Comparative rating of Russian banks at interest rates on ruble and foreign currency deposits of individuals

The content of the article

• Rates on deposits of individuals
• Interest on pension deposits
• Interest on ruble deposits
• Foreign currency deposit rates
• Interest rates on deposits in banks in Moscow
• High deposit rates
• Interest rates of reliable banks
• Banks of Russia – interest rates on deposits
• Sberbank deposit rates today
• VTB Bank 24
• Russian Agricultural Bank of Russia
• Deposit in Alfa Bank
• Mail bank
• Rating of banks at the interest rate on deposits

Keep money in Sberkass if you have it! A quote from Gaidai’s comedy is still relevant today. Interest rates on deposits at banks are high today so that people can profitably place money on deposits without worrying about inflation. Buying property now is not a very profitable investment, foreign currency is periodically cheaper in relation to the ruble, and storing banknotes at home is dangerous. It is reasonable to contact the bank and try to place the accumulated funds there.

Rates on deposits of individuals

Recent polls show that more than half of Russians believe that it is better to save money in a bank, on a deposit or savings account. The confidence index of financial institutions is gradually rising, people from the experience of previous years prefer to save surpluses. Each bank offers its own solution, but there is the concept of the average bank interest rate, which is set by the Central Bank:

• The Central Bank analyzes the actions of all financial institutions, not only to identify violations that lead to fines or loss of license. Other metrics tracked.
• The average interest rates on deposits in 2019 are 10.82%: this is 0.3% higher than in the last 2016.
• The state ensures that institutions do not exceed this value by more than 2 points – this threatens them with fines, an additional audit and an increase in insurance premiums. According to this principle, the state controls the banking market, preventing credit institutions from risking customers money.

Interest on pension deposits

Everyone is happy to pensioners as clients. This is the most reasonable and disciplined category of citizens. Almost all the largest Russian banks offer attractive interest rates on pension deposits with the replenishment function, which is a kind of savings account, but with a much higher interest rate. Pensioners are encouraged to use different types of deposits with a minimum initial amount.

Sberbank pleases pensioners with favorable conditions – interest does not depend on the size of the deposit, there is the possibility of replenishment online. “Pension Plus” – rechargeable deposit for 3 years, 3.5% per annum, “Save” – non-rechargeable, rate of 5.6% (when opening an online account – up to 6.13%), “Replenish” – 5.12% ( online – 5.63%). There is a “Pension” – 8.3% per year from MDM Bank, Home Credit Bank offers a “Pension” – 7.75%.

Interest on ruble deposits

The main share of bank deposits is ruble investments. When choosing where to invest, you should not look for high interest rates in banks on ruble deposits offered by managers of small organizations. Large financial institutions offer profits in the region of 8-10%:

• Sberbank is positioned as reliable and does not offer annual interest of more than 8.1, but the minimum amount starts from 1000 rubles.
• VTB24 offers to open a deposit with a margin of up to 11% per annum, but without the function of withdrawing or replenishing.
• Alfa Bank also holds the bar in the region of 9-10% on three-year accounts.

Foreign currency deposit rates

Although the euro is considered a more reliable currency, the situation with foreign currency investments is not too different from the trends for ruble deposits. Interest rates on foreign currency deposits in banks range from 1.5 to 3.5% per annum, and again, untwisted players are in no hurry to make high interest on multicurrency accounts. If you want to earn extra money, take advantage of offers from small regional financial organizations, but along with the increase in interest, the risk increases that they will be revoked.

Interest rates on deposits in banks in Moscow

The bank should not only offer profits, but also be stable. Interest rates on deposits of Moscow banks are constantly analyzed and the TOP-10 rating of profitable offers is compiled based on the results. They take into account the rating of loan agreements, profitability and net assets, which gives an idea of ​​their level of reliability. Do not forget that deposit rates in Moscow depend on the term and its value..

The best programs for Moscow banks:

• “With the maximum rate” – 8%, Uralsib;
• Vlad to the Future – 10%, BinBank;
• “Partner” – 8%, Nevsky Bank;
• “Maximum income” – up to 8.4% of Sovcombank;
• “All Inclusive Maximum Income” – 8.5% of the Moscow Credit Bank institution;
• “Financial Protection”, in euros, 3.5% – Promsvyazbank;
• “For Life”, in euros, 3% – UniCredit Bank;
• “The tradition of success”, in euros, 2.5% – Promsvyazbank.

High deposit rates

Interest rates on deposits in banks today are very different. What does it depend on? Specialists identify several reasons that can determine high interest rates on deposits with banks:

• the intensity of loans, which make up the main profit of institutions;
• high competition – an increase in the number of institutions in the country leads to an increase in the interest rate;
• compound interest deposits initially offer less profit than a simple rate.

Large players in the financial market do not stimulate profitability, preferring to attract customers with a reliable reputation. Sberbank of Russia, VTB24, Gazprombank, AlfaBank, Raiffeisenbank – their percentage is rarely higher than 8.5-9%. People understand that overpriced income settings are more alarming than attracting. Want to win on a percentage – look for an institution with a deposit insurance system. In the event of a license revocation or bankruptcy, the state is obligated to return to customers amounts up to 1,400,000 rubles.

Interest rates of reliable banks

Which bank is considered reliable? Everyone knows about the sharks of the banking business: they are already well-known. Is it possible to find high interest rates in reliable Russian banks outside the Big Three – Sberbank, VTB24, Gazprombank? The reliability of banks must be compared and analyzed constantly, while taking into account:

• analysis of the work of a credit institution by the Central Bank, taking into account the value of its own capital;
• customer reviews of the institution;
• verification of organizations by special agencies.

An approximate list of deposits with good interest from recognized reliable banks this year looks like this:

• Magnus – 8% per annum from J&T Bank;
• “Solid percentage” – 8% from 3 months. Promsvyazbank;
• “PRIME” – 8.13% – 3 months-a year from UniCreditBank;
• “150 years of reliability” – 8.2% for 3 months. from Rosbank;
• “Promising” – up to 8.1% with maturities of six months to 3 years from Gazprombank.

Banks of Russia – interest rates on deposits

As the analysis of deposits shows, the most favorable interest rates on deposits with banks in Russia are for non-replenishable deposits for a period of six months or more. The proposals of small banks that are actively trying to attract new customers may turn out to be interesting:

• Solid – 10.5% for 550 days from GazTransBank;
• “Maximum” – 10.5% from 9 to 36 months, Dolinsk bank;
• “Fidelity to the traditions of Premium” – 10.25% (amount from 2,000,000 rubles for 1 year from Alef-Bank;
• “According to Europlan” – 10% for a year from BinBank Capital;
• “Safe” – 10% for a year from Interaction Bank.

Sberbank deposit rates today

Average interest rates on deposits in Sberbank rarely exceed 8%, which is offset by reliability, widespread distribution in the Russian Federation and quality of service.

• “Memory of generations” – the minimum deposit is 10,000 rubles. the rate is 6.4-7%, with part of the profit being transferred to the Fund for Assistance to Veterans of Military Operations.
• “Save Online” – can be done in any currency. A small minimum amount is only 1000 p. – makes it accessible to any population. The maximum percentage of income is 6.13 in rubles and 1.06 in dollars.

More popular offers:

• “Manage!” – replenished, it is possible to issue it online. Interest ranges from 3 to 5.85.
• “Give life” – part of the income is donated to the Fund of the same name. Term – 1 year, rate – 5.3%, without replenishment.
• “Savings” – a regular account with a minimum percentage of 2.3 per annum. There are replenishment and early withdrawal.
• “Savings Certificate” – an advantageous offer with an income of 8.45% per annum. Feature – not subject to deposit insurance system.

VTB Bank 24

This bank has a share of government money, so its reliability is fully justified. VTB 24 Bank offers a low interest on deposits today, which is offset by favorable conditions:

• Profitable – Telebank with a monthly payment of profit – 7.4% (online 7.55%) per annum from 1.5 million rubles. for 3 months;
• “Cumulative” – ​​from 200,000 rubles. for 3 months and above, percentage – up to 6.95, there is a capitalization of income;
• “Comfortable” – 5.35% (when ordering on the site 5.5%) – a period of six months, the minimum amount – from 200,000 rubles., There is the possibility of partial withdrawal.

Russian Agricultural Bank of Russia

The Russian Agricultural Bank is positioning itself as a “people’s bank” with favorable offers for all segments of the population. The interest on deposits of individuals of the Agricultural Bank range from 6 to 9% depending on the duration and size:

• “Investment” – from 50,000 rubles, 8.75%, profit payment – at the end of the term (six months, a year);
• Golden Premium – up to 8.1% for a period of 3 months. up to 3 years, the minimum amount is 15000000 p.;
• “Classic” – profit of 7.95% per annum, interest payment – at choice, the minimum amount is 3000 r.

Deposit in Alfa Bank

The interest rate at Alfa Bank is comparable to its competitors, but the popularity of a financial institution is high. Now customers are offered:

• “Life Line +” – a deposit for a year with compound interest (up to 7.1) and a minimum amount of 50,000 p .;
• “Victory +” – a contribution for six months, up to 7.3% and a deposit amount of 50,000 p .;
• “Potential +” – with a high minimum amount of 5,000,000 and a profit of 6.4%, term – 245 days;
• Premier + – for half a year, 6.8% with an amount of 5 million rubles or more (payment of profit – upon completion of the contract).

Mail bank

“Post Bank” appeared on the Russian financial market quite recently, and until 2016 it was called “Summer Bank” and was a subsidiary of a major credit player VTB24. Last year, all branches of Leto-Bank closed, and customers were surprised to find that they were being served at Post-Bank. Aggressive advertising company with the involvement of famous actors is doing its job, the bank constantly calls to use its services for investment of accumulated funds.

It is proposed to choose the following deposit rates at the Post Bank, and all deposits are subject to insurance:

• “Seasonal” – for a year with a placement amount of more than 50,000 rubles. The rate of 8.25% with the payment of profits upon expiration, pensioners receive 8.5% per annum.
• “Capital” – for six months or a year up to 8.25% plus a card as a gift.
• “Accumulative” – a replenished deposit of up to 7.5% and a minimum amount of 5000 rubles. possible early closure and capitalization of interest once a quarter.
• “Profitable” – an annual deposit with 7.75% per annum and an amount of 500,000 rubles or more, a card or personal account is a gift.

Rating of banks at the interest rate on deposits

This year, the best interest rates on deposits are guaranteed by small credit organizations that need to attract the maximum number of new customers. It is worth noting that today leaders among credit institutions do not offer high interest rates on deposits in banks, and deciding which option is more important – profit or reliability – is only for the client. Almost all banks operating in the territory of the Russian Federation, who value the reputation, participate in the deposit insurance system (now the maximum amount for return is 1 million 400 thousand rubles.

Specify the features of the proposals in the table: