Offers for bank deposits. Deposits

It is formed based on the total volume of incoming funds. If you are looking for a financial institution with high performance, thanks to the ranking you will be able to choose the right one. Based on the information provided, you will be able to select the best offers in terms of profitability and interest rates.

Features of the formation of the rating of Russian banks by deposits

Russia by deposits is formed according to the Central Bank of the Russian Federation. The analysis also takes place based on other indicators:

• Positions in the ranking compiled by independent agencies.
• Opinions of clients who have already made transactions with this bank.
• Positions in the ranking compiled by ordinary people.

For the Central Bank of Russia, the main indicator is the size of the institution’s own capital. The more funds, the less likely it is that it will be declared insolvent.

Rating of banks in Russia by retail deposits in 2020

In 2020, the top best banks in Russia by deposits did not change much. The higher the place on the list, the more trust there is in this financial organization. Typically, the Central Bank of the Russian Federation publishes an official list that inspires the most confidence among people by:

• interest rates,
• creditworthiness.

The top best banks may change depending on various indicators. Therefore, we regularly update information, offering customers only profitable offers.

The rating of banks today is based on reports provided by financial organizations. All companies included in the list are presented in our summary rating. Additionally, reliability can be assessed not only by bank deposits, but also by other indicators.

If we consider the ranking by interest rates, the list may be different. When choosing, pay attention to the rating based on the total cost of deposits. It includes additional payments, bonuses and other gifts for investors.

A deposit or so-called “deposit” is money that a client places in a bank to protect and increase his capital.

The higher interest rate bank deposit - the greater the potential income. In Moscow, the best interest rates on ruble and foreign currency deposits are often offered during periods of seasonal offers or other special bank promotions.

Bank deposits for individuals in Moscow differ in terms, currency and rate; there are also additional conditions (the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card, and others).

In 2020, both small and larger reliable Moscow banks offer several additional opportunities for time deposits and deposits with maximum and low interest rates for individuals:

• partial withdrawal and replenishment funds in the deposit account gives the client the opportunity to use the money without breaking the agreement with the bank;
• capitalization- this is the monthly accrual of interest on the deposit account. That is, future interest is accrued not only on the amount of the initial deposit, but also on the added interest;
• automatic renewal- automatic extension of the contract if the depositor does not withdraw the deposit upon expiration.

To make the best deposit in rubles or foreign currency at a favorable rate in a Moscow bank, consider these three points.

Depending on the currency used, time deposits are divided into ruble, foreign currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). In 2020, for individuals, the most favorable interest rate deposits in Moscow banks today are offered in Russian rubles.

Investing money in foreign currency- one of the popular methods of preserving and increasing your capital in the city of Moscow, even in times of crisis. Although rates on foreign currency deposits have decreased significantly due to exchange rate instability, you can receive income when the exchange rate against the ruble rises. This is how you can get the best income from your deposit in 2020.

Most banks in Russia offer foreign currency deposits in dollars and euros; deposits in other currencies are rare. You can compare currency quotes on our website in the Exchange Rates section. However, there are few offers of deposits at good interest rates in these currencies, since the demand for them is low.

What contribution should a pensioner, student or middle-aged person choose? The “Deposit Selection” form will help you choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

In 2020, to date, among deposits in banks in Moscow, the most profitable high interest rate in rubles is the Deposit at the Top (with NSZH) Gazprombank in Gazprombank (JSC) - 8.10% per annum. The minimum deposit amount is 50,000 rubles with interest paid at the end of the deposit term. According to our data, this is the best bank deposit in Moscow with the maximum rate in rubles.

It may take a lot of time to view all the profitable offers in Moscow banks. On the official websites of banks there is no way to compare deposits with offers from other organizations. Therefore, to search, it is better to use a service that helps you quickly familiarize yourself with the full list of options and their main conditions. A large selection of available deposits makes it possible not only to choose the option with the most favorable interest rate, but also to choose the optimal parameters for storing funds.

The “Deposits of the Month” section allows you to quickly view the top products in Moscow with a high interest rate and a minimum down payment amount. Among them there are options with the possibility of replenishment and early withdrawal of the entire amount or part of it.

Advantages of our service

The site has created a convenient filter that allows you to quickly and easily view all the profitable deposits available for registration in your city, as well as get an impression of the reliability and safety of working with a particular bank.

You can find the best offer in Moscow using one or several parameters at once. To do this, you can specify in the filter:

• minimum amount;
• currency;
• validity period of the deposit agreement;
• additional possibilities for using the deposit.

The issuance results are arranged according to one of two possible principles - interest rate or rating. The rating is calculated automatically by our website, taking into account the main characteristics of convenience and safety of working with the bank, such as:

• deposit profitability;
• bank reliability;
• availability of additional options;
• availability.

These characteristics give an idea of ​​the bank even before you start working with it. You can independently set the sorting principle and quickly find the necessary information on any of the products presented on our website.

Current offers

In the list for issuing current offers at the moment, the maximum percentages and terms of cooperation are as follows:

• interest rate - up to 10.25%;
• minimum deposit amount - from 1,000 to 500,000 rubles;
• storage time - from one year to three years.

Among the available options are in rubles, dollars and euros, offers for pensioners, as well as deposits with the possibility of replenishing the account and extending the term of the contract.

Stay up to date

If none of the current products in Moscow suits you, you can subscribe to our newsletter. Information about all new and current deposits, including short-term promotional and seasonal offers with favorable conditions, as well as the latest news and reviews of the economic situation in Russia and the latest events in the banking market will be regularly sent to your email address. This will allow you to be one of the first to make a suitable deposit. In order to subscribe, just enter your e-mail in the appropriate field.

In the largest city of Russia - Moscow - the maximum number of banks is represented: according to various sources, from 450 to 470, including representative offices and branches of regional financial and credit institutions. The investment options he offers are simply huge. If you look for high-interest deposits in Moscow banks today, the first 20 banks are not necessarily the largest institutions. They just give a return slightly below average, because they have sufficient capital for investment. But smaller organizations actively engage customers by offering interesting offers and various investment options.

Which bank should you prefer?

Naturally, you shouldn’t go to the first bank you come across that offers a sufficient interest rate. It should be analyzed according to at least several parameters:

• founders and partners - it may well turn out that “at the helm” there are people who are unlikely to be trusted;
• financial condition of the bank - it can be traced from reports published on the Central Bank website, paying special attention to the ratio of assets and liabilities, profit received during the reporting period and the size of the authorized capital (the more, the better);
• position in international and national ratings, including “national” ones (on the websites banki.ru or sravni.ru);
• availability of insurance - if deposits are insured by the DIA, then if the bank’s license is revoked, nothing will threaten the clients’ funds.

You shouldn’t just look for profitable deposits in Moscow banks today - you need to pay attention to their features, which will help you create the right investment strategy:

• deposit term;
• is early withdrawal possible and under what conditions;
• interest payment procedure;
• presence or absence of capitalization;
• possibility of replenishment;
• does the interest increase as the amount of savings increases, etc.

The highest rates on deposits in Moscow banks today: first 20

Among the many banks in the capital, the 100 largest were selected, and the 20 most profitable were selected from the deposits they offered. Other selection criteria:

• currency - ruble;
• minimum amount – 100,000;
• period – at least 1 year.

These parameters helped us select the highest rates on deposits in Moscow banks today, which are listed in the table (if one bank offers two or more deposits, the most profitable one was included in the rating).

TOP-50 foreign currency deposits in Moscow banks at the maximum interest rate

Due to the depreciation of the ruble, many clients have become interested in foreign currency deposits. At the same time, Russians invest not only in the purchase of dollars and euros, but exotic currencies are also gaining popularity - pounds, francs, yen, Australian dollars, and recently the yuan and the “Canadian” are gaining popularity. However, the most popular is still the US dollar.

• currency - dollar;
• amount – from 1,000;
• period – at least 1 year;
• The bank is one of the 200 largest.

It should be noted that some foreign currency deposits in Moscow banks at the maximum interest rate in the TOP-50 are part of a multi-currency deposit, which will be marked accordingly if this is not clear from the name of the deposit. With such deposits, it will not be possible to invest only in dollars; you will need to purchase rubles and euros (or other currencies stipulated by the agreement) in a minimum amount.

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