12 most reliable banks of Russia

Bank - a great place to store savings and savings. Placing an account in it will help avoid the depreciation of money due to inflation, or at least maintain their purchasing power, and in some cases even increase their reserves. The main thing - to choose a reliable financial institution.

Therefore, we have compiled a rating of the 12 most reliable banks in Russia, where you can find financial institutions for storing capital of any size.

Rating of the most reliable banks in Russia

Nomination	a place	Name of the bank	rating
Rating of the most reliable banks in Russia	1	Sberbank of Russia	4.9
	2	VTB	4.8
	3	Gazprombank	4.8
	4	Agricultural Bank	4.7
	5	Alfa Bank	4.7
	6	Moscow credit bank	4.7
	7	Promsvyazbank	4.6
	8	National Bank "Trust"	4.6
	9	UniCredit Bank	4.5
	10	Raiffeisenbank	4.5
	11	Bank "FC Opening"	4.4.

Sberbank of Russia

Rating: 4.9

Why he: Bank with state management and capital.

"Sberbank of Russia", despite the fact that it is a private commercial company, is almost entirely owned by the state. In particular, the Russian Federation owns 50% of the shares of the bank and another 1 controlling for almost exclusive decision making. Thus, there is no doubt about the reliability of this bank - it will survive just as much as the country as a whole.

But with the financial proposals of the bank is not very good. So, at the time of this writing, the maximum interest rate on deposits is 7.5% per annum. Of course, for investors who want to open an account of at least 700 thousand rubles, Sberbank can offer individual conditions, but most offers are limited to 5-7%.

Sberbank also offers additional options for storing funds, including metal accounts, precious metal bars, special accounts for social benefits or for a child.

VTB

Rating: 4.8

Why he: The largest commercial bank in the Russian Federation.

VTB is the largest privately-owned bank in Russia. The state's share is about 40% of the stake. Private management allows the bank to make high-yield investments, making the interest rates on deposits higher than most other financial institutions.

In particular, the rate on most accounts is 8-8.5% per annum. However, these are precisely cumulative deposits that do not support either replenishment or withdrawal. For accounts with flexible storage conditions, lower interest rates are provided - 4-6%, depending on the package chosen. Thus, VTB offers one of the highest dividends in the rating for accounts with replenishment and multiple withdrawals of cash.

For the storage of savings, VTB offers four more financial products - impersonal metal accounts, coins made of precious metals, safe deposit boxes and federal loan bonds.

Gazprombank

Rating: 4.8

Why he: Various types of deposits.

Gazprombank offers the broadest selection of financial products for investors. So, at the time of this writing, he had 13 different cash accounts in his asset. The yield on them is up to 8.3% per annum inclusive.

However, the absolute majority of deposits offer solely the storage of funds with the possibility of prolongation or additional replenishment. Term - from 91 days to a year, interest is calculated at the end of the term. There are only two deposits supporting partial early withdrawal - retirement and the so-called “demand” (with minimum income).

In addition, Gazprombank offers investment financial products with trust management, including its own bonds, the sale of precious metals in the form of ingots with a mass of 1 gram, as well as collectible coins from precious metals, which have value, including on the numismatic market.

Agricultural Bank

Rating: 4.7

Why he: High interest rates and many premiums in the banking sector.

Rosselkhozbank is a fairly young bank. As of now, he has been working for about 18 years. And during this time he has received many awards in his field, and also entered the top 30 largest banks in the country.

Despite the fact that the bank is focused on working with farmers and other agricultural companies, it also has deposits - and very diverse. Thus, the maximum rate on them is 8.45% per annum for ruble accounts. An interesting feature of deposits is their urgency - almost all accounts are opened for a period of 90, 180 or 395 days. Only some of them offer a longer storage period and the possibility of a quick extension.

Additionally, you can save your money by opening an impersonal metal account in this bank or by buying coins from precious metals. Corresponding ingots can also be purchased, but only directly at the bank office.

Alfa Bank

Rating: 4.7

Why he: One of the most technologically advanced banks in the rating.

Alfa-Bank, according to official information, is the largest fully private financial institution in Russia. Founded in 1990, it currently owns 2.3 trillion rubles in assets. This guarantees maximum reliability and financial stability.

But the most pleasant thing is that it is very technological. Almost all issues, from ordering a card to closing an account, are solved remotely. In terms of financial performance, the bank is also attractive. For example, the yield of deposit accounts ranges from 5.8% to 8.2% per annum. Savings deposits offer an increase of 6-8% per annum with the possibility of withdrawal and without a minimum deposit!

For large capitals - and, accordingly, high returns - Alfa-Bank offers various investment programs. So, you can invest in financial instruments such as bonds, mutual funds and BSO.And all this - through a mobile application for quick investment.

Moscow credit bank

Rating: 4.7

Why he: Favorable conditions for the closure of some deposits.

Despite the fact that the Moscow Credit Bank operates only in Moscow and the Moscow Region (which, in fact, is clear from the name), it has excellent conditions for depositing or investing its own funds. Opened in 1992, it currently owns assets worth 1.3 trillion rubles. For a regional financial institution, this is an excellent result.

"MBK" choose both private and corporate clients. Favorable conditions, fast operations and the territorial proximity of top managers distinguish it from most other financial companies.

Also "ICD" offers favorable conditions for bills. For example, long-term deposits have a yield of 6.5% to 8% per annum. In addition, he has a contribution from 4.5% per annum without penalty for early withdrawal of funds!

For investors, the bank offers individual accounts and brokerage services.

Promsvyazbank

Rating: 4.6

Why he: Preferential terms of termination on most deposits.

PJSC Promsvyazbank boasts a guarantee of stability. Virtually all transactions with the transfer of funds under government contracts and defense orders from the state are transferred through it. Therefore, the bank is reliable - it is the Russian Federation that is monitoring these and no one else.

However, Promsvyazbank can also offer several interesting conditions for individuals, among which are the optimal interest rate on deposits and special deposit conditions. So, in it you can open an account with a yield of 8% per annum, but with some conditions. Unconditional deposits offer an interest rate of 7.15% per annum.

The main advantage of deposits at Promsvyazbank. Almost all of them have preferential terms for early termination, with full or partial payment of interest for the term of the finance (which is not offered by any other bank in the rating). This increases the safety of the depositor's savings.

Rating: 4.6

Why he: Full control over the bank is exercised by the Central Bank of the Russian Federation.

“Trust” was once a fairly large All-Russian Bank, but more recently it has changed its core business into corporate services and is now based exclusively in Moscow and the Moscow Region. But this does not prevent him from being a large and convenient financial institution that cares about its customers. Moreover, his online client entered the rating of the top 3 most convenient and functional online clients.

With contributions, however, not everything is so rosy here. At the time of the compilation of this material (November 2018), “Trust” offered only one type of account - “On-Demand”. These are deposits without a minimum amount, without restrictions on the shelf life, with the possibility of full or partial withdrawal, as well as replenishment at any time and in any volume.

However, the interest rate on this deposit is very small - it is only 0.1% per annum for a ruble account or 10 times less for euros.

UniCredit Bank

Rating: 4.5

Why he: The first fully commercial bank in the country.

UniCredit Bank began its history in the times of the Soviet Union, which makes it the first fully commercial bank in the country. Almost 30 years of existence serve as an additional guarantee of the reliability of a financial institution. In addition, it is almost completely controlled by the manager from Austria, so investments are also made carefully and safely for investors.

In addition, it is the only bank with daily interest on the balance of the savings account. The yield of this deposit is 4% per annum and, of course, they are immediately capitalized. Depositary accounts are also available, the profit on them is up to 9% per annum, depending on the amount and term of placement.

Also, to save savings, UniCredit Bank offers investment funds and the purchase of coins made of precious metals.

Raiffeisenbank

Rating: 4.5

Why he: Included in the Austrian group of companies "Raiffeisenbank."

Raiffeisenbank is a Russian separate division of the eponymous Australian group of financial and banking companies. This, in fact, guarantees its high reliability. The international banking community with more than a century of history and representative offices in dozens of countries is quite a good company to preserve and increase their savings.

Thus, new customers of this bank can expect a rate of up to 7.5% per annum, depending on the amount and term of the deposit. The rest, of course, offered a little less - up to 6.5% per annum. But Raiffeisenbank is the only bank in the rating that offers multicurrency deposits with dividends of up to 3.5% per annum! The amount deposited is divided by unequal shares into ruble, dollar and euro parts.

The bank has very profitable savings accounts with daily interest capitalization. Their total yield is up to 7% per annum.

Bank "FC Opening"

Rating: 4.4

Why he: High interest rate.

Otkrytie FC Bank is an excellent financial structure for short-term deposits in order to exaggerate its capital. It offers one of the highest interest rates on deposits in the rating - 8.9% per annum per ruble account.

However, this deposit with a high interest rate implies a segmentation of the deposit. Part of it is sent to the “vault”, and part is used as a financial instrument when investing. Thanks to this, you can get increased income - however, maximum profitability is not guaranteed.

The bank also has a deposit without an investment portfolio and offers a stable interest rate of up to 7.5% depending on the amount and term of the deposit.

But the main advantage is the “My piggy bank” account, which implies unlimited withdrawal and replenishment with a stable interest rate of 6.1% per annum. Other banks in the list do not offer such favorable conditions for short-term deposits.

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Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.