15 best banks for deposits
Whatever new enrichment schemes are invented, bank deposits remain the most reliable way to generate profits. Subject to the financial stability of a particular institution, you can receive passive income without risking exchanges and investing in questionable projects. There are a lot of offers on the market. Someone trusts financial institutions with which he has been working for more than one year, someone, regardless of the name and popularity of the company, carries his money there.
We have included in the rating 15 banks with impeccable reputation, which offer the most favorable rates for profit. The list is based on feedback from real clients and financial analysts.
Rating of the best banks for deposits
| Nomination | a place | bank | rating |
| Rating of the best banks for deposits | 1 | Rosbank | 5.0 |
| 2 | MTS Bank | 4.9 | |
| 3 | Ural Bank for Reconstruction and Development | 4.9 | |
| 4 | Tinkoff Bank | 4.8 | |
| 5 | Absolut Bank | 4.8 | |
| 6 | Sovcombank | 4.7 | |
| 7 | Moscow credit bank | 4.7 | |
| 8 | VTB | 4.7 | |
| 9 | Sberbank | 4.6 | |
| 10 | Agricultural Bank | 4.6 | |
| 11 | Promsvyazbank | 4.5 | |
| 12 | Mail Bank | 4.5 | |
| 13 | Gazprombank | 4.4 | |
| 14 | Alfa Bank | 4.3 | |
| 15 | Investtorgbank | 4.2 |
Rosbank
Bank rating: 5.0
First place - at a large credit institution that offers various programs to make a profit. The client can choose a savings or savings deposit. The first account can be replenished, but the second remains unchanged until the end of the contract. The timing is different. It can be 3 months, half a year, 1 year, 3 or 5 years.
Interest rates start at 8% (base rate and promo code are added together). The tariff "150 years of reliability" is available for a sum of more than 500,000 rubles. Deposits are also accepted in US dollars. The program presents three packages that vary by conditions. Interest is charged at the end of the contract (3, 6, 7, 9, 12, 18, 24, 36 months to choose from). The savings deposit is not replenished with cash and partial withdrawals are not available. There is an autorolongation. The account can be opened both in any branch of the organization, and online.
Many respondents noted that the bank is developing many interesting offers that are beneficial to both regular customers and new ones. Everyone can find the program at will. During the cooperation, no controversial issues arose. The proposed rate is indeed one of the highest in the financial market. For more information, you can contact the operator by phone: 8800200 54 34.
MTS Bank
Bank rating: 4.9
On the second line of the rating is a bank that has earned a reputation as a stable financial institution. It develops both regular and special offers, limited by a period of validity. Each investor will be able to choose the most favorable tariff for himself, based on his goals and desires. The most profitable program for today is “MTS XXL”. The term of the contract is 1 year. Term deposit involves the payment of interest due (8%) after 365 days.
Partial withdrawals are not provided. If necessary, early withdrawal of finances is possible at a “demand” rate. Interest is transferred to a deposit or a separate account, there are no payments to a bank card. Deposits are accepted only in rubles.The minimum amount is 50 thousand rubles.
Customers were satisfied with the service, cost-effective programs, simple and quick conclusion of the contract. Many noted that the bank very often presents new products that are used by different categories of depositors. Registration takes place online on the website or in any office of the company (in some cities this service is not available). All details of the current tariffs can be found on the phone number: 8800250 0250.
Ural Bank for Reconstruction and Development
Bank rating: 4.9
The third place in the ranking is taken by a financial organization that has been helping citizens to increase their money by offering various conditions for deposits for many years. Tariffs satisfy people with different possibilities. Improved conditions allow you to attract more and more customers. The most interesting tariff of the bank is “Cumulative 390 days”. The rate starts at 7.85%. The term of the contract is 390 days.
Interest is paid to a deposit account at the end of the deposit period (not transferred to a separate one). Their capitalization occurs at the end of each month. Cash is accepted only in rubles. Partial withdrawal within the framework of the contract is possible, but within four operations. It is also possible to withdraw money ahead of time, but then a full recalculation is made at a “demand” tariff, and interest exceeding the rate is withdrawn from the account.
Regular customers noted that they regularly use the best deals of the bank. New investors were also satisfied with the service and profit. Registration does not take much time. The application is sent through the site. In any office of the bank you will always be told about the existing products and will offer the best. Contact phone number: 8800100 02 00.
Tinkoff Bank
Bank rating: 4.8
The bank which is gaining more and more popularity recently is in fourth place in the rating. As a large credit institution, he offers to take advantage of tariff plans for deposits, which will bring quite tangible and stable income. “SmartVklad (increased rate)” is the most profitable program from 7.5%. They are charged subject to the term of the contract of 6 months. Less than six months - the rate is 6.5%.
The client chooses himself, the interest will be capitalized or transferred to the card. Currency can be any: rubles, dollars, euros. Replenishment is possible only during the first 30 days from the day the deposit is opened. There is a partial withdrawal, but only 2 months after the conclusion of the contract. In case of early withdrawal of funds, the rate is recalculated based on the current tariff.
The service "Information" is provided free of charge. Each debit card is issued for the issue, the maintenance of which will not have to pay. The status of the account can be monitored in your account. If desired, it can be turned into a multi-currency one. This is done to accumulate funds in different conventional units. Conversion takes place at the rate of the Central Bank. All details about opening a debit account can be obtained by calling the hotline: 8800555 22 44.
Absolut Bank
Bank rating: 4.8
The top five in the ranking of the best banks for deposits included a financial company with various offers that would satisfy any category of citizens. These are savings and savings at standard and higher rates, with and without capitalization of interest. An important advantage of this organization is the rapid conclusion of contracts, a clear following of all points, without violations.
The most popular fare is “Absolute Maximum”. The rate depends on the amount of the deposit and the term of the agreement (from 91 to 1080 days). The largest percentage is offered from 3 million rubles. Cash is accepted in rubles, euros and dollars. Interest is calculated at the end of the term. If desired, they can be transferred to a plastic card, a separate account or left on a debit card. Partial withdrawals are not provided, as well as replenishment.
Early withdrawal money is possible.These may be preferential terms or a “demand” tariff applies. According to customer reviews, the bank offers one of the most profitable programs with comfortable conditions for depositors. Not only the permanent citizens, but also the first time citizens were satisfied with the cooperation. If you want to use the tariffs of this institution, then all the information can be clarified by phone: 8800200 20 05.
Sovcombank
Bank rating: 4.7
The sixth in the rating is a stable and reliable bank, which was chosen by many domestic investors. It offers favorable conditions and high interest rates that interested all categories of citizens. Tariffs are permanent, and there are special with higher rates, which are developed for a specific period. To date, the Record Percent deposit is considered the most popular. The term of the conclusion of the contract to choose: 60 days or 12 months.
50,000 rubles is the minimum required for a deposit. When paying with the Halvah card, the base rate increases significantly. Replenishment, withdrawal of parts and capitalization is not provided. Currency - ruble. When withdrawing funds ahead of time, the tariff is applied: “on demand”. The interest is transferred upon expiration of the contract on the bank card.
All clients participating in this program have confirmed that this is one of the highest rates on debit deposits offered by large financial institutions. For many, all conditions have become optimal: both terms and percentages. Citizens noted that the bank still has a lot of interesting proposals that they are going to use. Contact reference number to clarify information: 8800200 66 96.
Moscow credit bank
Bank rating: 4.7
The institution included in the rating and ranked seventh, is among the systemically important banks of the Russian Federation. Tariffs are offered for large deposits, ranging from 15 million, and for more modest ones. The interest rate is calculated based on the amount and time of the contract. The most popular program is “Maximum Income”. It helps to invest your own money profitably and in 95, 185.370, 730 days to get a significant benefit and replenish the family budget.
Interest is paid at the end of the term. Currency can be any: dollars, euros or rubles. The minimum contribution in foreign money is 100, in Russian - 1000. Partial withdrawal is impossible, replenishment during the term is not provided. Capitalization of interest is. Many people liked the surcharges to the base interest rates when purchasing an annual package of services or opening a deposit online or through a terminal.
Programs satisfied customers with various capabilities. The conclusion of the contract occurs very quickly, the conditions are fulfilled clearly, the service is up to the mark. Operators always advise on any question. It can be set on the website or by reference: +7495777 48 88.
VTB
Bank rating: 4.7
One of the largest and most reliable banks is located on the eighth line of the rating. It offers the widest range of services for investors. Tariffs are diverse and take into account the capabilities and needs of all categories of citizens. These are ruble, multicurrency, term, savings, replenished. They can act indefinitely or in a specific period of time.
According to statistics, the most interesting is the contribution “Refillable”. It offers optimal conditions and a high percentage of income. The minimum transfer amount is 5,000 rubles. Up to 15 thousand is a reduced rate. With an agreement 75000 p. and above it will be 7.38%. Multicard owners can count on a higher percentage. The duration of the contract - from 3 months to six months. Currency: ruble, dollar, euro.
Partially withdraw funds will not work. Early withdrawal will result in the loss of the amount that will be recalculated according to the new conditions. Customers noted that, due to the favorable rates of the institution, it is possible to get a steady income using various programs.Registration is carried out online or in bank branches. To clarify information about all tariffs and selection of the most profitable for you, a hotline phone number is provided: 8 800100 24 24.
Sberbank
Bank rating: 4.6
The top ten ranking of the best banks for deposits includes Sberbank, which many citizens trust in their money. And, despite the fact that the rates are sometimes lower than those of other institutions, it is he who is chosen for financial stability and guaranteed safety of personal savings. Tariffs satisfy persons with any level of income, opportunities and desires. The company does not forget about pensioners, offering the most favorable conditions.
The most popular tariff today is “Catch Benefit”. This is a special seasonal program that allows individuals to improve their financial situation, provided that the minimum amount of the deposit is 50 thousand rubles. The currency is only Russian. The contract at the request of the client is 5.12 or 18 months. Interest is calculated after this time.
The maximum rate is 7.65%. Terms of limited management of your finances do not provide for withdrawal of a part of the amount before the expiration of the contract and replenishment of funds. One of the advantages of the bank is the ability to issue a contract in various convenient ways. This can be done in the office, on the website, in a mobile application or terminal. Operators receive free calls from cell phones around the clock at: 900.
Agricultural Bank
Bank rating: 4.6
The honorable tenth place in the rating goes to a credit institution whose branches are represented not only in the largest centers of the country, but also in small towns and cities. Offered deposit rates are varied. You can choose ruble or foreign exchange, with capitalization or monthly interest rate, with or without replenishment, with partial withdrawal and restriction of this condition. Financial products are designed for different categories of individuals.
The most favorable conditions are provided to customers who are already using the Ultra and Premium packages, as well as to the owners of insurance policies of one of the company's partner companies. Popular rate: "Profitable". With it, you can make a substantial profit even with a minimum investment (from 3000 rubles). The contract can be concluded directly in the office or remotely.
The rate depends on the term and amount and can reach 8% for a ruble deposit, 3.85 - a dollar deposit and 1.1 - a euro. The minimum contract validity is 1 month. Many customers have noted the possibility of receiving interest not only at the end of the term, but also every month. For more detailed acquaintance with the tariffs you can call the number: 8800200 02 90.
Promsvyazbank
Bank rating: 4.5
In the ranking of the best included a large bank, which is recognized as systemically important and reliably protected by the state from the financial crisis. Flexible terms of deposit agreements attract a large number of investors. Everyone can choose the best tariff for themselves with higher rates than other financial institutions. An important advantage are the submitted programs for citizens of retirement age. So, when choosing one of the most sought-after deposits “My income”, in addition to the standard rate, they will add a surcharge, which will increase the profitability of the investment.
The tariff provides for the early termination of cooperation at a reduced rate. Multicurrency deposits are not provided, only rubles, dollars and euros separately. Interest is calculated at the end of the period, which can be selected from the proposed 122, 181, 547, 731 days. The minimum amount that should be on the account: 10 thousand rubles. or 15 thousand dollars.
Partial withdrawal is limited by the terms of the deposit. The contract is concluded in branches or online banking. Regular and new customers are satisfied with the cooperation with this company. There are no complaints or complaints. All products can be found on the website or by calling: 8800333 03 03.
Mail Bank
Bank rating: 4.5
Further, we include in the rating a financial organization, which in a short time was able to attract a large number of new customers, while maintaining mutually beneficial cooperation with permanent ones. Tariffs are distinguished by optimal conditions. But it is worth remembering that the company accepts deposits exclusively in rubles, in foreign currency - no. The most popular for today is the “Capital” tariff. It allows you to make a profit at the maximum rate, and it will increase when you make online or reach the retirement age of the depositor and will be 7.75%.
The tariff is not suitable for regular payment of funds. Replenishment of the account is possible, but only during the first 10 days after the conclusion of the contract. Early termination will lead to loss of profits, preferential conditions are not provided here. The minimum amount is 50,000 rubles.
Interest is calculated at the end of the term, which may be six months, 12 or 18 months. They can be withdrawn in cash at an ATM or transferred to the checking account of another financial institution. The design is quite simple in any convenient way. If you have questions about this tariff or other products, the operators will answer them at the number: 8800550 07 70.
Gazprombank
Bank rating: 4.4
Gazprombank, thanks to profitable programs, is worthy to enter our rating. He offers several dozens of tariffs, of which everyone will definitely choose the most convenient one for himself. All of them have their own characteristics and are divided into 4 categories: savings, savings, pension and expenditure. Consider the contribution that many clients paid attention to - “Your success”. It is intended for a long-term investment from 1 year to 3 years.
Depositors who are not sure that during this time there will be no need for partial or full withdrawal of funds ahead of time should abandon this tariff, since conditions do not provide for this, and full settlement is possible only at the end. A plus is the capitalization service.
300 thousand rubles - the minimum deposit on the deposit. The maximum possible percentage with all allowances is 8.32, the base percentage is 7.3-7.8. The tariff is seasonal, so you should hurry to make a contract. All information is presented on the official website, where you can order a call back. If you have any questions, dial the toll-free number: 8800100 07 01, where operators will tell you in detail about tariffs and services.
Alfa Bank
Bank rating: 4.3
In the rating of the best banks, a financial institution was selected for deposits, with which many Russian citizens have been fruitfully cooperating for a long time. It provides favorable conditions for profit. Programs can be short-term and for a long time, with the possibility of replenishment, with partial withdrawal, with an increase in interest rates. Each client, having addressed to the bank, will necessarily choose the optimal tariff for him.
The most sought-after contribution is “Victory +”. It can be opened in dollars, rubles or euros. The term may be minimal (3 months) or increased to a maximum (3 years). The rate ranges from 5.53 to 7.4% (including capitalization). The deposit does not provide for the replenishment and withdrawal of parts. In case of premature termination of the contract, the interest will be recalculated in the light of the new conditions.
The depositor chooses from two options what to do with the accrued funds: either withdraw them or capitalize. The minimum for a ruble deposit is 500 thousand, for a currency deposit - 500. Clients appreciated the relatively high percentage offered by the company, quick execution in a convenient way for each. Full information is available on the official page of the bank. A telephone is provided for specifying tariffs and details of entering into an agreement: 8800200 00 00.
Investtorgbank
Bank rating: 4.2
The rating is completed by a bank offering new mutually beneficial cooperation with various categories of citizens. A variety of tariffs will satisfy all the desires of customers.Each of them has a number of features, in aggregate, which provide optimal conditions. The popular rate for most investors - "Growing interest." Under the contract, payments are made on the amount invested every 92 days (minimum 50,000 rubles). The rate starts at 6.8%, the maximum possible - 8.
The contribution is ruble, foreign currency is not accepted. Replenishment is possible during the entire term of the contract. Partially withdraw funds can not. Early - it is possible, then the preferential tariff or “on demand” will be applied depending on compliance with the conditions specified in the contract. Interest may remain on the debit account or be transferred to a separate account (there is no such service for plastic cards).
According to reviews, all arranged programs that take into account the preferences of different customers. Registration is fast enough. All detailed information is located on the website, it can also be obtained at the bank branches. Consult on financial products is also possible by phone number: 8800200 45 45.
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.
