The best deposit in the best bank: which financial institution to choose in order to make money faster on its programs? After all, with the help of money the future is invested. There are so many types of investments that it is impossible to talk about them all in one article. We will focus on such a banking product as deposits.
Parameters of the best conditions for capital appreciation
For a long time, citizens perceived deposits as one of the methods of saving money. But as a way to increase their own capital, not everyone perceives them. It should be noted that not all deposits are profitable. In order for deposits to really bring income, you need to find a profitable offer. So, we study and choose the best deposits in banks in Moscow.
- The profitability of a bank deposit will depend on the initial deposit amount. More amount - more profitability.
- Optimal interest accrual can be achieved by choosing a long term deposit. But under such conditions, as a rule, there is no possibility of replenishment of funds.
- Fixed-term deposits have a higher interest rate than demand deposits. For example, in one of Moscow banks the “Demand” deposit has an annual rate of 0.01%, and the Otkrytie term deposit is 11%.
- If two deposits have a single interest rate, the more profit is brought by the one on which interest is accrued through capitalization, that is, monthly, summed up to the initial deposit, and in the following month, interest is accrued on this increased aggregate.
- The best deposits in banks - with the possibility of replenishment under the terms of the contract.
You can always find good conditions in order to put money in a financial institution, based on the parameters listed.
So, we present the best banks for deposits of individuals. What do they offer us?
Tinkoff Bank - a modern look at standard banking services
Many financial analysts position the Tinkoff Bank product (or as it is also called Tinkoff Credit Systems) as the most interesting and demanded. The bank is unique because it does not have its own ATMs, numerous offices (there is one Moscow office with paid services), it works and offers services exclusively via the Internet. However, this did not prevent Tinkoff Bank from occupying a leading position in the financial sector: 2nd place in the credit bank card market, 25th in Moscow in retail deposits, and 20th in terms of net profitability. What are the “advantages” of Tinkoff Bank?
- Would you like to get the best deposit in the best bank? You will be given a Visa or Master Card debit card for your choice.
- A debit bank card with monthly interest accruals can be obtained free of charge even without opening a deposit, just leave a request on the website and a bank employee will bring the card to the specified address by prior arrangement.
- Tinkoff Bank does not have its own ATMs, which is more of a plus than a disadvantage: cash - from 3 thousand rubles or from 100 dollars or euros can be withdrawn from any bank and ATM without charging a commission.
Russian Standard Bank - the largest percentage in a stable bank
The bank is stable and reliable, has 170 branches. At the beginning of 2016, Russian Standard took 15th place in the Russian rating on deposits of individuals.
The best deposit in banks is Profitable MIX. The offer is truly unique:
- 14% per annum upon conclusion of an agreement at bank branches;
- 14.5% if a deposit is opened in the Internet bank;
- payment - quarterly; funds are transferred to a separate account;
- rising interest rate;
- deposits open for 1 year;
- no replenishment or partial withdrawal;
- the minimum deposit amount is 30,000 rubles.
Convertible deposit from Yugra Bank
The bank was opened in 1990. For all 25 years, he has been offering customers a profitable financial product for preserving their savings. In January 2016, Ugra was included in the Russian TOP-20 in terms of deposits for individuals. Has a large branch network. Representative offices of the bank are located in 50 cities of Russia, the main office is located in Megion in the Tyumen region.
The best deposit in the best bank “Ugra” is “Multicurrency basket”.
This banking product is designed for an active category of citizens who track exchange rates and want to change the deposit according to the agreement (the so-called conversion) throughout the entire period of its validity. The bank carries out the conversion at its own rate. The deposit opens for various periods. The minimum amount is 10,000. rub., 150 dollars USA, 150 euros. There is no early withdrawal. Interest is accrued at the very end.
Maximum bid:
- 10% for ruble deposit;
- 3.3% for dollar deposit
- 2.6% - Euro.
Rosgosstrakh Bank - bank deposit plus life insurance
It was founded in 1994. A large bank that sells universal services. In 2016, it entered the TOP-50 of the best Russian banks by retail vector, ranks 44th in lending, and 45th in retail deposits. It has a large branch network in more than 150 settlements throughout Russia.
On the 1st place in popularity in the “RGS” is the “Insurance” deposit, which consists only in the life and health insurance of the client.
- It is drawn up for 1 year with a minimum amount of 100,000 growing. rub.
- The rate is 11.75% for life insurance for 5 years, 11.50% for a 3-year insurance contract.
- There is no replenishment or partial withdrawal of funds.
- There is no prolongation in this mode automatically.
- At registration it is possible to make a will or power of attorney for free.
Alfa-Bank is the second largest private bank
It offers its investors 7 optimal deposits, each of which has some advantages. In the first place, the best deposit in the best bank is Victory.
- With a minimum deposit amount of 10 thousand rubles, 500 US dollars or 500 euros.
- For a period of 3 months to 3 years.
- The maximum rate is 11.27% in rubles, with a deposit of 3 million rubles or more. and a capitalization period of 3 years.
- With a contribution of 250 thousand rubles. the rate for the same period will be 10.55%.
- In US dollars, the maximum rate is 3.14% for 3 years.
- The rate in euros is 2.59%, with a deposit. for 3 years.
Bank deposit is a guarantee of stability
We examined only a few financial institutions with optimal deposit offers.
For many citizens, stability and wealth are provided precisely by deposits in banks. The best interest, preferential terms or unhurried growth of a contribution in a stable institution with a high rating - everyone chooses the conditions to their liking. And there is plenty to choose from. Every year, banks are developing more and more interesting proposals.
When choosing suitable characteristics for a deposit, one must remember about individual bank rates for users and regular customers. If you are the owner of a salary card, you can count on a bonus in the form of an increased rate or optimal basic services.