10 best banks for deposits

Depositing in a bank is not as easy as it may seem. In order not to be left without money, it is important to take into account many parameters. Because now, in not very favorable conditions, small (and sometimes large) banks are bursting, and depositors are losing money.

But this is not a reason to keep money in a glass jar under the bed. Reliable and profitable financial institutions exist. But by what criteria you need to choose the best bank to open a deposit? There are a lot of them:

1. Reliability. One of the most important qualities. If you plan to make a large contribution (more than 1.4 million rubles), then it is better to choose the most reliable bank, even at the expense of interest and conditions. Naturally, within reason. The fact is that if the bank is closed, the Deposit Insurance Agency (DIA) will return only 1.4 million and not a penny more.
2. Insurance. The bank must be a member of the deposit insurance system. Otherwise, even if the amount on the deposit is less than 1.4 million, no one will pay it in case of closure of the institution.
3. Deadline. There may be different offers - from one month to several years. It should be determined for how long you need to put money to choose the best option.
4. Amount. Each deposit requires a certain minimum amount. So it is necessary to determine it in advance.
5. Replenishment. If you plan to report money during deposit storage, you need to look for a deposit with this option.
6. Capitalization. That is, interest accrual, for example, every month to the amount of the deposit. This will increase the cost of the interest rate every month.
7. Partial withdrawal. Perhaps in the process of storage urgently need money. And the option of partial withdrawal of money without loss of interest could help in such a situation.
8. Payment of interest before the end of the deposit. Some banks offer to issue the amount accrued as interest on the deposit, after certain periods of time - for example, every month.

The combination of at least some of these criteria will allow you to choose the really best bank for deposits in Russia. Only institutions that are in the TOP 50 financially reliable according to the Central Bank of Russia for 2018 and participating in the deposit insurance system participate in the rating. So worry about their money is not worth it.

Important: the interest rate at each bank varies depending on the amount and term of the deposit. Some institutions also require the fulfillment of special conditions to obtain the maximum percentage. So the rate may vary depending on the selected parameters. The rating also indicates the maximum possible rate in principle.

Top 10 best banks for deposits

Before considering each bank separately, we immediately give a table comparing all deposits. This will allow a more visual assessment of the benefits of an individual institution compared to the others in the rating.

Bank and deposit	Rate per year	Capitalization	Replenishment	Taking off	Payment of% before the deadline
Tinkoff Bank	7%	Yes	Yes	Yes	Yes
"Comfortable" (Russian Agricultural Bank)	6,05%	Yes	Yes	Yes	Yes
Cumulative with capitalization (Moscow Credit Bank)	6,25%	Yes	Yes	not	not
"Lucky seven" (OTP Bank)	7%	not	not	not	not
"Profitable" (VTB)	6,4%	Yes	not	not	Yes
Leadership Strategy (Zenit)	8,25%	not	not	not	not
"Maximum income" (Sovcombank)	7,8%	not	Yes	not	not
"Main income" (FC Opening)	7,1%	Yes	not	not	Yes
Victory + (Alfa Bank)	6,45%	Yes	not	not	not
“Welcome” (Raiffeisenbank)	6,42%	Yes	not	not	Yes

And now let's take a closer look at the financial institutions listed in the table.

10 “Welcome” (Raiffeisenbank)

And it opens the rating is quite profitable contribution for those who have never been a client of this institution. Allows you to familiarize yourself with the Raiffeisenbank service and not worry about the investment. All information about the deposit, as well as management tools are in online banking or mobile application. In the presence of responsive technical support, which you can always contact for a solution. Through it, you can manage money.

Standard conditions, the rate is quite attractive, but not perfect. The contribution involves making from 100 thousand to 2 million rubles. You can post them for a period of 181 or 366 days. In this case, the maximum rate will be in the first case. The capitalization is monthly, but you can customize the withdrawal of funds to an existing account for their use outside the deposit. Unfortunately, to replenish the deposit or withdraw some of the money from it will not work. In the reviews, users emphasize the convenience of Internet banking and mobile applications - everything is clear and works like a clock.

9 Victory + (Alfa-Bank)

Alfa-Bank offers a convenient deposit to everyone. But it will be the most profitable for customers with a high level of service and large amounts on deposit. This is a great solution for those who need to put a lot of money at once at a good percentage and not worry about maintenance. You can invest from 10 thousand to 20 million rubles. Terms - from three months to three years. Monthly interest capitalization is available, due to which the profitability of the deposit is one of the largest. But not the largest. There are no other options.

There is a small nuance that does not allow the bank to rise higher in our rating. The rate per year depends on three parameters: the package of services (there are five), the amount and the period. The maximum interest can be achieved if you make a deposit with the Alpha Private package for three years, by investing 5 million rubles. Unfortunately, the rate is lower on less “premium” packages - for example, it will already be 6.15% on the average “Comfort” service package.

8 "Main income" (FC Opening)

Otkrytie offers a comprehensive package of services - a contribution with a good annual rate for relatively large amounts and one of the investment programs. As a result, you can not only get the desired interest on the deposit, but also profit from the investment. In addition, the option includes capitalization or withdrawal of interest every month. You can invest from 50 thousand to infinity, the maximum period is 730 days.

The bank offers the best rates for customers who decide to open a deposit for a period of 367 days and in the amount of 750 thousand (7%) to 1.25 million (7.1%). But there is a nuance. To get such a rate, you have to invest in investments. Without this, it will be 1% lower. The bank offers four investment programs. I am glad that contributions will be returned in 100% in any case, but only after the expiration of the contract (from 3 to 5 years). The size of the contribution must correspond to the amount of deductions for the program. In addition to "Accumulative life insurance", which is allowed to exceed the amount of the deposit five times.

7 "Maximum income" (Sovcombank)

Sovcombank offers favorable conditions for customers. A deposit with an increased rate of 7.8% is open for holders of the Halva card. Considering the benefits of the card itself, together with a favorable percentage, an institution can be considered one of the best for existing clients. However, for new visitors the rate remains at 6.8%, which is also not bad. You can put a deposit of 50 thousand.Pleased with flexible terms - you can put money for a month, and you can for three years. The longer the term - the greater the rate.

Interest is calculated at the end of the term on a separate account. The Halva installment card is tied to this account. Important point: the annual rate is attached to it. It is necessary to use the card at least five times a month and spend at least 10 thousand rubles from it during this time (whether it is their own or credit), so that the rate remains at the level of 7.8%. If you miss at least a month or allow a credit card to be overdue, it will drop to 6.8%. Deposit replenishment is available. But the amount of additional injections should not exceed the initial size of the deposit in the first ten days after opening the account.

6 Leadership Strategy (Bank Zenith)

One of the reliable banks, though not the most famous, offering high rates to people literally "from the street." You do not need to be a salary or preferred client to get a percentage higher than the market average of truly sustainable institutions. A small minus - for registration, you must open an investment life insurance policy and not terminate it until the deposit closes. But it provides for additional income and a guaranteed return of contributions, so there is nothing to fear.

The deposit opens for a period of 300 days and cannot be less than 100 thousand and more than 30 million rubles. Additional options and capitalization are not provided. Interest is calculated for individual periods - the rate increases by 1% every 100 days, from 7.25 to 9.25%. Total for the full term of the deposit will be charged 8.25%. In general, this is a profitable offer, but only if it is possible to allocate funds for investments. That is why the contribution is not the highest place in the rating.

5 "Profitable" (VTB)

One of the largest banks offers a deposit with a talking title. I am glad that the institution allows you to open a deposit online, and then get a paper contract on a passport in any department. It is profitable, convenient and simple. VTB offers one of the longest periods of “storing” money at a reasonable rate, so it is good even for very long-term deposits. In the reviews, customers note that the bank willingly solves questions and problems that arise.

The deposit allows you to store from 30 thousand rubles in the period from three months to five years. At the same time, interest can be capitalized every month or displayed on a card. It is a pity that there is no replenishment and partial withdrawal. The largest rate of 6.4% can be obtained if you open a deposit for 3-6 months in the Internet bank. Interestingly, you can terminate the deposit ahead of time and get a part of the accrued interest. If the money has lain in the bank for at least 181 days, then the client receives 60% of what should have been accumulated on the deposit during these six months.

4 Lucky Seven (OTP Bank)

A good bank with a favorable interest rate. The financial institution closes the TOP-15 banks according to Forbes. The quality of service, judging by the reviews, is up to par - employees willingly make contact with the client and solve problems that arise. The rate of 7% is rigidly fixed and will not change depending on the amount. Make a deposit can only be in the office.

The bank offers a deposit program without a catch, but also without any special “excesses” like capitalization or other options. You can put on deposit from 30 thousand to 10 million rubles. At the same time, you can open several deposits for one person - it’s only important that their amount does not exceed the upper limit for one deposit. The offer has a fixed term of 366 days, it cannot be changed. It does not have any options - a contribution from the "put and forget" series. It is quite convenient when you just need a profitable annual rate without additional features.

3 Cumulative with capitalization (Moscow Credit Bank)

Comfortable offer for any person.You can even open a deposit in the payment terminal of a bank, online or through an application for a smartphone. Interestingly, the bank has a rather low minimum deposit amount. In this case, the annual rate does not depend on its size. The maximum percentage is easy to get if you connect the annual package of services and put money for a year. As a gift to the deposit, the bank hands over a debit MasterCard Gold. In the opinion of users, it seems that the institution is recruiting competent and attentive staff, so that there will be no problems with the discovery.

You can open a deposit in the IBC for a period of 3 months to a year. In this case, you can even make a thousand rubles. So the offer is suitable even for those who need to put a very small amount. The maximum deposit amount is 10 million. Interest is capitalized every month. There is a monthly replenishment of the deposit, but only up to the maximum amount. But you can not partially withdraw money - this is an additional option for money.

2 "Comfortable" (Russian Agricultural Bank)

Agricultural Bank - a public institution, is considered one of the most reliable. Offers many different contributions. But “Comfort” is the best combination of a good rate and ease of use. An important caveat is to open a deposit better online, this will allow you to achieve the highest rate.

The contribution has the maximum optional. The owner can withdraw or report money for a deposit, capitalize it every month or withdraw accrued interest for own needs. You can invest from 10 thousand to 10 million rubles for a period of 3 months to 3 years. This is the best bank if you need to put money for a long time. It provides the most favorable interest on amounts from 700 thousand with a three-year deposit (6.05%). But even if you invest at least 10 thousand rubles for the same three years, the rate will be 6%. The difference is small.

1 Tinkoff Bank

One of the best banks for deposits according to customer reviews - is pleased with excellent service, many additional options and bonuses. The institution does not have many programs for deposits. Tinkoff offers to customize the deposit, select the timing, size and options. This is quite a good contribution. As a gift to it, the bank offers a Platinum debit card with a pleasant cashback of up to 30%. The site has a handy calculator that will help calculate the yield of a deposit with or without capitalization.

In Tinkoff can be put from 50 thousand to 30 million rubles, which is quite a lot, for 3-24 months. The rate does not depend on the size of the deposit. It is only affected by the term - you can achieve the maximum interest if you open a deposit for a period of 6 to 12 months. I am glad that the percentage is quite high due to the option “Raise the rate on a deposit” (this adds 1%). But there is also a minus - the deposit can be replenished only during the first month of storage. Then - no way.

Popular vote - which bank is best for deposits
We vote!

Alfa Bank

VTB

Tinkoff Bank

Agricultural Bank

OTP Bank

Bank Zenith

Sovcombank

Raiffeisenbank

Moscow credit bank

FC Opening

Other

Total votes: 8

Vote results