10 best contributions for senior citizens

Pensioners also want to use deposits and receive money from honestly accumulated savings. And banks create special products for this population. The difference of the pension contribution is that the conditions for it are often more favorable than for the working population. But for the opening you will have to show the relevant documents - at least a certificate.

There are many offers on the market, how to choose the best contribution for retirees? We ranked banks with the most profitable deposits. Only reliable banks with deposit insurance are involved in the top, so the risk is minimal. But remember that in the framework of the material indicated the maximum possible rate on deposits for pensioners. But often to obtain it is required to fulfill certain conditions, so it is necessary to pay attention to the choice.

Top 10 best contributions for pensioners

The table shows the main parameters of each deposit. This will help to draw attention to the most attractive contribution.

Bank and deposit	Rate per year	Taking off	Replenishment	Capitalization	Payment of% before the deadline
"New pension" (Mosoblbank)	7,25%	not	not	not	Yes
"Pension Plus" (Russian Agricultural Bank)	6,3%	Yes	Yes	Yes	Yes
“High Income” (Zenit Bank)	6,75%	not	not	not	not
"Pension" (OTP Bank)	6,5%	Yes	Yes	Yes	Yes
“Pension!” (Russian Standard Bank)	6,5%	not	Yes	not	Yes
"Maximum interest" (Binbank)	6,25%	not	not	not	not
"Honorary Pensioner" (Uralsib)	6,2%	not	Yes	Yes	Yes
"Pension savings" (Gazprombank)	6,2%	not	not	not	not
"Reliable" (FC Opening)	6,32%	not	not	Yes	Yes
Save (Sberbank)	4,2%	not	not	Yes	Yes

A more detailed description of each contribution from the rating and special conditions for obtaining the minimum interest are listed below.

10 Save (Sberbank)

The most reliable and affordable bank in the country opens a rating with a low-interest pension deposit. You can put any amount from 1000 rubles to Sberbank. Storage time varies from 1 to 36 months with capitalization or interest withdrawal once a month. The number of days you can choose any, and not within a specific time frame. For pensioners in the bank there are preferential rules for recalculating rates. The percentage will depend only on the retention period and not on the amount. The best can be obtained if you make a deposit for a period of 6-12 months.

Convenience of the Savings Bank is not in the big yield of the deposit. Bank branches are available in almost every location in the country. And it is convenient for some retirees who do not have access to other financial institutions or prefer proven state-owned banks. A little advice - if you have access to the Internet, it is better to draw up a contribution online. Then the rate can be increased by another 0.25%.

9 "Reliable" (FC Opening)

A contribution from a bank confidently holding in the TOP-10 reliable financial institutions of the country. It offers favorable interest and comfortable conditions, but there are not enough stars from the sky. In Otkritie FC, you can invest from 50 thousand rubles for 3 or 6 months.A longer period is not available, so this is a bank for short deposits. In addition, you can not make or withdraw the money you need, you have to wait for the end of storage. But the accrued interest can be capitalized monthly or withdrawn to a separate account.

The percentage will be as profitable as possible if the account leaves 1.25 million rubles and more for a period of six months. This will provide the best rate offered by the bank. Pleases well thought-out online banking. You can open a deposit either through the bank’s website or through a special mobile application. Even go to the office is not necessary, which is very convenient. Unfortunately, in customer reviews periodically mentioned not too high quality service. But the bank itself seeks to solve problems quickly.

8 "Pension savings" (Gazprombank)

The most common deposit without additional options from the bank of the TOP-3 largest in Russia. Allows you to get a small income and securely save money from waste. The minimum deposit amount is 15 thousand rubles. Gazprombank has five terms of placement - 3 and 6 months, 1, 2 and 3 years. But the most profitable of them were the terms of 6 months and 1 year. For them, the bank offers the maximum rate on the deposit. The percentage does not depend on the size of the deposit. Remove, replenish and capitalize can not be. To receive interest on the card, too - they are charged at the end of the term or at the end of each year of storage.

As always, Gazprombank provides an excellent tool for calculating all indicators of a deposit. It allows you to visually get acquainted with the possible income on the deposit, depending on the amount, term and capitalization of interest. But the functionality of the site ends there - in order to make a contribution, you will have to go to the office and leave a request there, which is not very convenient.

7 "Honorary Pensioner" (Uralsib)

You can invest from 1 thousand to 10 million rubles on this deposit. Keep it at the same time Uralsib ready for a period of 3 months to 2 years. Deposit replenishment is available even on the last day of funds storage. But you cannot withdraw money from a deposit - only capitalized interest is available for withdrawal. Also, they can be immediately credited to a separate account, not included in the total contribution. The rate will be maximum if you invest money for 1 year.

It's nice that Uralsib allows you to open a deposit upon reaching pre-retirement age - 54 years for women and 59 years for men. So it is not necessary to be a current pensioner or a veteran and provide relevant documents. Also, I am glad to have the opportunity to receive half of the interest rate for early termination of the contract, but only if the money on the deposit has already lain for at least 181 days.

6 "Maximum interest" (Binbank)

A contribution with a minimum of options and a good percentage. The rest is not too remarkable. Therefore, higher in the rating and did not climb. In the Bank can invest from 10 thousand to 30 million rubles. In terms of prescribed four grades of terms - 3 and 6 months, 1 and 2 years. It is most profitable to invest money for half a year, in this case the rate will be 6.25%, that is, the maximum possible.

Interestingly, if you open not specifically a pension deposit, but simply through an Internet banking site, then the rate will be slightly higher - 6.3%. If it does not matter, then you can earn on this a couple of extra rubles. Unfortunately, no additional options are provided. So this is a very simple contribution. Binbank has more than 10 partner banks in Russia, so by closing a deposit, you can easily withdraw money from the establishment card at ATMs of Raiffeisen, Alfa Bank, Uralsib, UniCredit and others.

5 “Pension!” (Russian Standard Bank)

Reliable retirement contribution from a good bank. Strong middling in the market, a combination of simplicity, availability and convenience. The minimum installment is only 10 thousand rubles. The maximum is not limited. You can open a deposit for 181 or 360 days.The contribution is replenished, but only within 3 months from the date of registration. You can not withdraw money out of interest. Capitalization is also not provided. But the money received as part of the bet is displayed on the card every month.

You can get the maximum income if you put in money for 360 days. Then the rate will be 6.5%. As a gift, the pensioner is entitled a MasterCard Worldwide bank card. It will be charged on the percentage. Through it, it will be easy to replenish the deposit or use it after the deposit is closed. Pleases the number of reviews with high ratings on deposits of Russian Standard. Employees and management of the institution willingly go to contact with investors and solve problems that arise.

4 "Pension" (OTP Bank)

Convenient option with a few restrictions. Allows you to comfortably place a deposit without losing the ability to manage money (albeit incomplete). The size of the deposit varies from 15 thousand to 10 million rubles. OTP Bank will keep money for 3, 6 or 12 months. During the term deposit can be replenished. But the deposit has a limit on additional contributions equal to 10 times the original amount. Also, the money can not be made during the last month of the term. Permissible expenditure transactions. But only in the amount received on the contribution and capitalized interest.

The best bet is easy to achieve. To receive it, it is enough to put the amount from 100 thousand and 1 kopeck to 10 million rubles for a period of 6 months. This is the best offer for placing money for six months - you do not need a large amount, and the rate is high enough. Otherwise, the percentage will be from 5.7 to 6.1%. It is important to remember that if you withdraw more money from the deposit than were capitalized as interest, the agreement with the bank will be broken.

3 “High Income” (Zenit Bank)

And the top three offer a convenient option for those who are not ready to place money for a year or more. Minimum to put on the account can be 30 thousand rubles. The upper limit is 5 million. You can place a deposit for a period of 1 month to 2 years. There is no replenishment, no partial withdrawal. The interest can be received at the end of the placement period, they are not capitalized and are not given separately every month. Fast online registration is available, so you don’t have to run around the offices. The deposit is extended automatically as many times as necessary, you do not need to renew the contract.

The interest rate depends on the amount and term for which the money is placed. To achieve 6.75%, you need to put on the contribution of 600 thousand rubles or more for a period from 181 to 549 days. Conveniently, Zenit allows you to select a short-term deposit and receive interest in a month. I am also pleased that the bank is ready to issue a debit card as a gift to those who decided to place money on a deposit for free. Later on, this interest can be obtained on this card.

2 "Pension Plus" (Russian Agricultural Bank)

A great contribution option with a lot of options. It allows you to manage money as you want, making it considered the most convenient among all. Interestingly, you can even put in at interest 500 rubles - this is the minimum down payment. The maximum amount is 10 million rubles. There are three timing options - for 1, 2 and 3 years. Interestingly, women from 55 years of age and men from 60 years of age do not need to provide a pension certificate.

Pleases an extensive set of options for pensioners. You can replenish the deposit, withdraw money from it without losing the interest rate (provided that the minimum balance of 500 rubles remains), capitalize or withdraw the accrued interest. You can even make a deposit on a minor. Agricultural Bank is most profitable when you need to put money for a long time - the best rate of 6.3% is achieved when you deposit funds for 3 years.

1 "New pension" (Mosoblbank)

The first place is occupied by an excellent offer for pensioners who have a lot of free money to deposit.The deposit allows you to put any amount from 10 thousand rubles for 366 days at a maximum rate of 7.25%. It is impossible to increase the deposit or withdraw some of the money. Interest is not capitalized. But they are paid to pensioners separately. So it will be possible to organize a good (depending on the size of the deposit) increase in pension. To enter into a contract, you will have to show a pension certificate.

The maximum rate is available to investors who have deposited at least 50 million rubles. For owners of 10 million or more, the percentage will be 7.05%. And everything below will be under 6.75%. I am glad that the deposit allows you to withdraw money from your account ahead of time (that is, to terminate the contract), but at the same time receive interest. Unfortunately, not all - only from 1.55 to 3.05% per year, depending on the period and amount of the deposit. But this is better than all the other offers of banks in the market.

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

Mosoblbank

Agricultural Bank

Zenit Bank

OTP Bank

Russian Standard Bank

Binbank

Uralsib

Gazprombank

FC Opening

Sberbank

Other

Total voted: 30

Vote results