Modern financial organizations offer a wide variety of services to the population. Bank deposits in Novosibirsk can be opened for short and long term. The profitability of the deposit depends on the parameters of a particular product. Before investing, it is worth considering the advantageous offers of various financial institutions of the city and choosing the best option for yourself.
Types of Bank Deposits
Thinking about how to profitably invest existing savings, it is important to consider many factors. First of all, it is important to choose a reliable bank. There are dozens of financial institutions in Novosibirsk. Each bank offers several investment options. When considering deposits of Novosibirsk banks, it is important to determine the purpose of issuing an account. To get the maximum profit in a short time, it is worth considering term deposits. To store funds with the ability to use the money at any time, savings accounts with a minimum interest rate are provided.
You can get acquainted with the products of a particular bank and the conditions in the departments of financial institutions and on official websites. The main types of deposits are presented below:
- urgent;
- replenished;
- cumulative;
- partial withdrawal deposits;
- deposits with a monthly capitalization.
Profitable deposits of Novosibirsk banks
Opening an account is beneficial to both parties. The contribution to the client brings income. In addition, he receives bonuses and discounts from financial and organization partners and stores money in a safe place. The bank, in turn, can spend the money of depositors by providing loans to other customers. Due to this, the institution increases its capital.
Bank deposits with the best interest rates in Novosibirsk include the following restrictions:
- Term. The bank must know in advance how long it can use the client’s money.
- Lack of the possibility of early closure of an account or withdrawal of funds (fines or reduction of profitable interest to the level of the refinancing rate are provided for this).
Bank deposits in Novosibirsk, with more loyal terms, provide for a lower percentage. The deposit currency also affects the profitability of the account. For deposits in euros or dollars, the rates are much lower than for rubles. Currency accounts make a profit due to changes in the exchange rate.
“Double Benefit” from Globex
This proposal provides increased profitability and financial protection in case of harm to the health or life of the client. This deposit in Novosibirsk can be opened only for 300 days. The product does not provide for capitalization of interest, income or expense transactions. The client receives all income after the contract expires.
Terms of the Double Benefit deposit:
- term - 300 days;
- amount - from 100 thousand rubles;
- rate - 8.3% per annum.
Globex Bank is a member of the deposit insurance program, so the client may not worry about the safety of their savings. Even if the bank ceases to exist, depositors will receive their money back.
"A large percentage" of the bank "Rosgosstrakh"
A profitable option for investing in rubles is a deposit from the Rosgosstrakh Bank - Large Interest. The product provides for the capitalization of interest or their quarterly payment to a third-party account. Terms are negotiated with each client individually. Early closure of the account is not provided. The client can deposit funds regularly, but not later than 30 days before the deposit is closed.The minimum amount for opening an account is 5 thousand rubles.
The interest rate on the “Large Interest” deposit depends on the term of the placement of funds:
| Deposit term | 1-90 days | 91-180 days | 181-270 days | 271-366 days |
| Rate per year | 8 % | 6 % | 5 % | 4,5 % |
"Rising" from Citibank
For those who want to profitably invest a large sum, Citibank has developed a deposit with a ladder interest calculation. The “Rising” ruble deposit does not provide for incoming operations and interest capitalization. The main advantage of this proposal is the possibility of partial withdrawal of funds from the account (no more than 35% of the total amount).
The deposit opens on the following conditions:
- Currency - rubles.
- The minimum amount is 100 thousand.
- The rate is from 2 to 8% per annum.
- Duration: 1-1.5 years.
- Interest payment - quarterly to a third-party account.
The client has the opportunity to prematurely close the deposit on preferential terms. Interest on deposits accrued in 4 or 6 periods. If the account is open for 1 year, then the rate will be 3-7% per annum for different periods. A deposit for a period of 18 months brings income, depending on the period, in the amount of from 2 to 8% per annum.
“Protective” from Touch Bank
Considering bank deposits with favorable interest in Novosibirsk, it is worth highlighting the offer from Touch Bank. The “Protective” deposit provides for ladder interest calculation (income differs in different periods of time). Capitalization of interest and income transactions does not provide for contribution. It is impossible to close an account ahead of schedule on preferential terms. If the client withdraws money from the deposit before the expiration of the contract, the bank will automatically recalculate the interest at the minimum rate.
The rate on this deposit depends on the amount and term of placement of funds. Terms of “Protective” deposit from Touch Bank:
- Duration: from 1 day to 368 days.
- Rate (depending on the period): 3.2 - 9% per annum.
- Amount: 100 thousand - 10 million rubles.
Piggy bank with the option “Everything is under control” from the “Ural Bank for Reconstruction and Development”
Another advantageous offer for the residents of Novosibirsk is the “Piggy Bank” deposit from the “Ural Bank for Reconstruction and Development”. You can open an account in a branch of a financial institution and through the Internet banking system. The advantage of this proposal is the possibility of making additional contributions to the deposit. The income can be received monthly on a separate account or you can connect capitalization. The product does not provide for expenditure operations.
Terms of deposit "Piggy Bank":
- currency - rubles;
- amount - from 50 thousand rubles;
- term - from 1 to 210 days;
- rate: 5.7-10% per annum.
“Growing Income” from “Credit Europe Bank”
This offer is available in rubles, euros and US dollars. “Growing income” provides for the monthly payment of accrued interest to a separate account or capitalization. Income and expenditure operations on the deposit are not provided. The yield of the deposit varies depending on the period (interest calculation is ladder).
Deposit parameters "Growing income":
- currency: rubles / euros / dollars;
- amount: from 30,000 rubles / 474 dollars / 409 euros;
- term: 1 year.
The interest rate on the deposit depends on the chosen currency and the period of time. On ruble deposits, the client receives income from 4.1 to 9% per annum. Deposits in dollars provide a rate from 0.1 to 2.3%, in euros from 0.01 to 0.3% per annum.
“Save” from Sberbank
The country's main financial institution also offers Novosibirsk residents several investment options. “Save” is a contribution without replenishment or partial withdrawal of funds. You can open an account in rubles or dollars. Interest capitalization on this deposit is not provided. The client receives income after closing the account.
Among other bank deposits in Novosibirsk, Sberbank offers the lowest percentage. But it is worth noting that this financial institution has a high degree of reliability, because most of its shares are owned by the state. An increased rate is provided when opening the “Save” deposit through the “Sberbank Online” system or mobile application.
Deposit conditions are presented in the table:
| Currency | Term | Amount | Rate per year |
| Ruble | 3-36 months | From 1000 |
|
| U.S. dollars | From 100 | 0,1-1,351,38 % |
How to open a profitable deposit?
In order for the savings to start generating additional income, you need to invest them profitably. To open a bank deposit in Novosibirsk, you need to follow the instructions:
- Choose a reliable financial institution.
- Choose the optimal deposit program.
- Prepare the right amount.
- Contact your nearest branch of a financial institution or use Internet banking.
- Conclude an agreement with the bank.
Bank deposits in Novosibirsk are divided into several types. Clients receive maximum income from term deposits with restrictions on the timing and expenditure of funds. To open an account, you need to choose the best option and conclude an agreement with a financial institution.