Russians ceased to keep their savings at home a long time ago, because even the older generation understands that money should “work”. The easiest option is to open a deposit with a credit institution. Today we’ll talk about banks that offer favorable deposit rates for senior citizens.
At present, the situation with foreign currency in Russia is unstable. Many commercial banks make deposits in dollars and euros, including to clients with a pension certificate. However, it is almost impossible to make a long-term forecast for the currency, because these are very risky operations.
For retirees, the safety of savings comes first, but we will not forget about income. Analysts advise placing funds in Russian rubles. In our review you will find offers of the largest banks with high interest rates.
Sberbank
Living on the size of one pension in Russia is quite difficult, therefore, by the time they get a well-deserved rest, people prefer to accumulate a certain amount of funds. Deposits for senior citizens with maximum interest are in small commercial banks, but let's not forget about reliability and reputation.
Sberbank has been serving the population for many years. It is often called a people's bank. Specialists have developed several unique products for people of retirement age.
If your pension comes to an account with Sberbank, the maximum interest on deposits for pensioners should certainly interest you.
“Save” and “Replenish”
When opening a deposit, customers with a pension certificate are set the highest rate for the selected period without taking into account the deposit amount.
“Save” deposit conditions:
- 1 month - 3 years;
- expense transactions (other than accrued interest) or additional contributions are not provided;
- amount - from 1000 rubles.
| Term | Rate (%) |
| 1-2 years | 8,35 |
| 2-3 years | 8,70 |
| 3 years | 9,07 |
Terms of the deposit "Refill":
- 3 months - 3 years;
- the possibility of replenishment in cash from 1000 rubles without restrictions during cashless transactions;
- partial withdrawal is absent;
- amount - from 1000 rubles.
| Term | Rate (%) |
| 1-2 years | 7,66 |
| 2-3 years | 7,89 |
| 3 years | 8,07 |
Deposits “Top up” and “Save” can be opened without visiting the bank’s office through self-service devices, ATMs or Sberbank online (personal account). In this case, increased interest rates are provided.
"Bank of Moscow"
Advantageous interest on deposits for pensioners in Moscow offers another commercial bank.
In the product line of the Bank of Moscow, customers with a pension certificate are waiting for deposits “Maximum income” and “Maximum growth” with the ability to set an individual term (91-1095 days) and a minimum opening amount of 1000 rubles.
The “Maximum income” deposit does not provide for additional contributions or expense transactions.
| Term | Rate (%) |
| 365 days | 9,8 |
| 366-547 days | 9,4 |
| 548-730 days | 8 |
| 731-1094 days | 7,8 |
| 1095 days | 7,5 |
Choosing the “Maximum Growth” deposit, customers get the opportunity to make additional contributions without restrictions. Account operations - no more than once until the minimum balance (after 180 days from the date of opening).
| Term | Rate (%) |
| 365 days | 9 |
| 366-547 days | 8,5 |
| 548-730 days | 7 |
| 731-1094 days | 6,8 |
| 1095 days | 6,5 |
Deposits for pensioners with the highest interest rates at the Bank of Moscow are best arranged through the Internet. At remote opening, 0.3% is added to the bet.
Current accounts
To receive pension funds and other social payments, the Bank of Moscow and Sberbank offer the accounts “Current Pension” and “Pension Plus”, respectively.Of course, these are not deposits for senior citizens with maximum interest, but clients still get a small income.
Under the terms of banks, there are no restrictions on withdrawing or replenishing an account. The only difference is the interest rate:
- for Sberbank - 3.5%;
- 4% per annum for the Bank of Moscow.
"NS Bank"
Deposits for pensioners with maximum interest are opened by NS Bank. The deposit rate “NS Pension” is 10.3%, but the conditions are quite strict:
- currency - rubles;
- term - 367 days;
- amount - from 10 thousand rubles.
As part of the accrued interest, a partial withdrawal is provided, and an additional payment can be made within 181 days from the date of opening.
“NS Bank” was founded in 1994. According to the National Rating Agency, it has high creditworthiness.
From year to year, the bank's network is expanding. Currently there are 21 sales offices and 10 additional offices in the capital, as well as branches in Krasnogorsk, St. Petersburg, Dmitrov, Nizhny Novgorod, Tula and Ivanovo. Customers note a high level of service and a variety of financial instruments that help to realize even the wildest dreams.
Mosoblbank
Deposits for pensioners with the highest interest rates and favorable conditions can be found in the Mosoblbank line. The main shareholder of the credit institution is the “SPM Bank” group. The rehabilitation process was launched in May 2014, and the deposit insurance agency took control of the situation. Over the course of ten years, the agency and shareholders of the bank will carry out financial recovery activities. This means that the funds placed in deposits are protected by the state.
Regular customers continue to cooperate with Mosoblbank without fear, and the pension contribution has been developed for owners of pension certificates with an increased rate of 11% (deposit in rubles).
According to the conditions, the contract is concluded for 366 days. Additional contributions - without restrictions, expenditure operations within the minimum balance - 10 thousand rubles.
