Today, many people open deposits with monthly interest payments, because they consider them profitable. It is worth explaining who does not know what it is about. By such deposits are meant investments for which income is paid on a monthly basis. And the client can either add interest to the amount lying on the account, or ask the employee to arrange everything so that they are transferred to him in the current or card account. Today, such deposits in Moscow can be opened at any bank. But the list is worth the most popular.
Sberbank
Naturally, this permanent leader of the banking market is the first in the list of organizations offering deposits with monthly interest payments.
The most popular tariff is called “Replenish”. Here are the conditions offered:
- The rate is from 5.22% to 6.23% per annum in rubles.
- Duration - from 3 months to 3 years.
- There is a possibility of replenishment.
- Partial withdrawal is not available.
- The minimum deposit amount is 1,000 rubles.
If a person invests, for example, 100,000 rubles a year, then his average income for 30 days will average 470 rubles. In a year it is about 5,640 p. The rate with this amount will be 5.64%. But if you invest 500 000 p., It will increase to 5.8%. And the average monthly income will increase to 2,416 rubles, respectively. And according to the results of the term, the profit will amount to 28,993.11 rubles.
By the way, there is another similar contribution with a monthly interest payment. Sberbank called it “Save.” In this case, the rate varies from 4.6% to 6.49% in rubles, and the period is from a month to three years. Only it can not be replenished.
"VTB 24"
If we talk about the most profitable deposits with a monthly interest payment in Moscow, then you can not help but pay attention to the services of this bank.
“VTB 24” has an excellent tariff, it is called “Cumulative”. Here are the conditions offered:
- The rate is up to 7.35%.
- You can replenish (at least 30,000 rubles).
- The interest rate increases over time.
- You can get a bonus if you open a deposit through online banking.
- The minimum deposit amount is 100,000 p.
- Interest is monthly transferred either to the card, or remain on deposit.
- The maximum period is 1830 days.
So, if at this rate a person will invest 1,000,000 rubles per year (replenishing each month by 30,000 p.), And decides to leave interest on the account, by the end of the term his income will exceed 80,000 p. The nominal rate will be 6.75%.
This tariff is very popular among wealthy bank customers. They leave positive feedback in which they note not only favorable interest rates, but also the high competence and professionalism of the serving staff. In any case, in the offices of Moscow.
Gazprombank
Many go to open deposits with a monthly interest payment in Moscow to the branch of this particular bank. There is a special tariff, it is called "Rental Plus". The interest rate depends on the amount that a person is willing to invest. The best offer awaits people opening a deposit of a million rubles or more. And it’s best to arrange interest capitalization then the rate will be 6.91% per annum. And without it - 6.7%.
In this case, the profit will be accrued on the last working day of each month - either to a bank account with GPB, or to one that is intended for settlements (using a card already opened with Gazprombank).
VTB Bank of Moscow
This financial institution also offers deposits with monthly interest payments. And there are several such proposals.
The first tariff is called Maximum Growth. Here are its conditions:
- The rate is up to 7.98%.
- Duration - from 91 to 1065 days.
- The minimum amount is 1,000 rubles.
- Top-up without limits.
- Salary customers - increased rate.
- Withdrawal is possible, but only once (after 180 days after opening the deposit).
Interest is paid monthly - to the account or bank card. But capitalization is also possible. If, for example, a payroll client places 100,000 rubles for 365 days, then his income will be 7,700 rubles.
The second tariff is called "Maximum Revenue". The terms are the same in terms of the amount, timing and method of withdrawing interest on the account. But the interest is higher. The maximum rate is 8.46%. The only difference is there is no way to withdraw invested funds and replenish the deposit. So it’s profitable to immediately deposit a large amount.
And finally, the third tariff is “Maximum comfort”. The most popular. The maximum rate is 7.55%. It is possible to replenish and withdraw funds, as well as transfer interest to a card or bank account (or capitalization - as convenient for the client).
Russian Agricultural Bank
It is also possible to arrange deposits with monthly interest payments. Older people most often turn to the Moscow branches of the Agricultural Bank - there is a special offer for them. Tariff “Retirement income”, to be more precise. Here are its conditions:
- Dates - 395, 540 and 730 days.
- The rate is 7.3%, 7.7% and 8% respectively according to the above terms.
- The minimum amount is 500 rubles.
- The maximum is 2 million.
- Replenishment is possible (minimum - 1 ruble).
Profit is either attributed to the deposit amount (i.e., capitalized), or transferred to the account opened by the client with the Agricultural Bank.
There is also a “Managed” tariff. The best offer is to deposit an amount of 500,000 rubles for 540 days. Then the rate will be the highest - 6.6%. The maximum amount, by the way, is 10 million. Customers assure: this is the most profitable option for those who care about the function of expense transactions. After all, the Agricultural Bank provides it while maintaining the interest rate.
The tariffs “Amur Tiger” (rate - up to 8.1%), “Classic” (8.55%) and “Cumulative” (7.45%) are also offered. True, in all cases there is no function of expenditure operations. And in the case of the "Classic" contribution, there is still no way to replenish it. However, this point is offset by a rather high interest rate.
Alfa Bank
The service of this organization is also worth noting attention, listing profitable deposits at interest. With a monthly interest payment, the “Premier” tariff is offered here. If you want to make the maximum profit, it is best to invest an amount of 5,000,000 rubles for 184 days. Then the rate will be 8%. In general, Alfa-Bank deposits for 184 days are the most profitable. For example, at the same rate for a deposit of 10,000 rubles, the rate will be 7.6% per annum. And if a person decided to invest this amount for a year (maximum term), then it will decrease to 6.9%. The Premier deposit can be replenished, but by at least 5,000 rubles. Interest may be capitalized.
A similar tariff is called "Potential +". Only in this case, the maximum rate is 7.8%. And the period varies from 9 to 1095 days. The rate is lower because there are advantages - a person can withdraw money without losing interest. And, again, the most profitable option with a maximum rate is to invest an amount of 5 million for a period of 184 to 244 days.
Moscow credit bank
Of course, residents of the capital have the opportunity to open a profitable contribution to this organization with a monthly interest payment. The Bank of Moscow is called credit, but deposits are also accepted there. There is a very convenient tariff, called "Just in case." This contribution is replenished and perpetual. And the amounts (both minimum and maximum) are not limited. Interest is paid monthly, but the rate is not very high - 4.5% per annum. But there is a definite advantage - early payment can be requested on any day and without any restrictions. And indeed it is. Customers who use this tariff assure: if you want to open a quick and profitable deposit, then this is perhaps the most convenient and honest option.
Moscow Regional Bank
Finally, it is worth noting the attention and contributions proposed by him. In banks with a monthly interest payment, you can find profitable offers, and in the Moscow Oblast, too.
The best option is the “Personal” tariff. Here are the conditions:
- The term is 365 days.
- The maximum rate is 9.4%.
- The minimum amount is 300,000 rubles.
- Top-ups are possible during the first 183 days.
And the client can choose either capitalization or payments to the account every month. The tariff is successful, but only with more or less affluent customers - because of its minimum amount.
