In many countries, one of the most popular areas of investment is a bank deposit. Deposits in Moscow banks: how to navigate them? Numerous Russian financial institutions offer a wide range of services, and before you place funds on a deposit, you need to at least study their rating.
Which conditions are better?
The interest rate on each deposit differs depending on the conditions of the deposit. What is the most profitable way to place deposits in banks in Moscow, so as not to miscalculate?
First you need to determine the following criteria:
- deposit amount, conditions of accumulation and interest rate;
- currency in which it is most profitable to place deposits;
- contract time.
As a rule, if you decide to quickly accumulate a certain amount of cash, it is better to choose deposits in banks in Moscow replenished. And the extension without early withdrawal, under the terms of the contract, gives a larger percentage.
Moscow banks provide an opportunity for pensioners to earn money by opening programs with a high interest rate.
Rubles, dollars, euros ... The deposit currency is determined by the placement period and the amount of funds. Everything is very simple: if you have fast accumulation in the future, a deposit in rubles at a high rate will allow you to do this in the shortest possible time. If you decide to issue a ruble deposit for a rather long period, it is possible that some of the savings will be absorbed by inflation.
The most favorable interest rates
It is worth considering that when choosing a deposit, you need to focus not on the maximum rate indicated in the bank’s brochure, but on the rate that will correspond to the amount you have and the term for which the deposit is supposed to be placed.
So, where is the most profitable to place deposits in banks in Moscow?
Consider the example of a ruble deposit. According to banking statistics, the interest rate here ranges from 12% to 9.7%. But the terms of the contract vary. For example, Binbank offers to place deposits with banks in Moscow at a maximum percentage of 12%, but under the terms of the agreement:
- no partial withdrawal;
- there is no possibility to replenish the deposit amount;
- lack of capitalization;
- interest is accrued at the end of the period.
The minimum amount is 150 thousand rubles. for the term of placement - 181 days.
The deposit program “Maximum Deposit” in the same bank has good conditions for the amount of placement and term - from 10 thousand rubles. for a period of 31 days to 1095 days. There is already a choice.
If you are not satisfied with strict conditions, you can choose the “Profitable +” deposit, where there is a partial withdrawal, as well as replenishment and capitalization. Interest is accrued monthly. True, they will be slightly lower - 11.7%.
A good deposit program is offered by the Bank of Moscow, where it is possible for customers with a salary account to place a deposit with a minimum amount of 1 thousand rubles. at 9.8% for a period of 91 to 1095 days.
TOP 10 banks in Moscow
Independent agencies make up the bank rating, using various indicators reflecting the degree of reliability of credit institutions. Net assets are the most common rating indicator (the higher, the more reliable the bank is), they also determine the rating for deposits (popularity rating) and for loans (the amount of loaned funds matters).
Which banks of Moscow are the most stable?
TOP-10 banks in Moscow include:
- Sberbank of Russia - has a 170-year history, a controlling stake belongs to the state, which adds to its reliability and prestige.
- Bank of Moscow is the largest commercial bank offering 5 types of deposits.In 2010, it was also funded by the government.
- VTB24 - offers to open deposits not only in currency but also in precious metals.
- Raiffeisenbank - provides its customers with a convenient online account with the ability to manage their accounts and deposits.
- Rosbank - founded in 1993, was later acquired by Interros, which raised its rating.
- Promsvyazbank - was originally created as a bank for the telecommunications industry. After he entered the TOP-15 in 2005, he restructured and became a broad-based financial institution.
- Tksbank (Tinkoff credit systems) is one of the leading banks in Russia, has a four millionth customer base, favorable credit conditions with the possibility of delivering a credit card directly to the client’s house.
- CreditEuropaBank is a foreign bank with headquarters in the Netherlands. Included in the TOP 50 in terms of assets.
- "Russian Standard" - has 20 consumer lending institutions.
- RossgosstrakhBank - has improved basic indicators, 1.5 million individuals and more than 30 thousand corporate customers: the trust rating is high.
In conclusion, I want to say: to preserve and increase their hard-earned money is everyone’s natural desire. In conditions of crisis and instability, a greater risk is present if you place exclusively deposits in rubles in Moscow banks. Banking analysts advise splitting the amount into parts by placing savings on several foreign currency deposits.
