10 best banks for deposits

And opens the rating is quite the best contribution for those who have never been a customer of this institution. Allows you to find services of Raiffeisenbank and not worry about investment. All information about contribution and management tools have in online banking or mobile app. In the presence of responsive technical support, which you can always apply for a solution. Through it is possible to manage money.

The terms of the standard, and the annual interest rate is attractive, but not perfect. Deposit allows you to Deposit from 100 thousand to 1 million rubles. To place them for a period of 181, or 366 days. The maximum rate will be in the first case. Capitalization is monthly, but you can configure a withdrawal on an existing account outside of Deposit. Unfortunately, replenish the Deposit or withdraw the money from it will not work. You can open the Deposit in the Bank on the promo code that you receive when making online application. In reviews, users emphasize the convenience of online banking and mobile app – everything is clear and works like a clock.

9 "VICTORY+" (ALFA-BANK)

Best Bank for long-term and large deposits
Interest rate: 7.04 per cent
Rating (2021): 4.2

Alfa-Bank offers convenient Deposit everyone. But it will be most beneficial for clients with a high level of service and large sums on Deposit. This is a great solution for those who need to put a lot of money at a good rate and not have to worry about maintenance. You can invest from 10 thousand to 20 million rubles. Time – from three months to three years. Affordable monthly capitalization of interest, whereby the contribution of yield is one of the largest. But not the biggest. Other extra options there.

There is a small caveat, which does not allow the Bank to climb higher in our ranking. Rate in a year depends on three parameters: the package (all five of them), the amount and term. The maximum rate is available only to owners of package "a-club". Unfortunately, a less "premium" packages lower the interest rate, for example, at an average package of Comfort she will have of 6.68%.

8 "YOUR SUCCESS" (GAZPROMBANK)

A simple and profitable contribution
The interest rate of 8.32%
Rating (2021): 4.3

Gazprombank offers lucrative Deposit with possibility of capitalization. You can open it in three ways – at the office, through a mobile application, using the application in the personal Cabinet on the website of the Bank. The amount of the contribution varies from 50 thousand to 3 million rubles. A selection of three term – 367, 548, and 1095 days. The maximum rate was 7.45%, but if you choose to Deposit with capitalization, the yield grows to 8.32%. The percentage is quite high, but when you rollover contribution rate falls to 6.45%.

Unlike many other banks, Gazprombank offers interest payments in the end of each calendar month. This is great for monitoring your funds. But, unfortunately, there is no possibility of replenishment and partial withdrawal. For all transactions can be monitored through the convenient mobile app. The Bank also provides its customers with technical support to resolve any questions on the hot line. But on its website Gazprombank publishes too little information: to learn all the details about the contribution, it is easier to go to the Bank. Alas, it was the lack of more detailed information does not give rise to Gazprombank higher in our ranking.

7 "MAXIMUM INCOME" (SOVCOMBANK)

"Halva" as a gift
Interest rate: 7,8%
Rating (2021): 4.4

Sovcombank offers favorable conditions for the customers. This card "Paste" an open Deposit with high rate of 7.8%. Given the benefits of the card itself, along with a profitable percentage of the institution can be considered one of the best for existing customers. Customers who opened earlier card installment "Paste", you can count on Deposit with a high rate of 8%. However, new customers will receive rate at 7%. Put into the account should be not less than 50 thousand rubles. Encouraging flexible terms – they range from one month to three years. With increasing duration and increasing rate.

The percentages displayed at the end of period separate account. To the account tied card installment "Paste". Important point: the annual rate attached to it. To rate remained at 8%, you need to use the card at least five times a month and spend it at least 10 thousand rubles for that time (whether their own or credit). If you miss at least a month or delay of credit card debt, the interest on the Deposit will be reduced to 7%. Available replenishment. But the amount of additional injections should not exceed the initial Deposit amount for the first ten days after opening the account.

6 "LEADERSHIP STRATEGY" (BANK ZENIT)

Interest rate: 9.5 percent
Rating (2021): 4.5

One of the reliable banks, though not the most famous, offering high interest rates people are literally "off the street". No need to be payroll or preferred customer to get a percentage higher than the average market truly sustainable institutions. A small minus – for registration you must open the investment policy of life insurance or to terminate it before the closing of the Deposit. But it provided extra income and a guaranteed return on contributions, so there is nothing to fear.

Deposit is opened for a period of 300 days and may not be less than 100 thousand and more than 30 million rubles. More options, and capitalization is not provided. Interest is calculated on the separate periods – once every 100 days the rate increases by a certain percentage. For example, at the conclusion of the contract for 5 years the rate is 7.7%, which over time gradually rises to 9.5%. Overall this is a bargain, but only if there is a possibility to allocate funds for investment. That is why the contribution is not the highest place in the ranking.

5 "BEST" (VTB)

Best Internet banking for opening Deposit
Interest rate of 7.35%
Rating (2021): 4.6

One of the largest banks offers a contribution with the telling name. I am glad that the establishment allows you to open a Deposit online, and then get a written contract on the passport in any branch. It is profitable, convenient and easy. VTB offers one of the longest terms "storage" of money for quite sane rate, so it is good even for very long-term deposits. In the reviews the customers note that the Bank is willing to solve issues and problems.

The Deposit allows you to store 30 thousand rubles in terms from three months to five years. While the interest can be capitalized every month or displayed on the card. It is a pity that there is no replenishment and partial withdrawal. The biggest rate of 7.35% can be obtained if a Deposit of 3-5 years of over $ 75 thousand rubles. To do this, you must be the owner Multimap VTB with the connected option "Savings". Making purchases with this card, you will be able to increase the yield of up to +1.5% per annum. The higher the amount of purchases, the greater the percentage, but the accrual does not exceed the limit of 1.5 million rubles. Interestingly, you can terminate your Deposit early and get a part nakapasok percent. If the money lay in the Bank at least 181 days, the client gets 60% of what was supposed to accumulate on Deposit during these six months.

4 "SPECIAL" (OTP BANK)

The easiest contribution
Interest rate: 6.8 percent
Rating (2021): 4.7

A good Bank with a favorable interest rate. Financial institution TOP 15 banks according to Forbes. The quality of service, judging by the reviews, at the height of the staff is willing to contact with the customer and solve problems. The rate is 6.8% fixed, it will not change depending on the amount of the Deposit. To make a Deposit you need in the office, online is impossible. In addition, the service is available only to those customers who have issued the Bank card rate "Your choice – Saving" or "anything goes."

The Bank offers Deposit program no trick, but without any "frills" like capitalization or other options. Put on the Deposit from 30 thousand to 10 million rubles. It is possible to open several deposits on one person – it is important that their sum does not exceed the upper limit for a single Deposit. To place a Deposit on 181, or 366 days. Doesn't have any options – the contribution of a series of "put and forget". Quite handy when you need just the best annual interest rate without additional functions.

3 "CUMULATIVE CAPITALIZATION" (MOSCOW CREDIT BANK)

The smallest size of the contribution
Interest rate: 6,75%
Rating (2021): 4.8

Comfortable offer for any person. The account is even in the payment terminal of Bank, online or via a smartphone app. Interestingly, the Bank has a quite low minimum Deposit amount. While the annual rate does not depend on its size. The maximum percentage of easy to get, if you connect annual package and put the money for a year. The gift for Deposit, the Bank gives debit MasterCard Gold. According to user reviews the impression that the institution is gaining a competent and careful employees, so that the opening won't be a problem.

To open the contribution in the ICD for a period of 3 months to a year. To make even a thousand rubles. So that the proposal is suitable even for those who need to put a very small amount. Maximum Deposit amount – $ 10 million. Percent each month kapitaliserede. Provided monthly replenishment of the Deposit, but only up to a maximum amount. But partially withdraw the money is an option for the money.

2 "RELOADABLE" (ROSSELKHOZBANK)

Interest rate: 6,4%
Rating (2021): 4.9

The reliability of the agricultural Bank is one of the first places. Because it is a public institution that is stable in the market. It offers a large amount of deposits, and among them is easy to get lost. But with such an extensive selection you will be able to satisfy any requests. One of the chips in the Bank that he places the interest is higher for those deposits that were opened through the online application form. You get a double benefit. On the one hand, it is practical: you can not go out, and the banking application itself decides all. On the other, higher interest rate will be higher than that which you can place in offices. We propose to examine the Deposit with a combination of easy use and high rates: "Replenish".

If you open a Deposit in the amount of 50 thousand rubles, a gift is a debit card "Amur tiger". It helps to perform different kinds of payments, and you support an endangered species of Amur tigers. The minimum amount for payment – 30 thousand rubles, maximum – 10 million rubles. Monthly interest can be capitalised or transferred to the account. You choose it when you make the contribution. The term from 91 to 1095 days. The minimum rate of 5.70% and a maximum of 6.40%. The Deposit not later than 30 days prior to the closing date of the contribution.

1 TINKOFF BANK

Best Bank for deposits according to customers
The interest rate of 6.92%
Rating (2021): 4.9

Customers in their reviews called Tinkoff one of the best banks. Unlike other financial institutions, the program had only one. It is made so that you yourself set up the conditions for their Deposit. Minimum amount – 30 thousand rubles, the maximum is 30 million rubles. The Deposit period varies from 3 to 24 months. The greater the amount and Deposit term, the higher the percentage. Therefore, the rate ranges from 5 to 6.92%. But to get the maximum index, it is necessary to note the contribution calculator "icon to Raise the rate on the Deposit". Note that this activates an important condition: to replenish the Deposit when you use this option only within 30 days after its opening.

A gift to make a contribution to Tinkoff gives debit card with a cashback of 30%. Among other advantages of working with Bank – friendly application. In it you control a Deposit. In your power to extend the deadline, reject it or transfer the interest to the map, not store together with Deposit. In the industry of mobile banking apps Tinkoff is one of the leaders. All clients have access to a service "multi-input". So you can keep the money not in rubles, but in dollars or euros. And change the currency as needed. This function will ensure the safety of the money, despite fluctuations on the currency market.

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