In Moscow there are central officesof the majority of Russian banks. That's why everyone who wants to receive income from investing deposits will find a suitable option for themselves. What are the interest rates on deposits in Moscow banks today? This issue is of concern to all who wish to place their money profitably.
Now our country is going through far from the besttimes in their history. The absence of a serious economic growth can affect the stability of the financial system. That is why it is important to determine how reliable commercial banks are. It is difficult to give a unambiguous answer. Analysts advise as much as possible to study the current situation in an institution that interests a potential client, and only then make a final decision about banks, deposits, high interest.
Moscow is a city in which problems withA qualitative choice should not arise. To date, both state and commercial banks are participants in the deposit insurance system for individuals. It is this factor that guarantees the return of the client's funds even in the event of liquidation of a financial institution. Let's take a closer look at the best interest on deposits in banks in Moscow.
How profitable today to keep your savingsin currency? The maximum interest on deposits in Moscow's banks in dollars rarely exceeds 6% per annum. We see that the rate itself is relatively low. However, when making a deposit in foreign currency, you get an absolute guarantee of safety and augmentation of your funds. It's not about the nominal, but about the real value of the numbers. How to understand this? Not so long ago, the dollar was worth about 40 rubles, and now it's 50-60 rubles. Customers who then bought dollars and issued a foreign currency deposit will benefit today. Firstly, they will earn on interest, and secondly, when exchanging dollars for rubles, they will receive a much larger amount than they spent with the purchase of currency.
What rates can be found today in the Russianfinancial institutions for foreign currency deposits? For example, OJSC "United Credit Bank" offers a deposit "Currency prestige." When placing funds for one year, the client will receive 8% per annum. In this case, there is no possibility of capitalizing interest, but you can replenish the deposit. If the client does not come at the end of the term of the contract for money, the deposit will be automatically renewed for the same period at the rate that is valid at the moment. The same interest is offered to its clients by Arksbank. But "Vneshprombank" has developed several types of deposits in US dollars. The "Maximum income" contribution (the interest rate ranges from 2.5 to 7.5%) assumes the client's gradually growing income.
The same principle is laid in the profitability of other deposits:
In "BM-Bank" deposits can be opened both inoffices, and through the Internet. This, by the way, is very convenient for people who do not have time to come to the branch. The most progressive bank for clients is the Bank of Moscow. Interest deposits in this institution may not have the same profitability as in some other structures. The advantage of "BM" is the high quality of customer service, many years of experience in the international banking market, the confidence of depositors.
The minimum amount of the deposit "Maximum income"is 100 dollars or 100 euros. The interest rate depends on the term of the deposit and its amount. For example, if you place from 100 to 20,000 dollars for 91 days, your interest rate will be 1.35% per annum. If you make the same amount for 550 days, the rate will be 1.7%.
The contribution of "Maximum Growth" is not so profitable, butnot less popular. It provides for the possibility of replenishment and capitalization of interest. As an example, we take the same amount and the same terms. The interest rate for the deposit for 90 days will be 1.25% per annum, and for a period of 550 days - 1.6%.
"Bank of Moscow" offers another interestingdeposit in currency - "Maximum comfort". What are the conditions of this deposit? The customer chooses the deposit term in the range from 91 to 1,095 days. The minimum amount of the first deposit in the currency is $ 100 or € 100. Interest is paid monthly. At the client's choice, this can be their capitalization or payment to a separate card.
What rate does the bank offer its customers?When placing funds in dollars (for example, 1000 US dollars) for 91 days, the client's income will be 1.15%. Yes, the rate is small, but still ... The terms of the deposit provide for unlimited possibilities: you can withdraw money and replenish the deposit without restrictions. In fact, this is a normal current account, only the "Bank of Moscow" interest on deposits always high (as far as possible).
Almost all Moscow banks offer deposits in rubles. Deposits, the best interest on them and terms we will now discuss.
At the moment, very popular was "Citybank. "Under the programs" Fixed-term with investment products "and" Fixed-time with accumulative insurance ", the client will receive 18% of the deposit for the year, but there is no possibility of replenishment and withdrawal of funds during the entire duration of the contract. is 30 thousand rubles.
An interesting variant is offered by "Home Credit Bank".The program is called "Profitable year with capitalization." One of the advantages of the deposit can be seen in the name itself. The rate is 17.23% per annum. The conditions provide for the possibility of replenishment. The minimum term of the contract is 12 months.
Deposit program of Trust Bank Honoraryclient "attracts a good interest rate (15.25%) .What is more interesting in this deposit? The bank did not provide for the possibility of replenishing or withdrawing funds during the entire term of the contract, which is at least 12 months.
Optimal conditions are offered by many Russianbanks (deposits, high interest). Moscow is the center of Russia, not the United States, so there will never be very high interest rates on foreign currency deposits. Analyzing the statistics of domestic banks, we see a not very comforting picture: one of the maximum interest rates on a dollar deposit is fixed in the financial institution "Trust" and it is only 6.25%. Further, several structures offer customers to place money at 6% per annum (MDM-Leader, Russian Standard, BIN-Bank). Other financial institutions have even worse conditions.
Of course, everyone who wants to earn on placementdeposits should take all decisions independently, but it is worthwhile listening to the opinion of experts. Financiers believe that it is better to place money in national currency and not to buy at too high a rate.
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