The cherished desire of many people is to successfully invest money and live on bank interest. And even if the invested funds do not allow to show off, then to increase the number of banknotes is also quite nice. What kind of proposals promise the highest interest on deposits in banks? The rating lists the most profitable deposits of 2018 for today, one of the options where you can invest to earn money.
Note to depositors: if the amount of money in all open accounts in a bank is at most 1 million 400 thousand rubles, the insurance payment in the event of default of the bank or deprivation of its license will be one hundred percent.
10. Moscow Industrial Bank, deposit “Accumulative”
Interest rate: 8.25%
The Cumulative offer (online) opens the rating of the highest deposit rates. As the name implies, the contribution requires registration via the Internet, otherwise the interest will be less profitable (7.95%). The rate depends on the duration and the minimum amount; 8.25% is achieved only with the amount of 1.5 million rubles. and valid from six months to a year.
Potential investors should keep in mind that the IIB in recent months has not complied with the requirements of the Central Bank for premiums. True, this may threaten the bank with restrictions in some aspects, but not with the loss of a license.
9. Absolute bank, deposit “Absolute maximum +”
Interest rate: 8.25%
The interest rate of the offer “Absolute Maximum +” depends on the amount of the deposit and its validity. The claimed 8.25% can be obtained with a deposit amount of 30 thousand and a duration of six months.
Absolut Bank passed major shocks this year - it escaped with just a slight downgrade, but still has the status of “stable”.
8. Bank Vostochny, deposit “Christmas - VIP”
Interest rate: 8.25%.
To be absolutely precise, the offer “Christmas - VIP” offered by Vostochny Bank has an interest rate that varies depending on the size of the minimum amount and the term of the deposit. The minimum amounts range from 1 million to 30 million rubles, and the validity period is from three months to a year.
True, the future of Vostochny looks rather vague - after the merger in favor of Uniastrum Bank, Vostochny continues to lose money. As a result, the bank's ratings fell to a pre-default state. And who knows if Dmitry Levin, the former head of the Russian Standard, will be able to save the situation.
7. Renaissance Credit, “Renaissance Profitable” deposit
Interest rate: 8.35%.
The Renaissance Profitable offer, in addition to an interesting name, is distinguished by the following feature: the percentage depends on the term of the deposit. The shorter the term, the lower the percentage (starts from 7.5%). The declared rate of 8.35% is intended for deposits with a term of 400 days and an amount of 10 thousand rubles or more. You can open it through the Internet bank.
Renaissance Credit is a rare bank that does not experience major problems at present. On the contrary, it is making progress - it even squeezed Alfa-Bank in the field of lending to the trading industry. And Kommersant awarded him an honorable fourth place in the rating of bank profitability.
6. Russian capital, deposit "Digital bonus online"
Interest rate: 8.5%
Russian Capital offers the Digital Bonus Online deposit with a minimum amount of 100 thousand for a period of three months. To receive such an offer, you must register a contribution via the Internet. If you make a deposit in the office, the interest rate is lower and is 8%.
By the way, potential investors should be prepared for the fact that the name of the bank changes to “Dom.rf-bank”: the bank has a new owner and a new strategy.
5. Moscow Credit Bank, “New Year's” deposit
Interest rate: 8.5%
A distinguishing feature of the New Year deposit is the extremely low down payment amount; it is only 1000 rubles. The deposit is valid for six months.
Although the ICD rating in the international arena was negatively affected by excessive lending to large enterprises in a difficult financial situation, this is unlikely to affect the money of depositors. And according to the Central Bank, the IBC is one of the most reliable banking institutions in Russia.
4. Promsvyazbank, deposit “My income”
Interest rate: 8.55%.
An interesting proposal with the promising name “My Income” from Promsvyazbank looks interesting. The minimum amount is from 100 thousand rubles, the percentage does not depend on the duration of the deposit. But is it worth trusting your money to Promsvyazbank?
Recently, it turned out that the Bank of Russia suspects that the Promsvyazbank management has performed a number of rather ambiguous, if not directly illegal, operations in the past. But just before the New Year, the head of the bank went abroad, presumably to the center of gravity of all the humiliated and insulted politicians and bankers who did not find a place in their homeland - London. In such circumstances, it is worth adding two and two and thinking hard.
3. Bank Vozrozhdenie, New Year's interest deposit
Interest rate: 8.55%.
In the first three of the highest deposits in banks is the offer “New Year's interest” from the bank “Vozrozhdenie”. The minimum amount is 50 thousand rubles, a fixed-term deposit, interest is paid at the end (validity period - from three months to a year).
However, due to recent news, the future of the bank, although it looks relatively stable, is not brilliant. At the end of 2017, the RAEX agency reduced the credit rating of Vozrozhdenie, and the reorganization of the related Revival of Promsvyazbank could not but affect the mood of customers.
However, the bank is one of the largest banks in the Russian Federation, so regardless of the circumstances it will be pulled - possibly due to the budget.
2. Sovetsky Bank, New Year's privilege deposit
Interest rate: 8.87%
The annual offer “New Year's privilege” from Sovetsky Bank looks quite attractive. 8.87% with the possibility of replenishment of the account, prolongation and a minimum deposit amount of 10 thousand rubles looks quite attractive, right? But each barrel of honey has its own fly in the ointment.
The bank "Soviet" is a difficult story associated with major financial scandals. At the end of 2015, doubts arose about the viability of Sovetsky. Since then, various banks have been trying to sanitize the bank with little success (up to the disappearance of the sanitized bank from the face of the Russian banking arena, along with all the money withdrawn from Sovetskiy in his favor). Is it worth the risk? Decide to the contributor.
1. Binbank, “Contribution to the Future”
Interest rate: 9.50%.
The highest interest on a deposit in rubles is held by a proposal for a period of six months called “Contribution to the Future”. The condition for obtaining interest is the execution by the bank employees of a life insurance policy with a minimum contribution of 50 thousand rubles.
Binbank also has one of the most profitable New Year deposits, the rate on which reaches 8.3%, provided that the minimum deposit amount is 50,000 rubles.
In September 2017, representatives of Binbank voluntarily came to the leadership of the Central Bank with a request to reorganize it. This fall, the banking market was generally full of shocks. Three of the banks being rehabilitated at the moment may merge in ecstasy - at the moment, there is a discussion of the association of Otkrytie, Binbank and Promsvyazbank. How will this affect depositors? According to analysts, timely reorganization is the key to effective work of the bank, and customer funds will not suffer damage.
To summarize
- For those who have small amounts - from a thousand rubles to 10 thousand rubles, deposits with a high interest rate are suitable: “New Year's privilege” (second line of the rating), “New Year's” (fifth place in the list) and “Renaissance Profitable” (seventh line).
- Investors who have from 30 to 50 thousand rubles can take advantage of offers from Binbank (first line of the rating), Renaissance (third place in the selection) and Absolut Bank (it is in ninth position) in 2018.
- People who can afford to deposit more than 100 thousand rubles on their account will receive a “Digital bonus online” (6th position of this top-10) and “My income” (4th line).
- Such deposits as “Accumulative” (10th place) and “Rozhdestvensky - VIP” (8th place) are designed for rich people who can open a deposit of 1.5 million rubles or more.
Almost all deposits indicated in our top 10 are designed for a long period of "storage". If you are not happy with this situation, and you want to get a little smaller, but faster, then it is better to look at the profitable New Year deposits, the proposals on which are still valid until the end of 2017 (and some for the New Year holidays).
