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 for chic, then it is also quite pleasant to increase the number of banknotes. Which offers promise the highest interest rates on bank deposits? The rating lists the most profitable deposits of 2018 for today, one of options where you can invest moneyto earn.
For depositors on a note: if the amount of money on all open accounts with the bank is maximum 1 million 400 thousand rubles, the insurance payment in the event of a bank's default or revocation of its license will be 100%.
10. Moscow Industrial Bank, "Accumulative" deposit
Interest rate: 8.25%
The "Accumulative" offer (online) opens the rating of the highest deposit rates. As the name implies, the deposit 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 an amount of 1.5 million rubles. and validity period from six months to a year.
Potential investors should keep in mind that the IIB has not met the requirements of the Central Bank for premiums in recent months. True, this can at most threaten the bank with restrictions in some aspects, but not at all with the revocation of the license.
9. Absolut bank, "Absolute maximum +" deposit
Interest rate: 8.25%
The interest rate of the offer "Absolute Maximum +" depends on the amount of the deposit and its validity period. The claimed 8.25% can be obtained with a deposit amount of 30 thousand rubles. and a duration of six months.
Absolut Bank has passed the major shocks this year - it got off with just a slight downgrade, but it still has the status of “stable”.
8. Bank Vostochny, "Rozhdestvensky - VIP" deposit
Interest rate: 8.25%.
To be more precise, the “Rozhdestvensky - VIP” offer offered by Vostochny Bank has a different interest rate depending on 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 dropped to a pre-default state. And who knows if Dmitry Levin, the former head of Russian Standard, will be able to save the situation.
7. Renaissance Credit, contribution "Renaissance Profitable"
Interest rate: 8.35%.
The offer "Renaissance Profitable", in addition to its 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 (starting from 7.5%). The stated rate of 8.35% is intended for a deposit for a period 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 the present time. On the contrary, he is making progress - he even ousted Alfa-Bank in the field of lending to the trade industry. And "Kommensant" awarded him an honorable fourth place in the rating of banks' profitability.
6. Russian capital, digital bonus online deposit
Interest rate: 8.5%
Russian Capital offers a Digital Bonus Online deposit with a minimum amount of RUB 100,000. for a period of three months. To receive such an offer, you need to register your deposit via the Internet. If you make a deposit at the office, the interest rate is lower and is 8%.
By the way, potential depositors should be prepared for the change in the name of the bank to Dom.rf-bank: the bank has a new owner and a new strategy.
5. Credit Bank of Moscow, deposit "New Year"
Interest rate: 8.5%
A distinctive feature of the "New Year" deposit is the extremely low amount of the initial payment; it is only 1000 rubles. The term of the deposit is six months.
Although the IBC rating in the international arena was negatively impacted by excessive lending to large enterprises in a difficult financial situation, this is unlikely to affect depositors' money. And according to the Central Bank, MKB is among the most reliable banking institutions in Russia.
4. Promsvyazbank, deposit "My income"
Interest rate: 8.55%.
The offer with the promising title "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 management of Promsvyazbank has carried out a number of rather controversial, if not outright illegal, transactions in the past. And exactly before the New Year, the head of the bank went abroad, presumably to the center of attraction for all humiliated and insulted politicians and bankers who did not find a place at home - London. In such circumstances, it is worth adding two and two and thinking hard.
3. Bank Vozrozhdenie, deposit "New Year's interest"
Interest rate: 8.55%.
In the first three of the highest deposits in banks is the offer "New Year's interest" from Bank Vozrozhdenie. The minimum amount is 50 thousand rubles, the deposit is urgent, interest is paid at the end (validity period - from three months to a year).
However, due to the recent news, the future of the bank, although it looks relatively stable, is not bright. At the end of 2017, the RAEX agency downgraded Vozrozhdenie's credit rating, and the reorganization of Promsvyazbank, which was related to Vozrozhdeniye, which had begun, could not but affect the mood of clients.
However, the bank is one of the largest banks in the Russian Federation, so regardless of the circumstances, it will be pulled - perhaps at the expense of the budget.
2. Bank "Soviet", deposit "New Year Privilege"
Interest rate: 8.87%
The annual offer "New Year's Privilege" from the "Sovetsky" bank looks quite attractive. 8.87% with the ability to replenish the account, prolongation and the minimum deposit amount from 10 thousand rubles looks pretty attractive, doesn't it? But every barrel of honey has its own fly in the ointment.
Bank "Sovetsky" has a difficult story associated with major financial scandals. At the end of 2015, doubts arose about the viability of Sovetskoye. 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 Sovetskoye in its favor). Is it worth the risk? It is up to the depositor to decide.
1. B&N Bank, "Contribution to the Future"
Interest rate: 9.50%.
The highest interest on a deposit in rubles has an offer for a period of six months called "Investment in the future." The condition for obtaining interest is that the bank's employees issue a life insurance policy with a minimum contribution of 50 thousand rubles.
B&N Bank also has one of the most profitable New Year's deposits, the rate at which reaches 8.3%, provided that the minimum deposit amount is 50,000 rubles.
In September 2017representatives of B&N Bank themselves voluntarily came to the leadership of the Central Bank with a request to reorganize them. This autumn the banking market was generally full of shocks. Three of the banks currently being rehabilitated will probably merge in ecstasy - at the moment there is a discussion of the merger of "Otkrytie", "B&N Bank" and "Promsvyazbank". How will this affect depositors? According to analysts, timely reorganization is a guarantee of the bank's efficient operation, and clients' funds will not suffer damage.
Summing up
- For those who have small amounts - from a thousand rubles to 10 thousand rubles, deposits at a high percentage are suitable: "New Year's Privilege" (second line of the rating), "New Year" (fifth on the list) and Renaissance Profitable (seventh line).
- Depositors who have from 30 to 50 thousand rubles, in 2018, can take advantage of offers from B&N Bank (the first line of the rating), Vozrozhdenie (third place in the selection) and Absolut Bank (it is in ninth position).
- People who can afford to deposit at least 100 thousand rubles into their account are waiting for "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 intended for the rich who are able to open a deposit of 1.5 million rubles and more.
Almost all of the deposits listed in our top 10 are designed for long term "storage". If you are not satisfied with this situation, and you want to get a little less, but faster, then it is better to take a closer look at profitable New Year's deposits, offers for which are still valid until the end of 2017 (and some - even during the New Year holidays).