If a person has free money, then he seeks to invest it somewhere, increase it so that they start working for him. Some people buy precious metals or real estate, but they may not have enough finances for them. In this case, the easiest way is to put money into a deposit account with a bank at interest.
The financial literacy of our people leaves much to be desired, so not every person is able to choose the most profitable deposit program. We wanted to help you with this problem and have compiled a rating of the best profitable bank deposits in 2021. In the article, we will talk in great detail about the most relevant programs of various domestic banks, give the main conditions, terms of deposits, and so on, as well as give some useful tips that will definitely help when choosing the deposit itself.
How to choose the most profitable investment wisely?
First of all, it should be noted that the larger and more reliable the bank, the lower the interest rates on deposits. If you want to extract maximum profit, then you need to focus on not very popular financial organizations, since there are a lot of banks in our country today. Be sure to ask if the funds of depositors are insured under a special program. If there is no such thing, then it is necessary to refuse to place money in such a bank – if the company is deprived of a license, then no one will return the money to depositors.
Each of the contributions has its own features and functionality, which must be reckoned with. The first and most important point is the minimum deposit amount. There are programs in which you need to deposit from 10 to 100 thousand rubles on the account, and there are deposits where 1,000 will be enough. Often, banking organizations increase interest rates if there is more than a certain amount on the account.
The term of the deposit is also important – it can range from one month to several years. Typically, long-term programs offer higher interest rates. After the end of the deposit period, you can carry out the so-called prolongation – extend the term of the deposit. Here, too, you need to be careful: some programs do this automatically if the client has not closed the account, while others will need to personally visit the bank and write a corresponding application.
Various additional options need careful study. For example, you do not exclude the option that you will have to withdraw funds as needed – in this case, a program with the so-called minimum balance is suitable. In other words, it will be possible to withdraw money from the account along with interest (or without it, depending on the terms of the agreement), leaving a minimum balance there. It must be remembered that the withdrawal of money from the account reduces the profitability of the deposit.
It is convenient if interest capitalization is provided – interest is not issued to the depositor, but is accrued to the account itself. It turns out that every month the amount of funds in the account will increase, respectively, the interest will also be higher.
When we chose the most profitable deposits for people, we relied on all these factors. In addition, a lot of user reviews were studied, so the review included the most popular options for depositing funds that can bring good income, and finances will be completely safe.
Ten most profitable deposits
10. Rosselkhozbank “Replenished”
This financial institution has existed in the domestic banking services market for more than 20 years, during which time it has managed to establish itself as a reliable partner for both individuals and legal entities. There are a lot of varieties of deposit programs, but such a contribution stands out clearly from all the others. The minimum amount of a cash deposit is 3,000 rubles if the client opens a deposit online, through a website or application. You can put a maximum of 10 million rubles on this account. If a person immediately deposits from 50,000 rubles, then he is given a debit card “Amur Tiger” as a gift. With its help, you can perform a variety of operations.
Interest can be capitalized or withdrawn to the account – depending on the preferences of the client. The minimum term of the deposit is 3 months, the maximum is 3 years. The rate ranges from 3.3 to 3.8% per annum. During the entire period, you can replenish the deposit amount, with the exception of only the last month.
- You can open an account by depositing only 3,000 rubles;
- Monthly it is allowed to replenish in the amount of 3,000 rubles;
- The term of the deposit can be chosen from 3 months to 3 years;
- Interest can be withdrawn to a separate account or capitalized.
- Shooting partially will not work;
- The interest rate leaves much to be desired.
9. Raiffeisenbank “Profitable Solution”
There is no minimum deposit amount – you can open an account by putting only one ruble on it, there are no strict deadlines or other restrictions either, that is, you can deposit and withdraw funds at any convenient time. The bank itself has long been able to establish itself among customers. The maximum interest rate here is also not too high – a maximum of 4%. The mobile application is convenient, has a very clear interface, technical support is always available.
As users say in their reviews, this program is more likely not a review, but simply a savings account. Interest is charged on the account balance. You can open such a deposit through the application or at a bank branch.
- There is no minimum amount to open this deposit;
- You can withdraw and replenish for any amount;
- The term of the deposit is unlimited;
- Easy to open and use.
- The interest rate is low, there are many better offers.
8. Moscow credit bank “Accumulative with capitalization”
Open such a deposit with one thousand rubles. In general, the offer is quite profitable for people who seek to save their money and further benefit from it. The company has been on the market for almost 30 years. The interest rate is 4.1%, you can open a deposit through the application, through the bank terminal, online – on the website. The annual interest rate does not depend in any way on the amount of the deposit.
The term of the deposit can be chosen from 3 months to 2 years. The largest amount of the deposit is 10 million rubles, interest is capitalized monthly and deposited into the account. You can top up your account monthly up to the maximum amount. You can withdraw money, but you will have to pay a fee.
- Small minimum amount;
- replenished deposit;
- Interest capitalization monthly;
- You can choose the term of the deposit;
- It is easy to open such an account.
- You can withdraw money only with a commission;
- Low interest rate.
7. Alfa-Bank “Alfa-deposit”
The conditions of this deposit are formed by the client himself – he can connect options for free, allowing you to withdraw and replenish the deposit, choose the method of calculating interest. The Bank has been providing services to people and organizations for more than 30 years. The minimum amount of this deposit is 10,000 rubles, the highest interest rate here does not exceed 4.58% per annum. Open an account for at least 3 months.
In general, such a deposit is perfect for people who need to deposit a significant amount of money at a normal interest rate and not worry about their maintenance and safety. The maximum deposit amount is 30 million rubles. The client also chooses the term of the deposit himself – from 3 months to 3 years. Interest can be accrued at the end of the term or monthly – this is also chosen by the depositor. If you make a small amount, then the percentage will be 3.56 per annum. You can open a deposit through the application.
- You can deposit a fairly large amount;
- It is not necessary to visit a branch to open a deposit;
- Many conditions of the deposit are chosen by the user;
- You can open in rubles or dollars.
- If the user chooses withdrawal and replenishment options, then the maximum duration of such a deposit does not exceed 1 year;
- The minimum percentage is 3.56% – if a small amount is deposited.
6. Tinkoff Bank
There is only one deposit here, so it does not have its own name. With it, you can easily manage your finances. There is a simple and intuitive application for this. This bank is one of the youngest in the domestic market – it was founded in 2006. Clients deservedly call it one of the best financial institutions in our country. The minimum deposit amount is 50 thousand rubles, the maximum can be 30 million rubles for a period of 3 to 24 months. The larger the amount and the chosen term, the higher the interest rate will be, so it ranges from 3.55–5.24%.
If the user opens a deposit through the application, then in the deposit calculator you need to remember to check the box next to “Increase the rate on the deposit”, this can be done later, but no later than 30 days after opening the deposit. The user has the opportunity to log the deposit, close it, withdraw interest on the card. There is always a multi-currency deposit service that allows you to store funds not only in rubles, but also in foreign currency.
- A huge number of flexible conditions;
- Multicurrency deposit;
- The client becomes the owner of a debit card;
- It is easy to use your personal account.
- You can replenish the deposit only within the first month from the moment of its opening.
5. Bank Zenith “Cumulative plus”
Suitable for people with limited funds. The minimum deposit amount is only 1,000 rubles, if you wish, you can replenish and withdraw funds, and the interest rate is 5.5%. Although this bank is not widely known, it has existed since the distant 1994, is very reliable, and the interest is quite high. In order to receive them, it is absolutely not necessary to be a client of this financial institution.
It is more convenient to use a savings account – the yield on it is 5.5%, on the deposit it does not exceed 5.25%. Savings account can be opened for an unlimited period, you can deposit and withdraw funds at any convenient time. Interest is accrued on the balance and capitalized.
- Decent interest rate;
- The term of the deposit is unlimited;
- You can open an account in your personal account;
- Everyone can take advantage of the offer.
- There is no feature to pay interest at the end of the term.
4. Gazprombank “Your success”
Another bank that has been on the market for over 30 years. The deposit itself is quite profitable, it can be opened in one of three ways – make a personal visit to a banking organization, use a mobile application, or leave a request in your personal account on the official website of the company. The amount deposited into the account can vary from 50 thousand to 3 million rubles. You can keep money in the bank for a year, two or three. The maximum rate reaches 6%, taking into account capitalization. It is provided to the client only in one case – if he opens a deposit for 3 years, when opening for one year, the rate will be 4.7%, for two – 4.86%.
Interest is paid monthly – this is very convenient, as the client will be able to track the state of his funds. The application is convenient, it is very easy to understand it. Technical support, if necessary, will help resolve all emerging issues.
- When opening a deposit for the longest period, the most favorable conditions are offered;
- Interest is capitalized;
- Easy to open a deposit;
- Technical support is competent.
- Replenishment and withdrawal of funds will not work;
- Not all clients manage to provide the maximum percentage.
3. Sovcombank “Winter’s Tale with Halva”
This bank has a very original approach – in order to get an increased interest rate, you will have to use an installment card. The bank has been counting its history since 1990, its programs have always been distinguished by favorable interest rates and additional offers. New customers are offered an interest rate ranging from 4.8 to 5.2%. You will have to put at least 50 thousand rubles into the account at a time. Terms are flexible – from two months to three years. The higher the term, the higher the rate.
Interest is credited to a separate account, to which an installment card is attached. In order to maintain the maximum interest rate on the deposit, it is necessary to use the installment product at least five times a month – during this time it is necessary to spend at least 10 thousand rubles, debt delinquencies must not be allowed, otherwise this will also lead to a decrease in interest. You can replenish your account with an amount not exceeding the initial amount.
- Flexible terms of deposits;
- Interest is credited to a separate account;
- You can replenish the deposit.
- Partial withdrawal of funds will not work;
- Limited amount by which you can replenish your account;
- Without using an installment card, you will not be able to receive the maximum percentage.
2. VTB Perspektiva
One of the largest banks in the Russian sector, it has been on the market since 1990. A deposit can be opened online, while a paper contract is then received at any branch. It is quite simple, especially since if you have any questions, you can contact technical support, which promptly resolves any questions and problems. From 50,000 rubles are put on the deposit, the term is from six months to a year, capitalization of interest occurs monthly.
The maximum interest rate – 6.25% – is received by holders of a multi-card, where the “Savings” option is connected, however, it will be necessary to spend at least 10,000 rubles from this card monthly. If you use the card, then the yield can increase by another 1%.
- A very high percentage;
- The duration of the contribution is negligible;
- Capitalization of interest is carried out monthly;
- Competent technical support service.
- Replenishment and withdrawal of funds will not work;
- The maximum interest rate for clients without a Multicard does not exceed 5.25%.
1. OTP Bank “Growing Interest”
A reliable and stable partner that is able to provide its customers with very favorable interest rates. The deposit is opened for six months, the interest is original – in the first three months 3% is given, the fourth and fifth months – 4%, in the last – 7%. The minimum amount is 10,000 rubles, the maximum can be deposited into the account 3 million rubles.
Replenishment or withdrawal of funds is not provided. Interest is calculated at the end of the term. Such a deposit is perfect for people who want to place their money for a short period of time. You can open a deposit only at a bank branch.
- The interest rate increases closer to the end of the deposit;
- Small initial amount
- The contribution is calculated for a short time period;
- High level of service.
- Interest is calculated at the end of the term;
- There is no way to withdraw funds or replenish the account.
In conclusion, a useful video
The rating of the most profitable deposits for individuals is almost completed. We have tried to tell our readers about these financial products in as much detail as possible. If you have already used these contributions, then share your experience with other readers so that they can form an opinion about them and decide if such products are suitable for them or if they should look for something else.