The profitability that the depositor will receive depends on the interest on the bank deposit. Their size depends on the chosen bank and a number of factors - currency, amount, terms and type of deposit.
It is necessary
Description of bank deposit programs
Instructions
Step 1
Interest rates on ruble deposits today are an order of magnitude higher than on foreign currency. According to the Central Bank of the Russian Federation, the average rate on deposits for individuals in May 2014 was 7.85% for terms from one to three years). For dollar deposits with similar conditions, it is equal to 2.94%, for deposits in euros - 2.81%. Thus, the difference in interest rates exceeds 5% in favor of ruble deposits.
Step 2
Also, interest rates vary significantly for demand deposits and time deposits. In the first case, the money can be withdrawn at any convenient time, while the interest on them is minimal. In May 2014, they were 1.1% per year. On term deposits, interest depends on the term of money placement. The longer it is, the more profitability is provided. For deposits up to 30 days, the average rate is 5.48%, up to 180 days - 5.79%, up to a year - 6.06%.
Step 3
The interest that can be received on bank deposits also depends on the operations that can be carried out with funds. The highest percentages are established for savings deposits, for which partial withdrawal and replenishment of the account is prohibited. For example, on the Profitable deposit from Gazstroybank the annual percentage is 9.9%, on the Vostochny deposit from the East Express Bank - 9.45%, under the Basic Income program from Otkritie Bank the rate is 9.02%. In the largest Russian banks, the rate on such deposits is lower - 8, 9% in Alfa-Bank on the Pobeda deposit, from 8, 45% in Rosselkhozbank, from 5, 9% in Sberbank.
Step 4
Savings deposits are distinguished by lower rates, which make it possible to deposit money into the account during the period of the deposit. So, on the "Premier" deposit from Alfa-Bank the rate is 7.8%, on the "Special" deposit from VTB 24 - 6.7%, on the "Replenish" deposit from Sberbank - from 5.6%.
Step 5
Settlement deposits are distinguished by even lower rates. Among them, there are expendable-replenished and expendable. You can withdraw money only within the minimum balance. On the "Potential" deposit from Alfa-Bank the rate is 6, 8%, on the "Active" deposit from VTB24 - 6, 2%, "Manage" from Sberbank of Russia - 5%.
Step 6
As a rule, banks offer better interest rates for deposits opened online. So, Sberbank adds 0.5 p.p. to them. to the base interest rate, Rosselkhozbank - 0.2 pp. Higher rates are also offered for large deposits. For example, in Alfa-Bank, the difference between deposits up to 250 thousand rubles. and over 3 million rubles. is 0.4%, in Sberbank between deposits up to 100 thousand rubles. and over 2 million rubles. - 0.6 p.p.
