Deposits of individuals in dollars. Deposits in dollars at a high interest rate. Moscow credit bank

What to do today with savings if you did not have time to put money in the bank at interest before the crisis began? Experts say that the dollar and the euro will continue to grow, and in the foreseeable future we are definitely not talking about an increase in the value of the ruble against the American and European currencies.

Thus, it is reasonable to think about opening a foreign currency deposit today. And in order not to risk too much, it is better to open a profitable deposit for a short time. In this article, we will talk about where to open the most profitable deposit in US dollars.

How to protect your savings from inflation

To advise whom to entrust your savings, we analyzed the situation on the bank deposit market. We invite you to familiarize yourself with the table compiled by us on the basis of the published proposals of banks for 2017:

Name of the bank Programs	Interest rate	Min amount	Term
Prime Finance Rentier deposit	Up to 2.7%	500 $	From 181 days
Tempbank Deposit "Currency"	Up to 2.5%	2 000 $	From 181 days
Russian International Bank Deposit "Classic"	Up to 2.3%	5 000 $	From 31 days
Yar Bank Deposit "Ideal"	Up to 2.4%	25 000 $	367 days
Energotransbank Deposit "Income"	Up to 2.3%	1 000 $	From 31 days
Promsvyazbank Deposit "Financial Protection"	3,75%	15 000 $	367 days
UniCredit Bank Deposit "For life"	Until 3%	1 500 $	From 735 days
Bank "Saint-Petersburg" Deposit "Deposit"	Up to 2.7%	500 $	From 181 days
Svyaz-Bank Elite Collection Deposit	Up to 2.65%	100 000 $	From 182 days
Credit Europe Bank Deposit "Term"	Up to 2.5%	100 $	From 31 days

Please note that a profitable deposit in dollars can be opened in little-known commercial banks, which, according to depositors, involves a certain risk.

However, we recall that the deposits of citizens are insured by the state and the system, as experience shows, works without failures. To protect yourself from unforeseen events, such as revoking a license from a bank, you can find out in advance whether it is worth trusting money to a credit institution.

To do this, we advise you to go to the portal of the Central Bank of the Russian Federation. The regulator does not make a secret of its plans and publishes a list of banks that have questions. You can find out in more detail how the bank works with its customers by visiting any of the many Internet resources dedicated to financial topics.

The banki.ru portal is considered the most popular, here you will find not only background information about all Russian banks, but also customer reviews.

Yield and benefit

Now a few words about the deposit itself. Profitable investment is not only high interest. Of course, the profitability is determined by the accrued interest, however, if you pay attention only to them, you can end up with a real loss instead of profit.

For example, if for some reason you want to terminate the contract that you entered into with the bank for a long time ahead of schedule. High interest in this case is just the fee that the bank offers you for forgetting about your savings for a couple of years. As a result, a fine, deduction of previously accrued interest and the loss of all benefits.

Interest payments, capitalization and preferential terms in case of early termination of the contract are the possibilities that you should pay attention to. We also recommend opening a deposit in dollars for a short period of time so as not to become dependent on the unstable situation in the foreign exchange market.

Until recently, a deposit in dollars due to exchange losses was beneficial only to those who earned and spent currency, but today the situation has changed radically.

Deposits in foreign currency: how profitable is it today

It is known that competent investors are advised not to put their eggs in one basket - to keep money in different places. For example, open a deposit, buy shares or currency. But if it’s better for many not to get involved with stocks and bonds, since you can burn out badly, then opening deposits not only in rubles (see the table of interest rates for Sberbank’s ruble deposits), but also deposits in foreign currencies - dollars and euros - this is a good way to invest money.

Foreign currency deposits for Sberbank clients are a chance to earn on interest and exchange rate fluctuations in 2019.

You need to know that deposits in foreign currency in Sberbank are insured by the state, but payments, in the event of a license revocation, are made in rubles. Although, of course, Sberbank customers need not worry. The reliability of the bank is beyond doubt.

Foreign currency deposits at Sberbank: interest rates in 2019

Deposits in foreign currency in Sberbank of Russia can be opened in dollars, and a Savings Account is issued in euros.

Currency deposits of Sberbank in dollars

To make a foreign currency deposit at Sberbank of Russia, it is enough to have 100 dollars. But some deposits have a minimum deposit amount of $1,000. The maximum rate in US dollars can be obtained by opening a non-replenishable deposit without partial withdrawal via the Internet.

Currency deposits of Sberbank in euro

Deposits of the Savings Bank of Russia in euros are now temporarily not accepted. Clients wishing to place Eurocurrency in the bank are offered to use the Savings Account at the rate of 0.01 percent per annum.

Sberbank deposits in foreign currency 2019: conditions for basic deposits

The line of basic deposits of Sberbank in foreign currency includes three main types of deposits:

With the maximum rate

refillable,

With the possibility of partial withdrawal of money without loss of interest.

Deposits are opened both in the branch and remotely.

Sberbank deposits in "Save" and "Save Online" currencies

☑ Non-refillable

☑ Without partial removal.

Interest rate

without capitalization
with capitalization

Term and amount	1-2 m.	2-3 m.	3-6 m.	6-12 m.	1-2 g	2-3 g	3 g
					0.65 / 0.65
					0.75 / 0.75
					0.80 / 0.80
					0.85 / 0.85

Currency deposits of Sberbank "Replenish" and "Replenish Online"

☑ Refillable

☑ Without partial removal

Minimum deposit amount: 100 USD.

Interest rate

without capitalization
with capitalization

when applying at the branch and online, the rates are the same today:

Term / amount	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.30 / 0.30
			0.40 / 0.40
			0.45 / 0.45
			0.50 / 0.50

Deposits of Sberbank of Russia "Manage" and "Manage Online" in foreign currency

☑ Refillable

☑ With partial removal

Term: from 3 months to 3 years inclusive;

Minimum deposit amount: $1,000.

Interest rate

without capitalization
with capitalization

when applying at the branch and online, the rates are the same today:

Term and minimum balance	3-6 m.	6-12 m.	1-2 years	2-3 years	3 y.
			0.20 / 0.20
			0.25 / 0.25
			0.30 / 0.30

Sberbank Premier currency deposits: favorable rates 2019

Sberbank foreign currency deposits with higher interest rates can now be opened by customers with the current Sberbank Premier / Sberbank First service package. They are issued by a personal manager or in Sberbank Online. The line of deposits in Sberbank Premier currency is similar to the base one, only the minimum deposit amount and interest rates are higher.

Sberbank's deposit in the "Special Keep" currency

Deposit to receive a guaranteed maximum income. Available for registration only for individuals with the Sberbank Premier/Sberbank First service package.

Terms

• Term: from 1 month to 3 years inclusive;
• Replenishment: not provided;

Interest rates

up to 1.15% in USD.

Currency deposit of Sberbank "Special Replenish"

A replenishable deposit for those who prefer to save and save their funds regularly. Available for registration only for customers with the Sberbank Premier/Sberbank First service package.

Terms

• Term: from 3 months to 3 years inclusive;
• Minimum amount: $50,000;
• Replenishment: provided;
• Partial withdrawal without loss of interest: not provided.

Interest rates

up to 0.75% in USD.

Sberbank deposit in "Special Manage" currency

A deposit with the possibility of replenishing and withdrawing part of the funds without losing interest. Available for opening only by individuals with the Sberbank Premier/Sberbank First service package.

Terms

• Term: from 3 months to 3 years inclusive;
• Minimum amount: $50,000;
• Replenishment: provided;
• Partial withdrawal without loss of interest: provided.

Interest rates

up to 0.55% in USD.

Conditions for calculating interest on deposits of Sberbank in foreign currency

Interest is calculated monthly.

Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Accrued interest can be withdrawn, as well as transferred to the card account.

Conditions for early termination of foreign currency deposits of Sberbank

in any unforeseen situation, if you need money before the end of the deposit, you can always get it.

For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum

For deposits for more than 6 months:

When claiming a deposit within the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;

When claiming a deposit after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by the Bank for this type of deposits on the date of opening (prolongation) of the deposit.

In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.

How to make foreign currency deposits in Sberbank

• - Contact the branch of Sberbank in your region with a passport or other identification document.
• - Sign the deposit agreement.
• - Deposit the amount in US dollars to your account.
• - The deposit is open.

How to make a deposit online in foreign currency

• - Log in to Sberbank Online and select the "Deposits and Accounts" section.
• - Select the menu item "Opening a deposit".
• - Read the conditions for placing funds and select the appropriate deposit. Click Continue.
• - Fill out the application: select the debit account, the amount to be credited and the term of the deposit. Click "Open".
• - The deposit is open.

How to make foreign currency deposits Sberbank Premier

Due to the difficult economic situation that has developed in the country over the past decade and led to sharp fluctuations in exchange rates, for many people, deposits in dollars in Moscow remain more preferable than a similar banking product, but in Russian rubles.

What are the conditions for making dollar deposits in Moscow?

All banks, without exception, currently adhere to the position that interest on deposits in dollars is kept at a very low level, in the region of one or two percent. This is due to the fact that deposits in Moscow banks in dollars bring their holder a profit not only in the form of interest, but also due to changes in exchange rates. In recent years, there has been a steady increase in foreign exchange rates, including the dollar, against the national currency. Therefore, keeping your savings in foreign currency allows you to save them from depreciation. That is why dollar deposits in Moscow remain a popular service, even at very low interest rates.

The term for making a deposit in Moscow may vary: it ranges from one month to several years. When choosing the right option, it is important to pay attention to additional conditions that affect the final return on the deposit, namely:

• the presence of a commission;
• the possibility of replenishment of the deposit;
• the right to partial withdrawal of funds;
• granting benefits to certain categories of citizens.

In which bank of Moscow to open a deposit in dollars?

Despite the general low level of interest rates, the choice of a bank where it is planned to open a deposit in dollars in Moscow should be approached with the utmost care. This is due to the fact that, firstly, even a small difference in interest with a significant amount of the deposit leads to significant financial losses. Secondly, the role is also played by additional conditions on which the deposit is opened (including such as the presence of a commission, restrictions, capitalization of interest, and so on).

Fortunately, the online deposit calculator in Moscow allows you to quickly find the right option in one place. To do this, it is optimal to use our portal, which is the most convenient resource for those who are interested in profitable deposits in dollars in Moscow. The advantages of visiting our website when looking for a suitable offer are obvious:

• it is possible to set the amount and term of the deposit, on the basis of which the automatic calculation of profitability is made;
• the presence of filters that allow you to select only those offers that meet the specified conditions;
• data in the table can be sorted by any criterion;
• offers are grouped, including by banks;
• sending an online application for registration of a deposit is available.

Content

For each person it is important not only to save, but also to increase their savings. Financial institutions offer Russians various deposit programs. Before choosing an option for a profitable investment, it is worth considering the available deposits in Moscow banks at the maximum percentage with different conditions, rates, terms of placement of funds and available operations. All deposits differ in currency, the presence or absence of capitalization, the method of paying interest and other parameters.

Profitable deposits in Moscow banks

There are more than 50 different financial institutions in the Russian capital offering various types of deposits to the public, so it is difficult to choose the best option for yourself. To put money at the maximum percentage, you need to determine the important parameters of the future account:

• currency;
• the possibility of replenishment;
• the possibility of making expenditure transactions;
• the reliability of the financial institution.

In addition, the most profitable deposits in Moscow should be chosen according to the conditions. For those who would like to quickly accumulate a significant amount, banks develop time deposits for 2, 3 and 6 months. Another investment option is partnership programs with insurance companies. In this case, the client draws up a life and health insurance policy and receives attractive deposit conditions. Russians can open deposits in Moscow at a high percentage in banks that service their salary cards. Issuers are constantly preparing special programs with increased rates for their clients.

Profitable deposits in rubles

It should be noted that the rate for ruble deposits is much higher than for foreign exchange programs. If the client plans to spend money in Russia in the future, then it would be inappropriate to choose dollars or euros for investments. Financial institutions of the capital offer a wide range of deposits for individuals. Before placing your money on the account, you should not only read the conditions, but also check the bank's reliability rating. Sometimes high interest rates on deposits are offered by unreliable financial institutions in order to raise capital.

When choosing an organization for storing and increasing savings, it should be borne in mind that ruble deposits in Moscow banks with rates of more than 11-12% per annum, as a rule, are just a publicity stunt and should arouse certain suspicions. Large financial institutions, such as VTB 24, Sberbank of Russia, Alfa Bank, offer rates on ruble accounts of no more than 8.5%.

Specify profitable deposits in Moscow for today in the table:

Name of the bank	Program
"Moscow City"	"Cumulative"	Rate up to 9.25%, monthly capitalization, additional contributions are available.
"Premier Credit Bank"	"Beneficial cooperation"	Rate up to 9.5%, replenishable.
JSCB "Peresvet"	"Rational"	Up to 9.3% per annum, replenishment.
	"Investment"	The rate is up to 9.25% per annum, without credit and debit transactions.
"Oriental"	"Oriental"	Up to 8.45% per annum, without the possibility of replenishment and partial withdrawal.
"TransCapital Bank"	"Spring hit"	Up to 8.95% per annum, capitalization, replenishment.

Deposits in foreign currency at a high interest

Modern financial institutions offer a wide range of services and products. Deposit programs provide for the opening of not only ruble accounts, but also currency ones. This investment option is especially relevant for those who plan to spend their money abroad, avoiding unfavorable conversion. Foreign currency deposits at a high percentage are offered by many financial institutions in Moscow. However, the rate for such programs is much lower than for ruble deposits. The table below shows the most attractive offers for residents of the capital:

Maximum deposits in Moscow banks (currency - US dollar)
Name of the bank	Program
"UniCredit Bank"	"For life"	The rate is 2-3%, monthly capitalization, without replenishment, debit transactions.
Promsvyazbank	"tradition of success"	Rate up to 1.05-2%, replenished, with capitalization of interest.
	"Gold standard"	Up to 1.5-2.5% per annum, replenishment, capitalization.
High deposits in Moscow banks (currency - €)
Name of the bank	Program
"Megapolis"	"Urgent"	The rate is 0.55-1.8%, no additional fees, partial withdrawal.
"Prime Finance"	"Classic"	The rate is 0.4-1.6%, without replenishment, partial withdrawal.
	"Your savings"	Rate: 0.5-1.8% per annum, replenishment, monthly capitalization.

Pension contributions

Most credit institutions offer special conditions for deposits to pensioners. For this category of the population, maximum interest rates and preferential options for early account closure are available. A pension deposit with a high percentage is opened only if there is an appropriate certificate and passport. If the client receives a pension through a financial institution, then you can invest money through the issuer's remote service system.

Before making a final decision, compare the best offers of Moscow banks for this category of citizens. See the table for specific deposits in Moscow banks at the maximum interest rate for pensioners:

The best deposits in Moscow banks

Each potential investor is primarily interested in the profitability of the deposit. All investments up to 1.4 million rubles are protected by the state. However, the best interest on deposits in Moscow banks can be found among the offers of far from the most reliable financial institutions, subsidiaries or franchises, which have recently opened and for a short time. Rules:

• Before you start drawing up an agreement with an issuer, you should make sure that it is in the top 10, 20 or 50 of the best.
• Placing funds at a higher percentage guarantees a decent income, and cooperation with a reliable issuer - peace of mind.

Up to a year

For those who plan to get the maximum income in a short time, there are term deposits. Such products are designed for 3-6 months, after which the depositor receives his money along with accruals. Deposits for 6 months at the maximum percentage are especially convenient when you need to save up for a vacation, purchase of a car or repairs, because they allow you to save and increase your savings.

See the table for offers for a period of 6 months:

Bank deposits for a year

Most financial institutions are ready to offer maximum interest on bank deposits, subject to long-term placement of funds in accounts. Offers for 12-36 months offer high returns and great opportunities. When choosing the best option, you can make a comparison by:

• conditions;
• minimum amounts;
• availability of capitalization and other parameters.

Residents of the capital can open a deposit for 1 year using one of the offers from the table below:

Reliable deposits in Moscow banks

All metropolitan banks have their own line of deposits. When considering various offers, some clients pay more attention not to possible income, but to the rating of the issuer's company. You can choose a reliable bank with high interest rates on deposits from the list below. All organizations are included in the official top 10, have an impeccable reputation, and a high rating.

Offers from the most reliable banks in Moscow:

• Profitable online from VTB 24 provides for an income of up to 7.55% per annum. The account is opened for a period of 3 months to 5 years, subject to placement of at least 100 thousand rubles.
• "Classic" from Rosselkhozbank. The product is designed for different categories of customers, so you can open an account in any currency for a period of 1 month to 7 years. The client must deposit at least 3 thousand rubles into the account. The yield under the program reaches 8.2% per annum.
• "Perspective" from Gazprombank. To open a deposit, the client needs to deposit an amount of at least 15 thousand rubles into the account. Domestic or foreign opening currency is available. The rate is calculated individually, up to 8%. The term of the deposit is up to 3 years.
• "Memory of generations" from Sberbank. This product is designed specifically for the Victory Day. Clients can simultaneously increase their savings and help war veterans. The rate is calculated individually, the maximum available income under the program is 7% per annum. To open a deposit, you need to deposit at least 10 thousand rubles on it.

Rating of deposits in Moscow banks for today

Those who believe that savings should provide additional profit should consider the current offers of financial institutions. Maximum rates can be obtained within the framework of current promotions, seasonal offers. The rating of deposits in Moscow banks is formed on the basis of customer feedback and conditions offered by issuers. Although it is difficult to combine reliability and maximum profitability, it is important not to neglect the reputation of issuers. Below are the popular offers of Moscow banks with a detailed description of the parameters.

Asia-Pacific Bank - "Investment" deposit

One of the most attractive offers is the ATB product. The deposit options are as follows:

1. The offer is available to customers who have issued an ILI policy with a bank partner.
2. The term for placing funds on the account is 6 or 12 months.
3. The amount is not less than 167 thousand rubles.
4. Currency - national.
5. The maximum rate is 10.5%.
6. There are no outgoing or incoming transactions.
7. In case of early withdrawal of funds from the account, all accruals are canceled automatically.

Inkarobank - deposit "High Interest"

This offer will be an excellent option for those who plan to accumulate a decent amount over time and increase it. The deposit options are as follows:

1. The account is opened in domestic or foreign currency - to choose from.
2. The initial payment must be at least 200 thousand rubles.
3. Additionally, you can deposit funds with restrictions (at least 20 thousand rubles).
4. Interest is paid every month to a separate client account.
5. Deposit term: 1-12 months.
6. Debit transactions on the account are not available.
7. In case of early cash withdrawal by the client, the issuer recalculates accruals at the minimum rate.

Krosna-Bank - term deposit

This offer for residents of Moscow differs in that the bank's interest grows along with the amount in the account, so the client can receive a maximum income of up to 9.33%. The conditions are as follows:

1. The minimum amount to open an account is 30 thousand rubles.
2. Placement term: 6-18 months.
3. Accruals are paid to the client quarterly.
4. Interest capitalization available.
5. Replenishment without restrictions, no later than 3 months before the end of the deposit term.
6. Rate: 8.26-9.33%.

Bank Krylovsky - deposit "Suitable"

This offer is no longer relevant for residents of Moscow. However, those who previously opened a deposit continue to receive income on the following conditions:

1. Amount: from 50 thousand rubles.
2. Term of placement of funds: 91-540 days.
3. Replenishment from 30 thousand rubles is available.
4. Interest capitalization is provided.
5. In case of early closing of the account, interest is recalculated only for the current quarter.

Bank Standard-Credit - "Term" deposit

For those who are looking for maximum income that grows with the amount placed on the account, the offer from the Standard Credit Bank will be very tempting. Credit transactions are available on the account, regular capitalization of interest and progressive accrual are provided. The main parameters of the product are shown below:

1. Term: 1-12 months.
2. Amount: not less than 100 thousand rubles.
3. Replenishment is available with restrictions (from 20 thousand rubles).
4. Monthly payment of interest to a separate account is available.
5. The interest rate is constantly growing, the maximum income is 9.93% per annum.
6. In case of early account closure, interest is recalculated at the minimum rate.

Bank Modern business standards - "Urgent replenishment"

For those who are planning to save a substantial amount, this product will be an excellent solution. The deposit provides for incoming transactions, an increasing rate, the maximum amount of which is 8.5% per annum and the payment of accruals after the account is closed. Below are the main conditions for residents of Moscow:

1. Term: 1-2 years.
2. Currency: domestic, foreign.
3. Amount to open an account: at least 15 thousand rubles.
4. The interest rate depends on the chosen currency: 8.25-8.5% (rubles) / 1.45-1.6% (dollars) / 0.55-0.60% (euros).
5. In case of early closing of the account, income is recalculated at the minimum rate.

Inbank - Constructor deposit with interest paid at the end of the term

This offer is suitable for those residents of Moscow who want to constantly make a profit from their savings. Interest is paid every month to a separate account of the owner. The main parameters of the program are as follows:

1. The minimum amount to open an account is 700 thousand rubles.
2. Deposit term: 1-36 months.
3. Incoming/outgoing transactions are not provided.
4. Rate: 7.55-9.38%.
5. In case of early closing of the account, the income is recalculated at the minimum rate of 0.1%.

Bank Round – “Classic” deposit

This offer will suit different categories of citizens. The account is opened when placing a small amount and can bring income up to 8.3% per annum to its owner. The advantage of the product is attractive rates on foreign currency accounts. The conditions for the "Classic" deposit are as follows:

1. Currency: national, foreign (euro, dollars).
2. The first installment is at least 1100 rubles (or equivalent).
3. Deposit term: from 1 to 36 months.
4. Additional contributions, capitalization of interest are not provided for by the program.
5. Early withdrawal is not available without loss of accruals.
6. Maximum interest: 8.3% (rubles), 5% (euros) or 5.5% (dollars).

Bank Our home - deposit "Profitable"

This offer is universal for different categories of customers. The client can choose the appropriate currency, term and other parameters, taking into account his own preferences. For foreign currency accounts, the deposit does not provide for high incomes, but the ruble deposit brings the owner the maximum accrual of up to 9.5% per annum. The program conditions are as follows:

1. Term: 1-36 months.
2. Currency: rubles, dollars, euros.
3. The minimum deposit for opening an account is 100 thousand rubles.
4. Income: 7-9.5% per annum.
5. Interest is paid after the account is closed.

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Yes, these deposits are insured. Article 5 of Federal Law No. 177-FZ of December 23, 2003 has a list of funds to which the state insurance system does not apply. There are no deposits in foreign currency. Also, a direct indication of the application of the insurance in question to funds in US dollars, euros, etc. is in part 6 of article 11 of the above Federal Law.

Therefore, when revoking a license from a bank or applying a moratorium on satisfying the requirements of its creditors, if it has a foreign currency deposit, you can safely apply for compensation. All necessary actions will be identical, as in the case of investing Russian rubles in a commercial structure.

What amount is insured by the state on foreign currency deposits?

The sum insured for deposits opened in foreign currency is identical to that applied to products placed in Russian rubles. That is, it corresponds to 1.4 million rubles. Compensation reimbursement is also carried out in national currency.

The calculation is performed at the rate of the Central Bank of the Russian Federation, at the time of the insured event. That is, established on the day of revocation of the license from the bank or the application of a moratorium on satisfying the claims of creditors.

All of the above conditions are prescribed by law in Part 6 of Article 11 of Federal Law No. 177-FZ dated December 23, 2003 “On insurance of deposits of individuals in banks of the Russian Federation”.

Why do banks set such a low interest rate on deposits in foreign currency?

The interest rate on all deposits, both in rubles and in foreign currency, is based on different parameters. One of them is inflation risks. That is, the loss of the real value of funds during their stay in the bank. For foreign currencies, this indicator is minimal. Accordingly, credit institutions set minimum interest rates on deposits in US dollars, euros, pounds, etc.