Vpb deposits. Deposits in St. Petersburg banks - comparison of interest

A bank deposit at a favorable interest rate reduces the risk that inflation will "eat" your finances. Also, some of the deposit programs make it possible to collect the accrued interest on a monthly basis - which becomes a nice bonus to the salary.

Today, branches of many Russian banks are opened in St. Petersburg. We have collected the most profitable deposit programs. Below are the highest percentages, as well as descriptions of bonuses and additional services.

"Maximum income with Halva" (Sovcombank)

Terms:

• currency - rubles;
• terms and interest - 31-90 days (7.6%); 91-180 days (8%); 181-270 days (7.6%); 271-365 days (7.6%).

Only holders of the Halva installment card can use this deposit. For those who do not have it, the "Maximum Income" program operates with the same conditions, however, the maximum percentage for any deposit term will be 7%, and bonus offers are excluded. Therefore, in order to be more effective, we advise you to get the specified card.

The accumulated money is paid to the Halva card upon expiration of the contract. Interest capitalization is not provided. It is possible to replenish the account, however, the total amount of all replenishments cannot exceed the amount that you deposited in the first 10 days after the conclusion of the agreement with the bank. Also, the amount of replenishment must be more than 1,000 rubles. Partial withdrawal of money during the term of the contract is not allowed.

The bank provides customers special conditions, at which the final deposit interest can be increased to 8.2%. To do this, you need to make monthly purchases in the network of bank partners for at least 5,000 rubles. If the agreement is terminated early, interest is paid in the amount accumulated over the period of the deposit.

You must open a deposit in person at the bank office. There are 41 offices in St. Petersburg. If the deposit is not closed on time, its validity is automatically extended for the next time period.

"150 Years of Reliability" (Rosbank)

Terms:

• currency - rubles, US dollars;
• the minimum amount is 15,000 rubles, $500;
• terms and interest:
  • from 15 000 rub. — 3 months (5.4%); 6 months (5.7%); 9, 12, 18, 24, 36 months (5.5%);
  • from 500 000 rub. — 7 months (6.8%);
  • from 500 $— 6 months (0.8%); 9 months (one%); 12 months (1.2%); 18 months (1.6%); 24 months (1.8%); 36 months (2.1%).

Open a deposit on the most favorable (6.8%) terms can only be clients who do not have and did not have bank accounts in the last 2 months before the date of application. Interest is paid at the end of the term to a bank account opened specifically for the deposit. Interest cannot be capitalized. Partial withdrawals are also not possible.

If you terminate the agreement ahead of schedule, the bank will pay all the interest accrued at the rate. The contract is extended automatically in case of a delay in closing the deposit. It is possible to open a deposit both in the office and using the Internet banking service. There are 17 branches of Rosbank in St. Petersburg.

"Profitable Online" (Rosselkhozbank)

Terms:

• currency - rubles;
• terms and interest - 31 days (6.05%); 91 days (6.1%); 180 days (6.15%); 270 days (6.2%); 395, 455 days (6.35%); 540, 730, 910, 1095, 1460 days (6.7%).

It is possible to open this deposit only using an ATM, terminal or using Internet banking. Interest is paid at the end of the contract. Capitalization of interest, replenishment or partial withdrawal of money is not provided.

In case of early termination, interest is paid at the rate, no penalty is charged. It is not possible to increase the rate during the term of the contract. It is automatically possible to renew the deposit only a fixed number of times. If the contract is executed for 31 days, it can be extended a maximum of 11 times; for 91 days - 3 times; for other periods - 2 times. In this bank you can also take. There are 21 ATMs of Rosselkhozbank in St. Petersburg.

"Spring Mood" (Russia)

Terms:

• currency - rubles;
• the minimum amount is 3,000 rubles;
• terms and interest:
  • from 3 000 rub. - 31 days (3.1%); 91 days (6%); 181, 271, 367 days (5.75%);
  • from 100 000 rub. - 31 days (4.1%); 91 days (6.7%); 181, 271, 367 days (6.45%);
  • from 1,000,000 rubles. - 31 days (4.5%); 91 days (6.7%); 181, 271, 367 days (6.5%);
  • from 10,000,000 rubles.- 31 days (4.6%); 91 days (6.7%); 181, 271, 367 days (6.55%).

Interest at the end of the term is calculated on a card specially issued for the client. For depositors up to 1,500,000 rubles, a Golden MIR card is issued, if the deposit amount is higher, you will receive a Premium MIR.

Capitalization and partial withdrawal of funds are not provided. It is possible to replenish the deposit account, but with restrictions - this service is available only to depositors for 181 or more days. Additional funds cannot be deposited 100 days before the final payment.

In case of early termination of the contract, interest is paid according to the current rate. The percentage can be increased if you deposit the required amount of funds. Auto-renewal service is not available. "Spring Mood" can be opened not only in the office, but also via the Internet. In total, there are 7 branches of Rossiya Bank in St. Petersburg.

"Doors are open" (Gazprombank)

Terms:

• currency - rubles;
• the minimum amount is 300,000 rubles;
• rate - 6.7% per annum;
• term - 91 days.

The deposit can be opened only by clients who previously did not have such deposits with Gazprombank. The program does not provide for capitalization, replenishment and partial withdrawal of money. In case of early termination, the client is calculated according to the rate. It is not possible to automatically renew the deposit. The contract can only be signed in person at a bank branch. There are 14 such departments in St. Petersburg.

"Growing income" (Promsvyazbank)

Terms:

• currency - rubles;
• the minimum amount is 50,000 rubles;
• rate - 6.62% per annum;
• term is 360 days.

The bank provides an opportunity to pay interest on a current account or on a card quarterly. There is capitalization at the request of the client: at the end of the quarter, you can keep interest on the account by automatically increasing the total amount on which interest will be accrued in the next quarter.

Partial withdrawals are not allowed. However, you can replenish the account with restrictions - for any amount within 3 months from the date of opening the deposit. In case of early termination, interest is paid in full for “full” closed quarters. You can automatically renew your deposit up to 3 times. The deposit can be opened not only at the bank's representative office, but also with the help of Internet banking. There are 24 branches of Promsvyazbank in St. Petersburg.

Profitable Online (VTB 24)

Terms:

• currency - rubles, US dollars, euros;
• the minimum amount is 30,000 rubles, 500 $, 500 €;
• terms and interest:
  • from 30 000 rub.- 91-180 days (6.6%); 181-394 days (6.15%); 395-545 days (6.1%); 546-731 days (5.9%); 732-1101 days (5.7%); 1102-1830 days (3.1%);
  • from 500 $- 91-180 days (0.4%); 181-394 days (1%); 395-545 days (1.5%); 546-731 days (1.65%); 732-1101, 1102-1830 days (1.7%);
  • from 500 €- 91-180, 181-394, 395-545, 546-731, 732-1101, 1102-1830 days (0.01%).

This deposit can only be opened via the Internet. Payments are made monthly either to the current account (with interest capitalization) or to the bank card account specified by the client. Replenishment and partial withdrawal are not provided. Early termination of deposits for a period of more than 181 days is made on the basis of 0.6% of the rate applicable to the deposit. You won't be able to increase your rate. Renewal occurs automatically no more than 2 times.

Automobile (Sovcombank)

Terms:

• currency - rubles;
• the minimum amount is 30,000 rubles;
• rate - up to 6.6% per annum;
• term is 365 days.

The deposit can be opened only by car owners who have provided the bank employees with a driver's license or vehicle title. For settlement, the client opens the Halva card, to which money is credited after the expiration of the contract. Capitalization and monthly payments are not provided. You can top up with a minimum of 1,000 rubles.

The service of partial withdrawal of money becomes available after six months of using the deposit. You can withdraw almost all the money - as a result, at least 1 ruble should remain on the account. Early termination occurs at a rate. You can also increase the rate to 7.6% from the 7th month if you buy a new car from Sovcombank partners and provide documents confirming the purchase to the bank branch. The deposit cannot be renewed automatically. It is also impossible to open it online.

"My income" (Promsvyazbank)

Terms:

• currency - rubles;
• the minimum amount is 100,000 rubles;
• terms and interest - 91 days (6.5%); 181, 367 days (6.6%).

The rate can be increased to 6.7% if you open a deposit not through a bank office, but using Internet banking. It is impossible to partially withdraw money, capitalization is not provided. Interest is paid in full at the end of the term. You can replenish the account with an unlimited amount during the first 15 days after the conclusion of the contract for 91 days and within the first 30 days if the contract is concluded for 181 or 367 days. In case of early termination after 90 days, the client is given half the rate. Auto-renewal is possible no more than 3 times.

Save Online (Sberbank)

Terms:

• currency - rubles;
• the minimum amount is 1,000 rubles;
• terms and interest:
  • from 1 000 rub. — 1-2 months. (3.8%); 2-3 months (3.95%); 3-6 months (four%); 6-12 months (4.15%); 1-2 years, 2-3 years, 3 years (4.05%);
  • from 100 000 rub. — 1-2 months. (3.95%); 2-3 months (4.1%); 3-6 months (4.15%); 6-12 months (4.3%); 1-2 years, 2-3 years, 3 years (4.2%);
  • from 400 000 rub. — 1-2 months. (4.1%); 2-3 months (4.25%); 3-6 months (4.3%); 6-12 months (4.35%); 1-2 years, 2-3 years, 3 years (4.64%).

Among all, this offer has the highest percentage. You can open a deposit only using the Sberbank Online system. Interest is paid at the end of each month either to the customer's card or to the deposit account. It is impossible to replenish the deposit and partially withdraw money.

What to look for when choosing a deposit?

Interest rates on long-term deposits are usually lower than on average-term deposits. This is due to the risk of inflation, due to which to pay the client high percent at the end of the term may be economically disadvantageous for the financial institution. After all, if the inflation rate falls, the bank will actually give more money than it received.

Most focus on inflation credit institutions. Therefore, before investing money at a certain percentage, check the current annual inflation rate. AT best case proposals will be based on the same percentage by which depositors' money will fall in price at the end of the year. At worst, the interest offered by the bank will be lower. The ideal banking offer is where the percentage of the deposit exceeds the inflation rate.

A high percentage does not always mean a big profit. Free money should be sought elsewhere, and banks are primarily focused on their own profits. Most often, such offers lure new customers, and the contracts themselves are seasonal. So check your contract for automatic renewals. Seasonal offers open for a short period, after which the contract is transferred to other conditions: much less favorable than the original ones. Also check whether the specified amount of interest is charged for the entire duration of the "holiday" agreement. Sometimes increased interest is charged only in the first month of the deposit.

If you are issued bank card, find out the cost of its maintenance. This money is withdrawn automatically and can sometimes “eat up” a significant amount of accrued interest. Before the final selection of the deposit Decide how much you need and need Additional services - for example, early withdrawal of part of the money from the account; preferential conditions for terminating the contract ahead of time; replenishment of the deposit; interest capitalization. Based on the critical parameters, select best offers, regardless of the presence or absence of those services that you do not plan to use.

Summing up

Depending on the purpose of the deposit, you can choose the bank that has the most optimal term and the highest interest rate. It should be remembered that deposits are opened not so much to make a profit, but to minimize the impact of inflation - which, in fact, is also a kind of profit. After all, when others lose the value of part of their finances, yours remain in the accounts in the same amount.

The most profitable offers are in the time period of 90-180 days. It is advisable to invest large amounts - from 100,000 rubles, so that the result is significant. Unfortunately, a small number of banks support foreign exchange transactions, among which the percentage of such deposits is also quite low. Therefore, the ruble remains the optimal currency for the deposit.

Every year the population is offered new and interesting investment instruments. However, most of them require special knowledge or appropriate education, otherwise a person will simply lose his money. If you want to get a guaranteed profit, then you should pay attention to deposits in St. Petersburg. This product is known to all of us - the consumer enters into an agreement, after which he takes back his savings, including income.

Deposits are divided into two types - urgent and demand deposits. In the first case, you sign a contract with an organization for a certain period of time (month, quarter, year, etc.), according to which it is obliged to return the funds on a specified date. Of course, you have the right to submit a request for a refund, however, a competent investor will calculate the amount convenient for investment in advance, since early withdrawal involves various penalties.

The second option is intended for those who care about the safety of savings, and income is in second or third place. Here you can claim funds at any time and receive them immediately, without any additional procedures. For this reason, the rate of this product is very low.

Main advantages

Below we will take a closer look at the advantages of the product.

1. Reliability. The state protects deposits individuals at the legislative level through the insurance program. In the event of liquidation or revocation of a license, you will be compensated for damages up to 1.4 million rubles per organization. Those consumers whose amount exceeds the established limit can simply divide it and place it in different banks.

2. Documentation. For registration, you only need to have a passport with you, and foreign citizens you must submit a temporary residence permit in the country. When opening an account in the name of another person (for example, a child), you will have to collect a special package of papers, the exact list of which is better to check with employees in advance.

3. Choice of accrual method. The client independently decides by what method the calculation and payment of the income part will take place - by regular payments, by capitalization or at the end of the contract.

To take advantage of all the advantages described, you have to study all the available offers and choose the one that suits your requirements. It would be useful to personally visit the office for a consultation with the manager. During the conversation, do not hesitate to ask - only having a complete understanding of the service, you can make the right decision.

Studying offers on the web

On the site site you will find products available on the market with a detailed description of the conditions and criteria for providing. It contains reliable information from financial institutions, which is checked and updated daily. We also provided the opportunity to fill out the questionnaire online for maximum comfort of our visitors. site - an independent analytical portal with a multi-million audience of users throughout Russia.

Contribution - or the so-called "deposit" - is cash, which the client places in the bank to protect and increase his capital.

The higher the interest rate of a bank deposit, the greater the potential income. Best Interest on deposits are often offered during periods of seasonal offers or other special promotions of banks.

Bank deposits for individuals differ in terms, currency and rate, there are also additional terms(the possibility of replenishment, partial withdrawal without loss of interest, monthly payment of interest to the card and others).

Both small and larger reliable banks of St. Petersburg in 2019 offer several additional opportunities for time deposits and deposits:

• partial withdrawal and replenishment of funds on a deposit account gives the client the opportunity to use the money without breaking the contract with the bank;
• capitalization is the monthly accrual of interest on the deposit account. That is, future interest is calculated not only on the amount of the initial deposit, but also on the interest already added;
• automatic prolongation - automatic extension of the contract if the depositor does not withdraw the deposit at the end of its validity period.

To make the best deposit in rubles or foreign currency, consider these three points.

Depending on the currency used, time deposits are divided into ruble, currency (deposits in euros, dollars, British pounds and other currencies), multicurrency (deposit funds are divided into parts and invested in several currencies). The best in terms of interest rate returns in the banks of St. Petersburg are offered in Russian rubles.

Investing money in foreign currency is one of the popular methods of preserving and increasing one's capital in the city of St. Petersburg, even in times of crisis. Although the rates on foreign currency deposits have decreased significantly due to the instability of the exchange rate, you can get income with an increase in the exchange rate against the ruble. So you can get the best income from the deposit in 2019.

Most Russian banks offer foreign currency deposits in dollars and euros. You can also place savings in British pounds sterling, Swiss francs, Chinese yuan and Japanese yen. You can compare currency quotes on our website in the "Currency rates" section. However, there are few offers of deposits at a good interest in these currencies, since the demand for them is low.

And yet, what kind of contribution should a pensioner, student or middle-aged person choose? Our form will help you to choose an offer with the best rate and conditions. With its help, you can search for offers on deposits with a high percentage of profitability from reliable banks, or focus on the most profitable offers.

To date, in St. Petersburg, the highest interest rate in rubles has a deposit At the top (share in the home equity of 30-99.9%) in the bank Gazprombank (JSC) - 9.50% per annum. Minimum amount deposit of 50,000 rubles with interest paid at the end of the deposit term. It can be called the best deposit in rubles.

Banks of St. Petersburg (SPB) and the Leningrad region in 2019 offer customers profitable deposits individuals at a high percentage and on convenient terms. You can choose a deposit with replenishment (see profitable replenishable deposits), partial withdrawal of funds, capitalization or monthly payment percent. But which bank to choose?

Investors, as a rule, pay attention to at least two parameters:

The size of the interest rate, which allows you to choose a deposit with the maximum income;

Reliability of the bank, which allows you not to worry about the safety of your savings even during a banking crisis.

The site agency specialists analyzed the offers of the largest banks in St. Petersburg, compiling a review of deposits in rubles with favorable interest rates.

Deposits in St. Petersburg at favorable interest rates 2019

Compare interest rates on deposits in the largest banks in St. Petersburg to choose the one that suits you best.

Rosselkhozbank

Deposit "Profitable"

Replenishment / Prolongation / Accrual of interest at the end of the term.

Credit Bank of Moscow

Deposit "Maximum income online"

Prolongation / Accrual of interest at the end of the term.

Bank "Saint-Petersburg"

Deposit "Strategist online"

Replenishment / Capitalization / Partial withdrawal / Interest accrual monthly.

VTB Bank

Profitable (online) deposit

Deposit "Maximum interest (online)"

Rollover / Capitalization / Preferential termination / Interest accrual at the end of the term or annually.

Bank FK Otkritie

Deposit "Basic Income - Online"

Prolongation / Capitalization / Interest accrual monthly.

Deposits for 1 year at a high interest rate in St. Petersburg

See also the interest rates of deposits in Post-Bank -

Profitable deposits for 6 months in St. Petersburg

Deposits for 3 months at the maximum interest

Calculator of deposits of individuals in St. Petersburg in 2018-2019

Are deposits for individuals in St. Petersburg banks insured?

Yes. Individuals' funds held in the bank in deposits and accounts, including foreign currency, are subject to insurance. The maximum amount of compensation for deposits today is 1,400,000 rubles.

If the deposit is placed in US dollars or Euros, the amount of compensation is calculated and paid by the DIA in rubles at the exchange rate set by the Bank of Russia on the day of the insured event.

You can check whether an institution is included in the deposit insurance system on the websites of the Bank of Russia (www.cbr.ru) and DIA (www.asv.org.ru), as well as on the free DIA hotline 8-800-200-08-05 .

The information is not a public offer. More about interest rates and the terms of deposits in SPB find out in the branches of the Banks.