Bank deposits have been and remain the most familiar way of investing savings for most Russians. It’s not easy to navigate the variety of offers from different banks. Therefore, today we offer the Top 10, which included the most profitable bank deposits as of the end of August 2013.

We analyzed only deposits in Russian rubles, as the least risky and the most profitable. Noteworthy are the combined products included in our top ten, which are a combination of contribution with mutual funds or insurance.

10. Promsvyazbank - “My benefit”

The deposit allows you to earn up to 9.7% per annum. The minimum deposit amount is 50,000 rubles. The term is from 91 to 1095 days. The peculiarity of the deposit is preferential terms for early termination if the funds are placed for a period of more than 3 months. When withdrawing a deposit after 91 days, does the bank pay income from the calculation? the rate in force at the time of the conclusion of the contract.

9. MDM Bank - “Profitable” with payment of% at the end of the term

A profitable deposit for a period of 30 to 1500 days allows you to receive income from 5.8% to 10% per annum. The maximum rate is applied for amounts from 1.5 million rubles placed for a period of 2 years.

8. Rosbank - “Summer”

For those who manage to make a deposit before August 31, 2013, there is an advantageous offer - up to 10.5% per annum. The term of the deposit is from 3 to 36 months, the minimum amount of placement is 15,000 rubles.

7. Home Credit Bank - “Profitable Year”

The minimum amount for opening a deposit is 1 thousand rubles. The placement period is 1 year. The interest rate is 10% per annum. The conditions stipulate monthly capitalization, i.e. interest is added to the main deposit amount.

6. Raiffeisenbank - “Premium Insurance with an Insurance Term of More than 10 Years”

This proposal involves a combination of contribution and one of the insurance programs of IC Raiffeisen Life. If the insurance period is more than 10 years, the income on a deposit with a placement term of 366 days will be 10% per annum.

5. Moscow Credit Bank - “Savings”

The contribution will provide up to 10.5% of income per year. The minimum deposit amount is only 1,000 rubles. When making a deposit through the system of remote banking services of MKB Online, income increases by half a percent - up to 11% per annum. Deposit term - from 95 to 370 days.

4. Uralsib - “Contribution + Unit Investment Fund Dynamic”

This proposal of Uralsib Bank involves the simultaneous placement of funds in a deposit and the acquisition of shares in a mutual fund. The term for placing funds is 91, 181 or 367 days. Payment of income is made at the end of the term to a separate bank account. Uralsib also offers one of the most profitable mortgage programs.

3. Alfa-Bank - “Victory”

This highly profitable contribution provides up to 10.94% per annum. The minimum deposit amount is 10 thousand rubles. The placement period varies from 92 to 1095 days. Under the terms of the deposit, monthly capitalization is provided taking into account the accrued interest.

2. East Express Bank - "East"

The deposit rate is up to 12.83% per annum. The term is 1, 2 or 3 years. The minimum investment amount is 100 thousand rubles. The peculiarity of the deposit is the ability to partially withdraw the deposit without loss of interest once during the placement.

1. Russian Standard - “Fairytale Investment”

The most profitable contribution. This is not even a contribution in its pure form, but a combined product. Client funds are placed simultaneously in the deposit and in the mutual fund in the ratio of 70 to 30 or 50 to 50. The interest rate will depend on the amount of the deposit, the term and the share transferred to the mutual fund. The minimum amount of placement is 30 thousand rubles, the maximum is not limited. The term of the deposit is from 180 to 720 days.

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