Banking institutions offer investors various deposit options to place funds. The client can only think about the conditions he needs and make a decision. Since almost all banks have a similar line of deposits, it is best to rely on the level of profitability on the account and the reliability of the bank.

• a deposit that cannot be used for transactions;
• deposit with the possibility of replenishment;
• deposit with partial expenditure of funds;
• replenishable deposit with the possibility of withdrawing part of the money.

In terms of interest accrual, the conditions for deposits are as follows:

• interest accrual at the end of the term;
• monthly accrual of interest with their addition to the account balance (capitalization);
• monthly interest accrual and transfer to a separate account.

In our article we will look at the type of deposit that can be used to make additional contributions and interest on which is capitalized into the account.

How to open?

Before opening an account in the first bank you come across, take the time to analyze the information about it.

Under what conditions are accounts opened there, the degree of its reliability and the level of income on deposits.

Also compare it with other banks. The market situation is such that you can find a deposit with an income level 1.5-2 times higher.

Be sure to choose a bank whose funds are insured state system deposit insurance (DIA).

This way you will be sure that even in the event of bankruptcy of a financial institution, your funds will be returned to you by an authorized bank.

Just remember that they will return no more than the insured amount, which is (as of January 2019) 1,400,000 rubles in one financial institution.

After you have chosen a bank, you can go there in person, with an identification document, or submit an application on the website. Many banks offer this service. It will not save you from visiting the office.

A bank employee will advise you over the phone and perhaps offer a more interesting investment option.

If you are already a client of a bank, you have an account or a card, then you can open an account without coming to the bank - through remote service channels.

If you need to deposit cash, you can contact the bank office or find its ATM/terminal with a function for accepting funds. If the money is already in the account, then you just need to transfer the required amount to the new deposit.

Account opening methods:

• in the office;
• via Internet banking;
• through mobile app;
• via ATM/terminal.

Opening an account via the Internet or an ATM is more profitable in most banks by 0.2-0.5% per annum.

Some banks do not yet open accounts through remote service channels and only process receipts, expenses and settlement transactions. This is due to security requirements for online payments and regulation of financial flows.

Large banks offer their depositors free execution of account orders:

• powers of attorney. Can be made for one or more persons. Valid only during the life of the investor;
• wills.
  

  Valid only after the death of the investor. It is issued for one or several persons with distribution of shares.

  Can be compiled in physical. persons, legal entities persons, government bodies, countries.

Which bank should I contact?

Below we have reviewed several banks that offer replenishable deposits with capitalization. The best rate indicated this contribution for the minimum amount deposited at the bank office.

The term “Effective rate” refers to the income on the deposit taking into account accrued interest.

Bank - Deposit	Currency	Add. contribution	Capitalization Pro-price comrade	The most benefit- ny term	Percentage (annual)	Effect- tiv- Naya bid
Sberbank - “Replenish”	Rubles	Eat	Eat	6 months	7,15%	7,26%
	U.S. dollars			3 years	1,55%	1,59%
	Euro			3 years	0,60%	0,61%
VTB 24 – “Accumulate telny"	Rubles	Eat	Eat	6 months	7,75%	7,86%
	U.S. dollars			1.5 years	0,90%	0,91%
	Euro			1.5 years	0,80%	0,80%
Morskoy Bank - “The Right Course +”	Rubles	Eat	Eat	9-12 months	11,10%	11,70%
	U.S. dollars			From 9 months	2,20%	2,20%
	Euro
BinBank – “Monthly income”	Rubles	Eat	Eat	6-12 months	9,25%	9,68%
	U.S. dollars			12-18 months	2,65%	2,67%
	Euro				1,95%	1,97%
Nefteprombank - “The Right Decision”	Rubles	Eat	Eat	6 months	11,80%	12,09%

Sberbank - “Replenish”

A replenished deposit with interest capitalization, with the possibility of their further withdrawal. You can choose any term from 3 months to 3 years.

Minimum amount from RUB 1,000/$100/E.

For pensioners and online investors, the deposit percentage is slightly higher.

VTB 24 – “Accumulative”

Most profitable investment for this deposit in rubles - for 6 months, in foreign currency - for a year and a half.

Down payment from 200,000 rubles in the office and 100,000 rubles– remotely. The deposit period is from 3 months to 5 years.

Morskoy Bank - “The Right Course +”

The most favorable rates in rubles and in foreign currency are set from 9 months. The deposit period is from 1 to 18 months.

Down payment from 100$/E or 3,000 rubles. Contributions are not accepted per month for deposits for a period of 1-6 months and for 60 days for deposits for a period over 6 months.

BinBank – “Monthly income”

The deposit term can be from 1 month to 3 years. Minimum contribution from 10,000 rubles / 300 dollars or euros. Add. Contributions stop being accepted 1 month before the end of the deposit term.

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Nefteprombank - “The Right Decision”

High profitability. The account is maintained in rubles. First installment from 1,000 rubles, additional. contribution also from 1,000 rubles. Duration – from 1 month to 2 years. Investments are terminated 30 days before the end of the term.

Profitable deposit in rubles with replenishment and capitalization

The highest income can be obtained from a deposit under strict conditions, without the ability to withdraw or replenish funds and with monthly capitalization.

For replenished deposits, the percentage is slightly lower, approximately 1-2% per annum.

For 6 months

The most popular deposit term for January 2019 is a 6-month deposit. This is justified by the fact that during a crisis, investing in long term inappropriate.

Most people, and even specialists in financial sector cannot predict what will happen in the financial markets in a year or two.

Deposits for a shorter period - 1-3 months - are less profitable. 6 months is the optimal period for investing in current market realities.

Banks understand this and offer the most favorable rates for medium terms. Maximum percentage for deposits for 6 months in rubles fluctuates around 11% per annum, in foreign currency - no more than 2.5%.

Where to open in Moscow?

Moscow banks offer the most the best choice replenished deposits with the possibility of capitalization.

We have analyzed the best offers on the Moscow market and present them to your attention:

1. Nefteprombank – “Right Decision” deposit – 11.8% per annum.
2. Morskoy Bank – deposit “Correct course +” - 11.1% per annum.

3. Moscow Industrial Bank - “Accumulative” (for pensioners) - 10.25% per annum.

4. SMP-Bank – “Dynamics” deposit – 10.7% per annum.
5. Tinkoff Bank - in the amount from 50,000 rub. for 1 year – 11% per annum.

Foreign currency deposits were not considered, since the income on them is no more than 2.5%. They win only due to the growth of the exchange rate.

Interest

Interest on deposits with capitalization is added to the account balance in fixed time(monthly, quarterly), increase the balance and participate in the accrual of subsequent income.

This makes them more profitable than deposits without capitalization. If capitalized interest is periodically withdrawn by the client, this reduces the deposit balance and income accordingly.

You can find out whether your deposit has interest capitalization from a bank employee. There is a concept " effective rate».

The effective rate percentage is calculated taking into account capitalized interest.

For example, the deposit rate is 7% per annum, the effective rate is 7.3% per annum. You gain 0.3% per year if you do not withdraw accrued interest.

For large investments, this is a fairly significant amount. For example, 0.3% from 1,000,000 rubles =3,000 rubles per year in addition to the basic income.

Rates by foreign currency deposits an order of magnitude lower than ruble ones, but there is also interest capitalization there. Take advantage of this opportunity to increase your income.

Requirements for depositors

When opening a replenishable account at a bank office, the depositor will need:

• identification document;
• cash to be deposited into the account.

The client must also be aware of the actions being taken. If he is under the influence of alcohol, other psychoactive substances, or does not understand his actions due to illness, then the bank will refuse him the operation.

Regardless of whether the client deposits funds into the account or withdraws.

When opening an account in remote channels, it is necessary, first of all, to comply with security requirements:

1. Use only a stable and high-quality Internet connection.
2. Use only the latest versions of licensed antiviruses.
3. Make transactions only in official bank devices.

4. Maintain complete confidentiality of card data, PIN codes, logins Personal Area, transaction confirmation codes.

5. Block access to unauthorized persons to the smartphone on which the bank’s mobile application is installed.

Do not neglect security to protect your savings.

Documentation

When opening an account at a bank office, the client will be required to provide an identification document.

List of possible documents:

• passport of a citizen of the Russian Federation;
• international passport;
• temporary certificate of form 2P (with photo);
• military ID for those undergoing active service (with a note to this effect);
• "Seaman's Passport" - for employees on sea ​​vessels long-distance navigation and students in relevant institutions;
• For foreign citizen– passport of your country;
• for persons without citizenship - “Residence permit for a stateless person.”

When completing a transaction under a power of attorney, the authorized person must provide a document confirming his identity.

How to close a deposit?

You can close an account in the same way as open it:

• in the office. Here you can immediately receive cash or transfer funds to another account;
• via the Internet or mobile application.
  

  Here, in any case, funds must first be transferred to a current account or card.

  Afterwards, you can open a new account, transfer money somewhere or leave it for later withdrawal from an ATM;

• through the bank device. Here you can also transfer money to a current account and use it to cash out funds, make further transfers or open a new account.

An heir or a trustee can also close an account if the depositor has left the appropriate instructions.

If the investor died without leaving a will, the heirs formalize their right in a notary's office.

.

Advantages and disadvantages

Advantages of a replenished deposit with capitalization:

• high rate;
• additional income based on capitalization;
• opportunity to report funds.

Disadvantages of this investment:

• you cannot use part of the funds on the deposit;
• You cannot withdraw capitalized interest (at many banks).

Replenishable deposits with monthly capitalization – good investment, if you choose the right period and report funds periodically.

Through regular contributions you can accumulate a significant amount, and through the capitalization of interest, receive additional income.

It is worth considering that long-term investments are usually more profitable. Deposits with capitalization and the possibility of replenishment, as a rule, are the most.

Let's assume that the initial amount is not enough to buy something. Then you need replenishment to save up for it. A certain portion of the funds can be added to the initial amount from your salary. The amount will also grow, if you do not withdraw interest on the deposit, they will be added to the principal amount, and charges will go to the total amount. Also, when choosing a deposit, you should pay attention to the frequency of interest capitalization.

In this article:

Types of capitalization

By savings deposits are charged differently.

Capitalization is divided into three types, these are:

• Monthly interest accrual (the most profitable).
• Quarterly accrual.
• Calculation of payments at the end of the term (least profitable).

For banks, the latter type of capitalization is preferable, since money can be used throughout the entire period.

Do you use a deposit to save money?

I useDo not use

If desired, the investor can transfer savings received from the account to a special account and use this money as passive income. For example, if you deposited one million rubles into your account, the amount of passive income, at a rate of 10% per annum, will be 10 thousand rubles per month. Funds from the special account can be withdrawn at any time.

Deposits with the highest interest rates

Today, the following deposits are considered the products with the highest interest rates:

• “Loyalty to traditions” from Alef Bank.
• "Premium Rentier" from Transcapitalbank.
• "My Capital" from Finam Bank.
• "Savings" from Metallinvestbank.
• "Privilege" from Expobank.
• “Good deed” from iMoneyBank.
• “Lucky coin” from Ecoprombank and a number of others.

“Loyalty to traditions” from Alef Bank

The bank offers an annual rate of 11% on deposits in rubles. You can deposit an amount from 50 thousand to a million for a year.

If you place funds in foreign currency, the interest rate will range from 4.3 to 5 percent for the dollar and from 3.3 to 4 percent for the Euro. Interest is calculated monthly. Replenishment is possible. If necessary, you can withdraw part of the funds ahead of schedule, but a minimum balance must remain in the account. In this case, there will be no loss of interest.

"Premium Rentier" from Transcapitalbank

The deposit rate ranges from 8.85 to 9.5 percent in rubles. The deposit amount is 50 million rubles or a million dollars or euros. The percentage ranges from 0.75 to 1.9 and 0.5 to 1.65 percent for dollars and euros, respectively. Funds are placed for 183-370 days.

Reliable deposits in VTB-24

It’s probably not worth taking risks when placing funds on deposit by contacting a bank you are unfamiliar with. It is much more reliable to turn to a trusted partner, although, of course, each of us decides this issue for ourselves. As a rule, the higher the interest rate on a bank deposit, the higher the risks this product. Large reliable banks have also developed a number of interesting offers for their clients. You can rest assured about your savings placed here."

Popular deposit “Profitable”

There are currently no active options for Sberbank deposits with capitalization. But the bank offers a wide range of deposits on various conditions. You can apply for a deposit online or contact a bank branch.

Deposit calculator

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For example, a deposit called “Profitable” is popular.

You can do it both in and in currency:

• In rubles maximum amount investments are equal to one and a half million. Money can be deposited for a period from three months at 7.4%. Interest on the deposit can either be withdrawn monthly or left in the account where it will be capitalized.
• The size of the deposit in US dollars is limited to fifty thousand; it can be made for a period of at least two years at 1.6%. If you intend to deposit money in a bank in Euros, the savings rate will be 0.01%. Funds are accepted for a period of at least three months, the amount is no more than three thousand Euros.

Partial withdrawal and replenishment of this deposit is not possible.

Deposits, where the entire amount is withdrawn at the end of the term, are convenient as savings. However, for some, an important advantage is not only the capitalization of interest, but also the possibility of replenishing the deposit.

Replenishable deposit “Accumulative Online”

If you want to save a certain amount, the ability to replenish your income, for example, after your salary, will probably be important to you. Such a deposit at VTB-24 is called “Savings Online”. The interest you earn on it is 7.1%. An amount of one hundred thousand rubles and above is accepted for deposit. For a period of three months or more.

You can handle interest at your discretion; it can be withdrawn monthly or capitalized. You can top up no later than 30 days before it ends. It is possible to open a deposit remotely via the Internet - Bank or Mobile Bank. “Accumulative Online” can be opened remotely in the “Telebank” system. The deposit is available to residents of almost four hundred cities in Russia.

In all the variety of ways to use free funds bank deposits are one of the most profitable options. Since they allow you to receive income in the form of interest paid, and do not require any serious effort from the client, more and more people are choosing them. The most important thing to do is to find a suitable deposit program. For example, deposits with capitalization in Moscow are one of the most profitable types of deposits. It can bring you a very good income even without the biggest interest rate on deposit in Moscow.

Deposit calculator with capitalization in Moscow

Despite a long contract with a lot of conditions, almost each of us is looking for a program option that will allow us to open a deposit at a high interest rate in Moscow, and practically does not pay attention to other conditions. Meanwhile, such an important deposit parameter as the capitalization of interest on a deposit account in Moscow has a huge impact on the level of income that can be received.

A deposit with interest capitalization in Moscow differs from the classic type of deposit in the following parameters:

• in a classic deposit, interest is calculated based on the original amount you deposited;
• a deposit with interest capitalization in Barnaul involves adding accrued interest to the “body” of the deposit, and subsequent calculation of interest based on this increased amount.

It is obvious that even without taking into account rates on deposits with capitalization, in this way you can get much more income than on deposits without capitalization. And if we consider a deposit with replenishment and capitalization in Moscow, when you yourself can further increase the “body” of the deposit, then this is an even more profitable option.

There's only one important nuance on interest for this type of deposit: without a detailed calculation of the deposit with capitalization in Moscow, do not rush to immediately choose a deposit program only upon the availability of such an opportunity. Without taking into account all the important parameters and values, you can make a mistake and face uncomfortable conditions.

Make this calculation yourself and choose best deposits with capitalization is quite difficult, so use the deposit calculator with capitalization in Moscow, which you will find on this page:

1. Enter initial conditions.
2. Click on the search button.
3. The system will select for you full list suitable options with a description of the conditions for each.

After this, you will be able to quickly study all the necessary information and make an informed decision on opening a deposit in Moscow.

Where is the best place to open a deposit with capitalization in Moscow?

Find where best deposit with interest capitalization, will not be difficult: many banks work with this type of program in 2019 (Sberbank, VTB, Russian Standard, etc.), so there is plenty to choose from.

The main criteria for successful selection are:

• high interest rate;
• acceptable conditions for closing, partial withdrawal and replenishment of the deposit;
• bank reliability.

What is capitalization of interest on a deposit account? How is interest on a deposit with capitalization calculated? Where to open a deposit with monthly capitalization and replenishment?

Hi all! I’m with you again, Alla Prosyukova, one of the authors of articles in the HeatherBeaver project!

The main rule of investing is: "Money should make money." Therefore, if you have a desire not only to save your savings for bank deposit, but also to increase them, then you will probably be interested in taking a closer look at such a concept as capitalization of interest on a deposit.

This is exactly what the article will discuss.

In addition, I will give some useful practical advice, which will allow you to avoid annoying mistakes when opening a deposit with capitalization.

Let's start, friends!

Deposits are a popular type of saving and preserving funds among citizens of all ages with different levels prosperity.

And if any Russian can easily answer that this is the placement of individuals’ money in bank accounts at interest, then not everyone knows what capitalization is.

Capitalization of the deposit- this is the addition of accrued interest for the period provided for by the terms of the agreement to the principal amount of the deposit. In the future, interest will be accrued on this added income, as well as on the principal amount of the deposit.

To finally clarify the essence of capitalization, let's look at an example.

Deposits with capitalization in Moscow are especially popular in 2019, as they allow you to get a good profit. Offer users can deposit money under high percent, additionally receive the amount accrued above it.

Terms of deposits with capitalization in Moscow

Capitalization of interest on a deposit account in Moscow can occur:

• annually. This option applies only to long-term deposits;
• quarterly. Interest is calculated and added to the deposit body every 3 months. Such an offer brings the investor a higher income;
• monthly. The most popular scheme. Rates on deposits with capitalization can be increased every month.

Foreign financial institutions also have proposals for daily capitalization, but in Russian financial market she is not popular.

Not all programs require capitalization. It cannot be used if possible partial withdrawal or early termination agreement. A deposit with a monthly capitalization in Moscow is often issued under rather strict conditions, but it provides the opportunity to receive maximum income.

Before you do, we recommend choosing a reliable financial institution with good rating. You can find it on our website. You can easily find a deposit with interest capitalization in Moscow. Some offer to open an account remotely. To do this, you only need to have an existing bank account with this institution.