You will find out who offers deposits in euros at a high interest rate, under what conditions you can place a certain sum of money in the bank and how to open a deposit in 3 steps.

04.04.2018 Lyubov Chushenko

Under conditions of unbalanced economic situation in Russia, citizens are interested in how and where to store their savings. The question is particularly acute: what currency will bring the depositor the highest income?

Where to invest your savings so as not to lose them, which banks are more reliable and is it profitable to make a deposit in the European currency? You will learn all this and much more by reading this article.

Euro deposits - a stable source of income or investment with risks

Deposit investments for individuals- rather a way to save your money than an opportunity to receive income from them. This is due to the low interest rate. Since the rate is constantly changing and growing, it is unprofitable for banks to work at a loss and pay a large difference to depositors.

Investors themselves benefit from even a low rate. If you manage your funds wisely, there is an opportunity to increase them. The risks are minimal, as the exchange rate mostly increases. Even if it decreases a little, the investor loses practically nothing due to the same meager interest.

Investments in euros are no less profitable than investments in dollars. In order to make a profit from the deposit, it is necessary to correctly calculate the investment period and the conditions for receiving interest established by the banking organization.

By developing your own behavioral strategy, you will make time work in your favor. sometimes even economic crises come in handy. It is more expedient to open an account in Eurocurrency at this unstable time.

Banks attract customers with favorable conditions, as the exchange rate falls and the organization needs new investments. Even a small amount deposited to the account for up to 1 year will bring you profit. Moreover, when withdrawing money, you will receive not only interest, but also the difference between the current and past prices.

Who is eligible for this offer?

Keeping your savings in European currency is most beneficial for those people who often visit the countries of the European Union. If you are going abroad on vacation, it will not be superfluous to open a foreign deposit account.

Working for foreign organizations, many of our compatriots receive wages in the relevant currency. To make it easier to receive payments, a deposit in euros is required.

When buying a home in another country, opening investment account — required condition, since the transaction will be completed only in the current currency unit and at the current rate.

In view of the fact that the Russian ruble is an unstable currency, many Russians are forced to transfer their savings to other, more balanced units. Some people trust the dollar, while others choose the euro. Thus, the accumulated amounts are stored for a long time, without causing a loss to their owner.

Even some pensioners, taught by the bitter experience of ruble devaluations and inflation in recent decades, prefer to keep their accruals in foreign money.

Conditions for investors

Financial institutions offer investors a variety of investment conditions.

The choice of a banking institution and the amount of possible profit depend on the most optimal criteria.

Minimum amount

When choosing a deposit and an institution ready to provide it, citizens pay attention primarily to the initial amount. Because interest rate low, the lowest amount of the first installment is more profitable. Usually this characteristic is decisive when choosing a deposit program.

Currency

Most investors use foreign currencies to store their income. The dollar and the euro are closely related to each other. The fall of one causes the rise of the other. Due to the instability of the ruble, citizens trust their funds to the euro. Even if the course changes, the client will incur minimal losses.

Term

Depending on the amount of the deposit, the term of the deposit is set. For 2018, the greatest demand for short-term investments, they are available to all categories of the population. The choice can be stopped on long-term options.

Replenishment

The amount of replenishment of the account and the possibility of such a procedure are prescribed in the contract. The size of the possible profit that a person will receive from the deposit depends on this. Some banks do not provide replenishment.

Capitalization

The possibility of capitalization of interest is the most important condition. This guarantees not only interest on the initial amount, but also interest on profits.

Partial withdrawal

Withdrawing and transferring funds in parts is a service that not all banks offer. Early withdrawal of interest results in loss of interest. But there are conditions under which interest in euros is partially preserved.

Prolongation

If the deposit expires, it can be extended. Distinguish between automatic and non-automatic extension. All conditions for the opened account must be agreed with the client in advance.

How to open a deposit in euros - instructions for the depositor

The procedure for opening a deposit is quite simple.

With euro deposits, you will only get tangible benefits if you choose the right program and invest in long term- more than 1-3 years.

In order for the transaction to make a profit, it is important to follow the step-by-step instructions.

Step 1. Choose a bank and a deposit program

First you need to study the offers and programs offered by banks. To speed up the procedure, special sites are used, such as Banki.ru and Sravni.ru. With the help of services and the calculator located there, it is easy to find what you need in a particular case.

The system compares the conditions for different deposit programs and gives the most acceptable options. It remains only to choose the right one.

Learn from this video how to use the Banki.ru service to find the right offer:

Step 2. We study and sign the contract

When the experts prepare the contract, it is necessary to familiarize yourself with all its clauses in detail. If you agree with the interest rate, the possibility of capitalization and other conditions, sign the papers. Receipt of a copy of the contract in hand is evidence of the transaction.

Step 3. We deposit funds into the account

Placement of money occurs only after the conclusion of the agreement. Track changes in interest and other information through Internet banking or directly at a bank branch.

Who offers the best deposits - an overview of the TOP-3 banks

For today Better conditions with the smallest amount of down payment offers many banks. They are intended for different categories contributors. Among the most popular are Express Credit and Monolith. Organizations that open short-term deposits to their clients are Intrust-bank, Baltika.

Investing under high percent available in Rublev and Eurocitybank.

Investors when choosing financial organization more often they pay attention not to the possible income, but to the status of the institution itself and its reliability. Tinkoff, Sberbank, Alfa-Bank, VTB-24 were among the rating ones.

Tinkoff

The demanded contribution to Tinkoff is "Smart". The amount up to 300,000 euros is placed on the account for up to 3 years. Interest in this case ranges from 5 to 6.5%. Interest is calculated every month.

Any replenishment amount, the main thing is to make it no later than 2 months before the end of the contract. After 60 months from the date of opening the deposit, partial withdrawal of income is allowed. Interest will not be charged. At early termination transactions paid minimum bid in the amount of 0.1%.

touch bank

The maximum income in € reaches 0.5% per annum. The main advantages are reliable insurance, profitable terms, convenient savings management. Interest is calculated daily. You can withdraw any amount for free at any time.

Alfa Bank

Opening a "Premium" deposit is possible with a first installment of at least 500 €. Validity - from 3 months to 3 years. The term and amount of the deposit determine the annual interest rate. Usually it does not exceed 4.5%.

Interest is calculated every month without the right to capitalization. You can not replenish and withdraw money in parts. Symbolically, in case of early closure, the client is paid a rate of 0.005%. Opening a deposit account is possible online and in person at a bank branch.

Is it profitable to invest in euro - expert opinion

Interest rates in European currency are more profitable than deposits in rubles or US dollars. This is explained by the fact that the euro is more stable than its financial counterparts. Speaking about savings, the most important characteristic is the reliability of the exchange rate.

Is it profitable to invest savings in euros? Judging from economic point view, then the answer to the question will be positive. The European currency is one of the leading ones on the market, and thanks to its constant growth, deposits will help not only save the available funds, but also significantly increase them.

If you managed to save some money, and there is no need to spend it on something right now, then be sure to consider the available options for saving and increasing your savings. Thus, deposits in euros are becoming increasingly popular. Since it is a stable foreign currency, your funds will definitely not depreciate, and the interest paid by the bank will allow you to receive a good income without doing almost anything for it.

Interest on deposits in euros

Due to the fact that we all faced some financial problems due to fluctuations in the exchange rate of our currency, many have ceased to trust the Russian ruble and began to transfer all their savings to deposits in euros. This allows you to solve the following important tasks:

• even if the ruble suddenly collapses, your money is guaranteed not to depreciate: you can use your own funds to buy the same goods and services as before such negative events;
• bank deposits in euros are insured against state program, therefore, even if the bank closes or loses its license, you will be compensated for a certain amount (no more than 1,400,000 rubles).

In addition to providing you with a safe place to store your funds, euro deposit rates will allow you to earn income and gradually increase the amount of capital. If, in addition, your type of deposit program provides for capitalization of interest, then you will receive even more significant income.

But most clients choose this type of deposit precisely for the purpose of capital preservation. This is due to the fact that the percentage of deposits in euros is much lower than the rates on ruble deposits. Because in the case jump the bank will find itself in a situation where it will be forced to pay you a huge amount of interest in the equivalent, low rates are for it the only option to reduce such risks.

However, on a deposit in euro, rates allow you to receive some income, which, given the stability and international status of this currency, will allow you to increase the amount of capital available.

In which bank is it better to open a deposit in euro?

Undoubtedly, the main task any depositor is to choose and open the best euro deposits.

If you start looking for the best place to open a deposit in euro, then make sure that in 2019 all large banks work with this type of deposits (Sberbank, VTB, Russian Standard, etc.).

Since there are so many offers, you may have to leave a large number of time to study them and find all the necessary information.

A special calculator on this page will help you cope with this task quickly and easily:

1. Enter your initial deposit requirements.
2. Click on the search button.
3. The system will show you full list all applicable options detailed description conditions for each.

As a result, you will be able to make an informed choice, as well as immediately proceed to making a deposit and submit an application online.

If you have savings in rubles, then due to the current economic situation, you are most likely interested in where and how you can save them. Invest or put in the bank? Or maybe exchange for euros? Is it profitable to do it? Is it worth investing in euros, will there be losses? And what features exist? And where can I exchange rubles for euros?

Where and how to invest in euros?

Initially, let's look at where you can invest your rubles in euros. There are three main places where this is possible:

1. banking institutions;
2. Exchange offices (including virtual ones);
3. Black market

Due to the instability and peculiarities of the third, only banking institutions and exchange offices will be considered. The situation that has developed in the global economy and possible transactions with the euro to increase their number will also be considered. Maybe you're not sure what to bet on? Are you thinking of investing in euros or dollars? Well, perhaps this article will further convince you what to bet on.

Exchange option

What can be said about them? It should be noted that there are two types of exchange offices: regular and virtual. What are the first, you imagine, since there are many of them on the streets of cities. It is easy to work with them: you need to take your money and exchange it for euro at the exchange rate at the exchange office. With virtual exchange offices a little more difficult. In addition, it requires the presence of a bank ( bank cards issued in rubles and euros). The exchange mechanism looks like this:

1. Money that is planned to be exchanged for euros is credited to the ruble card;
2. An application for an exchange is made at the point itself, where the card to which the withdrawal is planned is indicated. It must be in euros, otherwise the bank will convert the money into rubles.
3. The bank asks you to confirm that you are making this payment (usually by sending a message to the cardholder's phone containing the verification code).
4. You must enter the password you received.
5. Wait for funds to arrive.

Whether to invest in euros in the traditional way or using a virtual exchange office is up to you. The only thing to consider is your own benefit.

Bank option

This option can also be implemented in two scenarios: conventional and virtual. The first involves the actual arrival at the bank branch, in which a certain amount is changed to the euro. The virtual scenario implies the ability to change money in your personal account(if provided). Here in euros with the help of the banking system.

Is it profitable now to invest in euros?

Is it profitable now to invest rubles in euros? No matter how patriotic it may sound - yes, it is profitable. When the rate is constantly growing, this way can be regarded as good way increasing their funds (even if purely nominally). This is especially true for those rubles that are kept as a reserve for a rainy day. They will not be launched in the near future, and thus they can gradually turn into a small investment, even a rather specific one. In order to assess how long this situation will last, we suggest looking at the state of affairs in the economy of other countries of the world and the European Union itself, in which this currency circulates.

The situation in the global economy

The European Union, whose currency is the euro, is one of the largest economies in the world. Science-intensive products occupy a large share in production and export. Thus, we can say that the euro has a serious economic base. But at the same time, in some areas there are systematic problems in the economic sector. At the same time, there are a number of significant problems in non-economic spheres of life. Although they do not directly affect the association now, they may bring a number of inconveniences in the future. Of them:

1. Slow economic growth. Now they have reached their zeniths, and a further increase in the economy is problematic due to satiety.
2. demographic issues. It should be noted that in this moment the indigenous population is insignificant, but declining. But in general, the number of people is increasing. This is due to migrants and natural growth from their environment.

In general, the European Union boasts a stable state, which is confirmed by the presence of significant trade ties, as well as powerful partners. The EU actively interacts with the other two most powerful economies in the world - the United States of America and the People's Republic of China. In general, they form 60% of the world gross product. And, despite a number of some problems, we can say that nothing is scary for the euro in the next few years. According to some forecasts, it is possible not to worry about the state of the European Union until the 2040s.

Possible transactions with euro

But just buying currency is not enough. It is also necessary to try so that inflation does not eat it (although it is much less than that of the ruble, it nevertheless amounts to a few percent per year), although you can simply keep money in euros. Therefore, there are several options to consider:

1. Bank deposit. Here it should be noted that only domestic institutions are interested, there is no need to go abroad. The fact is that abroad the interest rate is less than the rate of inflation. And here it is about one and a half or two times higher. Therefore, in this way, you can not only save your money, but even increase it a little. But due to high economic risks concentrating all the money on one deposit in a little-known bank is not the best thing to do. Therefore, it will not be superfluous to use the golden rule: "all eggs in different baskets." But, nevertheless, this is the most hassle-free option, and less time-consuming. So whether it is worth investing in euros and multiplying them in this way is up to you, but the answer seems to be obvious.
2. It involves the transfer of savings to special organizations that invest in stocks and bonds. There is an increased risk this enterprise and at the same time a higher yield compared to deposits.
3. Will invest in real It is necessary to recognize that the country's economic sector is largely dependent on the outside world. And in this case, the euro can be spent to buy machinery to open your own enterprise (or if the currency still grows up, then exchange it for rubles and buy domestic equipment). How to invest in euros and spend them is up to you, you can generally refuse the proposed options and keep them under your pillow.

Conclusion

As part of the article, it was considered how to invest in euros. And not just to translate, but also to multiply. As you can see, now you can invest your money in euros and make a profit. You can use the least risky option - a deposit, or risk larger amounts. Now the option with a bank, if you have 10 thousand euros, will allow you to live at an average level, even without working. So, summing up, we can say that in this way creating a financial cushion for yourself is not a bad thing. And at this point in time, it is profitable to invest in euros.

Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike the stock market or precious metals, you do not need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or in electronic format and read all the points carefully, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services according to their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. site is the largest financial supermarket Runet, successfully functioning for more than ten years.

The euro is considered one of the most stable currencies in the world. Despite the tangible internal political crisis that is observed in last years in the whole of the EU countries, as well as in the entire association, the position of the euro on foreign exchange market remain fairly stable.

Moreover, the course Russian ruble in the last few years, then rapidly falling to record levels, then gradually stabilizing. Many experts believe that the gradual fall of the ruble will continue, which is why many Russians prefer to keep their savings in foreign currency.

The euro is great for storing free capital, since as of 2017 this currency is one of the most stable in the world.

Bank deposit programs in foreign currency have always been in demand, and the demand for deposits in foreign currencies among depositors increases during the period of unrest in the exchange rate of the domestic currency.

Very often, depositors prefer to use the euro as the currency for holding funds. Deposits in this currency are used in the following situations:

If a euro deposit is used to protect savings from inflation, then in such a situation it is very important to assess the state financial market at the time of opening the deposit.

Some urgent programs make it possible to withdraw funds ahead of time while maintaining part of the interest. As a rule, the longer the term of the deposit, the more interest the bank will offer to the depositor.

Advantages and disadvantages