Bank deposits are still the most reliable way invest your own savings and receive from them passive income. Today every owner equity there is a unique opportunity to choose the most profitable proposition in commercial banks, for the reason that the market for proposals is quite large. The profitability of the deposit is determined by the interest rate on the deposit, but the highest rate is usually valid for long-term cooperation, although some potential clients need to invest money for a short period, namely for 30 days. Therefore, it is definitely worth reviewing current offers, and determining where to open a deposit for a month under high percent.

Banking offers today

The peculiarity of bank deposits is that the bank does not limit the terms for placing funds on the account. But at the same time, the client must decide for what period he would like to conclude an agreement with the bank for one month or for 1 year, this is what determines the profitability of the deposit. Next, we will consider where the most profitable deposit for 1 month is, or rather, we will give an overview of current offers for today.

Moscow Industrial Bank

Here you can open a bank deposit for 1 month with an interest rate of 5.5% to 6% per year, depending on the amount of the deposit. The interest rate is determined as follows:

• with an amount of 3,000 rubles or more - 5.5% per year;
• from 100,000 rubles 5.75% per year;
• from 1.5 million rubles 6% per year.

Among other conditions, there is no replenishment, early dissolution agreement is not provided without loss of interest. For pensioners, an increase in the interest rate by 0.25 points is provided. Prolongation of the contract is carried out automatically, but not more than 24 times.

Please note that the bank indicates the annual interest rate, that is, to calculate your profit for 1 month, you need to calculate the interest using the following formula: the interest rate divided by 12. For example, if the annual interest rate is 5%, then for a month your profit will be 0.416% of the original deposit amounts.

Bank Avangard

If you are looking for term deposit for 1 month, then the offer from Avangard Bank of the “Basic Internet” deposit is ideal for you, according to the terms of which interest is paid at the end of the term without capitalization. By the way, under the terms of this offer, you can open a savings account for a period of 10, 20, 30, 90, 183, 365 days. If you make a deposit for 1 month, then an interest rate of 6.5% per year will apply, the minimum amount is from 10,000 rubles. But you can open a deposit and carry out various operations on the account only remotely, through Internet banking, respectively, the service is available only to existing customers of this financial institution.

Sovcombank

The “Interest on Interest” program operates here, the minimum term for placing funds on the account is 31 days, while the interest rate is 6.9% per year, the minimum amount is 30,000 rubles. If you are already a client of the bank, you can open an account without leaving your home, through the Internet banking system, while your rate will be increased by 0.3%. The contract is extended for the next term automatically.

Rosselkhozbank

Here, among the numerous deposit offers, there is a “Profitable” deposit. According to its terms, a potential investor can place funds for a period of one month with an interest rate of 6.5% per year. The minimum amount is from 3000 rubles, interest is paid at the end of the term of the contract. Prolongation for the next term is carried out automatically.

Please note that when opening a deposit account via the Internet service, the rate increases by 0.2 points.

J&T Bank

Here, the bank offers its customers the Maysky deposit, according to its terms, the rate is 7.5% per year, the minimum validity period is 31 days. Amount from 500,000 rubles. By the way, there is no auto-prolongation of the contract for the next term, interest is paid at the end of the contract.

Bank "Revival

Here you can open a deposit for a period of 32 days. In this case, the conditions will be as follows:

• amount - from 10,000 rubles, rate - 6.4%;
• amount - from 500,000 rubles, rate - 6.6%;
• the amount - from 1.5 million rubles, the rate - 6.7%.

According to the terms of the agreement, interest is paid at the end of the term. The extension of the contract is carried out automatically.

Marine bank

Here you can open a deposit for a month at an interest rate from 6.95% to 7.15% per month, depending on the amount. By the way, the minimum amount is from 3000 rubles per month, interest is paid monthly. The contract for the next term is extended automatically.

Denizbank Moscow

This commercial Bank, whose branch is only in the capital of our country. Here, a potential investor can open a term deposit for a period of 10 to 29 days in the amount of 600,000 rubles at an interest rate of 5.25% per year. Moreover, if you open an account for a period of 30 to 90 days, the interest rate will be increased to 8.25 percent per year.

Advantages and disadvantages

As you can see, opening a deposit for a month at a high percentage is quite simple, because there are a lot of offers on the market. At the same time, short-term deposits have several advantages and disadvantages. Among the disadvantages is that the client cannot count on capitalization of interest insofar as most banks pay out profits at the end of one calendar month. If the client has not received the money at the end of the contract and, according to the terms of the bank, a prolongation is provided, then his profit will be added to the body of the deposit, respectively, in the next period, interest will be charged a large amount. In addition, short-term deposits cannot be replenished and partially withdrawn in cash, to be more precise, money can be received at any time, but the bank will change the conditions and reduce the rate to the rate on the account "On Demand", which ranges from 0.01% to 0, one%.

Advantages can also be found, for example, if you have free funds, then you can deposit them into the account for a short time and get a small benefit from them. In addition, if you do not dispose of your money in a timely manner at the end of the contract, the bank will automatically extend the term for you, only the nuance is that during the prolongation, the rates on the day of the prolongation are valid. That is, if the bank during this period, while the funds were placed on the account, reduced the interest rate, then for the next period your savings will be placed at a lower percentage.

Please note that all conditions in the bank are strictly individual and regulated by the deposit account maintenance agreement.

Thus, each potential depositor has the opportunity to place his funds in a bank account for any period. Opening a deposit for 30 days will be quite simple, for this you need to choose only one of the many offers of the bank and personally contact the branch or use the remote service.

For 1 month - this question interests many residents of the capital. The economy in the country, and throughout the world, is unstable, inflation devalues ​​the “lying cash". In Moscow, deposits for 1 month are the most popular deposits in 2019. If you have an impressive amount of money on hand, you can make it make a profit in a short time. By placing a deposit at high interest, in a month you will receive additional profit, which you can dispose of at your discretion.

How interest is calculated on short-term deposits for a month in Moscow

If you have a large amount of money that will soon be used somewhere (business expansion, real estate purchase, etc.), it is better not to waste time, but to make a deposit for 1 month in Moscow. What is the benefit:

• considerable interest is expected, because interest will accrue and grow, taking into account the size of the amount;
• insurance guarantee will allow you not to worry about the safety of funds;
• short-term deposits are automatically rolled over, with the capitalization of the amount and the preservation of the interest rate.

On the day of the expiration of the term of the deposit (after 30 days) you are guaranteed to receive the amount invested by you and plus additional income - for a few percent.

It is not worth neglecting deposits as tools for making a profit in 2017. Despite the financial crisis and unstable exchange rates, they can be used to earn good passive income. One of the most important advantages of deposits is the stability in earnings, but it is worth noting that you need to choose them carefully, because in terms of profitability and reliability, they are far from being the same.

Current bank deposits for a period of 1 month in 2017

Finding a deposit that can be opened for 1 month is not as difficult as it seems. And it is not much more difficult to choose among those found that brings the highest income. Therefore, there are a lot of opportunities for potential investors in 2017.

UM-bank - "Sprint"

In cities where UM-bank has its branches, you can open a Sprint deposit for 1 month, which is no less profitable than any of them. To apply for it, you must have at least 500 thousand rubles. The bank sets the rate at 9% per annum. Partial withdrawal of money and replenishment of the account are not provided. Interest is accrued and paid at the end of the term. In case of early demand of the entire invested amount, interest is recalculated at a rate of 0.2%.

Asia-Pacific Bank - "Profitable"

For 1 month, you can also make a deposit in the Asia-Pacific Bank with a minimum possible investment amount of 5 thousand rubles. In terms of profitability, this deposit can be compared with the most profitable ones, since its interest rate is quite high - 8.3-8.9% per annum. An advantage over many individuals can be considered the possibility of replenishing the deposit and performing debit transactions - without restrictions and during the entire period. Interest is accrued at the end of the term, and in case of early termination of the contract, the money is paid at the “Personal Account” rate.

Rosselkhozbank - "Classic"

By opening a “Classic” deposit with a minimum amount of 3 thousand rubles for 1 month, you can count on an interest rate of 8% per annum. Unlike the offer of the previous bank, replenishment and partial withdrawal of funds from the account is not available here. Earned money can be credited by the bank either at the end of the term, or monthly with subsequent capitalization (optional). In case of early withdrawal of the entire amount, interest is recalculated at the “On Demand” rate.

Alfa-Bank - Piggy bank

If you open a Piggy Bank deposit for 1 month, Alfa-Bank, which provides it, will set an interest rate of 7% per annum. A feature of the proposal can be considered that the initial investment amount can be from 1 ruble. In addition, account replenishment is carried out as part of the “Piggy bank for change” service when paying for purchases debit card Alpha Bank. Partial withdrawal of funds from the account is also allowed. Earned interest is accrued and capitalized by the bank on a monthly basis.

Orient Express Bank - "VIP-term"

A premium class deposit can also be issued for only 1 month this year 2017. One of the available offers of this type is "VIP-urgent" from Orient Express Bank. The minimum investment amount is 1 million rubles, and the minimum rate is 6.75% per annum. The agreement is drawn up without the possibility of replenishment and partial withdrawal, the earned interest is calculated by the bank on a monthly basis (if the deposit is open for more than 1 month) and capitalized. Early withdrawal of all funds from the account is made without loss of interest.

Bank Ak Bars - "Good Traditions"

The deposit "Good Traditions" is opened in the presence of an amount of 5 thousand rubles. The interest rate for 30 days under the terms will be 6.2-6.4%. Debit transactions and replenishment of the account by making additional contributions are not allowed. Earned interest is accrued at the end of the term, and in case of early termination, income is paid at the rate "On Demand".

Deposits for 1 month at a high interest rate for pensioners

Deposits with a placement period of 1 month are also available for pensioners throughout Russia. They are distinguished not only by their availability, but also by a high degree of profitability, since for this category of citizens banks develop special programs. As a rule, for registration of such products it is necessary to have a pension certificate.

Bank Ak Bars - "Pension"

When opening a “Pension” deposit from Ak Bars Bank for 30 days and in the amount of 5 thousand rubles, an interest rate of 6.1-6.3% is assigned. It is possible to replenish the account in the amount of 1 thousand rubles or more, as well as debit transactions within the limits of accrued interest. The bank pays interest every month or at the end of the term. Contract extension available. In case of early withdrawal of all funds from the account, an interest rate of 2.5% per annum is assigned.

Sberbank - "Save" (for pensioners)

The minimum amount for the “Save” deposit for pensioners is only 1 thousand rubles. When opening an account for 1 month, an interest rate of 5.1% per annum is assigned. There are no opportunities for replenishment and partial withdrawal of funds, and early termination of the deposit up to 6 months is carried out with the recalculation of earnings at the “On Demand” rate, after 6 months - at a rate equal to 2/3 of the original one.

Asia-Pacific Bank - "Demand Pension Savings Book"

You can open a deposit for pensioners "Pension Savings Book on Demand" without restrictions on terms and amounts, and the interest rate for this offer will be 5%. In addition, replenishment and partial withdrawal of funds from the account are allowed without restrictions.

Advice: many Sberbank deposits are available for opening online. This saves time and eliminates the need for potential depositors to visit the office to fill out documents. This is detailed on the organization's website.

Deposits for 1 month in Moscow banks

In 2017 in Moscow, many banks offer deposits at high interest rates. You can choose almost any terms for storing funds here, including for 1 month.

Promsvyazbank - "My benefit"

When opening a My Benefit deposit in the amount of 10 thousand rubles for 32 days, you can expect the bank to set an interest rate of 6.85-7.25% per annum (depending on the amount actually invested). The deposit is made without the possibility of partial withdrawal of funds from the account and replenishment. Interest is calculated at the end of the term. There are no benefits for early withdrawal of all money; in this case, the recalculation is made at the “Demand” rate.

InvestTorgBank - "Optimal"

In Moscow, you can open any, but the “Optimal” investment can be no less profitable here, which can be opened for 31 days at 7.15%. The minimum deposit amount here is 20 thousand rubles. It is possible to make additional contributions in the amount of 5 thousand rubles, as well as capitalization of interest. There are no benefits for early termination.

Transcapitalbank - "Investment in the future"

The minimum investment amount "Investment in the Future" from the branch of Transcapitalbank in Moscow is 200 thousand rubles. When making a contract for 32 days, the bank sets an interest rate of 7.15%. During the entire term of the deposit, additional contributions are available, and the company pays the profit at the end of the term. In case of early withdrawal of all funds from the account, the rate of 0.01% per annum applies.

Absolut Bank - "Rastivklad"

In 2017, in Moscow, you can open a "Rastivklad" in the amount of 10 thousand rubles for 1 month. The interest rate in this case will be assigned from 6 to 7% per annum. During the entire period, replenishment in the amount of at least 3 thousand rubles is possible, as well as debit transactions up to the amount of the minimum minimum balance. Profit is accrued and paid by the bank after a month. It is possible to extend the contract under the same conditions.

Bank of Khanty-Mansiysk - "Maximum"

To open a deposit "Maximum" from Khanty-Mansiysk Bank for 33 days, you need to prepare at least 5 thousand rubles. In turn, the bank will set a rate from 5.5 to 7.75%. The possibility of replenishment and withdrawal of money is not available, and the profit is paid by the bank at the end of the term. In case of early termination of the deposit, the interest is recalculated at the rate "On Demand".

Advice: to calculate the potential profitability of any deposit, you can use a special deposit calculator. Such services are freely available both on the websites of popular banks and on thematic resources.

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There are many ways to earn money with the help of banks. For example, you can invest in precious metals, coins, and more. But they do not allow you to receive high incomes, which means that this technique can be considered as a way to earn money only if long term and large sums. But you can also open bank deposits, the variety of which implies any terms and amounts. In addition, additional benefits can be obtained by replenishing the account and capitalizing the earned interest. Bank deposits for 1 month can bring passive income quickly and conveniently.

In contact with

Sberbank personifies the guarantor of reliable investments, acting as a guardian in protecting the interests of its clients. And yet, many are concerned about the question of whether to trust the accumulated funds to an intermediary.

Sberbank is a trusted defender of the client's interests

Why are the minds of banking product users excited today? A number of objective reasons reveal the main issues that torment customers:

The long-term practice of providing special banking products developed by Sberbank specialists allows us to conduct a brief analysis and answer questions that arise, dispelling myths, prejudices and idle opinions.

It is important to be a competent user, which means - slowly study all the offers. Professional advice during a meeting or by phone with a Sberbank employee can help with this. The official website of the bank's company is also recognized as one of the most detailed and informative resources presenting banking products.

The best deposits for a period of 1 month from Sberbank

Thinking about the client and his comfort in the process of increasing personal income, Sberbank, being the leader in developing new offers on an ongoing basis, announced the following list of deposits for 1 month in official resources:

• Save and Save online;
• International;
• Savings account.

Short-term deposits provide an opportunity to increase personal savings due to increased interest

rates for a strictly regulated period. Sberbank is advised to choose many financial consultants precisely for the reason favorable conditions for a client on deposits for 1 month.

The conditions for short-term deposits are similar, but a summary of each product may be helpful.

Save and Save Online

The favorite and champion among short-term deposits of Sberbank for those clients who are looking for an opportunity to invest at a high interest rate. There are no risks, and the short term of the deposit allows you to make timely changes in personal finance management.

Benefits and bonuses:

• regulated deposit period – from 1 month to 3 years;
• currency of the agreement: rubles / US dollars / euros;
• the interest rate depends on the deposit currency and ranges from 1.80 to 10.52 (the highest interest is provided for deposits in rubles with a range of 8.41 to 10.52);
• the minimum deposit amount is acceptable and each client will appreciate it: rubles - 1000, euros and US dollars - 100 conventional units.

Restriction - a ban on replenishment or partial withdrawal during the term of the agreement.

international

This package of services allows, at a sufficiently high percentage, to have additional income from playing on changes in the exchange rate of the currency in which the investment was made.

Benefits and bonuses:

1. The term of the deposit is limited to a period of 1 month to 3 years;
2. The yield of accrued interest depends on the chosen deposit currency:

1. Minimum deposit condition:

• Swiss francs - 10,000;
• Japanese yen - 1,000,000;
• pounds sterling - 10,000.

1. Additional earnings on fluctuations in the deposit currency rate;

Restrictions:

• interest is charged at the end of the term;
• replenishment or partial withdrawal is not provided.

savings account

It is difficult to call this deposit a leader in terms of profitability, but it provides a number of other clear advantages and deserves to be on the list to find your client.

Benefits and bonuses:

Limitation - the minimum interest rate is clearly a retribution for the above freedoms:

• rubles - from 1.5 to 2.3;
• euro - from 0.1 to 0.4;
• US dollars - from 0.1 to 0.4.

Each of the proposed deposits has its own strengths, and the choice always remains with the client. Sberbank specialists are always ready to provide additional information 24/7.

Depending on the final goals pursued by a citizen, money can be invested in a short-term, medium-term or long-term deposit. Note that the latter variety is much more common than the first two.

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Nevertheless, banks accrue income, themselves making a profit from investing depositors' money in various financial processes. And short-term investments are often not profitable for them.

Is it possible to issue

Since raising funds for a short period of time is not the best prospect for banks, they are trying to limit the availability of such offers in their product line.

Therefore, you should not be surprised if, having come to a fairly large and reputable bank, deposits with a placement period of 1 month may not be found. But other products - for six months, 1 year, 2 years, 3 years or more - simply cannot be counted.

However, the main goal of financial structures is to make sure that the client is satisfied. And in order to fully take into account the ever-increasing needs, many structures have begun to “rework” their products in order to make them as loyal and attractive to depositors as possible.

There is an unequivocal answer to the question of whether it is possible to make a short-term deposit, and it is positive. But where is it better to apply - to a large, medium or small bank?

Large banks, in general, offer reduced interest on short-term deposits, but you can be sure of the future. The bank will not go bankrupt and disappear with depositors' money just like that, in one day.

Small credit institutions have an increased rate. But the big risks of ending up with “nothing” significantly outweigh all the available benefits.

What in the end to choose, the depositor decides. Nevertheless, it is not recommended to sacrifice reliability for the sake of increased profitability - it is better to get little, but guaranteed for sure.

Terms

Such deposits are usually issued by banks not very willingly. But, given the presence of some demand for such products, credit institutions are forced to adapt to market requirements.

The conditions for short-term deposits are made in such a way that the investor has a desire to extend the deposit.

In most cases, deposits for 1 month provide for automatic prolongation at the end of the term. And so that the client certainly does not take his money, banks develop all kinds of bonuses.

For example, Privat Bank on the Standard deposit provides a monthly deposit prolongation service, each time increasing the interest rate.

Of course, there can be no question of any capitalization of interest (if there is no prolongation). If the term of the deposit is only 1 month, then interest is unlikely to be charged daily - rather, at the end of the term.

Which banks offer

As of 2019, the following structures can offer their clients to open a short-term deposit:

• Opening;
• Raiffeisen;
• AK BARS;
• Tinkoff;
• Absolut Bank.

The above list is not complete. Most banks in the top 50 list credit institutions Russia is given such an opportunity.

To begin with, let's compare the most highly profitable short-term deposits:

	Rosselkhoz	Alpha	Promsvyaz	AK BARS	Tinkoff
The product's name	Classical	Accumulator	my benefit	Good traditions	Savings account
Interest rate	8,05 %	7 %	6,5 %	6,2 %	6 %
Min. down payment	10 thousand
Term	1 month
Accrual %	To a separate account				On the Tinkoff card Black
Periodicity of payment %	Every month	Every month	At the end of the term	At the end of the term	Every month
Receipt operations	Not	Yes	Not	Not	Yes
Capitalization	Not	Yes	Not	Not	Yes
Progressive percent. bid	Not	Not	Not	Not	Not
Partial Withdrawal	Not	Yes	Not	Not	Yes
Special Conditions for Early Cancellation	Not	Not	Yes	Not	Not
Auto-prolongation	Yes	Not	Yes	Yes	Not

Now let's compare another 5 deposits from the 5 remaining banks with much less favorable conditions:

Name of credit structure	Absolute	Sberbank	VTB 24	Opening	Raiffeisen
The product's name	Rastivklad	Save Online	Savings account	My piggy bank	On every day
Interest rate	6 %	4,85 %	1 %	0,1 %	5 %
Minimum down payment	10 thousand
Term	1 month
Interest accrual	To a bank card	To a separate account	To account	To map	To account
Frequency of income payment	Every month
Replenishment	Yes	Not	Yes	Yes	Yes
Capitalization	Yes	Yes	Yes	Yes	Yes
Rate increase on renewal (progressive interest rate)	Not	Not	Not	Not	Not
Partial Withdrawal	Yes	Not	Yes	Yes	Yes
Preferential conditions for early cancellation	Yes	Not	Yes	Not	Not
Auto-prolongation	Yes	Yes	Yes	Not	Not

Obviously, the more opportunities are provided for the deposit, the less favorable the conditions will be.

The first table shows that additional options (replenishment, partial withdrawal, capitalization) practically do not work. But there is a high yield - on average, up to 7% per year.

According to the deposits from the second table, it is noticeable that there are much more additional opportunities, but profitability suffers because of this.

By the way, for all the presented products, there is no increase in the interest rate upon renewal. I wonder how banks intend to encourage depositors to roll over?

How to open

It is clear that the procedure for making a short-term deposit will be identical to that when opening a deposit and for any other period.

In general, the process looks like this:

• the depositor decides whether he really needs a short-term deposit, or is it better to look at proposals for more substantial periods;
• choosing a credit structure that offers the most loyal terms while maintaining an attractive interest rate (you can use the comparison tables above);
• visit an institution with a package of documents (mainly a passport, for foreign citizens - a visa or migration card);
• sign a deposit agreement and deposit funds through the cashier or by bank transfer.

Advice! Many banks allow remote registration. Self-service almost always means increased percentage, however, there are exceptions.

To clarify the possibility of remote opening, you should contact the selected credit institution.

Deposit for 1 month in Sberbank

In Sberbank, only one type of deposits can be issued for a period starting from 1 month. This line includes the following deposits:

• Save (issued at the Sberbank office);
• Save Online (opened through the remote service system).

The above products are subject to the same terms and conditions. The difference lies only in interest rate- for an online deposit, it is slightly higher.

Main conditions of these deposits:

Condition	essence
Min. down payment amount	1 thousand rubles, or 100 dollars, or 100 euros
Term	From 1 month to 3 years (can be issued for any period, with a selection step of 1 day)
Replenishment	Not
Partial Withdrawal	Not
How are interest calculated?	Every month
Capitalization	Yes
Withdrawing or leaving interest	Investor's choice
Prolongation	Provided
Conditions for early termination	If the deposit is made for a short period of time - up to 6 months, early termination is carried out at the rate of the deposit On Demand

On the deposit of Sberbank for a short period of time to receive favorable interest will not work. For example, when investing for 1 month on the Save Online deposit, the maximum yield will be 5.55% only if you invest 2 million rubles or more.

If the deposit amount is from 1 to 100 thousand rubles, you can count on only 4.85% per annum.

VTB 24

The main line of VTB 24 deposits includes three products, however, their terms provide for opening only starting from 3 months.

The only option left is to open a savings account.

Benefits of Savings account in VTB 24:

An income of 7.5% on the minimum balance is the maximum possible. In fact, when opening an account for 1 month, on average, you can get only 3% per year:

Minimum account balance	Income when investing funds for 1 month
Up to 1000	0,01 %
1000 to 15000	1 %
From 15000 to 100000	3 %
From 100000 to 350000	3,5 %
From 350000 to 700000	4 %
From 700000 to 1500000	4,4 %
Over 1500000	4,7 %

Advantages and disadvantages

The main advantage of short-term deposits is to receive a guaranteed income with minimal risks. After a month, the investor can withdraw his funds and not lose the accrued income.

But among the shortcomings can be identified reduced profitability. Not every bank is ready to offer a profitable interest “at a loss”.

In addition, not every credit structure can extend a short-term deposit. If this is not possible, and the investor's plans have changed, he will have to look for a new product or re-register the current one.