Top 10 deposits for retirees

Sberbank allows you to open a deposit from the very minimum - 1 ruble. For 3 years, he will pay an income of 11 kopecks for this amount, although the initial rate is 3.5%. The fact is that the program provides for the capitalization of interest, so that over time, the effective rate can almost triple and reach 11.02%. It is logical that in case of early termination of the contract, its size is recalculated. The institution is loyal to the partial withdrawal of funds and only requires not to cross the irreducible threshold - its amount is stipulated in the conditions.

It is important that the bank has been a member of the Deposit Insurance System since 2005, and all its depositors, including pensioners, are guaranteed to receive their funds in the amount of 1.4 million rubles. However, Sberbank is the largest backbone organization, so the owners of savings can be sure of their financial security.

Under the terms of the Pension deposit, the highest fixed rate is paid - 6.2% without additional conditions. It is allowed to start from the amount of 50,000 rubles, it can be replenished monthly by 20,000 rubles at the branch or without restrictions on the amount - through an ATM. The validity period is not the longest - only 36 months, it can be extended for the same period. At the same time, it is impossible to partially withdraw money - only terminate the contract. If this event occurs before the 390th day, the income will be accrued at the minimum rate "On Demand" - 0.1%, if after - they will be generous by as much as 5.75%.

This offer is interesting to wealthy pensioners. They benefit from the fact that the rate is fixed for the whole year, despite the fact that interest is not capitalized. Upon opening the program, they can apply for a My Life card. Each time when its holder pays for a communal apartment, he is credited with 5% cashback and another 1% for all other purchases.

Gazprombank compensates the minimum interest rate of 2.6% with useful extras in the form of capitalization of the deposit amount, the minimum deposit amount (from 500 rubles), replenishment throughout the entire validity period, permission for partial withdrawal and automatic prolongation for the next 367 days. Such a loyal approach, although it will not provide the client with super-profitability, will make his relationship with the bank calm.

In the reviews about the institution and this program, the reviews are contradictory. On the one hand, they praise the high speed of the work of employees, pleasant deposit conditions and their honest implementation, on the other hand, they blame the intrusive advertising offers and the modest size of the bet.It is inconvenient that you need to go to a bank branch to open a deposit. Also, not everyone takes into account that since 2021, the income of individuals in the form of interest on deposits and accounts is above 42,500 rubles. taxed at 13%.

You can invest from 1 thousand to 10 million rubles on this deposit. At the same time, Uralsib is ready to store it for a period of 3 months to 2 years. Replenishment of the deposit is available even on the last day of storage of funds. But you can’t withdraw money from the deposit - only capitalized interest is available for withdrawal. Also, they can be immediately credited to a separate account, without adding to the total contribution. The rate will be maximum if you invest for 3 years with capitalization.

It's nice that Uralsib allows you to open a deposit upon reaching the pre-retirement age - 54 years for women and 59 years for men. But you still have to take a document confirming the status of a pensioner or veteran with you. So it is not necessary to be an active pensioner or veteran and provide the relevant documents. It also pleases the opportunity to receive half of the interest rate for early termination of the contract, but only if the money on the deposit has already lain for at least 181 days.

The Moscow Credit Bank respectfully calls pensioners grandees and offers them a deposit of the same name with a rate of 6%. The plus in the name of the program means that the percentage can be raised to 6.5% if the contributor transfers his pension to the MKB and makes a deposit after receiving it for the first time in a new place.For all pensioners, the Wisdom card is opened, the receipt and maintenance of which is free. Its benefits are also obvious: 4.5% of the balance is received monthly, and cashback up to 25% is credited when shopping in partner stores.

You can invest even 1000 rubles and up to 10 million. Within 90 days, the amount can be increased by online transfer, interbank transaction, via terminal or in person at a bank branch. He is not ready to capitalize the amount, but he pays interest regularly, every month, on the same day when the contract was concluded. It is proposed to control the correctness of accruals remotely - through a mobile application or Internet banking.

One of the few banks that are ready to accept for storage and pay interest on foreign currency. In addition to rubles, pensioners can receive income from dollars and euros. The interest is small - a maximum of 6.15 points is paid for a deposit of 50,000 rubles. for a period of 2.5 years (910 days) and without monthly payments. In dollars and euros, the remuneration is max 1.2% and 0.1% respectively. The program allows you to increase your contribution only within 90 days, but within the maximum amount - 2 million rubles, 2 thousand dollars. and 2 thousand euros. But the client can open up to 4 deposits with different expiration dates.

The minus of the offer from Natsinvestprombank is the lack of capitalization. This means that pensioners cannot receive income from interest already accrued, since they are not added to the amount of money in the depositor's account. On the other hand, placing your savings in different currencies is beneficial because there is a certain degree of protection against the fall of any of them.

Convenient option with a few limitations. Allows you to comfortably place a deposit without losing the ability to manage money (albeit incomplete). The size of the contribution varies from 15 thousand to 10 million rubles. OTP Bank will keep money for 3, 6 or 12 months. During the term, the deposit can be replenished. But the deposit has a limit on additional contributions equal to 10 times the initial amount. Also, money cannot be deposited during the last month of the term. Debit transactions are allowed. But only in the amount of interest received on deposit and capitalized.

The best rate is easy to get. To receive it, it is enough to deposit an amount from 100 thousand and 1 kopeck to 10 million rubles for a period of 6 months. This is the best offer for placing money for six months - you do not need a large amount, and the rate is quite high. In other cases, annual rates range from 5.7% to 6.27%. It is important to remember that if you withdraw more money from the deposit than was capitalized in the form of interest, then the contract with the bank will be terminated.

Pensioners are not always able to understand the key conditions of the deposit - they need qualified assistance. Employees of Russky Narodny Bank are ready to provide it, specifying the percentages, suggesting where payments will be credited, how to draw up documents, etc. For people of retirement age, they offer a program with an increased rate of up to 6.10% (online deposits - up to 6.15%) with a small initial payment from 10,000 rubles.The institution pays income monthly to a card or current account, but capitalization of funds is not provided, as well as partial withdrawal.

You can choose the term of the deposit yourself - 181, 367 or 731 days. Early termination of the contract is allowed and even on preferential terms - at a rate of 1.5%, starting from the 61st (or 182nd) ​​day of its validity. Of the other nice buns - the ability to replenish savings, which is often a moratorium in other programs. You can open a deposit in the office of Moscow or Belgorod, online application is also available.

An excellent investment option with many options. It allows you to manage money the way you want, which is why it is considered the most convenient among all. It is interesting that even 500 rubles can be put at interest - this is the minimum down payment. The maximum amount is 10 million rubles. There are three options for terms - for 1, 2 and 3 years. Interestingly, women over 55 and men over 60 do not need to provide a pension certificate. Rosselkhozbank offers a single interest for all terms, regardless of the amount of the deposit or its duration. Your rate will always be 6.25% subject to capitalization, which is included in the terms of the contract.

Pleases with an extensive set of options for pensioners. The deposit can be replenished, withdraw money from it without losing the rate (provided that the minimum balance of 500 rubles remains), capitalize or withdraw accrued interest. You can even make a deposit for a minor.Rosselkhozbank is most profitable when you need to deposit money for a long time - the best rate of 6.3% is achieved when depositing funds for 3 years.

The first place is occupied by an excellent offer for pensioners who have a lot of free money to deposit. The deposit allows you to deposit any amount from 10 thousand rubles for 366 days at a maximum rate of 7.75%. It is impossible to increase the deposit or withdraw part of the money. But there is an opportunity to connect capitalization, which will allow you to raise the rate to 7.85%. So it will be possible to organize a good (depending on the size of the deposit) increase in the pension. To conclude a contract, you will have to present a pension certificate.

The maximum rate is available for depositors who have deposited at least 50 million rubles into their account. For owners of 10 million and above, the percentage will be 7.55%. And everything below will be under 7.25% per annum. Even with a minimum investment, you get a fairly high rate. I am glad that the deposit allows you to withdraw money from the account ahead of schedule (that is, to terminate the contract), but at the same time receive interest. Unfortunately, not all - only from 1.05 to 3.55% per year, depending on the term and amount of the deposit.