5 most profitable bank deposits today (March 2022)

Sberbank did not stand aside from the increase in interest on savings products and updated the tariff for Sberinvest. Now, individuals, including pensioners, can receive up to 21% per annum on it. This rate is valid when placing funds for a period of 1, 2 or 3 months. If you put money for 6 or 12 months, then the percentage will be 16 and 13, respectively. Such conditions for the size of the rate apply when opening a deposit online, in case of contacting bank employees, the rate will be 1% lower. The minimum amount of placement in Sberbank is from 100,000 rubles. Interest is calculated at the end of the term. Partial withdrawal of funds is not provided, but replenishment is possible.

The "Optimal" deposit from Sovcombank promises individuals an income of up to 23% per annum, but it can be received only in one case, namely when placing funds for a period of 3 months. Despite this, we could not but include this offer in the list of the most profitable to date, because even for a short period of 23%, not every bank is ready to offer. You can place money in Sovcombank for other periods, but the rates will not be impressive at all. The minimum deposit amount "Optimal" starts from 50,000 rubles. Additional deposits are possible, but their volume is limited - you cannot deposit more in total than was on the deposit 10 days after it was opened. But withdrawals are not provided.

Renaissance Credit offered truly generous conditions in terms of interest on deposits, because here it reaches 25% per annum. However, not all so simple. The maximum 25% can only be received on a deposit for a period of 31 days and opened in the Internet or mobile banking. With a period of placement of funds for 3 months, the percentage will also be very profitable 23%, for 6 months 21%, but for a year it is only 10%. If you apply to open a deposit at a bank office, the rate will be 1% lower. The minimum deposit is only 5,000 rubles, operations for depositing additional funds or withdrawing part of them are not provided, interest is accrued at the end of the term. The Renaissance Special deposit is valid from March 2, 2022. Most likely, the conditions for it will change.

Among the banks of Moscow, which are also represented in other regions, one of the most advantageous offers for today is the “Right Choice” deposit. You can open it at the Moscow Industrial Bank, receiving 24% per annum, subject to the placement of an amount of 30,000 rubles for a period of 3 months. The deposit is also available for 1 or 6 months, but the rates will be lower. Both withdrawals and replenishments are not provided. You can make a deposit "The Right Choice" both for yourself and in favor of third individuals. It is also possible to place funds in dollars or euros, which is currently not offered by all banks. For accommodation for up to 3 months, this offer is currently the most profitable.

Otkritie Bank offers favorable conditions for investing funds for different people, but the most attractive ones are for payroll clients and pensioners. Especially for these categories of individuals, the bank has developed the "Reliable Partner" deposit, for which the percentage reaches 22% per annum. You can get the maximum rate when placing funds for 3 or 6 months, as well as if you choose to receive interest at the end of the term (options are also possible at the beginning of the term and monthly). The minimum deposit amount is 50,000 rubles, withdrawals and replenishments are not provided. You can also apply for a "Reliable Partner" for 1, 1.5 or 2 years, but the rate will be lower. To date, the offer of Otkritie Bank can be called one of the most profitable in Moscow and other regions for placing funds for 6 months.