The most profitable deposits for pensioners. Profitable time deposits for pensioners

Today, the search for the best deposits that Moscow banks can offer for pensioners is becoming an increasingly popular request. Often people of retirement age are looking for convenient investment options in reliable companies that will allow them to receive a small but stable income in addition to their pension.

general information

Today, in the capital of our country, more than 150 banking organizations offer their services for registering deposits for individuals, and, in particular, for retired people. If this is your first time making a deposit, then the question may arise: how to choose the most suitable program from all this variety?

1. Choose only reliable companies that have a fairly long work experience - from 10 years, you can view the reliability rating by,
2. Choose only those banks that are participants in the state deposit insurance system. It is in these organizations that your savings will definitely not be lost, but will be reliably insured. More details,
3. Pay attention to interest rates, the higher they are, the greater your profit will be. If you want to deposit additional amounts into the account, you need deposits, if you want to be able to withdraw some money from the account -.

If you compare different offers, the most advantageous offers are from commercial banks- up to 9% per year, and in large government organizations, such as Sberbank of Russia and the maximum yield does not exceed 7-7.5% per annum. To open a deposit, you must have a pension certificate and a passport of a citizen of the Russian Federation.

You may also come across advertisements from all sorts of cooperatives about admission Money from the population at huge interest rates of up to 14-17% per annum, and at the same time the deposits are supposedly insured. We urge you to carefully study the reviews of other clients, find out exactly where deposits are insured, and how long this company has been operating on the market, because every second cooperative gains money and disappears, declaring bankruptcy.

Best programs

At the time of writing, a rating of capital banks was compiled, where pensioners can count on products specially created for them with loyal conditions:

1. Solidarity - offers the highest yield from 7.65% to 8.1% per year. They accept from 1000 rubles for 395 days or 540 days with the possibility of replenishment and partial withdrawal. Interest is paid monthly with capitalization; you can terminate the contract early on preferential terms;
2. offers to open a “Grand” deposit with an amount of 1 thousand rubles or more. Its validity period is 370, 540 or 730 days, you can receive income every month. It offers a high income - up to 8% per year, replenishment is allowed;
3. — you should contact here if you need to invest 10 thousand rubles or more with the possibility of replenishment. It is accepted for 1 year with the possibility of replenishing the account, yield is up to 8% per annum with monthly payment or capitalization. You can terminate the contract early on preferential terms;
4. Interprombank has a target deposit “Pension”, which can be opened with an investment of 30 thousand rubles or more. The contract is opened for 181 or 367 days, the interest will be from 7.7% to 7.8% per annum. Accrual occurs at the end of the term with capitalization, partial withdrawal is allowed;
5. Rusnarbank - here you need to place an amount of 10 thousand rubles. for one year, with the possibility of making additional amounts to increase profits. Interest payments (up to 7.65%) occur monthly, there is early termination on preferential terms;
6. I am ready to offer favorable conditions - the deposit amount is at least 1000 rubles. for 12 months, income up to 7.5% per year. Replenishment is allowed, payments are made monthly;
7. — here you will also find a profitable targeted program for older people. You need to invest from 10,000 rubles for 181, 360 or 390 days, your rate will vary from 6.2% to 7.5% per year. Interest is paid every month, additional amounts can be deposited into the account;
8. At Gazprombank you can also open a “Pension Savings” deposit at a high rate of up to 7.5% per annum, provided you deposit at least 15 thousand rubles. It will be valid for 2 years, the investor will be able to close the account early, while income is received annually, or at the end of the term with capitalization;
9. At Sberbank of Russia, we recommend paying attention to the seasonal “Catch a Profit” deposit. It will be necessary to deposit from 50,000 rubles for a period of 5 months, 1 year or 1.5 years, the profitability depends on this, it ranges from 7.1% to 7.65%. You can receive interest upon expiration of the contract, look for details
10. NS Bank - the NS Pension product operates here, with a rate of up to 7.45% per annum. From the conditions you will find: a down payment of at least 10 thousand rubles, which can then be replenished. The term of the agreement is 12 months, the deposit provides for payment of interest monthly, or with capitalization.

Older people are prudent, thrifty and tend to keep savings in the form of bank deposits. Lending institutions have appreciated these qualities and are developing more and more financial products specifically designed for retirees.

The best ruble deposits for pensioners in 2019

Clients financial organization often encounter search problems best offer, investing in this concept the maximum percentage of passive income. The table shows the rating of credit institutions in Moscow, by comparing the conditions of which you can choose best option:

Programs from Sberbank, which is popular among senior citizens, were not included in the rating. The credit institution does not offer good interest rates on deposits for pensioners. Sberbank products that provide passive income are also not very diverse. A profitable pension contribution in Moscow can be made at another financial institution.

Contribution Leadership Strategy Zenit Bank

A product specially designed for clients of the insurance company (hereinafter – IC) LLC IC “RGS-Life”. Conditions:

• Passive income rate – progressive (increasing):

• Range of contribution amount: 100 thousand – 3 million rubles.
• Deposit period: 300 days.
• There is no interest capitalization.
• Payment of interest at the end of the deposit contract, if there is a valid ILI agreement with IC "RGS-Life".
• Special condition: the ability to register the product online – through mobile bank, using Internet banking.

A product designed for retired people. A deposit can be opened by presenting a passport of a Russian citizen and a pension certificate. Conditions:

• Account currency: rubles, US dollars, euros.
• Passive income rate – effective (account replenishment due to interest capitalization is taken into account):

• The range of contribution amounts in rubles is from 10 thousand to 100 million, in US dollars - from 300 to 10 million, in euros - from 300 to 10 million.
• The deposit period is 366 days.
• Capitalization and interest payments are monthly.
• Special conditions:

1. there is auto-renewal;
2. early account closure on preferential terms at the rate:

Optimal deposit for 3 years from Credit Europe Bank

A product aimed at the audience of the Banki.ru portal. When registering, you should receive a promotional code by submitting an application through the official website banki.ru. Conditions:

• Account currency: rubles or US dollars.
• Passive income rate:

• The range of the contribution amount in rubles is from 100 thousand to 100 million, in US dollars – from 3,000 to 10 million.
• Deposit period: 1096 days.
• There is no capitalization %.
• Interest is calculated monthly.
• A special condition is the possibility of auto-renewal.

Replenishable deposit Akibank Pension

A profitable replenishable pension deposit with interest payment at the end of the contract. Conditions:

• The account currency is rubles.
• Passive income rate:

• The deposit period is 367 days.
• There is no interest capitalization.
• Special conditions:

1. there is auto-renewal;
2. replenishment is provided;
3. partial withdrawal of funds is possible, the minimum balance is 5 thousand rubles.

Pension Savings Deposit from Bank Center-Invest

A product for older people who prefer to combine a deposit and an account for non-cash servicing of pension savings, including non-state benefits, with the ability to make financial transfers and withdraw money. Conditions:

• The account currency is rubles.
• The passive income rate is 7% per annum.
• Contribution amount range: 10–100 million.
• The deposit period is 365 days.
• There is no interest capitalization.
• Payment of interest at the end of the contract.
• Special conditions:

1. there is auto-renewal;
2. partial withdrawal of funds is possible.

Top 5 profitable deposits in reliable banks for pensioners

Most of clients of retirement age, when choosing profitable pension deposits in banks, are interested not only in the high annual interest rate on the deposit, but also in the stability of the work of the partner credit institution itself, its reliability:

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The variety of services offered by banking institutions today satisfies the demands of completely different clients. Among the many products available in the banks' arsenal, everyone can choose what suits them. Particular attention should be paid to proposals for individual categories citizens. Thus, deposits for pensioners with maximum interest in Moscow allow you to get increased profitability, which makes them more profitable compared to other offers.

Under what conditions are pension deposits opened in Moscow?

Among the many programs available to the population, deposits provided to pensioners stand out for their favorable conditions. If the bank’s products include just such an option, if you have the right to use it, this is most often the optimal solution.

Some of the features of the conditions under which pension deposits are issued in banks in Moscow include the following:

• increased interest rate;
• low thresholds for opening an account;
• the possibility of both partial withdrawal and deposit of additional funds.

Some banks offer the transfer of accumulated interest directly to a bank card, which is quite convenient.

In order to be able to open deposits for pensioners in Moscow, you must meet literally several requirements, the main one of which is the following: reach retirement age. The supporting document is a pension certificate, which must be presented. For those who are entitled to early retirement, preferential terms also apply.

Where to find the most profitable deposits for pensioners in 2019 in Moscow?

Our portal will help you navigate the many offers available on the market, where you can find actual information on a question of interest. Now everyone can find out in one place what interest rate on deposits for pensioners is currently offered by Sberbank, VTB, Post Bank and any other in a particular city.

Please note that the rate on deposits for pensioners, as well as on all others, is not always a fixed value. Availability of capitalization is also important.

The process of comparing the profitability of offers is simplified by automatic calculations of estimated income made by the built-in calculator. To do this, just enter the following data in the special fields:

• planned period for placing the deposit;
• available amount of funds.

The presence of additional filters allows you to quickly select only those offers that meet your wishes for the terms of the deposit. This eliminates the need to waste time looking through all the options.

Unlike the situation with loans, when it is difficult for pensioners due to age restrictions, things are better with deposits for pensioners. As a rule, there are no age restrictions at all. Anyone who presents a special certificate confirming their status can make a deposit.

What conditions do Russian banks offer for pension deposits?

It is beneficial for pensioners to leave money in financial institutions because they have high interest rates. Why? Because this category is reliable and stable. Retirees typically have savings and rarely withdraw them early.

At the same time, interest rates for pensions most often do not depend on the terms. You can get a favorable rate for a deposit, for example, for two years.

Other deposit options for pensioners are also more profitable than for other clients:

• small opening fee;
• possibility of automatic extension of the contract;
• refill.

It is convenient to receive pension payments. Such interest-bearing deposits for pensioners will be less profitable, but more stable. To accumulate savings the best option for today - a fixed-term deposit.

It is more convenient to find a suitable offer for individuals of retirement age using search queries.

A pension deposit is a special banking product for pensioners, usually characterized by a high interest rate. Many credit institutions offer this service.

Some banks do not have separate programs for pensioners. However, regular deposits may receive special conditions. For example, in B&N Bank. When making a deposit, indicate that you are a pensioner and you will receive a higher percentage. By the way, at Binbank not only clients of retirement age can count on such an offer, but also people who have less than 3 months left until retirement.

Deposits for pensioners in other regions

All banks and offers in regions and cities of Russia

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• Changes in rates

  Gazprombank increased deposit rates

  Gazprombank has revised the profitability of combined and replenishable deposits. For the deposit service “Gazprombank - For Life”, the maximum rate of return has increased to 6.95% per annum. The deposit can be placed for a period from 3 months to 3 years. The minimum deposit amount is 15 thousand rubles or 500 dollars/euro. The deposit is replenished. Partial

  March 18, 2019

• Changes in rates

  Gazprombank increases deposit rates

  Gazprombank is making branded deposits more attractive. For the “Your Success” deposit, the marginal rate of return has increased to 7.84% per annum. The rate is provided when placing funds for a period of 1.5 years (547 days). The deposit can be made until the end of May. The minimum placement amount is 300 thousand rubles. The deposit is non-replenishable. Issue

  27 Feb 2019

• Legislation

  The Prosecutor General's Office will know about the foreign contributions of Russian officials

  The bill expanding the powers of the Prosecutor General's Office successfully passed its first reading. The authors of the legislative initiative propose to give it the right to request information from foreign National Banks about the deposits of Russian civil servants. This anti-corruption project involves introducing amendments to the laws “On Banks and Banking Activities”,

  13 Dec 2018

• Who is better

  OTP Bank entered the TOP 50 largest banks in the Russian Federation by volume of deposits

  According to the Kommersant publication, OTP Bank occupies 46th position in the ranking of financial institutions in the country in terms of the volume of attracted deposits. As of July 1 of this year, this figure for the bank was 41.6 billion rubles. On July 1 last year, OTP Bank occupied 47th position in a similar rating by Kommersant with a rating indicator of 40.2 billion. Neighbors

  29 Aug 2018

• New Product

  Bank Vozrozhdenie presented a “Productive” deposit

  CB Vozrozhdenie presented two new deposits. The “Effective” deposit can be issued in rubles or dollars. The financial product “Investment in the Future” is an investment-cumulative one. The rate on the “Resultative” deposit is 7% per annum in rubles and 2% per annum in dollars. The deposit is opened for 1 year. Deposit replenishment is possible within

  June 09, 2018

• Current

  DIA began paying depositors of the New Credit Union and Elbin banks

  On May 8, the Deposit Insurance Agency began making payments to depositors of the capital's New Credit Union bank and the Elbin bank from Makhachkala, reports the DIA. According to the register of obligations of the Moscow bank, about four hundred depositors can apply for insurance payments. The total size of their demands will be almost

  May 14, 2018

• Current

  RF Armed Forces: case of bankruptcy at the expense of depositors

  The investor reached Supreme Court and challenged the decisions of previous authorities. The RF Armed Forces pointed out that Sayfutdinov received the money on February 11, and left a request for the issuance of money on January 26, when the revocation of the license was categorically unknown, and the bank was conducting a measured economic activity. In addition, Sayfutdinov was a creditor

  April 20, 2018

• Financial results

  Rossiya Bank increased its deposit portfolio by 1.5 times

  At the end of 2017, Rossiya Bank managed to increase its portfolio of deposits placed individuals, more than 1.5 times - up to 73 billion rubles. Over the past year, Rossiya Bank issued about 530 thousand plastic cards of the Mir system. The volume of non-cash financial transactions in the retail sector increased across the bank by 73% - up to 15 billion

  24 Jan 2018