The rapid growth of the dollar and the euro in recent months practically leaves no chances for prospects of deposits in rubles. For example, the official rate of the Central Bank of the US dollar on July 8, 2014 was 34.56 rubles, and after exactly 4 months the official dollar exchange rate is 47.88 rubles. It is not difficult to calculate that the dollar rate for 4 months increased by 38.5 percent, while the maximum rate on deposits in rubles is 12 percent per annum today. Therefore, even simple storage of funds in dollars with periodic exchange of them into rubles makes it possible to multiply their savings much more efficiently than to open a deposit in rubles. It is even more effective to open a deposit in dollars.
This rating presents deposits in dollars under the highest interest( at least 6.75% per annum) in Moscow for November 2014.In the rating were included only those deposits that fall under the law on deposit insurance, i.e.open for an amount equivalent to a maximum of 700 thousand rubles. At the current rate, this roughly corresponds to 14.6 thousand dollars.
6 place. The "Constant" deposit is Arksbank. The minimum deposit amount is 300 dollars. The term of the deposit is from 1 month to 2 years. For a period of one and a half years, the deposit interest is the highest and is 6.75%.For a period of 1 month, the rate is 5.60% per annum. There is a possibility of replenishment. Payment of interest on a monthly basis.
5 place. The "Optimal" deposit is Bank Express-Credit. The minimum deposit amount is 300 dollars. The term of the deposit is from 1 month to 3 years. For a period of 1 month, the interest rate is 1.5% per annum. For a period of 1, 2 or 3 years - 6.8%.Payment of interest each month.
4 place. Deposit "Maximum" - Bank Express-Credit. The minimum deposit amount is 300 dollars. The term of the deposit is from 1 month to 3 years. For a period of 1 month, the interest rate is 1.5% per annum. For a period of 1, 2 or 3 years - 6.8%.There is a possibility of replenishment. Payment of interest at the end of the term.
3 place. Contribution "Foreign exchange income" - Centcombank( not to be confused with the Central Bank).The minimum amount of the deposit is 1 thousand dollars. For a period of 3 years the rate is 7 percent per annum. There is a possibility of replenishment. Partial withdrawal is allowed in the amount of interest accrued.
2 place. The foreign currency deposit is MDM Bank. The minimum deposit amount is 10 thousand dollars. The term of the deposit is 3 years. The interest rate is 7 percent per annum. Deposit without the possibility of replenishment. Payment of interest at the end of the term. When opening a deposit, a free gift is added-free issue and maintenance of a Visa Gold / MasterCard Gold / Visa Platinum / Visa Infinite payment card. Of the banks represented in this rating, MDM Bank is most trustworthy sincehe was on the list of the most reliable banks in Russia in 2013.
1 place. Deposit "Profitable" - Arksbank. The minimum deposit amount is 3 thousand dollars. The term of the deposit is from 1 to 2 years. For a period of 2 years, the rate is 7 percent per annum. For a period of 1 year - 6.5 percent per annum. There is a possibility of replenishment. Interest is paid out every 90 days.
