Where to put money for a month - an overview of term deposits in Russian banks. Where to put money for a month - an overview of term deposits in Russian banks Deposits for a period of 1 month

For those who have a reserve of US dollars, the question is whether it is possible to “attach” them in our country and make money on it. Let's talk about several ways to invest American currency that can bring income.

topical

Best mobile banks 2019

The Markswebb agency published the results of its research on banking mobile applications. This information will help to get an idea of ​​the state of mobile banking in the country and its development trends.

What to do with torn dollars or euros

After a vacation abroad, sometimes there is currency left. If some of the money is torn or coffee stains remain on the banknotes, the ATM will refuse to credit them to the account. But damaged banknotes can be exchanged for new ones. We tell you how.

Military housing certificate: who is supposed to and how to use it

A military housing certificate (VZhS) is a form of assistance to military personnel in the acquisition of housing (valid along with a military mortgage). Let's figure out who is entitled to such a certificate and how to use this document.

topical

Banks or cryptocurrencies. Where is the best place to invest

The “cryptocurrency fever” that excited Russians last year has already subsided by 2018. Now that bitcoin has stopped showing peak growth dynamics, it's time to take a sober look at things and decide where it is better to invest money.

Testamentary disposition on deposit

Money in the accounts of credit organizations is included in the estate. It is not necessary to make a will in relation to them - it is enough to issue an order on the deposit. This method does not require the participation of a notary and extra costs. Let's figure out how to issue such an order.

• banking discussions

  Supreme Court of the Russian Federation: the case of the withdrawal of the deposit on the eve of the collapse of the bank

  The case reached the RF Armed Forces. The troika, chaired by D. Kapkaev, pointed out that transactions from March 1 fall within six months before the appointment of an interim administration, the rest - within a month. In order to recognize the transactions of March 29 and 30 as invalid, the DIA must only prove that when issuing money from deposits, the defendant was

  May 14, 2019

• New Product

  Far Eastern Bank expanded the range of online deposits

  The assets of the Far East Bank have new online deposit services. The maximum rate on the Millionaire Online deposit is 5.9% per annum. The rate is provided when placing funds for 12 or 18 months. The minimum amount to be placed within the product is 3 million rubles or 35 thousand USD/EUR.

  26 Apr 2019

• Legislation

  Deputies propose to increase insurance payments to depositors

  Legislators believe that certain categories of citizens should increase the amount of insurance compensation to ten million rubles. The corresponding bill has been submitted to the lower house of parliament. We are talking about people who, for a number of reasons, have more money in their accounts than the state can guarantee to return. For example, if

  05 Apr 2019

• Energotransbank offers to open deposits with increased profitability

  Until the end of March, Energotransbank customers can make deposits with higher yields. The rate of 7.5% per annum is provided when opening the "Income Plus" and "Income Plus Online" deposits. The programs are available to clients of the financial structure who already have active deposits. At the same time, the “Income Plus” and “Income Plus Online” deposits are opened

  26 Feb 2019

• Changing rates

  Plus, the Bank has improved conditions for two deposits

  Plus, the Bank raised interest rates on two ruble deposits. "Annual Plus" can now be opened at 7.6% (instead of 7.25%). The term of the deposit program is fixed and is 370 days. "Stable Plus" - at 7.65% per annum (instead of 7.5%). The contract is concluded for 550 days. The minimum amount to be placed on both deposits is 50 thousand rubles

  31 Oct 2018

• Changing rates

  Increased profitability of Primsotsbank deposits

  The maximum rate on ruble deposits of Primsotsbank increased to 7% per annum. The rate is available within the "Special" deposit service. The savings program implies placing at least 50 thousand rubles on a deposit account for 1 year. The deposit can be replenished during the first 9 months of its validity. The amount of the additional contribution

  01 Oct 2018

• New Product

  OTP Bank presented a deposit with a yield of 9%

  The new deposit product of OTP Bank "Zashchitny" helps depositors to receive an income of 9% per annum. The deposit is opened in the amount of 100 thousand and up to 10 million rubles. The term of placement of funds is six months or a year. The deposit rate is “stepped” and gradually decreases from 9% (first period) to 3.2% (third period of a semi-annual deposit)

  June 13, 2018

• New Product

  Transcapitalbank offers to issue a "Holiday" deposit

  “Festive” is the name of the new deposit of Transcapitalbank. The maximum rate within the tariff plan is 7.75% per annum. To receive the rate, depositors must make a deposit for 420 days. With the placement of funds for 210 days, the rate on the deposit will be 7.5 percentage points. The minimum amount to be placed within the framework of the deposit

  20 Apr 2018

Bank deposits are still the most reliable way to invest your own savings and receive passive income from them. Today, each owner of equity capital has a unique opportunity to choose the most profitable offer in commercial banks, for the reason that the market for offers 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 at a high percentage.

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 termination of the contract 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 a term deposit for 1 month, then the offer from Avangard Bank "Basic Internet" 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 is a commercial bank, the branch of which 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 for 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.

Alexander Kaptsov

Reading time: 10 minutes

A A

Wanting to increase our own savings, we most often consider the possibility of opening a deposit account with a bank at a favorable interest rate. Term deposits are one of the types of such deposits offered by Russian banks. They are issued for a month, three months, six months and a year. It is assumed that during the agreed period the client does not withdraw his money from the account.

Interest on time deposits can be paid monthly or upon expiration of the agreement. Any of these deposits, with some exceptions for monthly deposits, implies the possibility of replenishing the initially invested amount (negotiated individually).

Is it worth making a term deposit for 1 month - conditions for opening a deposit and rates on term deposits in Russian banks

Banks are not very willing to include term deposits for a month in the programs offered on deposits, since they cannot be used for long-term investments, and their maintenance costs are much higher. However, such deposits are offered and can be opened by both legal entities and individuals.

It is impossible to unequivocally determine the banks where the conditions for opening a deposit and interest on term deposits will be the most attractive. Their choice is most often influenced by the amount of cash investments and the degree of personal trust in a particular credit institution. Rates on time deposits for individuals vary within 4-10% per annum, for legal entities, the yield will be slightly higher.

Although Russian banks set different interest rates on deposits, most of them have in common special conditions for depositors who place their savings via the Internet online. In this case, customers have higher incomes. Also, some banks offer people of retirement age an increased percentage. It is possible to place term deposits in US dollars and euros.

What documents are required to open a term bank deposit for 1 month?

In order for a client to be able to open a term deposit in a bank for a month (or another period), he will need to conclude an agreement. The contract is executed upon presentation by the depositor of a document proving his identity.

It is enough for Russian citizens to provide:

• Passport of a citizen of the Russian Federation;
• Seafarer's passport;
• Military ID or military ID.

Citizens of other states and stateless persons present:

• Passport of a citizen of a foreign state;
• Migration card and to it one of such documents as a residence permit, temporary residence permit, visa.

For refugees, the official document will be a refugee certificate.

The whole procedure of registration of the contract usually takes 15-30 minutes. When signing it, it is recommended to check with particular care what is written in the document: the dates of opening and expiration of the deposit, the interest rate, the correct spelling of passport data, the place of registration. The agreement should also indicate the possibility of replenishing the account and early withdrawal of the amount of money. The minimum age of an individual who allows him to open deposits or bank accounts is 14 years (after the child receives a passport).

The most favorable conditions for term deposits in rubles in Russian banks - 10 best offers of interest rates for term deposits for a month

Although Russian banks provide depositors with the opportunity to open short-term deposits at different interest rates, the longer the term of the agreement, the higher the interest rate, as a rule. Let's consider the most profitable offers for time deposits in rubles in Russian banks, after monitoring existing deposits.

Placing on the bank deposit "The Right Choice" from 15,000 rubles for a period of 1 month, you can have a yield of 10.63% per annum. Higher rates on short-term loans are not offered by any bank in Moscow. In case of early termination of the contract (money is withdrawn earlier than after 31 days), the rate drops to 0.01%. Funds can be on deposit for no more than 550 days. Partial withdrawals are allowed, automatic renewal is assumed.

2. Bank INTERKOMMMERTS

Under the Fireproof Deposit program, the bank's clients can open a term deposit for a month with a guaranteed 10% annual rate. The minimum deposit is placed for 31 days, if at least 10,000 rubles are deposited into the account. Depositors are given the opportunity to replenish and partially, up to 50%, withdraw funds, as well as early termination (at the initiative of the client) and automatic prolongation. The deposit rate does not depend on the amount of funds deposited and the terms of the contract.

When opening a “Multicurrency” deposit (from 3,000 rubles and more, for a period of one month), customers are guaranteed a fixed interest rate of 9.4% per annum. Opening an account can be done in several currencies at once, which are easily converted within the deposit itself. The interest rate does not depend on the amount of the deposit, the possibility of replenishment and partial withdrawal of funds from the account is not provided. Prolongation of deposits is carried out automatically.

Bank's name	Name of the deposit	Replenishment of the deposit, rub.	Minimum deposit, rub.	Interest, %
2T Bank	2Tcontribution	Yes	1	10,0%
Ivy Bank	Ivy Plus	Yes	10000	9,6
Zlatcombank	natively stable	Yes	50000	8%
Sudostroitelny Bank (SB)	Profitable	Yes	50000	7%
Rosselkhozbank	Classical	No	3000	6,0%
VTB 24	Profitable Telebank (online mode)	No	10000	5,3%
Sberbank	Save online	No	1000	4,7%

The nuances of drawing up a term deposit agreement

How to avoid mistakes and misunderstandings when signing a term deposit agreement with a bank? Experts strongly recommend double-checking all the data entered in the document:

• On changing the interest rate (the bank does not have the right to lower the interest rate unilaterally, this requires the consent of the client);
• About the presence of penalties in case of premature termination of the contract (as a result of penalties, the amount payable may turn out to be even less than that which was originally due);
• About the presence of automatic renewal (in order to avoid extending the contract after its expiration, you need to find out how to do this before it is concluded).

It is quite possible to get a high income quickly, without making much effort. To do this, you do not need to look for additional income, play on the stock exchange or understand the intricacies of doing business. It is only necessary - to place the available free money in the bank on a deposit for 1 month at interest. The main thing is to make the right choice in a wide variety of short-term offers offered in various banks, including Sberbank.

Often a person has money available that is planned to be spent after a month on a big purchase or vacation, but keeping it at home is not only impractical, but also very dangerous. Therefore, it is more expedient to try to make money on them by placing them at the most favorable bank rates, but this does not mean that you will have to spend your time opening an account for a long time. It is enough to use the service for a period of a month and not only save your savings, but also significantly increase them.

Conditions for short-term deposits

Investments for a period of 1 month to a year are called short-term. Their income directly depends on their duration, and the longer this period, the higher the interest is set on them. In different banks, for this type of investment, annual interest is set from 4 to 8. The most important thing is not to get confused in the variety of such offers and choose the most profitable and reliable one.

Deposits under such conditions can be placed in a large number of banks, among them:

Sberbank;

• VTB 24;
• Gazprombank;
• MTS Bank;
• UniCredit Bank;
• Russian standard;
• BCS Bank;
• Eastern Express Bank.

They have different names and dividends, but are similar in their basic conditions. All of them are short-term and they can be replenished for any amount at a convenient time, but it is strictly forbidden to withdraw part of the funds from them during this period, it is permissible to withdraw only accrued interest or close it completely (Sberbank, VTB 24).

Some of them are extended on the conditions specified at the opening for the next period if not claimed at the end of it. In some banks, when prolonging the contract, interest increases with each subsequent extension.

These deposits are subject to a minimum threshold of funds required to be in the account from 10 to 10,000 rubles, and the most favorable remuneration is accrued on them. Therefore, it is easy to calculate that the larger the amount on the account, the higher the income it will bring.

The period for a monthly deposit is calculated based on the formula 31 + 1 day. And to choose the most profitable investment, it is also worth determining how long you will not need money and after that choose a bank and its type.

The popularity of short-term deposits

Sberbank offers the most investment proposals for one month, you can choose from four, VTB 24 - from two, and other banks - one each. Such a meager number of them is explained by the fact that these recently appeared types of services for a short period have not yet gained great popularity among depositors. But the number of offers from different banks on such conditions has already noticeably increased. Deposits in Moscow with a term for such a period are more common than in other regions of the country.

Monthly deposits are most popular with the younger generation, older members of society prefer longer-term investments. Also, young people are more willing to use online banking services. Sberbank is one of the leaders in this area.

A period of 1 month makes it possible to place your savings profitably, and not just save them. You do not need to take care of additional security of the apartment, and investments for 1 month will help you not to waste money on trifles, and you will quickly save up for the right thing.

Not only ordinary citizens have the opportunity to make a deposit with a period of 1 month, this service is also available to legal entities and individual entrepreneurs. Only the minimum amount there is much larger and tougher conditions for early termination.

Profitability of deposits for a month

You can deposit money for a period of 1 month not only in Sberbank or other banks, but also by contacting organizations that issue quick microloans to the population, only a few of them provide such a service. Profit on deposits in these organizations is the highest compared to banking offers. To help protect your savings will allow the insurance of the deposit.

Sberbank accrues no more than 5.5% per annum on such deposits, in some other banks in Moscow dividends are higher, but the minimum amount is also higher. For example, PrivatBank will accrue interest for 1 month at a rate of 7.75% per annum, but the account must have more than 10,000 rubles.

But despite the recent situation with bank closures, it is most rational to place your funds for a longer time in Sberbank, but in order to get quick profits, it is wiser to use more advantageous offers from other organizations.

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.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

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.

Conditions

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 of the banks from the top 50 list of the best credit institutions in Russia provide 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				To Tinkoff Black card
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	On the 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 offers 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 a higher percentage, but there are exceptions.

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

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 the 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, it will not work to get a profitable interest. 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.