A great way to save money is to open a savings account. Find out how right now!

Deposits in banks can serve not only forreceipt of money to the account and withdrawing them at any time. Some types of deposits allow you to save some money. Such an opportunity should be seriously considered, since the inability to save money and save it for its own purposes is a problem for many Russians.

Savings account - the so-called deposit, which allows you to make a profit from money in the account in the form of interest.

Varieties

There are savings accounts for different purposes: for the military in order to improve housing conditions (the state program to support certain categories of citizens), for legal entities (founders of LLCs, JSCs) and individual entrepreneurs, which makes it possible to accumulate the capital of the organization through income from profits.

In other cases, citizens decide to opensavings account to be saving for a "rainy day" or a serious purchase (good alternative to loans for which the borrower has to pay a huge amount just for the opportunity to take money from the bank).

Bonus from the bank

Healthy competition among banks allowsget not only a good interest rate on the deposit, but also interesting offers. The depositors are opening up new opportunities and pleasant bonuses. For example, some modern banks are ready to make a deduction from your account for a hypothetical fee when you receive funds for another - a savings account.

To make similar operations with contributions became moreeasier and more convenient with the so-called "Bank on-line". With access to the Internet, you can enter your personal account on the official website of the bank where you have an account, and make any transactions with your money: open new deposits, transfer money to other accounts (including other banks and foreign contributions) ...

In addition, it is easy to know in what size the incomeyou will receive from a certain amount. To do this, the banks' websites have calculators of savings. Enter the data in the calculator fields, click the "Calculate" button and get the amount of money in your account at the end of the term. So everyone can determine which bank and which (name) contribution is to be opened.

Preferred option

As for high interest on deposits,remember the following. Serious, large and reliable banks are ready to offer a minimum deposit rate, but at the same time guarantee the safe storage of your money. This rate (as a rule, 6% per annum) is enough to obtain a guaranteed income. But small. Banks smaller, but with a small history of development, are ready to offer a fabulous (very rare) high rate - 12%. It's tempting, but dangerous.

Terms of deposit

Savings account in a bank is a modern and safe, low-cost and convenient way to save and save money.

But before you take advantage of such temptingproposal, the terms of the contribution should be studied. Among banks, they differ significantly. For example, with the early withdrawal of money, you can lose part of your money (not only the promised interest). Although there are proposals where it is possible to extract money early, without special losses. It is not necessary to exclude this possibility altogether: unpleasant surprises happen in life and they are better prepared for.

It is also important to consider the possibility of making money forscore. Some banking programs do not allow such a condition. And this can be reconciled, if you are willing to put a decent amount of money at a high percentage. And if not, it is better to choose banks that allow you to replenish the savings account.

Important and such conditions as the term of deposit, currency. If you choose a long term, it is better to transfer money into currency, and in different, and put in different accounts. So you lose less on the course. Rubles are more suitable for a deposit with a term of one year.

With the right approach to the matter, everyone canaccumulate a decent amount for a relatively short period of time. Some happy investors shared their history: a savings account allowed someone to go on a long-awaited vacation, someone to make a major purchase, and someone to live six months after losing their job. To open such a contribution is sometimes quite a ridiculous amount - 3 000 rubles. Makes me think?..