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

Deposits in banks can serve not only for the receipt 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 contribution, which allows you to make a profit from money in the account in the form of interest.

Varieties

There are accumulation accounts for various purposes: for the military with the aim of improving housing conditions (state program to support certain categories of citizens), for legal entities (founders of LLCs, JSCs) and individual entrepreneurs, which allows to accumulate the capital of the organization due to income from profit.

In other cases, citizens decide to open a savings account in order to have savings "for a rainy day" or for a serious purchase (a good alternative to a loan, under which the borrower has to overpay a huge amount only for the opportunity to take money from the bank).

Bonus from the bank

A healthy competition among banks allows you to get 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 for a conditional fee to make deductions from your account when you receive funds for another - a savings account.

To make similar operations with deposits became even easier and more convenient with the so-called "Bank on-line". Having 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 find out how much revenue you will receive from a certain amount. To do this, the bank's 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 the high interest on the deposit, it is necessary to 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 is tempting, but dangerous.

Terms of deposit

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

But before you take advantage of such a tempting offer, you should study the terms of the deposit. Among banks, they vary significantly. For example, with the early withdrawal of money you can lose some of your (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 it is better to prepare for them.

It is also important to consider the possibility of depositing money into the account. 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 replenishing 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 to 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 can save a decent amount for a relatively short period of time. Some happy investors shared their story: 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?..

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