"The increased rate on deposits is often available only to certain customers - new ones who have not previously stored funds in this bank, or, conversely, existing customers whom the bank is trying to detain with favorable conditions. Clarify whether you belong to the appropriate category of depositors in order to count on a generous offer from the bank. The average premium for different types of customers to the base rate can be 0.1-1 percentage points, "explained Maria Tatarintseva, product manager "Deposits" of the financial platform "Compare".
Sometimes, she added, the bank sets high interest rates only when specific conditions are met. For example, the depositor is invited to actively use the card of this bank and spend monthly not less than a certain limit.
Or he must transfer his savings from another bank and only on this amount will be charged the maximum interest, the expert said.
"Less common are deposits, in the registration of which the client must simultaneously purchase additional insurance or another product of the bank and its partners - a kind of load. If you do not buy an insurance policy, you will not receive a premium to the base rate on the deposit. There are also complex products, in the design of which part of the funds is placed on deposit, and part - in investment programs with non-guaranteed profitability. In this case, there is a chance to get less income than expected, "the specialist explained.
According to her, there are more and more offers with a rate that changes during the entire period of placing a deposit. It's usually tied to a deadline.
"This can be a welcome bonus: the bank gives an increased rate in the first months after opening a deposit, and then it decreases," the expert warned.
She added that there is still an option with a "ladder of rates", when the entire term of the deposit is divided into several ranges and each period has its own rate.
You need to calculate the effective rate for the entire period, and not look at the maximum, available for a very short time, the specialist advised.
"When opening a deposit with a floating rate, you also need to understand that you can not withdraw the cream - if you decide to place money only during the period with an increased rate, and then close the deposit ahead of schedule, the bank will recalculate and pay less interest. If you keep all the savings on one deposit, then it is worth clarifying immediately what conditions the bank will set for early withdrawal of funds: you can basically withdraw part of the money or not, and if you decide to withdraw the funds in full, but before the end of the term, at what rate the bank will calculate interest, "the interlocutor of RT recommended.
Earlier, specialist Maria Dergacheva told RT how to choose the most profitable card with cashback.