What is more profitable: deposit, cashback or PNO
Posted: Wed Feb 19, 2025 5:15 am
A bank deposit is a traditional instrument with a guaranteed return if all conditions are met. The fewer opportunities for managing funds, the more profit you can get. If you do not have access to the account (you cannot replenish it and withdraw money), this may not be very convenient, but such deposits have higher interest rates.
There are deposit programs, under the terms of which you can place a small amount. For example, the deposit "An Ordinary Miracle"You can open a Sinara bank account for 10,000 ₽ with a yield of up to #rate#37#/rate# per annum. And if you want to replenish your account and withdraw cash without restrictions within the maximum and minimum amounts, you can choose the deposit "Active account» with a rate of up to #rate#1786#/rate# per annum.
The deposit is the most profitable of the banking products considered in the article. Cashback and a card with a PNO are not competitors, but rather assistants.
Cashback
Cashback is a return of a certain amount from a purchase czech republic mobile database for which you paid cashless. Most often, banks offer increased cashback for purchases in certain categories and from partners. There are credit and debit cards with not very high cashback for all purchases.
At the end of the billing period, you get back money or points that you can spend on purchases. Both are ways to earn passive income.
Interest on balance
You don't lose anything if you use a card with interest on the balance. In the months when you can't stay within the limits, you simply won't have any additional passive income. This product is very beneficial for those who actively use bank cards and keep amounts on them that exceed the minimum balance.
A deposit, cashback and a card with interest on the balance are complementary tools. You can keep large sums on a deposit, from which you want to receive significant income, and receive small bonuses from the card - from time to time or on a permanent basis.
Flexible financial management allows you to combine a card with several deposits. Keep your savings in term deposits, a safety cushion in deposits with the possibility of withdrawal and replenishment, and keep the rest of the money on a card with cashback and PNO.
There are deposit programs, under the terms of which you can place a small amount. For example, the deposit "An Ordinary Miracle"You can open a Sinara bank account for 10,000 ₽ with a yield of up to #rate#37#/rate# per annum. And if you want to replenish your account and withdraw cash without restrictions within the maximum and minimum amounts, you can choose the deposit "Active account» with a rate of up to #rate#1786#/rate# per annum.
The deposit is the most profitable of the banking products considered in the article. Cashback and a card with a PNO are not competitors, but rather assistants.
Cashback
Cashback is a return of a certain amount from a purchase czech republic mobile database for which you paid cashless. Most often, banks offer increased cashback for purchases in certain categories and from partners. There are credit and debit cards with not very high cashback for all purchases.
At the end of the billing period, you get back money or points that you can spend on purchases. Both are ways to earn passive income.
Interest on balance
You don't lose anything if you use a card with interest on the balance. In the months when you can't stay within the limits, you simply won't have any additional passive income. This product is very beneficial for those who actively use bank cards and keep amounts on them that exceed the minimum balance.
A deposit, cashback and a card with interest on the balance are complementary tools. You can keep large sums on a deposit, from which you want to receive significant income, and receive small bonuses from the card - from time to time or on a permanent basis.
Flexible financial management allows you to combine a card with several deposits. Keep your savings in term deposits, a safety cushion in deposits with the possibility of withdrawal and replenishment, and keep the rest of the money on a card with cashback and PNO.