Where else can I keep my money but in the bank?

Of course, with the development of Internet finance and the diversification of financial services, there are some safer places to save money, such as storing money in currency.

, you can buy **the company's currency** directly, or you can use Alipay's Yue Bao.

In addition to banks, there are also some ATMs that can deposit money, because they are all internal equipment of banks, so there will be a function of depositing money.

You can deposit money anywhere you want, and one of the basic principles of depositing money in the bank is the freedom to withdraw money, as long as you deposit money, you can withdraw it at any time. If the deposit is fixed, it can also be withdrawn at any time, but if it is not matured and withdrawn, it calculates the interest in a different way, and it does not calculate it for you according to the fixed interest rate, but can only give you current interest. In this piece, the interest will be less.

However, the principal is unchanged.

In addition to the bank, there is also a safe deposit box where you can store money! You can also save money, which is also very safe.

Now some non-bank financial institutions can also deposit money, such as stock cooperatives and the like, and the object of their deposit is specific.

In addition to the bank, there is also a ** safer to deposit money? In addition to banks, you can also buy treasury bonds, or insurance is relatively safe, and the income is considerable. Hope it helps!

Now deposit money in the Bank of China is the best, Bank of China is one of the four major state-owned joint-stock commercial banks in China, from the perspective of network security, the money in the Bank of China, almost completely do not have to worry, these banks are not only subject to the supervision of the Banking and Insurance Regulatory Commission, but also subject to the supervision of the Securities Regulatory Commission, followed by the Bank of China has a lot of business outlets, it is more convenient to go to the ** to handle business, whether it is electronic or physical outlets, the service in terms of interest income on deposits is also quite thoughtful.

Extended Materials. 1. The benefits of saving money.

By saving money we can get more security, because the future is not possible, maybe one day we will lose our jobs, in a situation like this, saving can save us a lot of pain and help us tide over the difficulties. In addition, saving money allows a person to accumulate more money, which can be used to buy more valuable things, which is more useful than spending money immediately to buy things. For example, we can use our savings to buy a house, and saving money can also help us develop the habit of setting goals and planning for the future, so that we will live a more meaningful and successful life.

2. Tips for saving money.

1. Regularly withdraw 20 yuan, 50 yuan or 100 yuan from your salary account and deposit it into your newly opened deposit account, giving yourself a transition time to adapt to a life with less disposable cash on hand than before. After 2 to 3 months, gradually increase the amount withdrawn from your own payroll account each time and deposit into a new deposit account.

2. Start with small savings, it is recommended to save 10% of your monthly income first, insist on developing good saving habits after setting goals, and do not occasionally deposit a large amount of cash.

3. Take out 5 yuan or 10 yuan from your wallet every day, put it in an envelope, and deposit the money in the envelope into a bank deposit account every month. If you save 10 yuan a day, it is 300 yuan a month and 3,600 yuan a year.

4.Check your credit card statement, know how much you spend on your credit card each month, and if possible, reduce the amount you withdraw from your credit card each month, so that at the end of each month we can put the money saved on your credit card into a deposit account.

5. Pay off the loan owed to the bank as soon as possible, minimize the interest expense, when we develop a good saving habit and can persist for a few years, we need to choose one or several suitable investment and financial management methods to obtain higher investment returns and make our life more colorful.

It is better to have Bank of China, ICBC, and Agricultural Bank of China. Because these banks are national banks, they will not collapse no matter what, so the line insurance. Deposit insurance first, interest second.

I think it's best to save money to ICBC now, because ICBC is strong. Closures are generally not occurring. The quality of ICBC's services is also very good.

Which bank is good to deposit money in 2019? Which of China's four major banks has a higher interest rate on deposits?

Middle, agricultural, industrial and construction. Four major state-owned banks.

The main principles of deposit are: first, convenient, close to your home; Second, the interest rate is high, after all, deposit income is also an important indicator to consider; The third is good service, although the current banking services are good, but there will still be some differences. Fourth, a bank only deposits 500,000 yuan, which can control the risk to the minimum.

At present, the banks that can make deposits are basically divided into state-owned banks, joint-stock commercial banks, urban commercial banks, rural commercial banks, village and township banks, private banks, and Internet banks. Judging the quality of a bank's deposits should be examined from several aspects such as the bank's security, profitability, liquidity, and service quality.

State-owned banks have the highest level of security.

At present, there are six state-owned banks: Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China. As state-owned enterprises, the assets of the six banks belong to the state, and there will be no such and such risks casually, and the safety factor is always higher than that of local banks.

Private banks have the highest profitability.

The development history of private banks is very short, and after the emergence of the past three to five years, customers are all wait-and-see attitudes and dare not deposit large sums of money. However, the deposit interest rate of private banks is indeed at the upper level of the banks. For example, Blue Ocean Bank, at the beginning of its operation, the fixed five-year interest rate is still the most, and the state-owned bank has the highest fixed five-year interest rate, and the annual income of 10,000 yuan is 210 yuan less interest.

Internet financial institutions are the most liquid.

Since the deposit of online banking is invisible to the operator, it is easy for people to feel insecure, but Internet financial products are particularly liquid, and many deposit products are calculated on a daily basis. For example, the products of JD Financial Platform, the one-year interest rate, the early withdrawal interest rate is still there, such liquidity and no loss of income, in addition to the security of customers have concerns, the other two most basic and important links can be called perfect.

Joint-stock commercial banks have the best service quality.

The service quality of 12 large joint-stock commercial banks is indeed active, enthusiastic and thoughtful, whenever you enter a branch, it feels different from other banks, and the service concept is very deeply rooted in the hearts of employees, so that you can do the five voices of service of "greeting, answering, apologizing, thanking, and sending", so that customers feel like a sense of belonging at home.

Deposit funds within 500,000 yuan, according to the deposit insurance system, risk losses can be fully compensated, so you can choose a private bank or Internet bank with higher returns, if more than 500,000 yuan can be separated from several bank deposits, you can also directly choose a state-owned bank is safer.

I think it's better to save money now, because the market value of ICBC is relatively high, and the interest rate of ICBC is also relatively high.

It would be better to save money now in the Bank of Communications, because the interest rate will be higher.

It is best to have four major state-owned banks, because in this case, the security and stability of funds will be very high, and there is no need to worry about the funds being misappropriated without authorization.

Let's take a look at the Postal Savings and the Construction Bank, as we all know, the Postal Savings in the six major international banks, belongs to the youngest, only established in 2007, although the Postal Savings in the six major banks in the number of outlets is the largest, but so far, in addition to the total assets slightly more than the Bank of Communications, the Postal Savings in terms of revenue and net profit in the six major banks, are in a bottom-of-the-line state. In terms of financial product research and development and financial technology investment, PSBC has a certain gap with the other five major banks, so its comprehensive brand influence is not as good as that of CCB. The intuitive embodiment is in the savings, it can be said that among the six major banks, the deposit interest rate of the postal savings is the highest, because if there is no interest rate advantage to attract customers, compared with the four major banks, it is very difficult to develop, in terms of interest rates, the interest rate of the postal savings is generally in the range, the construction bank is generally in the range, obviously the interest rate of the postal savings is higher.

Look at the rural commercial banks, there are more than 1,000 rural commercial banks in the country, but they are all local financial institutions, the radiation area is limited, mainly for local individuals and enterprises to provide financial services, because they are independent of each other, are independent legal organizations, in terms of asset scale and profitability, etc., can not be compared with other large banks, rural commercial banks want to get a piece of the market, that is, to get deposits, they must work the deposit interest rate, interest rate, The interest rate of the three-year deposit of some rural commercial banks is generally between the two, and there are certain differences in the interest rate of rural commercial banks in different regions.

On the whole, the deposit interest rate of rural commercial banks is higher than that of the Postal Savings Bank, and the deposit rate of the Postal Savings Bank is higher than that of the China Construction Bank. In terms of security, as long as your deposit amount is less than 500,000 yuan, the security of each bank is the same.

The rich man's 100 million is about the same as your 100,000, and it is not so much that he has to save several banks, but he must also have more than one account, if the money is not clean, usually they will choose some international banks in Switzerland, Switzerland is a neutral country, even if the Third World War starts, they will not take the initiative to participate in the war, and the bank will be open to any country and any individual as usual. In addition, rich people will try to turn money into assets that will create value for themselves, such as investing in real estate development, opening factories, etc. There will only be a relatively small amount of cash in the bank turnover, and the time will not be very long, mainly allowing the bank to play a role of safekeeping!

The interest rate on fixed deposits in small city commercial banks or credit cooperatives is relatively high.

For five-year fixed deposits of small city commercial banks or credit cooperatives, the interest rate of this type of deposit can often be as high as 5% or even as high. If the funds are large and constitute a large-amount certificate of deposit, a large-amount certificate of deposit can be appropriately deposited in a small city commercial bank or credit cooperative.

Because the early withdrawal of large-amount certificates of deposit can be calculated by the file, and the maximum protection of the "Deposit Insurance Regulations" is 500,000 yuan, the risk of bankruptcy and bankruptcy of small city commercial banks or credit cooperatives is greater, if you are worried about this risk, it is best to control it within 500,000 yuan.

The central bank's interest rate on deposits.

After the central bank raised interest rates, the one-year deposit rate was lowered, which means that the interest on bank deposits will be less. In addition, the central bank no longer sets a floating upper limit on deposit interest rates for commercial banks, and the competition among banks has become fiercer.

Short-term idle funds, or idle funds retained after depositing long-term deposits, should be deposited in large commercial banks, because the financial services they provide are more complete and safer.

In terms of earnings, all domestic banks have the same interest rates.

In terms of the safety of funds, most banks are the same.

Therefore, it is recommended to find a bank that is close to home and has fewer people in line.

As for keeping your deposit safe, there are a few suggestions:

1.Try not to do online banking, electronic payment, Alipay, etc., if you must shop online, then it is recommended to open an account with no money, and deposit as much money as you need to pay.

2.Do not divulge your ID card and real name online, because this information may be used by others to open online banking, electronic payment, Alipay, etc., and transfer your money out.

3.Don't get an inexplicable text message, don't get a ** that says so-and-so doesn't want your information. Keep in mind that any bank or any state agency that wants to investigate you will not ask you for your ID number, account number, password, deposit amount, nor will you transfer your deposit to other accounts for any reason.

4.If you do the above, your deposit is highly secure.

The process of deposit: take your ID card (if you don't have an account) to the bank branch, ask for an application form for opening an account for a personal deposit account, fill in the form according to the prompts (generally the bank will post a filling form), if you can't, you can ask the people in the bank. Fill it out to the savings clerk (that is, the person in the glass house), and then they will open an account for you, and then follow the prompts, generally enter the password twice, sign the name once, charge 15 yuan account management fee and production cost, and finally give a card and a passbook (some banks only give one of them), and then you put your money in it OK.

It should be noted that many banks now (such as the Workers' and Peasants' China and the Construction of Diplomatic Relations and other banks) have small account management fees, and if your money is less than 200, the annual interest may not be as much as those fees. In this case, it is best to find a bank that does not charge any fees for opening an account (generally local commercial banks, Shanghai Pudong Development Bank and other very small banks are exempt from account management fees).