What is more profitable to invest in dividend shares or a deposit in a bank?
If you thought about the question of where to invest in, then most likely you already understand that your savings investments will be freely depreciated by inflation.
Moreover, it is desirable that these savings were stored in solid currency, since high interest on deposits in national currencies are easily overlapped by losses from a decrease in the course.
The easiest option for investing money today is still a deposit in the bank, but the reasonable question arises, why are large foreign investors prefer to invest their capital in the shares of companies.
Let's try to evaluate what the shares or deposit in the bank will bring more profit, we compare both of these investments.
Interest on deposits in dollars and euros in different countries
The choice of foreign exchange deposits in banks today is quite limited by the majority of banks, including foreign ones, offers deposits in dollars or euros.
At the same time, interest on deposits in dollars or euros is left to be desired, the maximum that can be obtained depending on the country of placement:
| A country | Percentage of deposits (USD) | Percentage of deposits (EUR) |
|---|---|---|
| Kazakhstan | 2,5% | 1,0% |
| Ukraine | 3,0% | 2,0% |
| Belarus | 2,0% | 0,4% |
| Moldova | 5,0% | 2,5% |
| Poland | 2,0% | 0,5% |
| Germany | 2,0% | 0,4% |
| Czech Republic | 1,5% | 0,3% |
| USA | 4,5% | 0,2% |
The table indicates the maximum deposits in different countries, though you should take into account the fact that you may not arrange a bank that offers the maximum percentage.
As a rule, the most popular and most reliable banks offer the worst conditions for deposits, and those that lure customers with high rates are often not reliable.
Therefore, the deposit in the euro today is not at all worth it, the maximum that can be obtained by deposit in a reliable bank is 0.2-0.3% per annum.
Interest on deposits in dollars is slightly higher and it is quite possible to find a good bank with a rate of about 3% per annum.
The size of dividends for shares in US dollars
Finding promotions with good dividends is also not easy, you need to guess that the company not only pays dividends, but also had positive prospects for increasing the cost of a security.
But if desired, the task is quite solved, because now it is quite possible to find almost any information about the company you like.
Here is an example of shares of companies with high dividends in 2025:
| № | Industry | Company | Dividends (%) |
|---|---|---|---|
| 1 | Biotechnology | Siga Technologies | 17,1% |
| 2 | Shipping | Golden Ocean | 12,81% |
| 3 | Banking sector | Nordea Bank | 7,93% |
| 4 | Pharmaceuticals | Pfizer | 6,74% |
| 5 | Telecommunications | Verizon | 6,61% |
| 6 | Financial services | Franklin Resources | 6,23% |
| 7 | Food industry | Kraft Heinz | 5,53% |
| 8 | Telecommunications | At & t | 4,29% |
The table contains 8 companies that regularly pay dividends on their shares, in addition, all companies showed positive revenue and profit results over the past year. And this gives hope for high dividends in the future.
At the moment, a portfolio of 8 shares will bring about 8.5% per annum, which significantly exceeds the likely 3% per annum in deposits in US dollars.
You can buy securities from stock brokers or in the Revolut Bank Appendix .
Conclusion: Promotions or deposit in the bank
From the above data, it is clear that dividend shares are much more profitable than a deposit in solid currency. But at the same time, one cannot but say risks, because even the most reliable actions can fall in price.
But not everything is as scary as it seems, if you invest for a long period, the cost of fallen shares will be very likely to recover, because stock markets are growing in the long run.
In addition, the following actions will help to reduce the risks:
- diversification - shares of companies are bought that belong to different sectors of the economy. The entire market is very rare, only one sector is more often cheaper, while the other grows in price.
- The diversification of the asset - the purchase of gold will help compensate for the loss when reducing the cost of purchased shares, since in most cases gold begins to actively rise in price if the shares are falling.