Individual investment accounts as perspective banking service

The article is devoted to individual investment accounts as a promising banking service. It is indicated that in the conditions of the Russian economic crisis, on the one hand, there is an increase in competition between banks, on the other hand, citizens have a desire to keep assets subject to inflation and, if possible, earn. It was concluded that in such conditions, an individual investment account, which citizens of Russia have been able to use since 2015, is a promising banking service addressed to novice investors who have a developed loyalty to a particular bank.