Features of the choice of seasonal deposits for individuals, including retirees offered by Russian banks as part of promotions in May 2019. Conditions and interest rates for winning and spring promo deposits. What to look for today, experts advise.
Seasonal deposits for individuals are offered by banks on the eve of various holidays, as well as by the seasons. These are temporary promotions that can usually be used for only a few months. Large banks, for example, Sberbank or, widely advertise such promotional deposits, attracting customers with various bonuses or maximum interest rates.
Some of them are dedicated to the May holidays in general, others - specifically to Victory Day. The opening of such a contribution is good way investing money.
For example, many depositors in Moscow, St. Petersburg and other Russian cities open deposits during promotions when banks offer maximum rates. And, taking the money with interest, they again deposit it for safekeeping, again opening a seasonal deposit with increased profitability.
But before you decide to take the funds to the bank, you need to take a close look at the features of promo deposits.
Experts interviewed by the RBC edition told what to look for when choosing seasonal deposits. But the same applies to deposits dated to other seasons or holidays, such as, for example, May 1 or 9.
Features of seasonal promo deposits in May 2019
When choosing a seasonal offer, experts advise you to carefully study its conditions.
Seasonal special offers often do not provide for the possibility of withdrawing or depositing money, which reduces the attractiveness of the deposit, says Natalya Smirnova, General Director of the Personal Adviser company.
One more important point, which you need to check before opening a deposit, is the availability of additional products that are imposed by banks along with seasonal promotions. This can be, for example, issuing a policy investment insurance life. “The investor must assess whether he really needs an additional product,” says Smirnova.
Prolongation of the seasonal deposit is often unprofitable, notes Natalya Abramova from MARCS. Seasonal deposits are usually short-term, so it's important to seize the moment and shift the funds to another deposit, she advises. And before opening a deposit, you need to find out the minimum and maximum amount of the deposit - seasonal offers often have restrictions on the amount of funds placed, writes RBC.
In addition, it is always worth comparing the bank's special offers not only with other seasonal deposits, but also with ordinary ones.
According to experts interviewed by RBC, over the past few years, seasonal offers have become less and less profitable compared to regular banking services. In particular, the difference between the rates on seasonal and ordinary deposits in rubles is decreasing.
Seasonal promotional deposits in banks for Victory Day 2019: interest and conditions
Here the correspondents of the site magazine have collected holiday "victorious" deposits for individuals, including pensioners, which are now offered by Russian banks.
Red Carnation deposit - Sberbank
Deposit "Pobedny" - Svyaz-Bank
Deposit "Holiday" - Bank "Kurgan"
Deposit "Pobeda" - Energomashbank
Deposit "Spring" - Aktiv Bank
Deposit "Peace, Labor, May" - Vokbank
Min. amount, rub. | ||
30 thousand |
"Yolki" in banks began in October. If the artists call this a series of very profitable December performances, then financial institutions at this time, they are actively arranging a performance of "fabulous" deposit interest. And do not let the citizens be upset who will not have time to participate in winter banking fun and increase their incomes due to special holiday deposits this time. The boom of "snow" deposits, which will last right up to March, will probably very soon turn into a new spring season. higher rates smelling of mimosa and perfume. Indeed, in Russia, as you know, a whole string of New Year's parties smoothly turns into the women's holiday on March 8, slightly warming up along the way on the February Defender of the Fatherland Day.
Today we have selected for you the best New Year's contributions that emit a festive smell of pine needles and tangerines. Among them there are sure to be names that will suit investors with different taste preferences.
For the most cautious people, there are deposits with a more than "reasonable" rate in the largest financial institutions in the country. True, among them you can see neither Sberbank, nor Promsvyazbank, nor VTB 24, which these winter days did not want to warm up their customers with the thought of future fabulous profits under the festive slogan "Long live New Year's interest!" But you can choose from other, no less reliable banks: Gazprombank - Rozhdestvensky, Annual Bonus, Lucky Year, Best Gift.
For avid gourmets, jars are handed out fragrant and very healthy fruits for dessert. With such vitamins, even severe frosts are not terrible. There are few sweet offers: "Mandarin", "Winter Mandarin", "In Apple".
The most down-to-earth citizens follow the principles of Uncle Scrooge's business man when he hasn't yet met the spirit of Christmas, so on the eve of the holiday they carry their tight wallets to banks, where they offer maximum interest... With a rate above 12%: New Year's Deposit, Fabulous Investments, New Year's Premium.
Of course, there are unbridled romantics among the depositors. The banks prepared magic deposits for them. Behind these fabulous names hides a very real increased profitability: "Magic Interest", "MDM - New Year's Tale", "Snow Kiss".
For the pragmatic people, we have chosen the most business names among holiday deposits. Depositors will be delighted with the high interest rates that they deservedly enjoy the attention of established clients during these winter months. Deposits: "Golden Days", "Decent Percentage", "Premium", "Snow Percentage".
Even among adults, there are many people who believe in good magic. However, the popular film "Yolki" has long provided visual evidence of the New Year's theory "whatever you wish, everything always comes true." For those depositors who still believe in Santa Claus, there is also a Dedmorozovsky deposit.
Russian banks offer winter fun for the most active clients who are not afraid of frost and love walks in the fresh air. Without wasting time, join the winter types of deposits: "New Year's Freestyle 2013", "For the winter!", "New Year's Sprint", "Snezhny.com".
Gazprombank: deposit "Gazprombank - Rozhdestvensky"
Gazprombank, the third most important in the country's economy, prepared two seasonal products at once. At the deposit "Gazprombank - Rozhdestvensky" profit is accrued at the end of the term in the amount of 8.75% to those clients who have invested more than 1 million rubles in the accounts of this giant. Smaller savings grow by 8.25%. Duration of the contract is 367 days. The offer is valid until the end of February. Another seasonal deposit, Gazprombank - Personal Achievement, announces a yield of 8.75%, and quarterly capitalization will make the rate even more effective.
Bank of Moscow: "Annual Bonus" deposit
Those citizens who were pleased by the employer with a bonus at the end of the year, the Bank of Moscow decided to give pleasure in the form of 9% on the "Annual Bonus" deposit. Even if bonus payments await you at the beginning of next year, then the season of this profitable deposit extended until the end of March. Interest is calculated at the end of the term, which lasts 400 days. You can save and increase from 100,000 rubles.
Alfa-Bank: deposit "Successful Year"
If you and your friends do not go to the bathhouse every year on December 31st, like your favorite heroes from "The Irony of Fate", then you can warm yourself up on this day in Alfa-Bank, where the "Lucky Year" deposit season ends. On savings over 50,000 rubles, an annual income of 9.5% is accrued every month. The effective rate will be slightly higher due to the capitalized interest. The contract can be concluded for a period of 184 days or 1 year.
Raiffeisenbank: "Best Gift" deposit
Raiffeisenbank has prepared its "Best Gift" for the New Year. The degree of this deposit will rise to 7.1% if you keep money here for 366 days. It is this rate that is intended for one and a half million savings in rubles. You can put a smaller amount of 50,000 rubles on the account, but at a slightly lower percentage. The profit will be calculated and paid at the end of the term, after six months or a year. The offer is valid until the end of January.
Sobinbank: deposit "Mandarin"
Exotic citrus fruits have long been loved by Russians as the most New Year's treat on the festive table. So foreign money in the form of dollars and euros has become for us quite “our own” and desired currency. The Mandarin deposit will appeal to people who save up not only in rubles. Interest rates for foreign currency deposits reach 4.85%, for ruble deposits up to 9.4%. Interest can be capitalized monthly or withdrawn from the account as rental income.
Agrosoyuz Bank: "Winter Mandarin" deposit
Specialists from the Agrosoyuz continue the theme of food festive sets. They grew our "Winter Mandarin" here. An amazing harvest in our northern latitudes shows a yield of up to 11.65% in rubles and up to 6.5% in foreign currency... The contract is concluded from three months to one and a half years. The client can choose to capitalize or withdraw interest once a month. You can enjoy the winter fruit of the Agrosoyuz until March 8.
Ural Financial House: deposit "In Yablochko"
By far the most Christmas staple in the West is the apple. Only there, these fruits are served stuffed in a goose, boiled in cider or simply baked in the oven. The Moscow branch of the Ural bank prepared for the holiday their Russian "In Yablochko" with rather tasty percentages. Putting 10,000 rubles on the account in 9 months, the depositor will receive a profit of 8.6%. Quarterly capitalization will increase profitability. You need to hurry to taste these monetary vitamins before the end of December.
Quota Bank: "New Year" deposit
The most profitable deposit we have found is the "New Year" Quota of the Bank. A record 12.55% are accrued for amounts over 50,000 rubles. The contract is concluded for 550 days. The profit is paid at the end of the term. There is an opportunity to increase income through additional contributions. In such a long period, money can be withdrawn ahead of schedule while maintaining the full deposit rate. You can open it until the last day of the outgoing year.
Russian Standard: "Fabulous Investments" deposit
Among the largest banks, Russian Standard stands out with its seasonal deposit “Fabulous Investments (“ Peter I ”at least 50%). Here, private investments will grow with a profit of up to 13.5% per annum, provided that part of the funds is invested in a share investment fund... The minimum investment amount is 30,000 rubles. The depositor fixes and chooses the term on his own with an accuracy of the day in the interval from 180 to 540 days. Hurry up.
Financial Standard: contribution "New Year's Premium"
In December, the acceptance of savings for the "New Year's Premium" deposit ends. The local grain interest will be able to feed the owner of the deposit in the form of rental income monthly for two years. However, any period from 31 to 731 days can be chosen. The most winning rates for investments in rubles reach 12.75%, in dollars and euros up to 8% per annum. Even small funds in the amount of 30,000 rubles or 1000 dollars / euro will bring profit.
Bank Energomash: "Magic Interest" deposit
Magic Interest turns money into ... even more money. To begin with, it is enough to invest 10,000 rubles. or 300 dollars / euro for miracles to begin. After 730 days, New Year's deposits will acquire additional interest: 11.8% per annum will be added to rubles, 5.4% to dollars and euros. Profit is accrued and paid at the end of the term. The offer is valid until mid-February.
MDM Bank: deposit "MDM - New Year's Tale"
The sorcerers from MDM Bank did not tell their clients one thousand and one fairy tales of Scheherazade, they prepared their own special monetary story. Deposit "MDM - New Year's Tale" can be opened with only 30,000 rubles in your pocket. The income interest will depend on the amount invested and the term of the contract. The most "magic" interest - 12% is charged at the end of the term, that is, after three years. Although, you can choose another period from 180 to 1080 days.
MTS-Bank: "Snow Kiss" deposit
It is not the Snow Queen from a winter fairy tale that gives her romantic "Snow Kiss", but the real MTS-Bank. The deposit is accepted for a period of 91, 181, 366 or 550 days. Depending on the duration of the contract, there is interest rate... The maximum profit reaches 11% per annum. Amounts from 10,000 rubles are accepted for the deposit. Interest is paid at the end of the term. Come for Snow Kisses before mid-February.
My bank: "Golden Days" deposit
Any sparkling snowflake can turn into a snowdrift shining in the sun, just as a small amount of the deposit forms a gold bar in the Golden Days account, due to the added 11.35%. The contract is concluded for a period of 181 or 366 days. The depositor can choose a monthly rent or capitalization, which will change effective rate even more. There are many people who like the opportunity to manage their account: this deposit can be replenished or spent without time limits.
OPM-Bank: "Decent Interest" deposit
Decent Interest can be obtained from this bank until the end of February. Even completely accepted small amounts 15,000 rubles at the same high rate for everyone - 11.2%. By the way, there is an opportunity to increase income up to 11.5% per annum. The offer also has one term - 367 days. Interest is paid monthly. Regular additional contributions will increase your bottom line.
Vladprombank: "Premium" deposit
There are many employees among the readers who are expecting a well-deserved award at the end of the year. Good luck is guaranteed to those who have time to invest money into the Vladprombank's "Premium" account by the end of January. By opening a deposit in the amount of 50,000 rubles, you can get a profit of 11.12% per annum in 181 days. The income is paid at the end of the term. The account can be increased additional contributions almost the entire period.
UniCredit Bank: "Snow Interest" deposit
Among other deposit products of UniCredit Bank, the "Snow Interest" deposit includes quite high rate for small amounts and for a short period. You can invest from 15,000 rubles. Duration - 9 months. The yield is 9% per annum. Interest can be withdrawn from the account once a month or added to the deposit, i.e. capitalize. The product is seasonal, the deadline for its opening ends at the end of December.
Tempbank: Dedmorozovsky deposit
Tempbank experts say that luck in the new year will certainly knock on the door of those who open the Dedmorozovsky deposit. The magic staff of Santa Claus increases any savings by 12%. To multiply here, they offer amounts from 100,000 rubles in a period of 181 or 365 days. Operations for account replenishment are provided. Income is accrued at the end of the contract term. The deposit season will last until the end of February.
Bank Otkritie: deposit "New Year Freestyle 2013"
"New Year's Freestyle 2013" called the Bank Otkrytie its seasonal deposit, probably for the simultaneous ability to replenish and withdraw funds from the account. They are allowed to freely manage amounts of 50,000 rubles or more. The contract is valid for 367 days. A profit of 9% per annum is paid at the end of the term. The freestyle season will run until the end of February.
Housing Finance Bank: "For the winter!"
You can send your savings to the Housing Finance Bank for the winter without worrying about their safety. Here, client money will not only be able to save from waste and inflation, but will also increase it to an annual level of 11.75%. You can invest a minimum amount of 3000 rubles. The depositor independently chooses the term of the agreement with an accuracy of the day in the range from 3 months to 3 years.
Miraf-Bank: New Year Sprint deposit
In the New Year's race for gifts, be sure to pay attention to the special contribution of Miraf-Bank. You can participate in the "New Year Sprint" with just 1 ruble in your pocket! Even this amount will turn into a profit of 11% per annum. The term of the deposit is only one, but very attractive for many depositors - 91 days. Interest is calculated and paid once a month. Sprint participants are asked to hurry until the end of January.
Smolensk Bank: Snezhny.com deposit
A large amount of snow outside the window turns into "" in the Moscow branch of Smolensk Bank. The rates of this deposit reach the level of 12% in rubles and 6.5% in foreign currency. You can save up amounts of 30,000 rubles, or 1,000 euros, or 1,000 US dollars. The contract is concluded for one of three terms: six months, a year or two years. Interest is paid at the end of the deposit. There is an opportunity to replenish or spend money. The offer is valid until the end of February.
As you know, on the eve of the New Year, many banking companies give their customers various gifts: someone offers free service, someone is assigned useful services without additional payment, and for new customers they introduce special offers into the line of existing products. It is about the latter that we would like to tell you - about New Year's contributions, which are offered to consumers on the most favorable terms.
As a rule, such programs appear in December of each year, and they are seasonal in nature. This means that the client is given a limited period of time during which he can issue such a holiday deposit, and at the end of the established date, registration will become impossible.
It is for this reason that we have prepared for you a list of the most interesting deposits to date. If you like any of the following, do not waste time and immediately contact the branch to get the maximum profit.
Where are the best deals
We bring to your attention a list deposit programs, for which you can get the most attractive conditions this month:
- and his "Frosty Contribution". Here you will be offered a yield of up to 9% per annum, it is possible to receive monthly interest. You will need to invest from 10 thousand rubles for 1100 days, in the first 100 days, replenishment with amounts from 1000 rubles is allowed, at the end of each billing period a preferential one is possible early dissolution contract. Also, this deposit can be issued for 100 days at a rate of up to 7.5%, while the replenishment will be available in the first 70 days,
- The Renaissance bank appeared not so long ago New Product"New Year's percentage", where the yield will be up to a maximum of 8.55%. For registration, you need an amount of 50,000 rubles. for 91, 181 or 367 days. Payments at the end of the term, auto-rollover, can be opened online. It is written about other programs,
- - here the percentage will be up to 8.5%. The depositor will need an amount of 1000 rubles or more. for a period of 190 days. Additional options include the possibility of early withdrawal of the deposit on preferential terms, the income is paid at the end of the term;
- The Sauber Bank has a deposit "Winter Sauber", which offers to make a profit on maximum rate up to 8.5%. You must pay at least 1000 rubles. for 367 days, while payments will be made monthly. Allowed early withdrawal of money on favorable terms,
- Transstroibank offers a new product "New Year" for its depositors. You need to invest from 100 thousand rubles. for 181 or 400 days, you can get income up to 8.2% per annum. Accruals occur at the end of the term, you can replenish;
- Investtorgbank recently introduced the "Warming Interest" deposit, which offers profitability of up to 8.05% per annum. The minimum contribution will be 50,000 rubles with a validity period of 380 days. You will receive interest on a quarterly basis, in case of early demand there will be preferential conditions;
- offers registration of the Rozhdestvensky deposit at a rate of up to 8.15%. The depositor will need to deposit at least 30 thousand for 91, 181 or 367 days, the payment is made monthly, capitalization is applied;
- In the Savings Bank of Russia there was an offer called "Just 7". To register it, you need to invest at least 100 thousand for 5 months, if you do this through Sberbank Online, mobile app or an ATM, you will have a yield of 7% per annum, and if through a branch - 6.5%. You will find full conditions
New Year- this is the time when people believe in the fulfillment of desires. Banks Russian Federation prepare wonderful holiday offers for their clients. Every citizen can choose for himself profitable investment among the many offers from banks.
Typically, these promotions start early and end on the last day of the year. The interest rate for such offers is usually higher than for conventional deposits. Banks try to give proper names to seasonal deposits. For example, "New Year", "Christmas", "Winter".
New Year's deposits in banks 2018 best offers: holiday offers from large banks of Russia
Sberbank is considered one of the largest banks in the Russian Federation. Since there is no shortage of depositors, interest rates are not very high. Now the most large percentage on deposits is 4.8% for amounts up to one hundred thousand rubles. But with an investment of up to 2 million rubles, you can get 5.5%. On New Year's holidays, Sberbank offers 6 and 7.5% per year. At the bank's office, the rate will be 6.5%. But if a depositor makes a deposit via the Internet, then he can receive 7% per annum.
VTB24 offers a "Seasonal" deposit for seven months, with minimum investment 30,000 rubles. The bank gives a rate of 10%, but only for two months, in every next month there will be a decrease in interest. This deposit cannot be replenished, but interest can be withdrawn once a month.
For several years in a row, Moskovsky credit bank leads among deposits at the highest interest rates. The "New Year" deposit offers depositors a rate of 8.5% for 190 days. It can only be withdrawn at the end of the term.
New Year's deposits in banks 2018 best offers: medium-sized banks offer high interest rates on deposits
The head of the First Republican Bank offers to existing and new clients a holiday deposit "First Snow". There are many good points to be found here. The term of the deposit is from 91 to 366 days. The interest rate is 11%. The smallest amount that the client must pay is 50,000 rubles.
The "Winter Records" deposit can be made at Ergobank for 181 days. Here the interest rate is 9.75%. If issued for a year, then the client can receive 10.25% per annum. The minimum contribution is 15,000 rubles. Such a deposit can be replenished and interest withdrawn once a month.
Rosbank offers "Winter Deposit" at a rate of 7.05 to 10%. To obtain the maximum interest rate, the client must make a first installment of 4 million rubles.
New Year's deposits in banks 2018 the best offers: the most advantageous offer among all banks in Russia
Usually, seasonal deposits are replenished only once and without the right to withdraw interest. Many experts say that the most profitable deposit until the end of 2018 will be a deposit in MKB. The bank has been the leader among profitable deposits for several years. Seasonal contribution is 8.5%. It will be beneficial for every investor.
Before making an investment, you need to take into account all the nuances of banks' proposals. To pick up the most profitable contribution, you need to immediately find out the minimum amount of the contribution, the period and the amount of interest.
On the eve of the holidays, various organizations, online stores hold promotions or offer new services - it's tempting. Banks are not inferior to them, and every year they offer their customers “tasty” offers. Some of these institutions are launching New Year's contributions before the New Year. They also offer gifts for certain types of deposits. Isn't it an additional gift for the holiday?
Deposits in Moscow for pensioners
Which banks to choose to store money - commercial, government or liter, hidden between winter stocks? Pensioners are already a poorly protected category of the population. Nobody wants to lose the last hope in the form of money on bank deposits, as it was during the collapse of the USSR. Therefore, below are the main criteria for choosing the best storage for your money.
Many companies are launching Special offers on deposits for pensioners with a more favorable interest rate. Such proposals are provided by both government and commercial structures. Interest rate on the most income deposits for pensioners in the capital reaches 10.5% per annum. Such conditions are offered to their depositors by the following banks:
- NS Bank.
- Arsenal Bank.
- "Commercial City Bank".
Also, rates above 10% per annum are offered at Forus Bank, Intechbank, Investment merchant bank... On deposits of other banks, the yield will be lower.
You can't do without gifts
Promotions and gifts from banks have a factual basis, this is not a "scam". By agreeing to the terms of this type of deposits, you can count on some kind of present upon signing the contract. Investors can win various prizes or receive pleasant gifts like household appliances, certificates for opening additional bonus deposits, etc. Deposits with gifts are offered to their clients in Moscow by 279 banks. Among them are Vneshfinbank, Uniastrum, Intechbank and many others. Often, companies begin to offer gifts or contributions with more favorable conditions to their clients during the holidays. Especially many similar actions take place in the New Year. For example, on the last New Year holidays, the banks “Russian Standard”, “BinBank”, “Uralcapitalbank” and some other market players acted as financial Santa Clauses and launched programs of special “New Year” deposits. Clients who issued them on the eve of the holidays received more favorable interest rates, which reached 14% per annum. And some companies held various prizes.
Surely in 2017, depositors are not waiting for “tasty” offers.
Deposits in Russia
Among the all-Russian banks, the most favorable rates offer
- Rosprombank (10.99%),
- Tavrichesky (10.9%),
- BBR Bank (10.85%).
But, the interest rate is far from the only criterion. Also, the minimum amount that can be deposited plays an important role, since not all people are ready to trust banks with significant funds. And many Russians do not have free funds at all, except for a few thousand rubles. Many companies are well aware of this.
For example, in Intechbank and Touchbank, the deposit amount can start from 1 ruble, in PrimSotsBank - from 10 rubles. Such conditions are very tempting for retirees and others on social security, because they already have a small amount of pensions, and with current prices, in order to survive, you need to have something in reserve.
Another important criterion is the ability partial withdrawal funds. If it is provided for by the terms of the deposit, this means that the client can withdraw part of the savings and spend them on urgent needs. A similar condition is offered to their depositors by ActiveCapital Bank, Tinkoff Bank, Bank Tavrichesky and a number of other companies.
No matter how tempting the terms of the deposits are, there is no need to lose vigilance. Be sure to read the reviews about the organization that you are going to trust with your hard-earned funds. Indeed, banks with a dubious reputation often make loud advertisements for themselves in order to lure more depositors and take advantage of their trust. A proven finance company on the contrary, it will work quietly and attract customers with favorable conditions and the quality of its services. After all, it has long been known that word of mouth is the most reliable.
