They enjoy constant popularity. The product line is represented by a variety of programs, the quantity and content of which varies depending on the demand of the population. So that the activity of regular depositors increases, and more and more new clients apply for banking services, Sberbank holds promotions several times throughout the year. Thanks to them, individuals have the opportunity to open deposits on more favorable terms. Over the years, promotions for the New Year have been the most anticipated.
New Year's 2018 deposit in Sberbank - the opportunity to open a seasonal deposit at maximum interest rates.
New Year's deposit 2018 in Sberbank - opening conditions
When considering options for how to use earned funds, a potential client usually asks the question: how favorable are the terms of the deposit from Sberbank compared to offers? There are many such benefits, here are just a few:
- Clients do not need to worry about the safety of their savings: Sberbank is on the register of participants in the Deposit Insurance System;
- Sberbank's New Year's offers on deposits are among the most profitable in terms of interest rates;
- It is possible to open a deposit at any office of a banking institution, an ATM or at home (via Sberbank Online, an application for mobile platforms);
- The simplified registration procedure requires a minimum package of documents - it is enough to provide a passport. If a client opens a deposit through Sberbank Online, a plastic card issued by the bank is required.
New Year's rates on Sberbank deposits are among the best on the market as of December 2017. The last time the institution offered comparable profitable deposits was in July-August of this year. The 2018 New Year's deposit made with Sberbank of Russia is the optimal opportunity to increase their well-being not only for people of working age, but also for pensioners. Thanks to favorable conditions, the investor will be able to accumulate the missing funds for the purchase of real estate or equipment, vacation or education within up to six months.
It is important to note that New Year’s deposits limit the investor’s use of funds placed at interest. During the entire term of the deposit, these deposits will not be replenished or partially cashed out. However, Sberbank makes it possible to withdraw interest on deposits and transfer it to another account.
How to open a New Year's deposit in Sberbank for individuals
In financial institutions today, opening a deposit is one of the simplest and fastest procedures. Sberbank is no exception: in order to make a “Simply 6.5%” deposit, a potential depositor just needs to contact. Finding it will not be difficult, because the network of Sberbank representative offices includes more than 16.5 thousand branches in 83 constituent entities of the Russian Federation, located in 11 time zones.
An even simpler procedure awaits those who want to open the “Simply 7%” deposit program. They need to use the Mobile Bank and Sberbank Online applications, which have an impressive customer base: today it has more than 30 million users each. Finally, depositors can open a deposit using an ATM. Sberbank is also a leader in this indicator: its network of ATMs and self-service terminals includes more than 90 thousand devices.
Banks are trying to create conditions that will be as convenient as possible for people, so that preference is given to this particular bank. This calculation is aimed at obtaining more clients, and accordingly the bank’s profit increases. New Year's deposits in Sberbank in 2017 are also built on the most comfortable conditions for clients, but with the goal of generating significant profits.
"Manage"
· The main advantage of the deposit is the ability to replenish the account at any time or withdraw funds from the account, but after withdrawal the minimum amount agreed upon in the agreement must remain in the account. For example, it is indicated that the balance should be 10,000 rubles, and the account balance is 15,000, so you can withdraw no more than 5 thousand.
· The minimum deposit period is three months, and the maximum deposit can be opened for three years.
· You can open a deposit for a minimum of 30,000 rubles, 100 dollars or euros. And you are allowed to top up your account in the future with an amount of at least 1,000 rubles.
· Clients are given the choice of calculating the interest rate; if the choice is in favor of capitalization, then the funds are transferred to the account, without capitalization - at the discretion of the depositor, it can be to a card or savings book.
· The maximum interest rate under the program is 7.31% subject to capitalization, up to 7.20 - without capitalization, 0.86 - for euro deposits, 1.8% - for deposits in dollars.
"Replenish"
This program is especially beneficial for those who prefer gradual accumulation, but want to profit from funds in significant amounts.
· The minimum for opening a deposit is 1,000 rubles. If a dollar or euro deposit is created, then the amount is 100.
· The terms of the agreement provide for capitalization or its absence, then the interest rate is charged to the account at the discretion of the depositor, for example to a bank card. Accruals are made every month.
· It is prohibited to withdraw funds from the account before the due date, but you can replenish funds in an amount of at least 1,000 rubles. The rate for this program, taking into account capitalization, is 8.07%; if you choose to transfer interest to the card, then the maximum rate will be 7.65%. But in order to receive the maximum deposit rate, you must open an account of at least 700,000 rubles for a period of 6 months.
"Happy year"
· This program provides the highest annual rate from Sberbank currently, which is 10%. But in order to receive such a rate, you need to open an account with at least 10 million rubles. If an open deposit is equal to an amount from 150,000 to one million, the interest rate on the deposit will be equal to 9%, if a deposit is opened for 1 million - 10 million, the rate will increase to 9.5%.
· This program has a negative side, namely the minimum for opening a deposit is 150,000 rubles.
· The period depends on the chosen currency: rubles are stored for 9 months, and in euros and dollars for 10, 18 months at the discretion of the depositor.
· According to the terms of the agreement for this program, you cannot withdraw funds or replenish your account.
"Gift a life"
· The contribution is considered charitable because it helps children with serious illnesses. The bank transfers 0.3% from each depositor's account to a charitable foundation once a quarter.
· The maximum rate taking into account capitalization is 8.35%. Also, the interest rate can be transferred to the depositor’s card once every 3 months.
· To open a deposit under the Gift of Life program, you will need a minimum of 10,000 rubles.
· The deposit period is one year.
· Partial withdrawal of funds or replenishment of the account is prohibited under the agreement from Sberbank.
"Multi-currency"
· Multicurrency deposit allows you to open a deposit in several currencies simultaneously.
· The rates for this program are low and amount to a maximum of 6.88% for ruble accounts, and if the interest is transferred to the depositor’s card and not back to the account, then the rate will be no more than 6.55%. A dollar deposit has a rate of up to 1.78%, and a euro deposit of up to 0.91%.
· The minimum for opening is very small, only five rubles (euro, dollar).
· Deposit term: 1-2 years.
· According to the terms of the agreement, it is allowed to replenish the account with an amount of at least one thousand rubles, and if a euro or dollar account is replenished, then the minimum for replenishment is 100, but it is forbidden to withdraw funds before the due date.
"Pension plus"
The bank also has an offer that is valid only for pensioners, but the rate is only 3.55%, despite the fact that any pensioner has the right to open an account under another program with a higher rate.
Important: When opening the selected deposit, you must carefully read the terms of the agreement in order to avoid misunderstandings between the bank and the depositor. Any unclear points must be clarified with bank employees.
On the eve of the holidays, banks are offering seasonal New Year's deposits 2018. If you have free money and are thinking about making a deposit, then you have the opportunity to place it at higher rates in the bank.
New Year is a wonderful fairy-tale holiday, I would like the names of the deposits to be some interesting, original ones. But this year, banks gave simple names to their deposits: New Year's, Christmas, Holiday Choice, Winter Holidays, Winter Online and so on.
Let's start the review of deposits with the most popular and largest banks in the country.
New Year's deposits 2018 in Sberbank
Sberbank always offers the population low deposit rates; it does not experience a shortage of depositors. Currently the maximum bank rate is 4,8% . This is when opening a Save Online deposit, for a period of 6-12 months and in an amount from 1 thousand to 100 thousand. If the deposit amount is from 700 thousand to 2 million rubles, then the rate increases to 5,5% .
In honor of the New Year, the bank offers to open a savings deposit for a period of 5 months. The rate is 7% when opening remotely: via an ATM, online banking, mobile application. When opening through a bank office - 6.5%.
Sberbank did not come up with a fancy name, but called the New Year’s deposit Simply 7%, so that potential depositors would immediately appreciate Sber’s generosity. By the way, last year Sberbank’s New Year’s contribution was called “Good Year”, and the rate was 7.4%.
The “Simply 7%” deposit cannot be replenished, money cannot be partially withdrawn, and in case of early closure, interest will be accrued at a demand rate of 0.01%.
The main disadvantage of the deposit is the minimum amount of 100 thousand rubles. The deposit is opened only in rubles. There is no capitalization, interest is accrued at the end of the deposit term.
VTB24 New Year's deposits
VTB24 also doesn’t bother with the name of its contribution, just Seasonal. It is not connected with holidays, so it could be opened from 09/11/2017 to 12/31/2017. Duration - 7 months.
No: capitalization, replenishment, partial withdrawal. In case of early closure, income is calculated at a demand rate of 0.01%. Deposit is only in rubles. The minimum deposit amount is 30 thousand rubles.
On the “Seasonal” deposit, interest is accrued in a ladder method on a regressive scale: the rate depends on the term of the deposit and decreases as the term expires.
The bank indicates the deposit rate to 10%, maximum rate only for the first two months:
- 1 - 2 months - 10%,
- 3 month - 8.75%,
- 4 - 5 months - 6%,
- 6 - 7 months - 5%.
Interest is calculated and paid monthly to the master account.
VTB Bank of Moscow
The bank offers an interesting contribution Loud benefit with a rate of up to 10% and an effective rate of 7.6%. The interest depends on the term of the deposit:
- 1-30 days - 10%;
- 31-60 days - 7.40%;
- 61-90 days - 7%;
- 91-120 days - 6%.
The offer is valid until December 31, 2017. The minimum amount is 30 thousand rubles. You cannot replenish your deposit or withdraw money. The deposit period is 120 days.
In case of early termination: for the full 30 days of placement, interest is calculated at a preferential rate - 6%, for less than full 30 days - 0.01%.
For the first two automatic extensions of the deposit, a rate of 6% is charged, and then at the demand rate.
Restrictions: The following investors can open a “loud profit”:
- who have not opened a deposit in this bank for 6 months;
- existing clients for whom at least 91 days have passed since the date of opening the deposit, and the amount in ruble accounts on the day of opening the seasonal deposit is greater than or equal to 90% of the amount that was in the accounts 30 days ago.
Bonuses: To each investor who opened the “Loud Benefit” at a bank branch A non-personalized Visa Gold card is issued. Accrued interest is transferred to it monthly.
The card is valid for 3 years. The first 2 years of service are free, for the 3rd year a commission of 1.5 thousand rubles is charged. The card is interesting because it has a 1% cashback on all purchases. Cashback is accrued throughout the card's validity period.
When opening a deposit in the amount of 350 thousand rubles. a certificate with an activation code from Tele2 for free mobile communications is provided. The size of the bonus is equal to the “My Conversation” tariff plan for 12 months, for example for Moscow and the Moscow region it is 2,388 rubles.
ICD
Moscow Credit Bank, as always, is the leader in high rates on deposits. He offers New Year's contribution for a period of 190 days and rate 8.5%.
The deposit is divided into two periods: 1 - 95 days and 96 - 190 days. In case of early closure of the deposit in the second period, interest for the first period is accrued in full, and for the current period at the demand rate.
No: prolongation, partial withdrawal, replenishment and capitalization.
MPB
Moscow-Paris Bank also offers New Year's contribution and also with a rate of 8.5% per annum. The deposit can be opened from December 1 to December 31, 2017 for a period of 200 days.
The minimum amount is 100 thousand rubles. Not provided: deposit replenishment, partial withdrawal, in case of early termination, interest at the demand rate.
Gazprombank
Gazprombank offers to open a “Holiday” deposit before 01/31/2018 from 100 thousand rubles for 121 days. Deposit rate - 7,25% , interest is paid on the expiration date.
In case of early termination, interest is paid at the demand rate.
Bank "Saint-Petersburg
The bank offers contribution “Winter Petersburg”, where the rate depends on the term of the deposit: for 6 months - 6.8%, for a year - 7%, for 1.5 years - 6.7%.
The minimum deposit amount is 10,000 rubles; for WWII veterans, WWII disabled people, residents of besieged Leningrad and those awarded the medal “For the Defense of Leningrad” - 1,000 rubles. Deposits and partial withdrawals are not permitted. Early termination means payment of interest at the call rate.
When opening a deposit "Winter Petersburg Online", which is opened via Internet banking, rates increase:
- for six months - 7.10%,
- for a year - 7.3;
- for a year and a half - 7.0%.
Post Bank
Offers to open a “Good Deposit” deposit before December 31, 2017 for a period of 181 days and a minimum amount of 50 thousand rubles. Rate -7.8% per annum.
Energotransbank
Energotransbank has prepared two winter deposits at once: Winter Holidays and Winter Online. They can be opened until January 31, 2018, the minimum deposit amount is 100 thousand rubles, the deposit period is 91-180 days.
Deposit Winter holidays - rate 7.4%.
Winter deposit online - rate 7.65%. You can only open it through online banking.
Replenishment and partial withdrawal are not provided.
Troika-D Bank
Contribution "Welcome!" accepted until January 15, 2018. Minimum amount 50 thousand rubles. If the deposit period is 181 days - the rate is 7.5%, 365 days -7.9%.
The deposit is replenished, in the amount of at least 10 thousand rubles.
Texbank
The bank accepts contribution "Rozhdestvensky" until 01/31/2017 for 181 days at 8% per annum. The minimum amount is 50 thousand rubles.
Deposits and partial withdrawals are not provided. Investors become participants in a prize draw.
Moscow Industrial Bank
MInB offers replenishable deposits "Holiday Choice" with a minimum amount of 5 million rubles and a rate 9% per annum. The deposit can be opened from November 3 to December 25, 2017 (inclusive).
Bottom line
New Year's deposits 2018 are, as a rule, non-replenishable deposits with no possibility of partial withdrawal for a short period. In case of early termination, interest is recalculated at the demand rate.
The most attractive deposit, in my opinion, is New Year's deposit from Moscow Credit Bank. This is a bank that has been the leader in terms of the most profitable deposits for many years.
The New Year's deposit from MKB has a high rate of 8.5% and the opportunity, if early closure is necessary, to save the interest for the first period (if the deposit is more than 95 days old).
The minimum amount of this deposit is 1,000 rubles, for comparison: for Sberbank - 100 thousand, for VTB - 30 thousand rubles. Thus, a deposit from MKB is available to many who wish to make a deposit on the eve of the holidays.
In order to choose the best contribution for yourself, use popular ones. The offers are valid only December - January, hurry up to open a profitable New Year's deposit.
Happy investment!
Nina Polonskaya
On the eve of the New Year holiday, Sberbank management decided to please all its clients by providing the opportunity for a new, more profitable placement of deposits. This is truly beneficial for every Russian, since based on the conditions proposed by the bank, every citizen of the Russian Federation can take advantage of such an offer, regardless of his level of income and status in society.
Sberbank specialists offer several deposit offers at once, which are very profitable for Russians. The “Simply 7” and “New Year” deposits were extremely popular. Banking management initially assumed that this proposal would remain valid by the beginning of 2019. Today we will look at promotions on Sberbank deposits for the New Year, how profitable the “New Year” deposit is.
New Year's deposit offer
Sberbank’s proposal is to have time to register the New Year’s deposit before the end of 2018. Starting from January next year, the proposal associated with inflated interest rates loses its relevance. Such a deposit has several advantages compared to other investments. It has fairly simple registration methods; it can be done online, by going to the Internet service, or at the nearest Sberbank branch.
It is important to consider that this method of investment can be made both in rubles and in foreign currencies, the most common today, we are talking about dollars and euros. Ruble investments are designated from 500,000 to 100 million; in foreign currency, the permissible investment limit is from 20,000 to 10 million.
The agreement can be drawn up for a period of 30 to 366 days. The interest rate of this type of investment corresponds to 8.1%. However, it must be taken into account that the main condition of such a deposit is the impossibility of early withdrawal of funds or interest. This option will help Russians save their money in the event of rising inflation or a crisis.
Another profitable New Year's offer: the “Simply 7” deposit
This type of deposit placement of funds, similar to the previous proposal, is considered seasonal. This offer is valid only in the ruble version of investing capital; thanks to such a deposit, you can actually experience an increased interest rate. The agreement is concluded for a period of up to 5 months. This deposit cannot be withdrawn or supplemented early, but its advantage over the previous proposal is that the client, if necessary, can withdraw the interest accumulated on the deposit.
It is also distinguished by its simplicity of design. The “Simply 7” deposit is actually made only remotely. This can be done through the Sberbank Online mobile application, or simply by using one of the ATMs. Investors of this deposit receive an inflated rate in accordance with 7% of the annual profit. This offer is also valid only until the end of this year.
For the New Year holidays, we launched a ruble deposit “Without Passport” with a yield of 6.5% and 7% per annum, depending on the period of placement of funds. A deposit can be opened through an ATM, terminal, Internet bank or the Sberbank Online mobile application without presenting passport data.
Sberbank deposit "Without passport", deposit conditions
Sberbank’s new “Without Passport” deposit replaced the “Record” promotional offer, which could be issued until November 30, 2018. A new deposit will only be accepted for two months - from December 1, 2018 to January 31, 2019.Sberbank’s new deposit “Without Passport” is a New Year’s offer. Many experienced depositors remember Sberbank’s previous holiday offers. For example, “Happy Year” at 9% or “Good Year” at 8%. On the eve of 2018, the New Year’s deposit was called “Simply 7” and was issued, accordingly, at 7 percent per annum.
Those who do not yet have the “fortune” of being a Sber client will obviously have to become one in order to open the “Without Passport” deposit. For example, get a debit card. Then you will get access to the Internet bank and you will be able to make a New Year's deposit - 2019. As indicated in its name, absolutely without a passport.
New Year's deposits in Sberbank 2019 "Happy Year"
This deposit - the "Happy Year" deposit - was launched by Sberbank on December 18, 2015. At the moment, this contribution is no longer valid and is archived. Residents of the Russian Federation could open a deposit with increased interest rates until January 31, 2016. One of its main advantages is that funds can be placed from 150 thousand rubles for a period of 9 months in Russian rubles, from 3 thousand US dollars and euros for a period of 10 and 18 months.
The maximum deposit rate was 10% per annum in rubles, 3.10% per annum in US dollars, 2.00% per annum in euros. Interest on the deposit was accrued at the end of the term.
New Year's deposits in banks by 2019
In December, the population traditionally experiences increased income: for the holidays, people receive annual bonuses and other types of accruals. Credit institutions are rushing to present consumers with seasonal offers on deposits with increased rates.This year, such a service is offered by Moscow Credit Bank (MCB), Post Bank, Vozrozhdenie, St. Petersburg, Vostochny, OTP-Bank, as well as Svyaz-Bank, Transcapitalbank and others.
Pre-New Year deposit rates this year are on average 0.3-1.85 percentage points higher and amount to 6.5-8% per annum.
