Features of the choice of seasonal deposits for individuals, including pensioners, offered by Russian banks as part of promotions in 2019. Conditions and interest rates of promotional deposits. What to pay attention to today, experts advise.

Seasonal deposits for individuals are offered by banks on the eve of various holidays, as well as during the seasons. These are temporary promotions that can be used, as a rule, for only a few months. Large banks, such as Sberbank or VTB, widely advertise such promotional deposits, attracting customers with various bonuses or maximum interest rates.

In 2019, the site reports, many banks are also offering seasonal deposits. Opening such a deposit is a good way to invest money.

For example, many depositors in Moscow, St. Petersburg and other cities of Russia open deposits during promotions when banks offer maximum rates. And, having taken the money with interest, they deposit it again, again opening a seasonal deposit with increased profitability.

But before you decide to carry funds to the bank, you need to carefully look at the features of promotional deposits.

Experts interviewed by RBC told what to look for when choosing seasonal deposits. But the same applies to deposits dedicated to other seasons or holidays.

Features of seasonal promo deposits in 2019

When choosing a seasonal offer, experts advise carefully studying 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 Natalia Smirnova, CEO of the Personal Advisor company.

Another important point that you need to check before opening a deposit is the availability of additional products that are imposed by banks along with seasonal promotions. This may be, for example, the execution of an investment life insurance policy. “The investor must evaluate whether he really needs an additional product,” says Smirnova.

The prolongation of the seasonal deposit is often unprofitable, notes Natalya Abramova from MARCS. Seasonal deposits tend to be short-term, so it's important to seize the moment and shift 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, RBC writes.

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 being reduced.

Seasonal promo deposits in banks in 2019: interest and conditions

Here, correspondents of the magazine site have collected New Year's holiday deposits for individuals, including pensioners, which are offered by Russian banks today.

“Catch the Profit” deposit — Sberbank

The return on deposits for VTB Multicard holders with the "Savings" option enabled will be 0.5-1.5% higher when spending on the card from 5,000 to 75,000 rubles per month.

Deposit “Growth time online” — VTB Bank

New Year deposit — Gazprombank

	Min. amount, rub.

When does it make sense to open seasonal deposits

So, for example, experts advise not to wait for seasonal offers from banks intentionally. It makes no sense to adjust your financial strategy for the sake of a deposit with a prize draw or higher rates by a few tenths of a percent.

Seasonal deposits can be opened if you suddenly have a large amount of money that has nowhere to spend. This is possible if, for example, you saved up funds for something, but then abandoned the purchase. Or if the term of one deposit has expired, you need to open a new one, but you are not satisfied. In this case, the increased percentage will be most welcome.

The information is for reference only and is not a public offer.

The most profitable bank deposits of the outgoing year

On the eve of the winter holidays, banks begin to lure customers with new deposit offers. They raise interest, raffle prizes and even give gifts.

And investors, in the meantime, really should take care of their finances. New Year's holidays are a traditional time when money tends to slip out of your wallet, so you need to think in advance about creating a reserve fund that could provide for you in the future. The portal site has chosen the most advantageous bank deposit offers for the New Year.

Profit above all else

The main difference between New Year's deposits is not the name, as you might think, but a really increased interest rate. A fairly generous rate of 13% is offered by Rosinterbank on the Festive deposit. The minimum amount required to open a deposit is 10 thousand rubles from the budget. An additional advantage of the deposit is its flexibility: depositors have options for replenishment and partial withdrawal of funds. Interest is calculated monthly, but capitalization is not provided. You can get the maximum rate on a deposit if you open it online and keep funds in your account for 550 days.

By the New Year, a high-yield seasonal deposit has also appeared in the line of BBR Bank. The interest rate, depending on the term, ranges from 12.75% to 13%. Interest on the Winter Lights deposit is calculated annually, while the deposit can be opened for a longer period - up to 745 days. The minimum deposit amount is 30 thousand rubles, partial withdrawal of funds is not provided.

New Year's deposit at 13% is also available at Mezhtrustbank. The deposit can be opened for 367 days with a minimum amount of up to 500 thousand rubles. Interest is paid at the end of the term, the functions of depositing an account and partial withdrawal of funds are also available for depositors. Capitalization on the deposit, as in the previous two cases, is not provided.

Gift boxes

On the eve of the New Year holidays, some credit institutions decided to please their customers not only with highly profitable deposits, but also with gifts. Thus, Rosavtobank offers its customers a souvenir made of crystal as a gift to the deposit at 12.5% ​​per annum. True, what kind of souvenir, the bank does not specify.

The Military-Industrial Bank opened two shares at once for its depositors. When opening one of the four universal deposits of the bank - "Comfortable", "Children", "Pension", "Multi-currency" - and one New Year's "Winter Fairy Tale", the client can receive one of 2 thousand sets for mulled wine as a gift. And depositors who wish to open a "Comfortable" deposit for a period of 181 to 365 days in the amount of 450 thousand rubles can receive the main gift from the bank - a multicooker.

Where to find the highest rates

Although, often, banks prepare the most profitable deposits just for the New Year holidays, you should also pay attention to other events and promotions. For example, the commercial bank VVB, although it did not introduce special New Year deposits, still has a special offer for customers on the occasion of the bank's birthday. Universal deposit "We are 25!" can be opened at a rate of 12.9% to 13.4% per annum in the amount of 10 thousand rubles. Interest is calculated monthly, and the term of the deposit does not exceed 367 days. However, the owner of such an account will not be able to use the deposit replenishment and partial withdrawal functions.

Russian Standard Bank decided to stir up interest in itself in winter with the help of a hot deposit “for the summer”: a deposit can be opened in the amount of 30 thousand rubles. at a rate of up to 14% per annum. Please note that this deposit is a ladder deposit, which means that the depositor will receive the highest percentage only at the end of the first settlement period - 90 days. Further, the rate will gradually decrease to 12%, and then to 10% per annum. Therefore, it is most advantageous to withdraw funds from the deposit ahead of schedule after the end of the first period without loss of interest. In addition, the New Year's Eve for travel lovers is now valid on the deposit.

Other profitable New Year's deposits in the table below.

TOP-15 New Year's deposits

Bank/ Name Contribution	Bid (%)	Sum (thousand roubles.)	Term (days)	Pay percent	Refill/ Part. withdrawal
Rosinterbank/	13	from 10	550	monthly	Yes Yes
Bank BBR/	13	from 30	550	at the end deadline	Not really
Mezhtrustbank /	13	from 500	367	at the end deadline	Yes Yes
Crossinvestbank/	12,9	from 100	365	monthly	Not really
Riabank/	12,8	from 100	367	at the end deadline	Not really
Interprogressbank/	12,75	from 500	367	at the end deadline	no no
Millennium Bank/	12,75	from 150	181	monthly	no no
YAR Bank/	12,75	from 50	367	at the end deadline	Not really
Binbank/	12,5	from 50	90	at the end deadline	no no
Tauride /

Everyone's favorite winter holiday gives banks the opportunity to offer seasonal New Year deposits 2016-2017, attracting with special conditions and bright names. Consider what interesting banks offer to depositors on the eve of the New Year 2017.

Sberbank deposit Good year

The peculiarity of the deposit is that not everyone, having the necessary amount, will be able to place it on the "Festive". Only those customers who did not have valid term deposit agreements from 01.08.16 to 31.10.16 are entitled to take advantage of the bank's New Year's offer.

LocoBank Deposit Ice Age

One of the few banks where you can open holiday deposits not only in rubles, but also in foreign currency. US dollar and euro are accepted only for periods of 400/800/1100 days. Deposit terms for the Russian ruble are much shorter - 100/200/300/400 days.

Min. amount - from 10 thousand rubles / 300 dollars / 300 euros. Maximum - 2 million rubles / 60,000 dollars (euros). Deposits are replenished up to the maximum possible amount, but for terms of 100/200 days, the acceptance of replenishments ends one month before the end of the term, and deposits for 300/400 days are replenished only in the first two hundred days.

Interest

At the rates of the Ice Age, an extensive table is presented on the official website.

Interest in rubles increases not only in direct proportion to the proposed terms, but also within the very terms of the duration of deposits:

• hundred-day: the first half of the term - 7%, the second - 8%;
• two hundred days: the first half of the term - 7.5%, the second - 8.5%;
• three hundred days: 1st half. term - 7.5%, the second - 9%;
• four hundred days: up to 300 days - 8%, from 301 days - 11%.

But the maximum possible rates for foreign currency can be obtained by placing a deposit for four hundred days - 1.75% for the dollar and 1.15% for the euro. Placing the currency for longer periods will give only 1% for the dollar and 0.5% for the euro.

Bank Novopokrovsky deposit "Brusnika"

The Bank offers two seasonal New Year's deposits for the period from 11/16/2016 to 02/28/2017 "Cowberry" and "Cowberry Online". Conditions for a deposit worthy of attention:

• the minimum amount is 30,000 rubles;
• deposit term — 370 days;
• replenished within the first 90 days, the minimum replenishment amount is 5,000 rubles;
• partial early withdrawal after 2 months with interest retained (no more than 25% of the deposit amount);
• the rate is 9.20%, and for the online deposit - 9.45%.

The deposit is opened only in rubles. Interest is calculated monthly, there is no capitalization.

If we compare New Year's deposits in 2016-2017 with deposits last year, then the rates were higher, there were more and more diverse offers. But last year the key rate was higher and there were more banks.

If you want to open New Year deposits 2017, hurry up, seasonal deposits are not durable.

Happy investment!

New Year is the best time to give gifts to each other. Financial organizations also do not deviate from this holiday tradition, and prepare a number of interesting and profitable offers for the population. New Year's bank deposits in 2019 are a great opportunity to profitably invest private savings. Unlike other periods, the New Year holidays are considered the most successful time to open a special deposit.

If you are going to profitably invest your own funds, you should not rush. To get the maximum profit, it is important to first study all the offers from the largest financial institutions. It is the large banks of the Russian Federation that prepare the most profitable and profitable offers for individuals. New Year's deposits and holiday promotions will allow you to slightly increase your own budget without any risk.

Features of New Year's deposits

In order to soberly assess all the benefits and nuances of New Year deposits, you should definitely study this segment of banking products as a whole, taking into account the motivation of financial structures. As noted at the beginning of our conversation, this is a great chance for banks to attract the attention of customers.

A simple psychological trick works here: on the eve of the holiday, we subconsciously expect gifts and congratulations from everyone around us, and, of course, we are not more loyal to those who make them to us.

Therefore, if in another period you might have dismissed the next offer to make a bank deposit, now you will be pleased ... that you are “pleased”. Here is such a pun. Although, there is nothing criminal or bad in general here, in principle, as a rule, everyone benefits from such actions.

On the other hand, we must understand that banks are banks because they know how to count money. They, like a casino, always win. And it is difficult to reproach them with altruism.

Therefore, look carefully at the terms of the deposit, as a high rate is often compensated:

• short term (a month - six months, maximum. It is logical that you will not earn as much on it as on long contracts);
• the impossibility of early withdrawal or replenishment of the account, the specific payment of interest (as a rule, only at the end of the term. If you break the contract, you lose all the increased interest - at best, the base rate will be calculated);
• absolutely unfavorable conditions for prolongation (in most cases at the most basic rate).

At the same time, the percentage, unlike other times of the year, can significantly exceed the current rate of the Central Bank. Advertising campaigns for New Year's deposits are carried out on a very large scale, counting on the general degree of positive in society.

Sberbank

One of the most accessible and popular banks in the country is Sberbank. On the eve of the new 2019 for individuals, the organization has prepared a number of very interesting and profitable promotions, each of which has its own specific advantages.

New Year's deposit 2018-2019 opens up a wonderful opportunity for its clients to make a holiday deposit at an increased interest rate. This offer is suitable for citizens with any income level, so you can increase your budget much faster, or just save your own funds from inflation.


Bank employees recommend paying attention to longer programs - they not only provide higher interest rates, but also provide maximum benefits. A New Year's deposit in many banks can only be opened until December 31, 2018, so it's time to choose the most suitable offer.

The conditions of the most popular seasonal offer "Just 7%":

• Deposit term - 5 months;
• Possibility of early withdrawal - no;
• Interest accrual - at the end of the contract.
• The minimum deposit amount is 100 thousand rubles.

If necessary, you can prolong the contract on the usual terms.

From Rosselkhozbank

The New Year's action from Rosselkhozbank bears the eloquent name "Key to Success". The rate on it will be equal to 7.7% per annum. The minimum deposit on it will be a hundred thousandth account, and its terms can be determined for yourself different, which is very convenient - it can be two, three months or six months.

Important note: 100,000 is if you make a deposit remotely. If you bring money to the office, then it should be an amount not less than half a million.

On the eve of the last New Year, excellent deposit programs were also launched by Promsvyazbank (special offer to restart with increased percentages of the Multicurrency Basket deposit), MKB (Novogodny deposit at 8.5%), Russian Capital (for 91 days at 8% program "Digital Bonus"), there were also promotions from Home Credit Bank.

Obviously, even now they will strive to please their customers with delicious offers, however, specific information from them will appear a little later - closer to the holiday itself.

"Home Credit"

From October 18, 2018, it is possible to issue a seasonal deposit "Novogodniy" in Home Credit Bank. The conditions are quite acceptable, and are much more profitable than similar offers from other financial institutions.

• "New Year's" from Home Credit Bank is a profitable deposit of personal funds for 90 days (3 months). The interest rate is 8%, and the minimum amount is only one thousand rubles. Optionally, additional deposits of funds to the deposit account are allowed.

It should be borne in mind that account replenishment is possible only during the first month after opening a deposit. At the same time, debit transactions and early withdrawal of money are not provided. Clients can terminate the contract ahead of schedule - in this case, interest will be paid at a rate of 0.01% per annum. At the end of the contract, all interest is paid at the end of the term to the card (account) or in cash at the cash desk.

To draw up an agreement, you should visit one of the bank branches and present any identity document. Both regular or salary clients of the organization, and new investors can take advantage of the seasonal offer.

For those who want to make a deposit for a large amount, the banking organization offers a wide range of offers, including: "Investment" with an 8% annual rate (for 12 months), "Cabinet Plus" and others. For pensioners, there is a loyalty program and special promotions in the form of a ruble deposit "Pension Plus" and "Quick Income".

Shares from other banking organizations

Prepare New Year's gifts for their clients and other financial institutions. Before choosing the most interesting conditions and favorable rates, pay attention to other Russian banks:

• Promsvyazbank. Investments during the New Year period will be beneficial for all bank customers. "My Strategy" offers to place own funds at a high interest rate (up to 8.20%). Debit transactions on the deposit are not provided, the payment of interest to the account or in cash at the cash desk at the end of the contract. There is a possibility of prolongation (up to 3 times).
• Primsotsbank. By the coming 2019, all bank customers are waiting for a profitable deposit "New Year's Stocking". The minimum investment amount is only 10 thousand rubles, which will bring investors up to 7.35% per annum.
• "St. Petersburg". Until January 31, 2019 inclusive, everyone will be able to profitably invest their money if they take advantage of the Winter Petersburg online offer. There are two investment options available for individuals: ruble (6.7-8.2%) and dollar (2.2-3.2%). The minimum amount for the execution of the contract is 10 thousand rubles or 500 US dollars. Deposit placement from 6 to 36 months.

We hope our list of New Year's deposits from the country's leading banks was useful to our readers. However, we will take the liberty of presenting them with some more good advice on the topic for free. First, if you have a large amount of money on hand, never keep it all in one bank. And even more so on one depositary account.

Nobody argues, often the profitability of interest depends on the size of the contribution, but it is better to look for a middle ground, trusting several financial structures, than, in which case, to lose everything in one fell swoop.

Now, however, the State Deposit Guarantee Fund compensates for losses from cooperation with bankrupt or dishonest banks in the amount of up to 1.4 million rubles. But, you yourself understand how long all the formalities last for us, how difficult it is to prove everything, and how much effort all this bureaucracy takes.

On the same topic, one more note: never keep all your money in one currency. Experts advise, if the amounts on hand allow, put somewhere around 20-30% on foreign currency accounts, and keep half of the money in rubles. The rest - either invest wisely, or leave it in the same currency, but not in banks. So, just in case...

In addition, it is worth signing deposit agreements not only with top rating banks, choosing among them those whose conditions are the most attractive - it is worth reading analytics in relation to them from professional publications, comparing indicators for several previous years, and familiarizing yourself with forecasts.

And, of course, I don’t think it’s necessary to remind once again that it’s super-stupid to “behave” for super-large bets, as well as to be tempted by all sorts of dubious schemes of financial pyramids, trust funds and the like.

Since the beginning of the year, deposit rates have been gradually declining. According to the Central Bank, now the maximum rate in the 10 largest banks is only 7.39% per annum. But before the New Year holidays, banks are ready to slightly improve conditions. Here's what they offer.

14 New Year contributions in top 30 banks

Bank	Contribution	Maximum rate (annual)	Minimum amount (rub.)	Maximum term	open before
Sberbank	Just	7%	100 000	5 months	31.12.2017
Gazprombank	Festive	7,25%	100 000	121 days	31.01.2018
Binbank	New Year	8,3%	50 000	200 days	As long as there is no time limit
Promsvyazbank	My income	8,55%	100 000	367 days	As long as there is no time limit
Moscow credit bank	New Year	8,5%	1 000	190 days	31.12.2017
Moscow Industrial Bank	holiday choice	9%	5 000 000	150 days	25.12.2017
Ural Bank for Reconstruction and Development	Maximum online	8,4%	1 000	180 days	31.12.2017
Bank "Saint-Petersburg"	Winter Petersburg online	7,3%	10 000	367 days	31.01.2018
Eastern Express Bank	Christmas	8,35%	30 000	367 days	As long as there is no time limit
Home loan	New Year	8%	1 000	3 months	As long as there is no time limit
Uralsib	warm relationship	8%*	80 000	240 days	As long as there is no time limit
rebirth	New Year Percentage	8,55%	50 000	367 days	As long as there is no time limit
Raiffeisenbank	profitable season	6%	100 000	366 days	12.01.2018
Post Bank	good contribution	8,05%	50 000	181 days	31.12.2017

* progressive rate

Features of New Year's deposits

In order to get more favorable conditions for the deposit, you will need to comply with several conditions.

• Minimum deposit amount

In 3 banks (MKB, Ural Bank for Reconstruction and Development and Home Credit), 10 thousand rubles are enough to open a deposit. In the rest, the minimum amount varies from 10 thousand to 100 thousand. And in the Moscow Industrial Bank, where the highest deposit rate is 9%, you will need to deposit 5 million rubles into the account. At the same time, if you invest more than 100 million rubles, the rate will be reduced to 4.5%.

• remote opening

For some offers, in order to receive the maximum rate, it is necessary to open a deposit online. We are talking about the contribution of the Bank "Saint Petersburg" with a rate of up to 7.6% and the Ural Bank for Reconstruction and Development with a yield of up to 8.4%. Sberbank offers a 7% rate when opening a deposit for five months through an ATM, mobile application or Internet bank. If you make a deposit at a branch, the rate will drop to 6.5%.

• For beginners only

At the Ural Bank for Reconstruction and Development, only new clients can open a New Year's deposit.

• Bets with special conditions

“Warm relations” from Uralsib imply a progressive rate: for the first 80 days it will be 5%, in the next period an income of 6% will be accrued, and in the third stage - 8% per annum.

How to get more return on investment

1. Take advantage of seasonal offers.
2. It is better to place money for the maximum term in order to fix the rate for a long time.
3. It is more profitable to open deposits remotely.
4. It is better to choose deposits without replenishment and partial withdrawal. The stakes are higher.

How did we count?

The search for New Year offers was carried out among the top 30 banks in terms of the volume of deposits as of November 1, 2017 Sravni.ru. The maximum possible rate and term of the deposit were taken into account. In the table, the proposals are ranked by the amount of funds attracted by banks from the population.