Buyers have long known: it is most profitable to buy during the December holiday sales. Banks are not far behind stores: in late autumn and early winter, they offer special seasonal programs for a short period of time, more interesting for the investor than regular ones.
Traditionally, they differ in the following features:
- they cannot be replenished;
- funds in parts cannot be withdrawn either;
- limited offer time;
- but the interest rate significantly increased compared to other deposits.
Which deposits are the most profitable will be shown by the rating of the best offers of New Year deposits in banks 2017-2018.
| Bank | Contribution | Rate (%) | Minimum amount (rub) | Duration (days) |
|---|---|---|---|---|
| Sberbank | Just 7% - online | 7 | 100 000 | 150 |
| Gazprombank | Festive | 7.25 | 100 000 | 121 |
| VTB Bank of Moscow | Loud benefit | 7.6 | 30 000 | 121 |
| Russian Agricultural Bank | The key to success | 7.7 | 100 000 | 180 |
| Mail bank | Good contribution | 7,8 | 50 000 | 181 |
| SDM Bank | Winter | 8 | 10 000 | 181 |
| Oriental | Christmas | 8,15 | 30 000 | 367 |
| Binbank | New Year | 8,3 | 50 000 | 150-200 |
| Moscow credit bank | New Year | 8,5 | 1 000 | 190 |
| Moscow Industrial Bank | Holiday Choice | 9 | 5 000 000 | 100-150 |
10. Sberbank, “Just 7% - online”
- Rate: 7,0%.
- Minimum amount: 100 000 rubles.
- Validity: 150 days.
Opens a list of New Year's offers from banks an old horse that does not spoil the furrow - Sberbank. Although the interest rate of New Year’s deposits is one of the lowest, he will certainly exist in the next year and, probably, in the next decade. And the next morning it will not disappear like dew under the sun, as too many banks have already done in the memory of Russians over the past two decades.
The peculiarity of this particular deposit is that it can only be done remotely, by mobile, in the Internet bank or ATM. The term of the generous offer from Sberbank will last only until December 31, 2017.
Partial withdrawal of this contribution is impossible, as well as its replenishment. Also, it will not be possible to automatically renew the term “Just 7% - online”.
9. Gazprombank, "Festive"
- Rate: 7,25%.
- Minimum amount: 100 000 rubles.
- Validity: 121 days.
Almost the twin brother of Sberbank - an offer from Gazprombank. The interest rate is very close, and the minimum amount is generally the same. True, unlike Sberbank, you can take advantage of the offer from Gazprombank a little longer - until January 31, 2018.
Options such as opening a deposit via the Internet, auto-prolongation and partial withdrawal of funds are not provided.
8. VTB Bank of Moscow, “Loud benefit”
- Rate: 7,6%.
- Minimum amount: 30 thousand rubles.
- Validity: 4 months.
“Loud benefit” was affected by the changes that have occurred with the return on various deposits. VTB Bank of Moscow raised not only dollar interest, but also the rate of the New Year’s offer. True, it did not increase much, only 0.35%.
You can manage to discover “Loud Benefit” before the end of December 2017. There are also limitations: opening this deposit is available only to those clients who have not made deposits within six months, as well as to clients who have a deposit valid from the moment of opening of which at least 91 days have passed, and the amount in the accounts (in rubles) on the day of opening the “Loud Profit” is equal to or exceeds 90% of the amount in the accounts a month ago.
Unlike most other New Year deposits, Loud Benefit has auto-prolongation, but the rate when it is used will be lower - 6% per annum. And you can open a deposit through online banking.
7. Russian Agricultural Bank, “The Key to Success”
- Rate: 7,55 – 7,70%.
- Minimum amount: 100 000 rubles.
- Validity: 61, 91 and 180 days.
Clarification: the minimum amount of 100,000 rubles - only if the user wants to open a deposit remotely. And if the depositor decided to go into the bank office with his legs, then the minimum amount increases five times. At the same time, the offer for remote users is valid until December 29, but with office service - until December 31, 2017.
Automatic extension of the deposit and its replenishment is not provided.
6. Post Bank, “Good Deposit”
- Rate: 7,8%.
- Minimum amount: 50 000 rubles.
- Validity: 181 days.
A newcomer to the banking scene, created with the participation of VTB Group and Russian Post last year, offers a rather profitable contribution for three months - a nice rate, a relatively small minimum amount.
Attention! The Post Bank is easily confused with the Post Bank. These are completely different structures. If Post Bank is directly related to the Post of Russia, then Pochtobank is an old-timer in the financial market, it was created almost 20 years ago and the vast majority of it belongs to Svyaz-Bank.
Replenishment of the “Good Deposit” is possible, although with reservations by the deadline - within the first ten days from the date of application to the bank.
Auto-prolongation is also allowed, and the interest rate of the Capital deposit will be in effect - 7.7%.
5. SDM Bank, “Winter”
- Rate: 7,4 — 8,0%.
- Minimum amount: 10 000 rubles.
- Validity: 181 days
A small Moscow bank offers a New Year's offer, which compares favorably with the rest by the modest amount of the minimum deposit - from 10,000 rubles.
At the same time, neither opening a deposit online, nor automatically renewing it, nor partially withdrawing funds is possible.
Although SDM Bank is not as famous as other participants in the rating, it has been operating in the Russian financial market for a long time (since 1991). And included in the deposit insurance system. Basically, SDM Bank specializes in serving representatives of the medium and small businesses, as well as customers from organizations that have concluded an agreement with this financial institution.
4. Eastern Bank, "Christmas"
- Rate: 7,45 — 8,15%.
- Minimum amount: 30 000 rubles.
- Validity: 19, 181, 367 days.
Vostochny Bank is a large bank whose branches are located mainly in Siberia and the Far East. In 2017, as a result of a large-scale reorganization, Uniastrum Bank was merged with Vostochny.
This financial institution offers not only one of the most profitable in terms of the rate of pension deposits, but also one of the best New Year's programs with not too large a minimum amount and a relatively high percentage.
You can open “Christmas” through the Internet bank, but there is no possibility to automatically renew it.
3. Binbank, "New Year's"
- Rate: 8,3%.
- Minimum amount: 50 000 rubles.
- Validity: 150 - 200 days.
You can take advantage of the offer from Binbank if the potential investor is not afraid of the events of September 2017. This month, a representative of Binbank himself turned to the Central Bank of the Russian Federation with a request for reorganization. Remediation is a set of measures to improve the bank, and is carried out if the bank is close to bankruptcy. True, reorganization is better than revoking a license. Of course, the bank’s press service claims that nothing threatens depositors.
“New Year's” can be replenished during the first 30 calendar days from the date of its opening. Another plus: early withdrawal of 20% (or less) of funds from the total part of the deposit is provided. You can automatically extend the deposit, but then “New Year's” will turn into “Profitable +” with a rate of 4.50%.
2. Moscow Credit Bank, "New Year"
- Rate: 8,5%.
- Minimum amount: 1000 rubles.
- Validity: 190 days.
New Year's offer from ICD is distinguished by three extremely pleasant features for just an average man:
- Pretty high percentage;
- Extremely low minimum amount;
- The ability to open a deposit through a mobile application or online banking.
Literally everyone, from a pensioner or a single mother, can get a little money by investing a small amount.
The deposit is valid for a little more than six months, but, if desired, you can withdraw money ahead of schedule. At the same time, interest accrued up to the day of receipt of funds is saved.
Cons: there is no automatic renewal, no replenishment, nor partial withdrawal of deposit funds.
1. Moscow Industrial Bank, “Holiday Choice”
- Rate: 9,0%.
- Minimum amount: 5 million rubles.
- Validity: 100 - 150 days.
If we take the interest rate as a basis, then this is the best offer among New Year deposits in banks 2017-2018. However, it’s worth looking at the amount of the contribution, as it becomes clear that there is nothing for a simple Russian citizen who can hardly live to see his next salary. 9%, of course, look beautiful - but the minimum amount for opening a deposit is no less than 5 million rubles. But for businessmen who operate in large amounts, this option can be tempting.
Replenishment of the deposit is possible, however, with the caveat: it stops 3 months before the expiration of the "Holiday Choice". There is no auto-renewal and online opening of the deposit.
To summarize: if you have a small amount ranging from a thousand to 10 thousand rubles, then the best option is deposits going under numbers 5 and 2 in our list.
For people with amounts from 30 to 50 thousand rubles, deposits in 8, 6, 4 and 3 places in the selection are preferable.
For those who have 100 thousand rubles, Sberbank (10th rating number), Gazprombank (9th number) and Russian Agricultural Bank (7th line) have hospitably opened their doors.
And for the rich with 5 million rubles in their pocket, there is no alternative to the “Holiday Choice”.
