Customers have known for a long time that the best time to buy is during the December holiday sales. Banks also keep up with the stores: in late autumn - early winter, they offer special seasonal programs for a short time, which are more interesting for the investor than the usual ones.
Traditionally, they are distinguished by the following features:
- they cannot be replenished;
- funds cannot be withdrawn in parts either;
- the term of the offer is limited;
- but the interest rate is significantly increased in comparison with other deposits.
Which deposits are the most profitable will be shown by the rating of the best offers of New Year's deposits in banks in 2017-2018.
| Bank | Contribution | Rate (%) | Minimum amount (rub) | Term (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 |
| Rosselkhozbank | The key to success | 7.7 | 100 000 | 180 |
| Post bank | Good contribution | 7,8 | 50 000 | 181 |
| SDM-Bank | Winter | 8 | 10 000 | 181 |
| Oriental | Christmas | 8,15 | 30 000 | 367 |
| B&N Bank | 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 |
Read also: Where to invest to get income in 2018.
10. Sberbank, "Just 7% - online"
- Rate: 7,0%.
- Minimum amount: 100,000 rubles.
- Validity: 150 days.
The list of New Year's offers from banks opens with an old horse that will not spoil the furrows - Sberbank. Although the interest rate on New Year's deposits is one of the lowest, it will definitely exist in the next year and, probably, the next decade. And it will not disappear in the morning 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 made remotely, by mobile, in the Internet bank or ATM. The generous offer from Sberbank will only last until December 31, 2017.
Partial withdrawal of this deposit is impossible, as well as its replenishment. It will also not be possible to automatically renew the "Just 7% - online" period.
9. Gazprombank, "Prazdnichny"
- 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-rollover 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.
The “loud profit” was affected by the changes that occurred with the profitability of various deposits. VTB Bank of Moscow raised not only dollar interest rates, but also the rate of the New Year's offer. It has increased, however, not much - only 0.35%.
You can have time to discover Loud Benefit before the end of December 2017.At the same time, there are restrictions: opening this deposit is available only to those customers who have not made deposits for six months, as well as customers who have a deposit that has passed at least 91 days from the moment of opening, and the amount on accounts (in rubles) on the opening day of the "Loud Benefit" is equal to or exceeds 90% of the amount on the accounts a month ago.
Unlike most other New Year's deposits, Loud Benefit has auto-rollover, but the rate when it is activated will be lower - 6% per annum. And you can open a deposit through the Internet bank.
7. Rosselkhozbank, "Key to Success"
- Rate: 7,55 – 7,70%.
- Minimum amount: 100,000 rubles.
- Validity: 61, 91 and 180 days.
Clarification: the minimum amount is 100,000 rubles - only if the user wants to open a deposit remotely. And if the depositor decided to go to the office of the bank with his feet, then the minimum amount increases five times. At the same time, the offer for remote users is valid until December 29, but with service in the office - until December 31, 2017.
Automatic renewal 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.
The newcomer to the banking scene, created with the participation of VTB Group and Russian Post last year, offers a fairly profitable deposit for three months - a pleasant rate, a relatively small minimum amount.
Attention! Post Bank is easy to confuse with Pochtobank. These are completely different structures. If Pochta Bank is directly related to the Russian Post, then Pochtobank is an old-timer in the financial market, created almost 20 years ago and the overwhelming majority of it belongs to Svyaz-Bank.
Replenishment of the "Good Deposit" is possible, albeit with reservations on the date - within the first ten days from the date of application to the bank.
Auto-rollover is also allowed, with the interest rate of the "Capital" deposit being 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 offer, which compares favorably with the others in the modest amount of the minimum deposit - from 10,000 rubles.
At the same time, neither opening a deposit online, nor its automatic renewal, nor partial withdrawal of funds are possible.
Even though SDM-Bank is not as well known as the other participants in the rating, it has been operating on the Russian financial market for a long time (since 1991). And it is included in the deposit insurance system. Basically, SDM-Bank specializes in servicing representatives of the sphere of medium and small businesses, as well as clients from organizations that have entered into an agreement with this financial institution.
4. East Bank, "Rozhdestvensky"
- Rate: 7,45 — 8,15%.
- Minimum amount: 30,000 rubles.
- Validity: 19, 181, 367 days.
Vostochny Bank is a large bank with branches located mainly in Siberia and the Far East. In 2017, as a result of a large-scale reorganization, Uniastrum Bank merged with Vostochny.
This financial organization offers not only one of the most profitable in terms of the rate of pension contributions, but also one of the best New Year's programs with a not too large minimum amount and a relatively high percentage.
You can open Rozhdestvensky through the Internet bank, but there is no possibility to automatically renew it.
3. B&N Bank, "New Year"
- Rate: 8,3%.
- Minimum amount: 50,000 rubles.
- Validity: 150-200 days.
You can use the offer from B&N Bank if the potential depositor 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. Reorganization is a set of measures to rehabilitate a bank, and is carried out if the bank is close to bankruptcy. However, reorganization is better than license revocation. Of course, the bank's press service claims that depositors are not in danger.
"New Year" can be replenished within the first 30 calendar days from the date of its opening. Another plus: early withdrawal of 20% (or less) of the total part of the deposit is provided.You can automatically renew the deposit, but then "New Year" will turn into "Profitable +" with a rate of 4.50%.
2. Credit Bank of Moscow, "New Year"
- Rate: 8,5%.
- Minimum amount: 1000 rubles.
- Validity: 190 days.
The New Year's offer from MKB differs in three extremely pleasant features for the layman:
- Quite a high percentage;
- Extremely low minimum amount;
- The ability to open a deposit via a mobile application or Internet bank.
Literally everyone, from a pensioner or a single mother, can get some money by investing a small amount.
The term of the deposit is a little over six months, but, if you wish, you can withdraw money ahead of schedule. In this case, interest accrued for the period before the day of receipt of funds is retained.
Cons: no automatic renewal, no possibility of replenishment, no 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 the New Year's deposits in banks in 2017-2018. However, it is worth looking at the amount of the deposit, as it becomes clear - an ordinary Russian who can hardly live up to his next paycheck has nothing to do here. 9%, of course, look nice - but the minimum amount for opening a deposit is no less than 5 million rubles. But for businessmen handling large sums, this option can be tempting.
Replenishment of the deposit is possible, however, with a proviso: it stops 3 months before the expiration of the "Holiday Choice". There is no auto-rollover or online deposit opening.
Summing up: if you have a small amount - in the range from a thousand to 10 thousand rubles, then the best option is the deposits under the numbers 5 and 2 in our list.
For people with amounts from 30 to 50 thousand rubles, deposits that are in 8, 6, 4 and 3 places in the selection are preferable.
For those who have 100 thousand rubles, Sberbank (number 10 of the rating), Gazprombank (number 9) and Rosselkhozbank (line 7) hospitably opened their doors.
And for the rich with 5 million rubles in their pockets, there is no alternative to the "Holiday Choice".