Credit institutions conduct special promotions on certain dates, offering profitable terms deposits from higher rate. This practice of seasonal interest increases arouses active interest and demand among the population. By the beginning of the new year, Sberbank has also prepared excellent offers for new and existing clients: funds can be placed on good terms remotely and through the organization’s office, depending on the registration method, the rate is different.

New Year's offers from Sberbank on deposits in 2018

In recent years, the number of credit institutions has been declining, but competition in this area remains high. Facilities individuals- This is a significant financial resource for financial organizations. Struggling to attract clients, they resort to new types of products, coinciding with promotions with increased interest rates. deposit rates for holidays and memorable dates.

The majority of the population continues to trust their savings to Sberbank. In 2018, against the backdrop of a systematic decline Central Bank key rate Interest on deposit agreements was methodically reduced in all banks, not excluding Sberbank. Special New Year's offers allow you to get more... increased income under two new profitable investment programs. The leading organization in the country remains attractive to clients due to a number of other factors - these are:

• reliability;
• wide network of branches;
• a large range of services;
• Convenient online service.

Online deposit “Simply 7%”

The “Simply 7%” program for the new year offers improved conditions for deposits, which are issued under the following conditions:

• the proposed maximum rate applies to deposits opened through online services - ATMs, Internet banking, mobile application;
• term – 5 months;
• minimum amount – 100 thousand rubles;
• replenishment - no;
• payment of interest - interest at the end of the contract is added to the deposit (capitalized) or paid on bank card Sberbank;
• expense transactions– not provided;
• early termination - with interest at the “On Demand” rate established by Sberbank.

Holiday deposit in Sberbank “Simply 6.5%”

New Year's promotions on deposits at Sberbank, including “Simply 6.5%”, have more favorable conditions compared to other offers in the basic line. This type of deposit is opened on conditions similar to the previous ones - with the difference that the “Simply 6.5%” deposit is opened exclusively by employees of branches that serve individuals. Holiday contribution can be opened in any office that is convenient for the client for service based on the location and operating hours of the branch. You can find out how much income from an investment the bank will pay you by doing calculations on the organization’s website.

Who can open a deposit

High New Year's interest rates on Sberbank deposits are available to everyone - both new and existing clients. Any individual with a minimum amount of 100,000 rubles can take advantage of the holiday offer. New investors will have to contact a branch of the organization. Those who already have a bank card will be able to open a New Year’s deposit with Sberbank in 2017-2018 on their own. Typical age restrictions: from 18 years of age, the depositor has the right to manage the funds himself.

Validity period of the New Year's promotion

The new conditions are designed specifically for New Year's holiday. Such deposits are proposed to be issued exclusively until the end of this year. For those planning to place their savings, it is important to know that this promotion will no longer be available in the coming 2018. If the amount required to open a deposit is available, you should hurry up with the registration deposit agreement, without putting it off until the last troublesome days before the holidays.

Terms of deposits in the new year 2018

Sberbank deposits, although not leaders in interest rates in the financial and credit sector, remain in demand and are noted different options its conditions:

Type of deposit		Minimum amount investments	Replenishment/ early withdrawal		Interest: annual rate and payment terms
Save Online				Rubles; dollars; Euro	4.05-5.50 (₽);
Top up Online	From month (in euros – from year) – 3 years	1000 RUB/100 USD/100 EUR		Rubles; dollars; Euro	3.95-5.00 (₽); Capitalization or transfer to card
Manage Online	From month (in euros – from year) – 3 years	RUB 30,000/USD 1,000/EUR 1,000.	Cash from 1000 ₽/100 $/100 €, cashless replenishment is unlimited / Withdrawals are allowed up to the minimum balance	Rubles; dollars; Euro	3.25-4.70 (₽); Capitalization or transfer to a card.
Give Life (providing charitable assistance to sick children)					Capitalization every 3 months. Every quarter the bank transfers 0.3% per annum of the deposit amount to charity.
savings account	Indefinite		Yes/withdrawal unlimited	Rubles; Euro; US dollars Canadian, Hong Kong and Singapore; Chinese yuan, pounds	1.50-2.30 (₽); 0.01(Euro; US dollars Canadian, Hong Kong and Singapore; Chinese yuan, pounds sterling)
New Year's deposits in Sberbank in 2017-2018
	5 months
Just 6.5%	5 months				Capitalization or transfer to the card at the end of the term.

How to open a New Year's deposit in Sberbank

New Year's deposit in Sberbank in 2017-2018 is opened according to standard procedures approved credit institution for making transactions on a deposit account. The investor will need:

• present a passport/other document proving his identity;
• transfer the TIN (if available);
• indicate contact number(when concluding an agreement in the office).

Registration procedure

Holiday deposits for the New Year can be opened in two ways: independently through online services and through branches servicing individual clients. To make a deposit you must:

• “Just 6.5%.”
  1. Apply with your passport to a Sberbank branch in your region.
  2. Sign the agreement drawn up by the employee.
  3. Deposit money into the cash register.
• “Just 7%.”
  1. Use the Sberbank Online system through Internet banking on the organization’s official website, mobile application or self-service device.
  2. Select the “Deposits and Accounts” section.
  3. Activate the “Open a deposit” option.
  4. Select "Simply 7%".
  5. Fill out an application indicating the amount and accounts for debiting funds and crediting interest.
  6. Receive confirmation that the operation is complete.

Pros and cons of New Year's deposits

New Year's deposits in Sberbank in 2017-2018 are beneficial to many categories of the population. Credit institution provides individuals with a chance to successfully invest their savings in the most reliable place of storage at interest rates comparable to the level offered by non-governmental financial organizations. At the same time, without fear for the fate of your savings, you can deposit an amount greater than one million four hundred thousand rubles ( sum insured in law).

Like any promotion, the offer has its own characteristics:

• the minimum amount is higher compared to other Sberbank offers;
• the contract is opened for a short period of time – less than six months;
• replenishments and withdrawals are not provided until the deposit is closed;
• the contract can be terminated only with the loss of interest recalculated at the “on demand” rate established by the credit institution;
• the program has a limited duration and ends on December 31, 2018;
• prolongation is carried out only at the current rate “on demand”.

Video

Buyers have long known: the best time to buy is during the December pre-holiday sales. Banks do not lag behind the stores: in late autumn - early winter they offer special seasonal programs for a short period of time, more interesting for the depositor than regular ones.

Traditionally, they are distinguished by the following features:

• they cannot be replenished;
• You can’t withdraw funds in parts either;
• limited offer period;
• but the interest rate is significantly higher compared to other deposits.

The rating will show which deposits are the most profitable best offers New Year's deposits in banks 2017-2018

Bank	Contribution	Bid (%)	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
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
Binbank	New Year	8,3	50 000	150-200
Credit Bank of Moscow	New Year	8,5	1 000	190
Moscow Industrial Bank	Holiday Choice	9	5 000 000	100-150

• Bid: 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 of 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 done in Russian memory over the past two decades.

The peculiarity of this particular deposit is that it can only be made remotely, via mobile phone, online banking or ATM. The generous offer from Sberbank will last until December 31, 2017.

Partial withdrawal of this deposit is impossible, as is its replenishment. It will also not be possible to automatically extend the validity period of “Simply 7% - online”.

9. Gazprombank, “Prazdnichny”

• Bid: 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-renewal and partial withdrawal no funds are provided.

8. VTB Bank of Moscow, “Loud Benefit”

• Bid: 7,6%.
• Minimum amount: 30 thousand rubles.
• Validity: 4 months.

The “loud benefits” were 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 New Year offer rate. It increased, however, not by much - only by 0.35%.

You can have time to discover the “Loud Benefit” before the end of December 2017. However, there are also restrictions: opening this deposit is available only to those clients who have not made deposits for six months, as well as to clients who have a deposit valid from the moment of opening at least 91 days have passed, and the amount in the accounts (in rubles) on the day the “Loud Benefit” was opened is equal to or exceeds 90% of the amount in the accounts a month ago.

Unlike most other New Year's deposits, Loud Benefit has auto-renewal, but the rate when activated will be lower - 6% per annum. And you can open a deposit through Internet banking.

7. Rosselkhozbank, “The Key to Success”

• Bid: 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 decides to step foot into the bank’s office, 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.

There is no automatic extension of the deposit or its replenishment.

6. Post Bank, “Good Deposit”

• Bid: 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 quite profitable investment for three months - a pleasant rate, a relatively small minimum amount.

Attention! Post Bank is easily confused with Post Bank. These are completely different structures. If Pochta Bank is directly related to Russian Post, then Pochtobank is an old-timer in the financial market, created almost 20 years ago and the vast majority of it belongs to Svyaz-Bank.

Replenishment " Have a good contribution“It is possible, although with reservations regarding the period - within the first ten days from the date of submission of the application to the bank.

Automatic prolongation is also allowed, and the interest rate of the Capital deposit will be 7.7%.

5. SDM-Bank, “Winter”

• Bid: 7,4 — 8,0%.
• Minimum amount: 10,000 rubles.
• Validity: 181 days.

A small Moscow bank offers a New Year's offer that compares favorably with the rest with a modest minimum deposit amount - from 10,000 rubles.

In this case, neither opening a deposit online, nor its automatic extension, nor partial withdrawal of funds is possible.

Although SDM-Bank is not as famous as other participants in the rating, it has been operating in Russia for quite a long time (since 1991). financial market. And it is included in the deposit insurance system. SDM-Bank mainly specializes in servicing representatives of medium and small businesses, as well as clients from organizations that have entered into an agreement with this financial institution.

4. Eastern Bank, Rozhdestvensky

• Bid: 7,45 — 8,15%.
• Minimum amount: 30,000 rubles.
• Validity: 19, 181, 367 days.

Bank Vostochny — large bank, whose branches are located primarily in Siberia and Far East. In 2017, as a result of a large-scale reorganization, Uniastrum Bank merged with Vostochny.

This financial institution not only offers one of the most favorable rates in terms of pension deposits, but also one of the best pre-New Year programs with a not too large minimum amount and a relatively high percentage.

You can open a “Rozhdestvensky” card through Internet banking, but there is no option to automatically renew it.

3. Binbank, “New Year”

• Bid: 8,3%.
• Minimum amount: 50,000 rubles.
• Validity: 150 – 200 days.

You can take advantage of the offer from B&N Bank if the potential investor is not afraid of the events of September 2017. This month, a representative of B&N Bank himself turned to the Central Bank of the Russian Federation with a request for reorganization. Rehabilitation is a set of measures to improve the health of a bank, and is carried out if the bank is close to bankruptcy. True, reorganization is better than revocation of a license. Of course, the bank's press service claims that nothing threatens depositors.

“New Year” can be topped up within the first 30 calendar days from the moment it opens. Another plus: early withdrawal of 20% (or less) of funds from the total deposit is provided. You can automatically extend the deposit, but then “New Year’s” will turn into “Income +” with a rate of 4.50%.

2. Moscow Credit Bank, “New Year”

• Bid: 8,5%.
• Minimum amount: 1000 rubles.
• Validity: 190 days.

The New Year's offer from ICD has three extremely pleasant features for the average person:

1. Quite a high percentage;
2. Extremely low minimum amount;
3. Possibility to open a deposit through a mobile application or online banking.

Literally anyone, from a pensioner to a single mother, can get some money by investing a small amount.

The deposit period is a little more than six months, but, if desired, you can withdraw money ahead of schedule. In this case, interest accrued for the period before the day the funds are received is retained.

Cons: there is no automatic extension, no possibility of replenishment, no partial withdrawal of deposit funds.

1. Moscow Industrial Bank, “Holiday Choice”

• Bid: 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's deposits in banks in 2017-2018. However, once you look at the amount of the deposit, it becomes clear that an ordinary Russian who can barely survive until his next salary has nothing to do here. 9%, of course, looks nice - but the minimum amount for opening a deposit is no less than 5 million rubles. But for businessmen operating large sums, this option can be tempting.

Replenishment of the deposit is possible, but with a caveat: it stops 3 months before the end of the “Holiday Choice” period. There is no auto-renewal or online opening of a deposit.

To summarize: if you have a small amount- ranging from a thousand to 10 thousand rubles, then the most the best option— deposits numbered 5 and 2 in our list.

For people with amounts ranging from 30 to 50 thousand rubles, deposits that are in 8th, 6th, 4th and 3rd places in the selection are preferred.

Sberbank of Russia for February and March 2019 launched a new promotional deposit for individuals “Catch the Benefit” with maximum this moment interest - up to 7.65% per annum in rubles. Let's take a closer look at the current conditions and deposit rates.

New Sberbank deposit “Catch the Profit”: conditions

The new seasonal promotional deposit of Sberbank of Russia “Catch the Profit” opens only in rubles. The minimum amount is 50 thousand rubles. It can be issued for a period of 5, 12 or 18 months.

Like most seasonal deposits, the terms of the “Catch a Profit” deposit provide very limited options for managing savings in a bank account.

Additional contributions and expense transactions are not provided. At early termination interest is paid at the demand deposit rate.

“Catch a profit” is not a simple one, but a promotional deposit. This means it should be especially attractive to clients - individuals, including pensioners. What's special about it? Of course, the interest rate is unusually high for Sberbank.

Interest rates of the Sberbank deposit “Catch the Benefit”

Interest rates depend on the deposit term and are:

• 7.10% per annum for a period of 5 months;
• 7.50% per annum for a period of 1 year;
• 7.65% per annum for a period of 1 year and 6 months.

Interest is paid at the end of the term.

It should be noted that the rates of the new “Catch a Profit” deposit are quite high for Sberbank. See for yourself. Correspondents of the site have collected in one table the interest rates of deposits for different terms.

Contribution	5 months	12 months	18 months
"Manage (in the department)"
"Manage (online)"
"Replenish (in the department)"
"Replenish (online)"
"Save (in the department)"
"Save (online)"
Take advantage	7,10 %	7,50 %	7,65 %

As you can see, the most profitable deposit from the basic line of the Save Online bank can now be issued at only 5.90% per annum in rubles (taking into account capitalization).

Few? See what the interest rate on deposits is today

Calculation of the “Catch the Profit” deposit

√ If you make a deposit for 1,000,000 rubles, then after 5 months you can receive 1,029,178 rubles. Accordingly, net income will be 29,178 rubles.

√ If you open a deposit of 1,000,000 rubles for 12 months, then after a year you can withdraw 1,075,000 rubles from the bank. The interest amount will be 75,000 rubles.

√ If you make a deposit of 1,000,000 rubles for a year and a half (18 months), then at the end of the term you can receive 1,114,645 rubles. Accordingly, net income will be 114,645 rubles.

Comparison of the new “Catch a Profit” deposit with Sberbank’s basic deposits

We have already found out that the “Catch a Profit” deposit has a higher interest rate than the basic Sberbank deposits: “Save”, “Replenish” and “Manage”. But let's compare how much more profitable it is in ruble terms.

To do this, let’s calculate what benefits you can get if you make each deposit for a period of 1 year and invest the same 1 million rubles. Correspondents of the site took advantage of official calculator Sberbank deposits and this is what happened.

The results are obvious.

How to make a deposit?

A deposit can be made in several ways:

1. At the Sberbank office.
Contact the bank office with your passport. Open a deposit and deposit money.

2. In the Internet bank Sberbank Online.
Log in to Sberbank Online → Deposits and accounts → Opening a deposit → Select a deposit and specify the conditions → Confirm → The deposit is open!

3. IN mobile application Sberbank Online.
Log in to the application → Deposits and accounts → Select a deposit and specify the conditions → Confirm → The deposit is open!

4. At the ATM.
Insert the card and enter the PIN code → “Cards, deposits and loans” → “+ New Product» → Open a deposit.

IMPORTANT! You can apply for a new seasonal promo deposit from Sberbank of Russia “Catch the Profit” only until March 31, 2019 .

Many of those who are accustomed to profitably investing their existing funds are forced to analyze New Year's deposits in Sberbank this December. Why is this so? Because the state domestic economy, as well as the rapid cleanup of the banking sector, the Central Bank is forced to look not so much for profitability as for security for its assets.

Looking ahead a little, it should be noted: the flagship of the domestic banking industry is not ready to offer fabulous interest rates. But it gives confidence in the safety of funds. And now the time is such that you don’t need to worry about high interest rates.

However, compared to the offers of many competitors, its line is characterized by fairly good percentages. Let's see if there are any promotions on Sberbank deposits on the eve of one of the most fun holidays of the year. Moreover, you will have to consider it a little.

Alone, all alone

In hopes of discovering Sberbank's New Year's deposits for individuals, you should first visit the website financial organization. Here in the corresponding section we see that the line of deposits this year was replenished with only one seasonal offer. Its name is Happy Year. What conditions characterize this product?

Firstly, reception Money For private clients - individuals - it is possible both in rubles and in foreign currency. In the latter case, we are talking about the traditional euro, as well as the American dollar.

Secondly, the period for placing funds depends on the currency in which the opening takes place. If it is a dollar or euro, the owner of the money has two options - ten or eighteen months. In the case of the ruble, there is only one: nine.

Third, interest rates vary as follows:

• ruble - from 9 to 10;
• dollar - from 2.1 to 3.1;
• euro - from 1.6 to 2.

What does the specific meaning depend on? Of course, depending on the amount to be placed on the account. In the first case, funds are accepted in the amount of 150 thousand. In the second and third, to open a deposit you need from 3,000 conventional units. The maximum rates are valid for cases of ten and three million.

As for the withdrawal of funds (including partial), as well as possible replenishments, Sberbank’s New Year’s proposals for deposits - or rather, only one existing one - do not differ in particular freedom of action: neither withdraw funds nor deposit them in excess down payment not allowed.

Additional terms

They are displayed on the site in a separate block, which indicates their importance. So, we are talking about points such as:

• accrual of income (interest) - it occurs at the end of the term. The owner of the funds has the opportunity to either withdraw the accrued cash or instruct a financial institution to transfer funds to a specified account. Could this be the bill? third party bank, the website does not say;
• extension is possible automatically. However, all conditions remain the same, except for the interest rate. The latter under the new agreement will be the same as for demand deposits;
• special conditions - it is allowed to draw up a savings book, draw up a testamentary disposition or a power of attorney.

Design features

Like all other representatives of the deposit line, New Year's deposits in Sberbank are issued by one of 2 possible ways. You can take the money, as well as an identity document, and go to his nearest representative office. Here you will need to sign an agreement and deposit your hard-earned money into a special (deposit) account.

The largest bank in Russia offers to open a seasonal deposit with a maximum interest rate 8% per annum in rubles.

Have time! It can be opened until December 31, 2016 - in 2017, most likely, such conditions will no longer exist.

The New Year's contribution is called "Good Year" (last year it was called "Happy Year"), maximum term placement of funds is 9 months (in rubles) 10-18 months (in US dollars or euros).

Deposit term: 3 months (last year “Happy Year” could be opened for 9 months).

Minimum deposit amount: 100,000 rubles (deposits are not provided in US dollars or euros).

Replenishment or partial withdrawal is not provided.

Interest rates in rubles

For an amount from 100 thousand to 500 thousand rubles - 7.40% per annum (for comparison: last year for a similar deposit “Happy Year” there was 9% per annum).

For an amount from 500,000 to 1,000,000 rubles - 7.70% per annum (for comparison: last year for a similar deposit “Happy Year” there was 9.50% per annum).

From 1,000,000 rubles - the deposit rate will be 8% per annum (a year ago it was 10%).

We have also prepared a review of the best offers in Russian banks -.

Also read trend review -