Review. In which bank to open a deposit with gifts in 2020 - an overview of offers. Requirements for the depositor and answers to frequently asked questions.
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An investment is an investment in low-risk assets. Anyone can draw up an account in their name, where they can constantly put free cash.
For registration, you only need a passport of a citizen of the Russian Federation.
Before you open an account in your own name, you need to familiarize yourself with the basic concepts and theses of the financial market.
Often, investors have no idea about the main characteristics of a financial product, as well as the terms of purchase. And make a deliberately unprofitable offer. Therefore, it is necessary to familiarize yourself with the basic concepts.
Upon liquidation, reorganization financial company, the funds are returned in the specified amount.
If the amount exceeds, then it burns. Therefore, experts recommend keeping large amounts in different credit institutions.
The deposit rate is the income, which is expressed as a percentage for the annual period. It is the interest that is accrued and added to the investment amount.
And the higher the cost, the greater the bank's motivation for customers. But the less additional functionality for the client.
Every adult citizen has the right to open a deposit:
The yield on ruble deposits is always slightly higher than on others. This is due to the correlation of other currencies.
To protect your income, it is better to invest in a multi-currency product. Then the decrease in the income of one currency will be offset by the growth of the other.
The product is issued in a fast mode both at the lender's branch and remotely independently by the client. In the latter case, you must have access to your personal account.
It is issued if it already exists banking product from the represented bank. Often, products issued by the bank have a higher yield than deposits issued in the branch.
Banking institutions lay down the volume of lending for a certain amount. The calculation takes place according to average statistics, comparing assets and liabilities. As soon as the volatility of the ruble occurs, liabilities go away.
And the banking institution is experiencing problems. For the investor, the profitability is obvious - obtaining the maximum profit if the conditions are met.
That is, if the investor has invested in a specific one, then he will receive the agreed interest accrued on savings.
The benefit of the present for the investor is also obvious - he receives a gift and at the same time gives his savings for high profitability. This is a double benefit.
If we talk about the profitability of a presentation to a bank, then we can identify a trend in the growth in the number of attracted depositors.
That is, the expense for a gift is practically reduced to zero, since the attraction of free cash is blocked expenditure transactions and allow you to earn income from investing in credit products.
On the financial market there are quite a few proposals for opening deposits. Each credit institution tries to stand out from the others and offers optimal conditions for attraction.
In the struggle for depositors, many lenders offer to receive gifts in a number of home appliance stores. That is, for opening a deposit, a person can get a TV, iPhone or iPad.
There are several rules for receiving a present:
Many citizens do not believe in gifts from financial institutions. A banking organization issues loans at 20% per annum, and investments take up no more than 9% of the expense. Accordingly, the company can afford to give a present.
A gift for a depositor is a great tool for manipulation and attracting new customers. And for the investor, the product is the constancy of their own savings.
A person can receive a bonus for opening a product only with a special promotional code. Additionally, an interest rate is also charged on the deposit, which is either added to the main savings.
To receive a gift you need:
When opening a deposit, the depositor must familiarize himself with all the details of the program:
You can make a deposit within the framework of the promotion either in person at a branch of a financial institution or remotely via the Internet.
When opened, a choice of gift for the participant will be available. As a rule, a representative of the organization independently offers to choose a present, based on the requirements of the depositor.
Often such contributions do not imply additional replenishment or opening in currency. And to receive a gift, you need to deposit a minimum amount for a year without the condition of partial spending.
For registration at the department, you will need to provide a passport and write.
If this is a remote registration, then you need:
Each person who opened a deposit in the institutions below can receive a guaranteed prize.
| Name | Interest rate, % | Terms |
| Antalbank | 9 | With a deposit of 1,000 rubles or more, it gives household appliances |
| Agropromkedit | 9,5 | kitchen apron |
| Express loan | individually | Two months use safe deposit box free of charge |
| individually | ||
| Plus Bank | individually | With a deposit of more than 500,000 rubles, a real gold bar and a branded pen |
| VTB | individually | For two months free service according to the tariff Small business |
| Credit-Moscow | 11 | For a deposit of at least 250 thousand rubles, the lender provides a monetary incentive in the amount of 2,000 rubles |
| Smolensky | 11 | Beach towel. You can also apply for the drawing of two motorcycles |
| 10 | iPad with a deposit term of at least two years |
Also, as part of the promotion, you can get a free bank card to manage your account.
Such conditions are offered by the following credit institutions:
| Name | Interest rate, % | Terms |
| Opening | individually | Instant card with free service |
| Vanguard | individually | Free a plastic card Visa or Mastercard. issued when placing funds for a period of three months. If the amount is from 30,000, then the company gives a gold card |
| individually | Gives you the opportunity to use 10 premium cards, for the maintenance of which no fee is charged. But to get it, you need to invest 100,000 rubles. | |
| Alfa Bank | individually | Linked to network access, no service charge |
Any adult citizen can open a deposit. As such, there are no requirements for the depositor.
In some financial institutions there is a restriction on citizenship. But most often an investment is accepted from any citizen, and it does not matter whether he is a resident of the country or not.
You must have your passport with you. Without it, it is impossible to issue a financial product according to the law.
No other documents are required for opening.
However, some financial institutions for large amounts of deposits, they require confirmation of these funds.
Despite such a wide range of financial offers, many borrowers think about investing, but do not risk taking action.
After all, there are a lot of different scammers in the financial market. And an investment with a present scares many.
AT banking structure indeed there are products that imply the issuance of a present for opening a deposit.
Indeed, in the age of high competition, credit institutions are trying to lure as many customers as possible to invest free cash.
After all, their asset is formed on the basis of the amount of money raised. And accordingly, the profit of the creditor is formed.
Deception can only be various promotions held in the form of a lottery. That is, some organizers promise drawings of apartments, cottages, cars.
In fact, there is a hidden auction, where information about the winner is not even disclosed. How true the process - no one knows.
Despite the presentation, many citizens do not believe in the benefits of such products. Bank deposit- a reliable way to save money without unnecessary risks. This product allows you to protect your funds from inflation and increase somewhat.
But for the profitability of the investment, the following rules must be observed:
| A person must know exactly when he will need savings. | If you withdraw funds ahead of schedule, then the income of the depositor will be minimal. It is better to determine the term in advance and choose an offer in accordance with these requirements. |
| Determine the type of deposit | The income of the contributor will depend on the availability of additional functionality, such as replenishment and partial spending. If they are excluded, then the amount of profit will be maximum |
| You can't put money in one currency | Any fluctuation in the financial market and citizens will remain without profit. Or you may even lose some of your savings. Therefore, it is worth stopping at national currency, or on a multi-currency deposit |
With the advent of spring, everything around comes to life. Nature pleases with warm days, and banks - special offers by deposits. But you should hurry up, as such deposits are seasonal. The most profitable ruble deposits this spring are in our review.
With the advent of spring, many banks have updated their deposit lines. Seasonal offers have appeared that attract investors not only with spring names - "Primrose", "Spring", "Snowdrop" - but also with higher rates. However, most of the offers are seasonal, and you should hurry to take advantage of them.
For those who are looking for maximum profitability , the Primrose deposit in the First Republican Bank is suitable. The rate on it is 11% per annum in rubles, with the placement of funds from 150 thousand rubles for a period of 1 year. Interest is paid at the end of the deposit term, to a bank card account or a demand account. Interest capitalization is not provided. There are no deposits or partial withdrawals. Early termination - preferential terms. Up to 180 days - at a rate of 0.1%, from 181 days - at a deposit rate (11%). If the depositor has not claimed the deposit amount after the expiration of the period specified in the agreement, then the agreement is considered extended on the terms of the “On Demand” deposit with the opening of an appropriate cash account. You can open a deposit from March 1 to March 9.
Minimum amount required to open - 5 thousand rubles - on the deposit "Seasons. Spring" at Mast-Bank. When placing funds from 5 thousand rubles for a period of 1 year, the investor receives a yield of 10.5% per annum in rubles. Interest payment - monthly, to a current account or a bank card account. VISA bank card as a gift to each depositor. Interest capitalization - no. Replenishment is possible: the minimum amount is 3 thousand rubles, and no later than 30 days before the date of return of the deposit. Partial withdrawal is not provided. Early termination - on preferential terms. If the money was in the deposit up to 60 days - at a demand rate, 61-90 days - at a rate of 1%, 91-180 days - 3%, 181-545 days - 5%. You can open a deposit from March 3 to May 31, 2014.
Present provided for the deposit "Spring" in the First Czech-Russian Bank. When placing funds from 1 million rubles for a period of 1 year at a rate of 10.45% per annum in rubles, the depositor receives a guaranteed gift - a blanket or an umbrella-cane. On the deposit - a differentiated scale of rates (6.45-10.45% per annum in rubles), depending on the term (91-1101 days) and the amount (from 50 thousand to 1 million rubles). Interest payment - at the end of the term, to the current account. Capitalization is not provided. Replenishment is possible, but on condition that the minimum amount is 10 thousand rubles, and no later than 30 days before the date of return of the deposit. Partial withdrawal is not provided. Early termination - on preferential terms, depending on the term and amount, the rates will range from 7.9 to 10% per annum. You can open a deposit in the period from February 1 to June 30, 2014.
For those who plan to place funds for a short period , the Snowdrop deposit in C Bank is suitable. When placing funds from 100 thousand rubles for a period of 6 months, you get a yield of 10.37% per annum in rubles. It is possible to place funds for more short term, but the rate will be lower. For a period of 31 to 90 days - 6.45% per annum in rubles, 91-180 days - 10.32%. Interest payment - monthly, to a current account or a bank card account. Capitalization is not provided. Replenishment is possible, but with restrictions: the minimum amount is 5 thousand rubles, and no later than 30 days before the date of return of the deposit. Partial withdrawal is possible, but the amount of the minimum balance must be at least 100 thousand rubles. Early termination - on preferential terms, interest is accrued for the actual term of the funds in the deposit in the amount of 1/5 of the interest rate on the deposit. And as part of the Loyal Customer promotion (the period from March 1 to March 31, 2014), the rate may increase by 0.75%. You can open a deposit from March 1 to May 31, 2014.
For those who are looking for a deposit with interest capitalization , the "Spring" deposit in Milbank is suitable. The rate is 10.6%, the term is from 365 to 547 days, the minimum amount for opening a deposit is 300 thousand rubles. Interest payment - at the end of the term, capitalization - monthly. Replenishment and partial withdrawal funds are not provided. Early termination of the deposit agreement - at the demand rate. You can open a deposit from February 18 to March 18, 2014. Capitalization of interest is also provided for deposits "Soul Spring" in Rosavtobank and " Spring mood» in Dil-Bank.
Table 1. "The most profitable spring deposits"
|
Bank, deposit |
Max. bid |
Min. sum |
Term |
|
|---|---|---|---|---|
|
First Republican Bank, "" |
150 thousand rubles |
|||
|
300 thousand rubles |
||||
|
5 thousand rubles |
||||
|
30 thousand rubles |
||||
|
First Czech-Russian Bank, "" |
1 million rubles |
|||
|
1 million rubles |
Today everyone commercial Bank tries to attract as many customers as possible, and not only by credit programs but also within the framework of deposit offers. After all, it is beneficial for each financial institution to attract deposits from individuals insofar as the turnover of funds will directly depend on this. So, on the eve of any holidays or even without a reason, a commercial bank can offer a promotion, in which, when placing funds in a deposit account, the depositor receives a valuable prize. Let's see what profitable deposits with gifts in rubles can be issued in banks today, and how realistic it is to receive a gift.
First of all, it is worth accepting that the chance to win in any lottery is extremely small, about one in two million, especially when it comes to large gifts. For example, if a bank has announced a reward for placing a deposit of a car and an apartment, then you need to understand that it is almost impossible to win in this case, and in most cases they do not win at all, that is, of course, the bank will announce the winner, but it will be an affiliate, the rest investors will not know about it.
Also, many banks warn depositors that the number of prizes is limited. That is, when you come to the bank branch to deposit money into your account and receive your gift, you will hear in response that their number was limited and at the moment they have already ended. This, in fact, is the bank's marketing move, and it has fulfilled its function, that is, it has brought a client.
What does it mean that it is impossible to receive gifts when opening a deposit at all? Not at all, banks can really offer their depositors a gift for placing funds, but it should be borne in mind that the gift should correspond as much as possible to the amount of your investment and when holding real promotional companies, banks indicate the exact number of prizes and the date of the draw.
For example, a bank may well offer as a gift Cell phones or other equipment, for those clients who are ready to invest a large amount in a deposit account, and even in this situation, he loses practically nothing. After all commercial banks offer a deposit maximum bid 10-12%, and it issues loans at an annual percentage of 20-30 and even 40%, respectively, the funds that you place on the account will bring good profit to the bank, and in order to issue as many loans as possible, it tries to attract as many depositors as possible.
For example, before the New Year holidays, loans are in special demand among the population, credit financial institutions in order to provide yourself with a profit, you need to issue as much borrowed funds as possible. And, therefore, to attract as many deposits as possible from individuals, respectively, they hold various promotions and attract the attention of the user. At the same time, they release a limited number of prizes, for which all deposit account holders can compete.
Please note that bank promotions do not always mean issuing valuable gifts, for example, on the eve of holidays, the bank can increase the annual interest on the deposit by 1-2 points, which is also a nice bonus for depositors.
So, if you are looking for bank deposits with gifts, you will have to carefully study the market financial services, because such offers, as a rule, are not permanent, they have a certain period of validity. In this case, we can give only a few examples of such deposit offers, which sooner or later will lose their relevance. But on the market of financial services there will be new similar proposals.
It offers its clients in anticipation new year holidays 2017 deposit with an increased interest rate of up to 8.55 percent per year. As part of this offer, the minimum investment amount is 5,000 rubles, the deposit period is 90 days, under the terms of the program, an LED TV raffle is held, it will be held from November 22, the prize will be drawn on December 27 between all clients who have placed funds on the account during this period. that is, there is only one prize and the winner will be selected using a random number generator.
A new one has started here deposit program contribution "Maximum Online", the beginning of this contribution on October 10, 2017. Within the framework of this program, you can open a deposit with an increased interest rate of up to 8.55% per year, which is achieved through the capitalization of interest, the minimum investment amount is from 1000 rubles, the contract is valid for 180 days. As for the gift, the bank gives each of its depositors a free Visa debit card. And if the depositor attracts another client, he can receive debit card 500 rubles, for this you just need to give the bank's promotional code to one of your friends who want to open a deposit.
A special deposit program operates here from December 1, 2017 to January 31, 2018. Within the framework of this program, you can get an increased interest rate on the deposit, if the depositor invests more than 1 million 400 rubles, then his annual rate- 8% per year. As for the gift, it is available only with an investment of more than 1 million rubles, for a period of 181 days, a free certificate for access to the Megogo online cinema for a period of 3 months acts as a gift.
A commercial bank offers its depositors to win a trip. In order to take part in the program, you need to put money into a deposit account or prolong the contract for the next period from November 1, 2017 to March 1, 2018, the investment period is 181 days. You can open a deposit account under three programs:
Please note that in order to participate in the promotion, the investment amount must be at least 100,000 rubles.
As for the gift, the bank gives 4 certificates in the amount of 100,000 rubles to the winners in this program. The winner himself chooses the direction for his vacation, as well as the number of vacationers, and you can pay for the ticket at the expense of the issued certificate. Only account holders who have not withdrawn funds earlier than the term established by the agreement can take part in the prize draw.
First of all, if you want to take part in the drawing of any prizes, you must take into account that according to tax code, the recipient of gifts worth more than 4,000 rubles must pay mandatory tax at a rate of 35%, which significantly reduces the value of the gift he received. It is in this regard that many banks try to provide prizes of lower value in order to get rid of customers from paying mandatory tax.
The second nuance to consider is that banks offer a limited number of prizes, which are issued on the basis of a lottery. That is, the winner is one or two participants in the drawing, maybe more. Accordingly, a potential depositor cannot be 100% sure that the prizes will actually be drawn between depositors, perhaps the winner will be a bank employee or another person with whom an agreement was made in advance.
Before opening a bank deposit, be sure to carefully read all the conditions of the draw and always keep in mind that if you win a prize in cash, you will have to pay a tax of 35%.
Thus, deposits with promotions and gifts can really be found on the financial services market, while, of course, you should always understand that the chances of winning are so small that you should not really rely on luck. In fairness, it should be noted that banks can offer not only gifts or prizes, but also other pleasant bonuses in the form of free cards or an increased annual interest rate.
When opening a deposit, a client can become the owner of household appliances, communications equipment, household goods, sweet gifts and many other pleasant things.
But you should not give preference to any bank in pursuit of a free trinket. First you need get all possible information about the reliability of the bank and conditions for receiving gifts.
Different banks offer a wide variety of gifts when investing in them, the minimum deposit amounts and interest rates also differ.
For a contribution of 100 thousand rubles or more, he gives his clients a gold jewelry. With a deposit of 400 thousand rubles - an electric grill.
The bank offers a multicooker, a camera or a blender.
Deposit with iPad gift together with 10% rate for 2 years of deposit validity.
The bank will take your investments, starting from 1 thousand rubles at 8.9% per annum, and give you a kettle.
The bank will book a hotel room for its depositors if the client makes a deposit for 1 million rubles.
Also, many other banking organizations, in addition to interest on your deposit, will give you books, bank cards, aprons, beach towels, cash bonuses, coffee and even gold bars (from Plus Bank for a deposit of 500 thousand rubles).
Gifts are provided not only individuals, but also legal entities. For example, VTB Bank offered two months of free service at the Small Business rate.
If you have decided on a bank for making an investment and have read all the terms of the agreement, you need to take the following steps to receive gifts:
). Opening this kind of investment is beneficial for lenders. But the investor does not remain deceived. He is offered various gifts, among which there may be jewelry, household appliances, or, for example, expensive and delicious chocolate. However, there is no need to rush. After all, in order to make a really successful contribution at a profitable interest rate, you need to thoroughly study such a stock.
It is quite difficult to find the most profitable deposits in Moscow banks. People are in a hurry to make a deposit on seemingly tempting terms, but in the end they are left with nothing. The fact is that some banks, under the guise of investments with guaranteed prizes, conduct lotteries. Such events end, as a rule, without awards (prizes go to people who are completely uninvolved in the action). It is important to thoroughly study the terms of the contract, what the client should receive in case of investment.
In Moscow banks, investments with gifts are now popular. For a timely deposit, the organization is ready to pamper the client with a variety of presents. But where to make the most successful contribution? There is a list of banks with high trust that periodically hold promotions with prizes. In such companies, you should not worry that you will be deceived, or even worse - you will lose the deposit amount.
For example, Antalbank regularly organizes interesting drawings. Prizes are usually not very expensive: small household appliances, means of communication. But high rate investments makes this bank popular among Moscow residents.
KRK Bank gives a camera when opening an investment for a year.
Sofrino Bank offers jewelry, or coffee.
Some organizations have approached the issue of gifts more creatively. So UBRD donates books when making an investment, and the Bank project finance provided unlimited internet for the duration of the deposit.
In turn, the flagship of Moscow banks, Sberbank, with a certain amount of investment, provides customers with access to a multi-currency deposit.
The banks of St. Petersburg also hold promotions with prizes for certain types of deposits. Unlike Moscow, here you can get really valuable things, in every sense of the word. Thus, customers could make an extremely successful deposit with gifts in Plus Bank, as part of the Gold Rush campaign. With a deposit of 500 thousand rubles, the client received a real gold bar, as well as a branded pen.
Gifts can be given not only to individuals. VTB, for example, as part of the Profitable Partnership campaign together with VTB, provided legal entities with up to two months of free service under the Small Business tariff plan.
Some banks provide a plastic card as a gift when opening a deposit. Cards can be completely different: debit, credit, overdraft, simple, gold, platinum, as well as instant issue cards and others.
Avangard Bank provides its customers with a plastic card as a gift when opening any deposit. International maps VISA Classic and MasterCard are issued when placing funds for a period of 3 months or more. If the investor has an amount of 30 thousand. rub. or 1 thousand currency, then the organization gives him a gift gold card - VISA or MasterCard.
Raiffeisenbank has a "Premium" deposit, the service package of which includes up to 10 premium cards. There is no fee for servicing cards of this tariff. In order to get gold cards from this bank, you need to invest at least 100 thousand rubles. in his deposits.
A free plastic card is attached to the Alfa-Bank savings account, with which you can get quick access to the Alfa-Bank network. Among the available list, there are contactless MasterCard and VISA. Under certain conditions, payment for the content of the card is not charged.
At the beginning of January 2016 Russian Capital launched the promotion Contribution Catch your luck. An attachment can only be opened in national currency for 181 or 395 calendar days. The minimum contribution amount is 100 thousand rubles.
