Options for opening a deposit account with a gift from the bank. Nuances of successful deposits with gifts Possible problems and nuances
Banks now not only attract depositors not only with attractive rates and convenient conditions for investing funds, but also offer customers additional surprises. Deposits with gifts in Moscow in 2014 as of the beginning of spring are offered by 7 banks. These seasonal promotions mostly expire on March 31, but there are offers that are valid until the end of April and even until June. Let's take a closer look at what bankers are going to give to depositors.
Deposits "Maximum" and "Capital" from Accent Bank
Residents of the capital can not only profitably place their savings, but also acquire souvenirs in honor of the Sochi Olympics, issued in a limited edition. So, until March 31, when opening a “Capital” deposit in the amount of 100 thousand rubles for 2 years at 9.5% or “Maximum” for 50 thousand rubles for 1.5 years at 10.1% per annum, you can get a commemorative coin denomination of 25 rubles. If the amount of the deposit does not exceed half a million rubles, and if the amount of savings is greater, then a commemorative banknote from the Bank of Russia with a face value of 100 rubles will be handed over.
Contribution "Champion" in MIRAF
Having placed more than 100 thousand rubles in the Champion's deposit for two years at 10.5% per annum until the end of April, each client receives a non-precious commemorative coin as a gift. This addition is clearly superfluous, since the deposit rate is already very attractive.
Any deposit in the Moscow Petrochemical Bank
This bank does not provide separate deposit products, it gives gifts to all depositors who entrusted it with money before March 31, and the bank is completely indifferent to the terms and amounts of funds placement. Each client receives a 25-ruble commemorative coin dedicated to this year's Olympic Games.
Any contribution for a year to KB Financial Standard
According to the “Thank you for your trust” promotion, it is enough to deposit 100,000 rubles on any of the bank’s deposits for a year, deposit rates vary between 8.25-10.25% per annum, so there is plenty to choose from. This must be done before March 31 to receive a gift certificate from RIVE Gosh, Sport Master, M-video, L'Etoile, Auchan or Detsky Mir in the amount of 500 rubles or more. The larger the amount of the deposit, the larger the face value of the certificate trading network. A maximum of 3,500 rubles - when placing 700 thousand rubles.
"Plus TV" from Ivy Bank
The most profitable deposits in Moscow with gifts are products from Ivy Bank. Opening a “Plus TV” deposit for a year at 9% per annum guarantees the receipt of a TV:
- with an amount of 400 thousand rubles or more - a flat-screen TV with a screen diagonal of 18.5 inches;
- with a deposit of 3 million rubles - a 42-inch 3D TV.
You can become a happy owner of a TV only until the end of March.
Deposit "Spring" in the First Czech Bank
The First Czech Bank in the capital offers a guaranteed gift to choose from when placing more than 150 thousand rubles (or the equivalent in euros or dollars) for 1-3 years at 9-10.5% per annum on the Spring deposit - a blanket or an umbrella cane. The spring promotion will last unexpectedly long - until June 30, 2014.
Deposit "Spring in Sofrino 2014" in the bank of the same name
Until May 31, 2014, Sofrino Bank gives household appliances and other gifts to customers who have opened this deposit, or simply replenished current deposits. The type of gift depends on the amount of funds deposited:
- from 100 thousand rubles - a choice of gold jewelry, an electric razor, an immersion blender, a hairdryer, an iron, a toaster, scales, a blanket, a coffee grinder, a ladle or a frying pan;
- from 600 thousand rubles - you can get a gold jewelry, a slow cooker, a set of cutlery, a coffee maker, a microwave oven, a blender with a glass, a French press, a sandwich maker, a meat grinder or a saucepan;
- from 3 million rubles - gold jewelry, a set of dishes, a plasma TV or a vacuum cleaner.
There will be other deposits with gifts in Moscow in 2014, so do not rush to transfer your money until you find the best option with the best combination of conditions and parameters.
We hope that you no longer need to be reminded of the need to verify the bank's participation in the deposit insurance system before entrusting your savings to an institution offering deposits under high percent in Moscow with gifts. No bonuses and gifts can compensate for the increased risk of losing savings in an unreliable bank.
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.
Sofrino Bank
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.
KRK bank
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.
J&T Bank
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.
How to get a gift for a successful contribution?
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:
- Get a personal promo code from the bank. All subsequent actions are performed only if it is available;
- Send your code via SMS to the specified number;
- Go to the bank - the organizer of the action, taking with you your passport, promo code and money for investment;
- Open Successful deposit. Tell your code number to a bank employee;
- Choose a gift: from household appliances to goods for children;
- Receive a gift. It can be delivered free of charge to a location of your choice within the organization's covered region.
The main characteristics of the "Successful Deposit"
- The program operates on the basis of an agreement between the bank and the organizer of the action. Bank employees are instructed on the main conditions and form a report form;
- The promotion organizer advertises the bank on its page. Here is the generation of promotional codes for customers;
- When opening a deposit, information about the amount of the investment and the code number is sent to the organizer, and the client receives points. The value of the gift depends on their quantity. The larger the deposit amount, the more expensive the present;
- Clients choose a gift from the provided list, based on the amount of bonuses;
- The bank pays the organizer of the action according to the agreement.
Deposit details with bonuses
- deposit without capitalization;
- it is possible to replenish and withdraw part of the investment;
- interest is charged monthly to a separate account;
- the rate is from 11% per annum;
- there is no automatic renewal option.
How not to become deceived?
- Will the bank really give you an iPhone, iPad, SLR camera or washing machine for your investment? Yes, you really can become the owner of any of the above, if such a product can be obtained on the terms of a particular bank. The bank is able to present you an expensive gift. After all, he receives your investment, giving 12% per annum, but gaining from 20 to 40% on the loan of your funds. Thus, the bank receives the same deposit amount or even 2-3 times more;
- You should not hope to receive a car, a ticket to a foreign resort or an apartment as a gift for your investment. If a bank arranges a lottery among its depositors, and 1 or 2 people can become the winner, this is an outright swindle. The prize, perhaps, will be received by a person close to the banking organization, but not by you;
- Ask a bank employee what minimum amount deposit to receive a gift. Perhaps you are going to invest a smaller amount, in which case you will not see a present;
- If the value of your presentation exceeds 4,000 rubles (non-taxable minimum), then you will have to pay a tax in the amount of 35% of the cost of the product. Therefore, calling a phone or expensive household appliances a free gift will be a stretch;
- It is worth noting that the following can be stipulated in the conditions of bank promotions: in case of early closing of the deposit, the client will have to reimburse the full value of the received gift;
- Finally, do not forget that promotions with free gifts in most cases suit small financial institutions in the fight for customers. Trust your investments only to proven and positively established banks in the financial space.
Overview. 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.
What you need to know
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.
Definitions
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 the represented bank already has a banking product. Often, products issued by the bank have a higher yield than deposits issued in the branch.
What are the interests of both parties
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 depositor is also obvious - he receives a gift and at the same time gives it away under high yield your savings. 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 operations and allow you to earn income from investing in credit products.
Legal aspects
- stipulates the concepts of contribution, design and rules for attracting;
- Federal Law of December 23, 2003 On Deposit Insurance.
The main details of such a program today
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.
How to get a present
There are several rules for receiving a present:
Many citizens do not believe in presents from financial institutions. banking organization issues loans at 20% per annum, and investments take no more than 9% of the expenditure. 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, the deposit is also charged interest rate, which is or included in the main savings.
To receive a gift you need:
- save code from banking institution and send it via SMS;
- visit a branch of a financial institution with a passport on the day of the action;
- open a deposit;
- receive a gift. In some cases, free delivery of a gift to any address of residence in the territory of the subject is possible;
- a citizen can independently choose a gift from those presented.
When opening a deposit, the depositor must familiarize himself with all the details of the program:
- product without capitalization, but with the possibility of replenishment or;
- interest is charged every month to a separate account;
- interest in each institution is individual;
- without automatic renewal.
Design methods
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 deposits do not imply additional replenishment or opening in foreign 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:
- go to the official resource of the company and enter your login and password;
- go to the tab of products with promotions;
- get acquainted with the tariffs and;
- fill out the submitted application and confirm the action with a code from SMS;
- transfer funds to a deposit account.
List of Moscow banks with gifts on deposits
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 of free service under the Small Business plan |
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 |
In which financial and credit organization, for a deposit in rubles, a card is issued as a gift
Also, as part of the promotion, you can order for free bank card for account management.
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 | Allows you to use 10 premium cards for which there is no service charge. But to get it, you need to invest 100,000 rubles. | |
Alfa Bank | individually | Linked to network access, no service charge |
Depositor Requirements
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.
Required documents
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 large sums deposit require confirmation of these funds.
FAQ
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.
Isn't it cheating
IN banking structure indeed there are products that imply the issuance of a present for opening a deposit.
After all, in an age of high competition credit institutions trying to attract 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.
How beneficial are they?
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 either on the national currency or on a multicurrency deposit |
What conditions usually need to be met when opening a deposit in order to receive a gift. What kind credit organizations provide such opportunities.
In order for the bank to develop steadily and replenish its capital, it needs a constant influx of customers. Making deposits is one of the main sources of funds for a financial institution. The growth of depositors keeps the bank afloat and guarantees the fulfillment of obligations to all customers and Central Bank RF.
But against the background of the crisis in 2014 caused by the actions of sanctions, and a sharp appreciation of the national currency The desire to invest in a bank has diminished for many people. In such a situation, many financial and credit institutions began to attract customers by other methods. In particular, deposits with gifts appeared. In 2014, Antal Bank and a number of other financial institutions in Moscow threw many interesting offers onto the market. However, conditions differed significantly.
Features of unusual deposits
Deposits with gifts were offered in many banks. At the same time, 2014 was a real record-breaking year in this respect. For signing an agreement with the bank, one could get a high-quality camera or even an iPad. But there is no need to rush here. The bank thinks over such actions ideally, so as not to offend "themselves beloved." In fact, souvenirs in Moscow banks are just a way to attract attention. In a nearby financial institution, the percentage may be higher, and your profit may be greater than in a bank with a “bonus”. By the way, many clients of Antal Bank noted this pattern.
Basic Rules
When reviewing such contributions in 2014, two main conclusions emerged:
- All lotteries organized by the bank are mostly fake. This is especially true if we are talking about serious gifts for depositors, such as an apartment or a car. If you have already decided to deposit money in a particular bank, then you should not do this because of a gift. The depositors caught Antal Bank in such tricks, but, of course, no one collected evidence.
- When making a deposit, it is important to be interested in what is the minimum amount, and whether gifts are provided when depositing funds into your account. In 2014, there were situations when a person came to financial institution, made a deposit, and when I tried to receive my gift, I was refused. The reason is that the prizes are over.
Basic Options
In 2014, there were many interesting offers regarding deposits with gifts. Here are some of them:
![](https://i0.wp.com/eurobanko.ru/wp-content/uploads/2015/08/podarki-vklad4.jpg)
Output
Receiving gifts is always good and pleasant. On the one hand, you make a deposit under good interest, and on the other hand, you get a souvenir. Banks Antal, Sofrino, Tinkoff and many others met their customers halfway. It is a pity that many promotions have ended. It remains only to wait for a new wave and not miss your chance. At the same time, it is important to carefully consider whether a future deposit with a souvenir will be profitable or whether it is better to make a deposit in another bank and with a higher rate.