In 2024, the period of New Year's banking offers coincided with the moment when the Central Bank raised the key rate.
This is why some financial institutions are taking advantage of the current situation and offering clients fake New Year deposits.
Financier Lazar Badalov made this warning in a conversation with the PRIME agency.
According to the expert, banks are well aware that before the New Year, many Russians receive bonuses that they are ready to put into an account.
And since in 2024 the time for New Year deposits coincided with an increase in the key rate, some banks may take advantage of this opportunity.
For example, there are frequent cases when the interest rate on a bank deposit increases because the key rate has been raised, but the financial institution presents this fact as a New Year's promotion.
He also called for caution against those offers where a combined deposit is issued for the New Year's promotion. These offers are dangerous because earnings in them are not guaranteed, since they are associated with investment and insurance.
Badalov also called for paying attention to floating rates, which can be really high at first and then fall significantly.
