Attention, friends! The countdown to 2022 has begun. According to the new "tax preferential" policy for personal pensions, individuals who want to enjoy the tax deduction for personal pension investments in 2022 need to complete account opening and deposit within the year.

Even including 7 weekends, there are only 21 days left for investment. The new personal pension investment policy is a support policy provided by the state for the public pension. Each person has a maximum quota of 12,000 yuan per year, which can be deducted before tax and invested in related pension products. As for pension matters, the most critical thing is to open a special bank pension account. There are only 23 banks with the above-mentioned account opening qualifications. Most of them provide generous gifts for investors to open accounts. What is the specific situation?

Banks offer four major categories of "red envelope benefits". According to incomplete statistics from Zishitang, there are currently at least 23 banks shortlisted for personal pension account qualifications. 17 banks have successively announced account opening incentives. Among them, the account opening bonus activities of most banks last until the end of March next year, but some banks only last until the end of December this year. Judging from the account opening rewards of these banks (those not marked are all head offices), at present, the account opening welfare activities of each bank are mainly divided into four categories: The first category is the "money distribution" that directly sends WeChat instant discounts or corresponding cash red envelopes when opening an account. The second type is the "lucksack party" where opening an account will give you a chance to win a lottery; the third type is the "mixed party" where the above two types of rewards are given; the fourth type is the "points party" where opening an account will give you "points".

The most direct "Faqianpai"

Faqianpai is the more "bold" and "direct" among the above-mentioned banks. Usually, it will be noted that after opening an account, a WeChat account will be sent directly. Discount or corresponding cash bonus.

Suitable for people who usually have bad luck at parties, annual meetings, lottery tickets and other big draws.

Relevant banks include: Industrial and Commercial Bank of China, Bank of China (Shanghai Branch), Bank of Communications, China CITIC Bank, China Guangfa Bank, and Shanghai Pudong Development Bank (Shanghai Branch).

Guangfa Bank: The event ends on December 31, 2022. Open an account at Guangfa Bank and receive a 50 yuan welfare bonus. Deposit 1,000 yuan to 12,000 yuan in the account, and you can get up to 150 yuan in welfare benefits. Account opening benefits include WeChat instant discounts, life welfare coupons, credit card repayment circles, and Guangfa Mall coupons. You can choose one of four categories.

Shanghai Pudong Development Bank (Shanghai Branch): Open a pension account and receive an instant WeChat discount of 50 yuan. If the deposit amount reaches more than 1,000 yuan, you will receive an additional 60 yuan WeChat instant discount.

CITIC Bank: The activity ends at the end of March 23, open an account and receive an instant WeChat discount of 20 yuan; after opening an account, if the balance of the personal pension account reaches the standard of 1,000 yuan at one time, you can receive an instant WeChat discount of 18 yuan; If you reach the standard of 12,000 yuan at one time, you can receive an instant WeChat discount of 68 yuan (the above two items cannot be obtained at the same time).

Bank of Communications: As of March 31, 2023, when opening an account, you will have to pay a coupon gift package of 58 yuan, and the reward is limited to 1.1 million copies.

ICBC: As of December 31, 2022, open an account and deposit 1 yuan or more to receive an instant discount of 50 yuan on WeChat, first come first served.

Bank of China (Shanghai Branch): From November 23rd to December 9th, if you make an appointment to open a personal pension account through the event page, you will receive a 10-yuan WeChat instant discount. If you activate the account, you will receive a 20-yuan WeChat instant discount. Cash or phone credit coupons; open an account directly, and receive a 30-yuan WeChat instant credit or phone credit coupon upon account activation. The upper limit of rewards for a single customer is 30 yuan.

The attractive “Mix and Match Party”

The Mix and Match Party refers to a bank that not only directly sends WeChat instant cash discounts (red envelopes), but also returns lucky draw opportunities after meeting the corresponding conditions.

Suitable for people: "Stable parties" who want to use their luck to "test their skills" in addition to the "guaranteed" rewards.

The banks in this group include: China Construction Bank, Agricultural Bank of China (Shanghai Branch)

China Construction Bank: Before December 31, 2022, open an account and experience recharging to receive a 50-yuan WeChat instant discount ; In 2022, if the cumulative deposit amount in the CCB personal pension fund account reaches 500 yuan, you can receive a 20 yuan WeChat instant discount; after successfully opening an account, you can participate in a lucky draw and enjoy a minimum of 5 yuan and a maximum of 888 yuan CCB life vouchers.

Agricultural Bank of China (Shanghai Branch): Get an instant WeChat discount of 50 yuan when you open an account, and get a lucky draw opportunity.

Lottery School

Lottery School: Opening an account in this school will give you a chance to win a lottery. From instant discounts on WeChat to iPhone14pro512G, all of them may be prizes.

Suitable for people: "Koi people" who are very lucky, or people who want to "give it a try".

The banks of this faction include: Postal Savings Bank, Minsheng Bank, Industrial Bank, China Merchants Bank, and Bank of Beijing.

Postal Savings Bank of China: Open an account and get a chance to win a lottery. Postal Savings Bank Hongkou red envelope up to 500 yuan, iphone14pro512G.

Industrial Bank: When you open an account, you will receive a lucky draw opportunity, and you can choose between red envelopes or phone calls. The maximum red envelope is 288 yuan; the maximum phone bill is 300 yuan.

Minsheng Bank: Minsheng Bank debit card customers who open an account for the first time will receive an instant discount of ~ yuan on WeChat.

China Merchants Bank: When opening an account in pilot cities, you can get a red envelope of up to 288 yuan, and experience the pension and receive an additional 10 yuan red envelope.

Bank of Beijing: As of January 31, 2023, users who register for the Bank of Beijing’s “Jingcai Life” mobile banking APP and hold a Class I debit card account with the bank can receive an instant discount of 30 WeChat Gold, 50 Jingdong E-card, 100 Jingdong E-card, 288 yuan WeChat instant discount. The bonus is 100,000 copies. Luck in the lottery is a matter of "metaphysics". Whether you want to get a real WeChat instant bonus, or you have to "take a chance and turn your bicycle into a motorcycle", friends can come as needed.

Points Bonus

Lottery Bonus: Open an account and receive "points" from the corresponding bank.

Suitable for people: "point masters" who need to accumulate points

The banks in this group include: Bank of Ningbo, Zheshang Bank

Bank of Ningbo: Open an account With a combined deposit of 100 yuan, you can get 6,600 bodou; if you form a group of three, each person can enjoy an additional 3,300 bodou; the reward will be automatically credited to your account on Wednesday the following week. The so-called "Hadou" is similar to points. 6,600 bodou can be exchanged for products such as small electric hot pots in the bank's APP's bodou mall, with a discounted value of about 60 yuan.

Zheshang Bank: 14,888~50,000 points can be drawn for opening an account; during the event, the pension balance is 100-12,000 yuan, and a maximum of 100,000 points can be obtained. The discounted value of the product that can be redeemed by 14888 points is 30 yuan.

You can also try to make an appointment in non-pilot cities. While many banks are still only "racing for land" in pilot cities, some banks have already "jumped the gun" in non-pilot cities. The China Merchants Bank APP shows that the bank has opened account opening appointments for customers in non-pilot cities. Customers who make an appointment to open an account can draw a red envelope of up to 66 yuan. In addition, judging from current actual feedback, different branches of many banks, such as Bank of China and Shanghai Pudong Development Bank, have different settings for event rewards. Even the rewards given by different branches and account managers who are "crazy" by KPIs are different. Therefore, friends who need to open an account can also make a decision after asking more questions.