Deposit savings account of vtb bank. Cumulative deposit from VTB: conditions and reviews, the difference between the account. Comprehensive service agreement
VTB 24 Bank regularly provides its clients with new opportunities. Savings account VTB 24 makes it possible to save money without opening a deposit. Its main advantage is that funds can be withdrawn at any time without losing interest from the Savings Account at VTB.
How it works
>With a Savings Account it is more convenient and profitable to keep money. The more funds and the longer they are on the balance sheet, the higher the interest rate.
It can reach 10% per annum, which makes the Savings Account the most profitable investment in VTB 24.
Unfortunately, for this type of investment there is no special VTB Savings Account that allows you to calculate the future return on investment.
After opening a deposit, the client does not need to do anything. It is even easier for VTB 24 salary clients, since the selected amount will be automatically transferred from the salary card to the account balance.
You can make a transfer from one account to another on your own, but automatic replenishment is a more convenient option. Interest is calculated on the Savings Account balance every month.
Features and Benefits
Like any VTB product, the Savings Account has significant advantages. Among them, one can especially highlight:
- You can open a savings account at VTB 24 in rubles, dollars and euros.
- Several ways to draw up an account: bank office, Mobile Bank, VTB-Online service.
- Several accounts can be opened in each of the offered currencies.
- It is easy and convenient to store funds, there are no restrictions on withdrawals and replenishments.
- The money on the balance is insured.
- Regular increase in the interest rate in the annual period.
- The service is provided free of charge.
- The account has no expiration date.
- Minimum first deposit.
According to the terms of the VTB Savings Account, if the client decides to close the account, he should remember that interest is not charged for the month in which the closure took place. Upon termination of the Comprehensive Service Agreement, the deposit is closed, and the balance is returned to the main account in ruble equivalent.
As for the restrictions, withdrawing money and replenishing the balance is possible only by non-cash method. Also, you cannot transfer funds to the accounts of other persons and your accounts opened in another bank.
Getting a higher rate
You can increase the income from the Savings Account by opening a VTB 24 Multicard with the "Savings" option enabled. With the card, the rate will be 10% in the first month, and also reach 10% depending on the amount and term of the deposit.
Important!
The condition for a 10% bet is the first deposit in the amount of at least 75 thousand rubles. The rate will rise to 10% after the first year of card opening.
The Savings Account is a reliable product of the bank, which is confirmed by numerous positive reviews about the VTB Savings Account. The high rate and ease of use are what attracts both existing and new clients of VTB 24.
In the struggle for customers, financial institutions are developing new effective products. Today we will consider a savings deposit at VTB Bank.
Already today, Vneshtorgbank's existing clients can open a profitable bank deposit called "Accumulative".
The composition of the proposals of the special program is aimed at applicants who expect to receive a good income from the placement of their capital.
According to the terms, VTB savings account is suitable for those who are looking for a convenient way to increase their investments. The product is somewhat reminiscent of a piggy bank, from which you can start creating a personal reserve for the future.
How does the deposit work
In addition to the deposit, a VTB 24 multicard is opened for the bank's clients on general terms of use.
The plastic account can be specified for the transfer of wages. In this case, funds will be automatically deposited in the piggy bank.
To do this, you need to indicate such a scheme in the personal account of VTB 24 multicards, the conditions of which imply the opening of a personal section in online banking.
You can also manage your personal account through a mobile application.
VTB 24 multi-card debit according to the terms is comparable to the usual bank deposits.
In cooperation, the basic principle of investment with interest is preserved - the more capital, the higher the level of income.
According to the rules of VTB 24 savings account, the terms of interaction include an increase in rates over time.
The scheme of the deposit is as follows:
- wages are received on the VTB multi-card savings account under standard conditions. Self-service balance replenishment is allowed through self-service devices;
- after setting up auto payment, the funds are transferred to the deposit on the appointed date;
- you can withdraw funds in whole or in part. Savings and accrued interest are not lost.
How to open what rates
For the VTB 24 savings account, the conditions for calculating interest depend on the term of the deposit and the currency.
The longer the storage period of funds, the higher the capitalization will be. The maximum rent under the terms of VTB 24 multicard savings account will be 7 percent, subject to the conclusion of an agreement for a period of more than a year.
If the period of cooperation is less than 3 months, the increase in the account will be at the level of 4 percent.
For foreign exchange contracts, rates are provided in the range of 0.01-2% for dollar contracts and regardless of the deposit parameters 0.01%, if the depositor prefers to work with euros.
All types of contracts mean free service and opening the account itself, without additional commissions.
In order to open a deposit, you can visit the official website, fill out an application and confirm your data.
For those who prefer the traditional format of cooperation, the doors of the nearest office of the company are always open.
How to improve the terms of the deposit
One of the innovations of VTB Bank is the opening of a plastic card that is attached to the deposit.
In the case of the VTB 24 savings account, the multicard improves the conditions for keeping funds on the institution's deposit.
Plastic holders are offered increased interest rates on all types of deposits.
So, if the "Savings" service is connected to the multicard, and the minimum turnover of expenses on the account is maintained, the bank's client can count on an increase in the deposit of up to 8.5 percent on an annualized basis.
How the rate depends on the volume of purchases:
- up to 5,000 rubles a month - 4-7 percent;
- up to 15,000 rubles per month - 4.5-7.5%;
- no more than 75 thousand rubles - 7.5-8 percent;
- more than 75,000 rubles per month - maximum rates - up to 8.5 percent.
According to the terms of the accumulative program, the bank's clients can count on higher rates while ensuring the minimum turnover on a multicard of 5,000 rubles.
However, there are limitations. Interest is not charged on an amount exceeding an account balance of one and a half million.
Features of the accumulative program
Users of a banking product need to take into account some restrictions.
Thus, the owners of the multicard attached to the account cannot withdraw funds in cash or transfer to accounts opened in other banks.
You can replenish the deposit only by wire transfers. First, the money is credited to the main (master) account, and from there it is sent to the bank details.
The program from VTB Bank has all the advantages of a modern banking product - convenience of storage, accumulation and security.
Before contacting any financial institution, you must familiarize yourself with the detailed information of any banking product on the official website of the banking institution.
The "Accumulative" deposit from VTB is a convenient way to receive passive income in one of the most reliable Russian banks. Capitalization and the use of “Multicard” help to increase profitability. Thanks to this program, you can pay for goods and services, while receiving up to 8.5% on the account balance. You can replenish your account throughout the entire term of the deposit. To choose the best deposit for yourself, you should consider everything about VTB 24 "Savings Account" and deposits under other programs.
Savings account and other deposits with VTB 24
Currently, VTB Bank provides the following deposit programs:- "Savings account";
- deposit "Profitable";
- deposit "Replenishing";
- contribution "Growth time";
- deposit Savings account "Piggy bank";
- deposit "Comfortable".
"Savings account" in VTB 24, conditions in 2019
"Savings account" from VTB 24 provides the highest percentage of income in comparison with other programs - up to 8.5% per annum. You can get the highest interest rate by using the "Multicard" card. It allows you to connect the following options: "Cashback" (up to 10% refund for purchases), bonus program "Collection" (identical to "Thank you" from Sberbank), "Travel" under the "Map of the World" program, free service, as well as the ability to withdraw cash without commission at ATMs of third-party banks. All the possibilities and advantages of the "Multicard" card are on the page.General conditions for the Savings Account:
- maximum interest rate - up to 8.5%:
- currency: rubles, euros, dollars;
- the minimum deposit amount is not limited;
- investment term - unlimited;
- you can replenish the deposit any number of times;
- it is possible to convert the money deposited on the account at the VTB rate;
- interest is paid monthly (on the last day), they can be capitalized (added to the deposit amount) or withdrawn to a separate account in a non-cash way;
- interest is calculated according to the minimum amount on the account during the month;
- the account can be replenished at any time, except for the last month of the deposit's validity period.
How interest is calculated and what affects it
For the "Savings account" the bank has developed two options for calculating interest - with the "Savings" option and without it. If the "Savings" option is not used, interest is calculated at the base rate:Russian ruble
Main characteristics
- The amount on the account is not limited
- Indefinite
- Replenishment possible
- Multiple withdrawals
- Contribution
- Income
My income
0 ₽
Rate table " Russian ruble"
If the Multicard is used, you can enable the "Savings" option.
Interest and conditions with the "Savings" option
The bank charges interest on the balance of funds for each month separately. The value of the interest rate is affected by the amount of purchases on the card. The higher the amount of purchases, the higher the income for the current month:Russian ruble
Main characteristics
- The amount on the account is not limited
- Indefinite
- Replenished
- Multiple withdrawals
- Contribution
- Income
My income
19 ₽
30 days 91 days 181 days 361 days
Rate table " Russian ruble"
| Minimum deposit amount | from 30 up to 90 days | from 91 up to 180 days | from 181 up to 360 days | from 361 up to 9999 days |
|---|---|---|---|---|
| from 75 000 ₽ | 5,50% | 6,50% | 7,00% | 7,50% |
| from 15 000 ₽ | 5,00% | 6,00% | 6,50% | 7,00% |
| from 5 000 ₽ | 4,50% | 5,50% | 6,00% | 6,50% |
On the last day of each month, funds are credited to the account or capitalization occurs, i.e. the amount on the card increases.
Hello!
I have been using VTB Bank services for 7 years. And in general I am very pleased with the bank! Every year the bank offers some new services to its clients. Online banking appeared many years ago. At first, I didn’t really trust that you can manage your finances through the Internet at any time. Now I come to the conclusion that everything is not so scary. VTB-online - really allows you to save a lot of time and quickly perform many operations.
Personal account protection
The bank will give you a username and password. In addition, an SMS will be sent to the phone before each entrance. In my opinion, everything is quite reliable. From experience I can say that this is not the case in all banks.
Master accounts
As part of the bank's service package, you will be offered 3 master accounts - in rubles, dollars and euros. You can make a currency exchange at any time. But keep in mind - if you want to withdraw dollars or euros in cash at the bank's cash desk - pay a decent commission.
Also, several bank cards can be linked to one master account.
Payment of utility bills
Previously, you had to go every month, stand in line and pay for everything. Separate light, separately for the apartment, separately for the telephone, etc. Now all this can be done instantly in the online bank!
We select the required organization from the list of services and enter the payer code indicated in the receipt.
You can collect receipts in your email. Everything else is paid similarly.
For example, I even paid for kindergarten.
The commission is usually 20 rubles. This is lower than, for example, on the MFC website.
Payment for other government services
All other payments can be quickly paid using the UIN code.
Also in your personal account there are many payment options and other services -
For any payment transaction, you must make a confirmation -
Savings account
Since 2016, among the offers of VTB24 Bank, a service has appeared "Savings account". The bank has been actively promoting this product for more than six months, luring customers with tempting offers. But in the ad, many important points (not very convenient for customers) are not mentioned.
I decided to check - what really is? And I opened this account for myself through VTB-online.
What is a savings account?
This is a separate checking account with the bank. In fact, an analogue of a deposit - income is accrued monthly on the funds that are on this account.
What is the difference between a savings account and a deposit?
On a deposit, the percentage is fixed and is prescribed in advance in the agreement. For savings account bank can at any time unilaterally change the percentage.
Advantages of VTB24 savings account:
- bank reliability. VTB24 is one of the three largest banks in Russia. He is definitely not in danger of license revocation.
- you can open an account (as well as replenish it or withdraw money) remotely(through your personal account) without visiting the bank;
- at any time you can easily top up / write off the required amount;
- interest payment at the end of each month.
- it is not necessary to link the card to the account. Some banks offer savings accounts with a card. In my opinion, this is unsafe - the card is essentially the key to your account, and if something happens to it, the money may disappear. An account without a card is safer in this regard.
- interest rate increases on a savings account up to 1.5%, subject to purchases by "Multicard" with option « Saving» for the amount up to 75 thousand.
But there is a limitation - the maximum amount on the savings account is 1.5 million rubles. (If the amount is more, the interest will be in the amount of only 1.5 million rubles.)
- in fact, the deposit is received with capitalization(if you do not withdraw income from the account every month).
- account maintenance is free.
- the ability to open a savings account in foreign currency. But the rates there are so low that the income will be ridiculous.
- there is an option "Auto-replenishment". In my opinion, it is very convenient - every month money will be automatically debited to the savings account - this disciplines.
disadvantages savings account VTB24:
- low interest rate.
The following rates are currently valid:
(In the first month, income - 10% - this is within the framework of the promotion)
For comparison, in other banks (and even in VTB24 itself), the rates on a regular deposit are almost 2 times higher.
- interest will be charged for the minimum balance within a month.
What does this mean with examples:
On the 1st, you opened an account and deposited 10,000. On the 2nd, you replenished your account with 90,000, but this month the interest will be calculated only for 10,000! 90,000 - will lie dead weight.
The same thing - if, for example, you have a large amount of money, you withdraw it for 1 day, then put it back - this month there will be no income.
Or another option: you opened a savings account today, and deposited money only tomorrow. As a result, this month there will be no income (the minimum balance was zero).
(For comparison - if you have a replenished deposit open, then the income increases the next day after replenishment, and not as on the "savings account")
Note! At VTB24 Bank - everything is considered strictly in calendar months. That is, if you opened an account on the 31st, then you will not receive anything - interest is calculated the next day, and the next day is already a new reporting month.
Everything is very simple! Divide the interest rate by the number of days in a year -
4% / 365 = 0.000110 (if the leap year is 4% / 366 = 0.000109). And multiply by the minimum account balance. For example 10,000 rubles.
We receive income per day - 10,000 * 0.000110 = 1.1 rubles.
That is 10,000 rubles. the account will bring you consistently 1.1 rubles per day. We multiply by the number of days in a month - 1.1 * 30 = 33 rubles.
Actually 33 rubles - this is the income that the bank will charge you at the end of the month.
Curiously, in a leap year, the income will be less: 4% / 366 * 10000 * 30 = 32.8 rubles. This is the logic behind the banks' settlement.
I believe that you can keep some small amount in a savings account in case you suddenly need money. (In order not to take loans in any way!). That is why I opened this account for myself.
If you know for sure that you will not need money - it is better to open a deposit - the income will be higher.
See my other reviews:
- VTB24 bank (all about the bank!)
- VTB24 program - "VTB Collection" (more profitable than "Thank you" from Sberbank!)
The VTB savings account in 2019 allows you to receive a solid return on the balance similar to a deposit, while retaining the right to withdraw money. The merger of VTB 24 under a single VTB brand improved the conditions for saving money on accounts.
A popular way to save money from inflation is a savings account, which allows you to receive interest in an amount comparable to the interest rate on deposits. This is convenient for people who are not ready to give up spending money during storage.
The savings deposit is used as a piggy bank that brings profit from the accumulated money, the funds are always available to the client. The bank allows the salary to be credited to the savings account automatically on the date of receipt of the salary.
Interest rate
Interest on VTB accounts is comparable to individual deposits in large banks. The accrual period is a calendar month. When using money, changes in the accrual of benefits will occur in one month.
Income is accrued for the lesser amount that was on the balance sheet during the month. For example, 1 million rubles were stored, in the middle of the month 200 thousand were withdrawn for an urgent purchase, then a salary of 100 thousand was received, at the end of the period the amount will be 900 thousand, the benefit is accrued on the smallest amount recorded on the account during the period t i.e. 800 thousand rubles. arising after the withdrawal of 200 thousand rubles.
With a full withdrawal of funds, the minimum balance will decrease to zero and no interest will be charged for the month. Accrued income is paid on the 15th day of the next month.
Let's compare with other contributions.
Click on the graph to see details
| Bank credit | Bid % |
|---|
Conditions
VTB's terms of service provide a yield comparable to deposit rates. By accessing the funds, the client loses interest in only one period.
- It opens free of charge at the bank's office, via the Internet at VTB-online.
- Service is free.
- The storage period is unlimited.
- There are no requirements for the minimum and maximum amount of the contribution and the minimum balance.
- Replenishment is carried out in any size and at any time.
- You have access to your savings at any time.
- Cashless withdrawal and replenishment is carried out without restrictions.
- Connecting auto-replenishment from the card.
- Subject to the deposit insurance program.
- The use of different currencies Euro, dollar, etc.
Click on the graph to see details
For individuals
Accumulation is beneficial to VTB Bank clients. Legal entities are limited in the use of the offer. People use a favorable rate by accumulating free money.
You can always get access to your own funds, conveniently manage your finances, covering unforeseen expenses with savings and income.
Management is available via the Internet, closing online or in the office, when closing the money is credited to the card. Closing is carried out promptly, interest for the current month is not charged.
Closing in the office, you can get cash at the bank's cash desk, there are cash withdrawal limits.
Maximum interest rate
Click on the graph to see details
Open online
It is available to open online, via the Internet, using the VTB service. The use of technology facilitates and simplifies the use of the product, the accumulation of funds. The client retains round-the-clock access to money, makes purchases, withdraws cash.
Account replenishment is carried out automatically, VTB-Online configures card replenishment, allowing you to regularly save a certain amount without performing additional actions.
Investors save finances automatically - online. The service shows the accrual online, displays the balance and accepts orders for the transfer of money.
Salary account
The salary is automatically transferred to the savings deposit. Accruing profit from the amount, salaries of the current period, finances automatically go to savings and form a profit.
The service can be used by VTB salary clients who have set up replenishment from a card. Customers who replenish the card on their own pay their salaries manually at an ATM. The remainder of the salary saved in the current month promises profit in future periods. The salary is credited to the deposit does not depend on the currency of receipt, dollars are automatically converted into rubles.
Multi-card account
For the convenience of using the accumulative program, it is recommended to issue a multicard. The card will allow you to quickly access money, pay for a purchase, transfer money, withdraw cash.
A multi-card is a debit card that provides access to finance. Allows you to use money, but interest is charged on the balance, withdrawing money, the client reduces the balance and, accordingly, the monthly income.
If the money is returned in the future, the balance in the current period will already be fixed and subsequent replenishment will not change the situation and the amount of income.
Promotion 10%
VTB offers a 10% share in a cumulative package. Regardless of the amount of replenishment made in the first month of transactions, the client will receive a 10% surcharge.
The amount of interest increase depends on the amount spent on the multicard, increasing the turnover, the depositor raises the rate. To receive a bonus, issue a multicard during the validity period of the 10% promotion.
Peculiarities
The increased monthly income rate is offered to customers with a long history of servicing at the bank. The accrual procedure is individual for each depositor, the bank provides favorable conditions for regular users of services. A careful study of the conditions for the placement of funds will help clients avoid misunderstanding the procedure for calculating interest.
Capitalization depends on the term, the annual yield is calculated according to the following parameters:
- 1 month - 4.0%;
- 3 months - 5.0%;
- 6 months - 6.0%;
- 1 year - 8.5%.
The financial storage service is unlimited, the credit institution changes the conditions for placing deposits at its discretion. The bank's right to change the rate is fixed in the standard service agreement. Unauthorized changes in the placement rules are unprofitable for clients, but the convenience of service consumption outweighs. The credit institution cares about the loyalty of the population, a massive change in conditions will lead to an outflow of clients, reducing financial reserves.
Service is provided free of charge, operations are carried out without commissions, in addition, a master account is opened in three currencies - dollars, rubles and euros. The profitability of a foreign currency account is determined by the amount and term of use of the service. The capitalization scheme is determined by currency, it can be daily, monthly, quarterly.
Free service simplifies operations, reduces the cost of money transfer. Users make purchases for free, pay expenses. By placing part of the assets on the deposit, consumers will insure the risks of reforming storage conditions. Diversification of investments and assets will help achieve the goal by increasing savings. Discerning users who maintain a high average monthly balance will be satisfied with the service.
For retirees
Pensioners are not only a growing group in society. With the development of civilization, this state is slowly changing. Seniors are convinced of the benefits of banks. Pensioners move in time, create bank accounts, use the Internet, electronic banking and a number of other modern services. A savings account for pensioners is specially provided for in VTB.
The first criteria when choosing a product for a retiree should be low cost and no fees associated with managing a personal or savings account. Another important factor is ease of use and the availability of bank branches in a convenient location. Remember that older people generally prefer personal contact with a counselor, for example, by paying or withdrawing money from an account - be it personal or savings.
In addition to the billing account that is affected by retirement, retirees can successfully use any other banking product. If they can afford it, they can open a savings account. Many retirees are reluctant to deposit capital in banks, believing that keeping money in a financial institution is not unsafe. This awareness is changing and older people are more likely to invest in an interest bearing deposit or place it in a savings account.
A savings account is a savings option for retirees. Account maintenance is convenient and easy. The account can be connected to electronic banking, which will provide instant access to funds. The owner of the savings account has free access to the collected funds. When there are circumstances in which he will have to withdraw money from the bank, he will not lose interest.
Calculator
You can use the income calculator to calculate the benefits of using an offer. The calculator is located on the official website of the bank or you can use third-party services that provide a service for calculating the monthly profitability.