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VTB 24 Bank - universal reliability

Reference Information:

VTB 24 Bank (PJSC) dates back to 2004, when Guta-Bank, which was going through hard times, was bought out by Vneshtorgbank. Then the name changed to CJSC Vneshtorgbank Retail Services. In 2006, rebranding took place, and the bank became known as VTB 24, and in 2014, OPF changed to PJSC.

The credit institution is controlled by PJSC VTB Bank and serves individuals, individual entrepreneurs and small businesses.

By the end of 2017, it is planned to completely merge VTB 24 Bank with VTB Bank. This will create a single universal bank with a huge network of branches and ATMs. It is noted that after the merger of credit institutions, all conditions under agreements concluded with clients will remain in force.

Today the 24Direktor portal will review for you the services of this bank offered to legal entities and individuals.

VTB 24 Bank for legal entities

A wide range of cash settlement tariffs are available for organizations. Depending on the type of business and the size of the organization, you can select the optimal service tariff, which includes the necessary options and services.

Since more and more people are switching to non-cash payments at retail outlets due to obvious convenience, the bank offers organizations to enter into an acquiring agreement. In addition to trade acquiring, there is Internet acquiring (a web interface that allows you to accept card payments on websites and online stores) and mobile acquiring (a device with which a smartphone or tablet acts as a payment terminal).

VTB Bank 24 provides loans to small businesses. In addition to programs for business development and overdraft provision, there are loans for the purchase of collateral, business mortgages, replenishment of working capital and others.

The Internet bank “VTB 24 Business Online” is provided for legal entities, built on its own platform and allowing you to remotely manage the organization’s finances.

It allows you not only to generate account statements and track information on your products, but also to make urgent payments, send documents to the bank, pass exchange control, open deposits and perform conversion transactions.

In addition, the VTB 24 Business Online system has integration with the Internet accounting service “My Business,” which will significantly reduce the time spent by the company’s accounting department employees.

In addition to functionality and a user-friendly interface, the personal account meets all security requirements in the field of protecting confidential information.

In order to familiarize yourself with the structure of Internet banking, you can use the demo version: https://www.vtb24.ru/bo_demo/Client.htm

For owners of tablets and smartphones on the iOS and Android platforms, a mobile application has been developed that has the full functionality of an Internet bank - VTB 24 mobile bank.

VTB 24 Bank for individuals

In addition to opening and maintaining accounts, the bank offers private clients a standard set of retail products. These are mortgages, deposits, consumer loans, refinancing, bank cards.

It is worth noting that for wealthy clients, VTB 24 Bank offers the “Privilege” package, which includes the services of a personal manager, special rates for investment and insurance products, full remote service and appointments at branches without waiting in line.

The VTB 24 Collection bonus program also deserves attention. When you pay with a VTB 24 card, bonuses accumulate in your personal account, which can be spent on goods from the catalog (travel, home, equipment, etc.).

For remote servicing, a personal account “VTB 24 Online” is offered (previously it was called the Internet bank “VTB 24 Telebank”), developed on its own platform. It allows you to manage your finances independently from anywhere in the world where there is Internet access.

There is also a mobile application for iOS and Android platforms with full functionality.

Today, the website portal reviewed for you the offers of one of the largest universal banks on the Russian market, and we hope that this information was useful to you and helped you make the choice of your servicing bank.

Remote banking is an extremely convenient and secure tool for making remote payments. Using VTB Internet banking allows you to significantly save time when carrying out standard banking operations for both individuals and entrepreneurs.

Possibilities of VTB 24 Internet Banking

VTB Remote Internet Bank operates using a secure SSL protocol, which provides encrypted data transmission, which guarantees secure data exchange between the user and the bank. The possibilities of VTB Internet banking are wide.

Using it it is possible:

• make payments for various services - from housing and communal services to cellular communications;
• make transfers to other cardholders of VTB Group banks without commission;
• replenish electronic wallets of any payment systems;
• repay loans taken both from VTB 24 Bank and from other financial institutions, including microfinance organizations;
• purchase currency and precious metals (in the form of compulsory medical insurance);
• receive a statement of actions performed both in VTB Bank Internet banking and using a card in stores and when making payments online;
• control the account status;
• open and close deposits and standard current accounts;
• receive card and current account details for receiving transfers from individuals and legal entities;
• set up automatic recurring payments;
• make delayed transfers;
• create templates for instant payments and transfers.

Mobile version of the service

The VTB Moscow Internet banking system has a mobile version that can be installed on any Android, iPhone or Windows Mobile smartphone. Managing finances using your phone is even more convenient, especially since the functionality of the mobile version is not inferior to the online version.

Moreover, additional options are not available:

• search for nearby ATMs;
• displaying exchange rates online and the possibility of instant exchange;
• payment according to templates created in the VTB Internet banking system;
• transfer by scanning the recipient's card;
• translation by QR code.

VTB Bank provides access to the online banking system free of charge for holders of any tariff plans except the basic one (the cost of the service in the latter case will be 59 rubles).

Mobile bank VTB 24 for iPhone
Mobile version of Internet banking VTB Bank of Moscow for Android
Online version of VTB 24 Internet Bank for Windows Mobile

Registration and login to your personal account

Currently, you can obtain a login and password to access VTB 24 Internet banking only at the bank’s office: the ability to register online has been disabled since 2016.

To connect the system, you will need to go to any branch of VTB 24 Bank with a passport. Our staff will prepare documents for you - a connection application and a service agreement - which will need to be signed.

You will receive a sheet with a login and temporary password, which you will need to indicate on one of the following pages:

• https://online-beta.vtb24.ru/content/vtb24-online-client/ru/login.html – new version of VTB online bank;
• https://online-old.vtb24.ru/content/telebank-client/ru/login.html – old entrance to VTB Internet banking.

After your first login, the system will ask you to provide a permanent password. You will need to remember it or better write it down. It is not recommended to save the login-password combination in the browser, as they can be stolen by attackers!

If you have not used VTB Internet Banking for a long time, you can always restore access:

• first call the bank's hotline 8-800-100-24-24 and request a login (you will need to provide your passport details or secret word);
• on the login page, click Forgot your password, enter your login and the code from the picture, a new password will be sent to the phone number associated with your account.

Recover your login information for VTB 24 Internet Bank by following a couple of simple steps

If you change your phone number or for some reason the password does not reach you, you will need to call the hotline or go to the department with your passport to have your access restored.

Internet banking VTB Bank of Moscow for legal entities

In addition to the online bank for individuals, VTB specialists have developed a special remote account for businessmen. Login to it is carried out on a special page https://bo.vtb24.ru/login.

Enter the required data in a special form to log into Internet banking for legal entities

The opportunities provided by VTB Bank in Internet banking for legal entities are as follows:

• providing complete information about the balance of funds on accounts and cards, including corporate ones, account details;
• the ability to transfer funds to counterparties in rubles and foreign currency;
• conversion of funds at the online bank rate, including the euro/dollar pair;
• currency control in electronic form (with registration of a transaction passport);
• electronic payment documents;
• payment of taxes and contributions to funds, as well as penalties and fines without commission;
• the ability to draw up additional agreements with the bank online (for example, to obtain a credit line, change a tariff plan, or place funds on deposit);
• preparation of statements and certificates;
• loan payment;
• integration with 1C Accounting;
• creation and sending for execution of registers for crediting wages and issuing salary cards (salary project management);
• obtaining various reference information.

Use the demo version of VTB 24 Internet banking for legal entities to evaluate all the capabilities of this service

As part of VTB Internet banking for entrepreneurs, it is possible to pre-register an online account along with booking an account to get started as soon as possible.

Step 1
Step 2

In addition, new clients can take advantage of special non-banking services, in particular the service of verifying a counterparty by its Taxpayer Identification Number (TIN) or OGRN.

Check the details of the counterparty using a special service of the Internet banking system for legal entities

You can connect to Internet banking only at a VTB branch, for example, when opening a current account at a bank. The cost of the service is determined by the tariff plan - as a rule, remote Internet banking is provided free of charge.

Additional protection of the entrepreneur’s confidential data is provided by the ability to log into the system only using an electronic token - an analogue of a digital signature. In addition, it is possible to install a mobile version of VTB Internet Banking for businessmen, which further increases the possibilities of using the system.

Conclusion

Thus, VTB Internet banking is an advanced system of remote customer service, developed for both individuals and entrepreneurs. The functionality of a remote bank is wide - it allows you to make transfers, pay for various services, pay and receive loans, and open deposits. Existing mobile versions expand the capabilities of Internet banking. Registration of an online bank is possible only at a VTB branch. In most cases, system maintenance will be free.

VTB 24 provides its clients who have their own business with a reliable, secure and multifunctional Business Online service, which can be used by registering and then logging into the system.

"VTB Business Online" is the most convenient online bank designed specifically for legal entities and individual entrepreneurs.

VTB 24 opportunities for business

Almost every service that was provided to legal entities in the branch will be available without a direct visit to VTB 24 Bank when using the Business Online service:

• urgent payments;
• viewing and processing payment orders;
• service packages, their acquisition, termination and replacement;
• currency control, online transaction status;
• drawing up an application for transfer of the balance of amounts, ordering a checkbook;
• application for a loan product and its repayment;
• sending a package of free format documents;
• account opening and management.

VTB Business Online provides the opportunity to take advantage of a huge number of services, the execution of which takes a sufficient amount of time when visiting a branch.

Documents and equipment

To connect to the Business Online system from VTB 24, you must fill out the appropriate application. Along with the application, the bank client provides the responsible employee with:

• identification document;
• other registration documents.

In addition to documents, legal entities that are clients of the bank must have the technical ability to use the Business Online service and further enter the organization’s personal account:

• a computer with a Pentium processor (from 300), RAM capacity from 128 MB (hard drive from 1.5 GB);
• Internet connection;
• Russified printer;
• Windows operating system from 7 and MAC OS X (not lower than 10.9);
• browser Explorer (from v11), Safari (version 7), FIREFOX (32-bit version from 31 to 51), Google CHROME (versions 40 to 44) or OPERA (versions 28 to 34).

The use of the above browsers is accompanied by the installation of JAVA SE Runtime Environment 8 software.

Connecting the system

A bank client who is a legal entity or individual entrepreneur and has a valid legal account with VTB 24 will be able to activate the service. Connecting to the service does not take much time and occurs on the same day of application.

1. Go to the bank office where the service is performed.
2. Provide the required package of documents.
3. Open an account (not considered a requirement).
4. Fill out the appropriate application.
5. Make a payment to the VTB branch cash desk for connection.
6. Take the act approving the start of operation of the Business Online service (2 copies).

Registration of a new legal entity

Installation and subsequent registration of the system for opening an account for a legal entity or individual entrepreneur at VTB 24 Bank, you must perform the following steps:

1. Installing a plugin with cryptographic data protection - a request for installation will be received when you log into your personal account for the first time.
2. Login to your personal service indicating your tax identification number and code word.
3. Creation of users (full name, gender, date of birth, SNILS, passport, email, cell phone number).
4. Setting up user permissions (the right and period of application of the signature, authorities).
5. Obtaining certificates (log in to your account, change your ID, save keys, request and save certificates).
6. Printout of acts approving the commissioning of the Business Online service (2 copies).
7. Submitting acts for signing to the VTB branch to confirm and activate user certificates.

Receipt of certificates is accompanied by logging into your personal service using the login/password identifiers received via SMS notification.

When logging in for the first time, it is advisable to change the identifiers received via SMS notification. After logging into your personal account, you will be able to request, receive and further register a certificate.

Login to Business Online

Depending on what device you are using to visit the personal service of the Business Online service, from a computer or a mobile gadget, the step-by-step guide will be different.

From computer

Login to the personal service “Business Online” via a computer is done on the official website of VTB 24. To carry out this action, the bank client must do the following:

1. Go to the login page.
2. Click “Personal Account”.
3. Click "Organization".
4. Specify TIN, identifier and secret word.
5. Click on the “Login” button.

The secret word is indicated in the application submitted by clients for comprehensive services by the bank.

From a mobile phone

You can install the free version of VTB mobile bank for legal entities through the Google Play and App Store application stores, depending on the existing operating system on the client’s personal device (Android from 4.4, iOS from 8.0). The developer is VTB Bank itself.

Login to the personal account of the application is carried out by entering a login and password sent via SMS notification to the mobile phone number specified in the service agreement.

The sent identifiers are considered temporary, so after visiting your personal account they should be changed to a new pair.

Features of mobile banking for business

Mobile services for legal entities who are VTB 24 clients have the following advantages:

• viewing and confirming payments;
• requesting online account statements and sending them;
• search filter for required transactions in statements;
• updating account balances;
• sending information and account data;
• 24/7 access;
• receiving the latest news from VTB;
• tax calendars, online transaction statuses and infographics.

The VTB Business Online mobile application has a convenient and intuitive interface, provides additional control over payments and prompt provision of data on completed transactions.

RKO VTB 24 tariffs

The Bank provides entrepreneurs and legal entities with the following tariffs for cash settlement services (CSR).

Security and data protection

The set of means and methods for protecting information used by VTB 24 will be able to ensure security when the client fulfills the basic requirements:

1. Do not disclose identifiers (one-time and permanent passwords) and other authenticators that are used to gain access to your personal account to third parties.
2. Do not provide third parties with access to your personal computer and other devices from which you work in the Business Online system.
3. It is recommended to install anti-virus programs (Dr Web, Kaspersky, etc.).
4. Avoid visiting entertainment, gaming and other sites not related to work activities from your work computer.
5. Do not open files and documents that were received via email from unknown persons.

Video: Logging into the old version of Internet banking for legal entities.

Help and support

If questions arise that require qualified assistance from specialists, a 24-hour support line is provided. Telephone number for legal entities who are clients of VTB 24: 8 495 739 77 99 (Moscow region), 8 800 200 77 99 (other regions).

Any legal entity operating in Russia can open a current account at any branch of VTB24 Bank. The financial institution offers its clients various service packages and tariff plans from which they can choose the most attractive one. Account holders enjoy discounts and bonuses on other bank services.

How to open a current account with VTB

VTB24 is part of the international financial group Vneshtorgbank. The bank offers its legal entity clients a wide range of financial services: from issuing debit and credit cards, as well as Internet banking to services such as opening a current account.

The undoubted advantage of VTB24 Bank is the possibility of package settlement and cash services, that is, one-time receipt of a whole range of services for opening and maintaining accounts.

Customers who contact the bank for the first time can choose one of six cash settlement services packages. Packages include various sets of services, their cost varies from minimal for new clients to increased for enterprises carrying out foreign trade transactions.

Persons using banking service packages and other clients can open a current account with VTB24 within just four hours. The cost of such a service will be 4,500 rubles, of which 2,500 will be the actual fee for opening a current account, another 2,000 rubles will be an additional payment for urgent service.

Opening a high-quality and reliable current account with VTB is available to legal entities operating in all regions of Russia. To do this, you only need to contact a bank branch in Moscow or the Moscow region once.

Documents for opening an account

To open a current account for a legal entity at VTB24, he needs to contact a bank branch with a standard package of documents, including the following papers:

• a standard application for opening a current account with the signature of the head of the legal entity and the appropriate seal;
• comprehensive service agreement;
• application form of an LLC or other legal entity wishing to open an account, as well as all individuals who have the right to sign;
• document on state registration of a legal entity;
• certificate of registration with the tax service;
• charter of the legal entity;
• an extract from the Unified State Register of Legal Entities, received no more than three months before contacting the bank;
• a notarized card with samples of seals and signatures of the legal entity;
• a document in accordance with which the head of a legal entity is elected;
• licenses and permits to conduct certain types of activities (if any);
• identity cards of representatives of the legal entity;
• other documents at the request of a bank employee.

The packages of documents that must be submitted to the bank are slightly different for the following types of legal entities:

• resident legal entities;
• non-resident legal entities;
• international organizations;
• embassies and consulates;
• IP.

Account opening deadline

Usually, when opening a current account, from the moment of submitting documents to the conclusion of the final service agreement, about 2-3 banking days pass. However, VTB24 Bank offers its depositors express account opening, which will take no more than four hours. Thus, the account will be opened directly on the day of application. However, for this, as already noted, you will have to pay an additional two thousand rubles.

Application for opening

The application for opening a personal account at VTB24 Bank has a standard form. The application form contains the applicant’s personal data, a standardized set of information about the legal entity: location, TIN, etc.

VTB 24 banking service agreement

• The banking service agreement concluded with VTB24 contains all the necessary provisions governing the relationship between the bank and the account holder.
• Firstly, the contract reflects the subject of the transaction. A current account agreement should not be confused with a deposit agreement. The first case does not involve the client depositing a sum of money that the bank can dispose of. The client can use the money in the current account at his own discretion at any time.
• Secondly, the agreement specifies the details of the parties to the transaction - the bank and the legal entity opening the account.
• Thirdly, they describe in detail the services that the bank will provide to the legal entity. In this case, they depend on the selected tariff plan and package.
• Fourthly, the contract reflects the agreements of the parties on payment terms and other issues that are subject to additional settlement.
• Fifth, the contract details the penalties facing a party that does not comply with the terms.

Apply for opening a current account online

You can apply to open an account online – this function is provided by the VTB Internet banking system. To submit an application, you need to go to the bank’s website, find a special form “Leave an application”, fill out the proposed form: last name, first name and patronymic, location, TIN, contact details, etc.

Later, the legal entity will still have to visit the bank in person to sign the agreement.

How much does it cost to maintain a current account?

VTB 24 Bank offers various tariffs and service packages for legal entities wishing to open their own current account. To compare the main tariffs for legal entities for cash settlement services at VTB (that is, for opening and servicing current accounts) and choose the best one, check out the following list of tariffs for cash settlement services in Moscow:

Business start

• Russian ruble.
• Five electronic transfers per month, the cost of the sixth and subsequent ones is 60 rubles/piece.
• Acceptance of cash and collection payments - up to 50 thousand rubles, then - 0.39% of the total amount.
• 1200 ₽/month.

Business cash desk

• Russian ruble.
• 25 electronic transfers per month, from the 26th - 60 rubles each.
• Acceptance of cash and collection payments - up to 250 thousand rubles, then - 0.30% of the amount (minimum 100 rubles).
• 50% discount on opening a ruble account and connecting to the VTB24 Business Online system.
• 2600 ₽/month.

Business online

• Russian ruble.
• 100 electronic transfers per month, from 101st - 39 rubles each.
• 50% discount on opening a ruble account and connecting to the VTB24 Business Online system.
• 3200 ₽/month.

Personal (suspended)

• Russian ruble.
• Acceptance of cash and collection money - up to 300 thousand rubles.
• Cash withdrawal from client accounts – up to 150 thousand.
• Issuance of duplicate statements and annexes to them in rubles.
• Preparation and issuance of standard certificates of accounts.
• Checkbook preparation.
• Providing information about the account balance (when pronouncing the code word).
• 50% discount on connecting to the VTB24 Business Online system.
• 4300 ₽/month.

foreign trade activities

• Russian ruble, foreign currency.
• 30 electronic transfers per month, from the 31st - 30 rubles each.
• Transfers in foreign currency to other banks, equivalent to two million rubles per month.
• 50% discount on opening a ruble account and an account in foreign currency, as well as connecting to the VTB24 Business Online system.
• 20% discount on currency control services.
• 8700 ₽/month.

All inclusive

• Russian ruble.
• 200 electronic transfers, from 201st - 21 rubles for each.
• Acceptance of cash and collection payments from client accounts - up to 500 thousand rubles, then - at standard rates.
• 50% discount on opening a ruble account and connecting to the VTB24 Business Online system.
• 12200 ₽/month.

Payment of the tariff is made once a month, advance payment for a year in advance is possible. Deferred payment is provided for a maximum of 20 days.

Refusal to open an account

Opening an account for a legal entity at VTB 24 is usually not difficult - the regulator meets halfway requirements for depositors and tries to reduce their costs. However, account opening may be refused. Usually the reason is an incomplete package of documents. To correct the situation, you just need to collect the missing papers. Other questions that arise can be resolved with bank employees on the spot.

Close current account

The procedure for closing a current account is identical to opening one - you need to submit an application to the bank. If there are no debts on the account, all money will be withdrawn from it, issued to the legal entity, and the account will be blocked and closed.