Would you like to apply for a credit card at Leto Bank online? We suggest that you first study the terms of lending and services offered by this company, and then decide whether you want to get a card or not.

general information

More recently, Leto-bank was very popular in Russia, a huge number of individuals used its products. They bribed favorable conditions and transparent tariffs, as well as a small number of requirements for the borrower.

It was possible to get a credit card with a minimum of documents, even without proof of income, which, judging by the feedback from our readers, attracted many. However, starting from 2016, this banking organization began to experience difficulties associated precisely with a rather risky credit policy.

We remind our readers that, starting from 2016, Leto-bank does not exist; Post Bank was created on its basis. All existing customers have switched to servicing this company, and if you are applying here for the first time, then you need offices of the Bank's Post.

What credit cards are available at the former Leto Bank?

I offer 5 options for a credit card, which can be obtained on completely different conditions. Next, we will analyze in detail the features and benefits of each of these offers:

• "Postal Express"

It has a credit limit of up to 15,000 and no interest for up to 60 days. Annual service is free, but for issuing a card you will need to pay 300, 400 or 500, depending on the tariff you choose.

This option is suitable for those who do not need a large amount, and the restriction is necessary only for everyday expenses. The interest rate is not set, however, if you do not fit into the grace period, then you will be charged a monthly fee of 300, 400 or 500 rubles according to your tariff.

In addition to this, it is necessary to make a monthly minimum payment - 10% of the debt, the minimum is 300 rubles, 1000 or 1500. A commission of 300 rubles is charged for withdrawing cash from the card, no more than 5000 rubles can be withdrawn at a time, per month - not more than 30 thousand

• "Pyaterochka"

This version of the card has a credit limit of up to 500 thousand, as well as a grace period without interest of up to 60 days. Annual maintenance from 900 to 1,800 rubles, depending on the tariff you choose.

The interest rate varies from 22.9% to 31.9% per annum. The minimum monthly payment is 5% of the debt amount + accrued interest. SMS service is free for the first 2 months, then - 59 rubles a month, delivery of the card by Russian Post will cost 100 rubles.

What is the advantage? This product is ideal for those who often shop at Pyaterochka. Owners are automatically connected to the “Rescue Card” bonus program, thanks to which points will be awarded for each purchase, and they can be paid at a discount.

• "Green World"

There is an increased credit limit from 20 thousand to 1.500 million rubles. The interest rate for non-cash transactions starts from 19.9% ​​per annum, and for cash withdrawals - 29.9% per annum.

The grace period lasts up to 60 days, the minimum payment will be 5% of the principal amount + accrued interest monthly. No fee is charged for the issue, the service will cost 900 rubles. For cash withdrawals, there is a commission of 3.9% of the amount, at least 300 rubles. You can withdraw up to 300,000 per day.

What is the advantage? By making purchases with this credit card, you participate in charity. For every 3,000 rubles you spend, the bank allocates money from its own funds for planting trees to restore forests in Russia.

• "Element 120"

Here you will be able to offer an affordable limit in the amount of 10 thousand to 1,500 thousand and a percentage of 22.9% per year. There is a long interest-free period of up to 120 days, while the minimum installment must be paid monthly - 5% of the debt amount, plus accrued%.

The cost of maintenance is 900 rubles per year, a commission of 5.9% is taken for cash withdrawals, a minimum of 300 rubles. The limit on the issuance of funds is 100 thousand daily.

For clients who experience delays in the payment of wages, the service "Change the date of payment" is provided. It can be used when making a commission in the amount of 300 rubles.

• Credit with Cashback

A new offer, which became available to the company's customers only recently. There is an increased limit of up to 1.5 million rubles, a low rate from 22.9% to up to 31.9% per year, an interest-free period lasts up to 60 days, the service will be 900 rubles. annually.

The peculiarity of this offer is that for your purchases you will not receive virtual points, but a very real return of part of the money spent. is from 1% to 5% of the cost of non-cash debit transactions, the amount depends on the category you have chosen and the amount spent.

Interest-free credit card Leto Bank (VTB Group), positioned under the slogan "How much you took - so much and gave away", offers us an unprecedented interest rate of 0% per annum on any card transactions (including cash withdrawals) for an interest-free period 24 months (!). It is clear that the Summer Card is not a free gift for everyone who wants to issue it, and it has its own pitfalls, which we will analyze in the review.

Meet the unnamed Visa Classic, issued by the Leto-card, is an excellent financial assistant for a poor person (salary no more than 15-20 thousand rubles), who borrows exclusively up to the salary. This is a direct competitor to microcredit with crazy interest, but it requires a careful study of the conditions and rates in order to become a free credit card.

Leto-card Leto Bank

	Credit limit max.	Bid min.	Grace period	Annual maintenance	Design
	15000	0	60	0		rubles	%	days	rub.

Lending terms		Card service		Owner Requirements
Maximum credit limit	15000 rub.	Issue fee	300 rub. (Free by promotion until the end of 2014)	Age	from 21 to 65 years (men), from 18 to 70 (women)
Interest rate	0%	Annual maintenance	0 rub.	Documentation	according to 2 documents
Grace period	up to 60 days	SMS informing	0 rub.	Bonuses
Minimum payment	10% of the red limit	Validity	3 years	Loyalty program	Privileges and additional bonuses
Grace period for cash withdrawal	Yes	Withdrawing cash from an ATM using a loan own / someone else's	300 rub. / 300 rub.	Interest on the client's balance	No
Delivery options: mail / courier	No no	Use of own funds	Maybe	Cashback (refund)	No
Advantages	No requirements for permanent registration in the region of the bank's presence, no minimum experience and income requirements, free SMS informing, the ability to reduce the card maintenance to zero (paying off the debt for the previous billing month)
Flaws	Small available credit limit, significant commission every month if there is a debt for the previous billing period on the payment date

Leto-card Leto Bank

Credit limit max.:

Rate min.:

Grace period:

Annual maintenance:

A credit card with a zero interest rate from Leto Bank, but with a monthly commission (if there is no debt, there is no monthly commission) Map overview

Commission every month: 300 rubles. - not repaid the debt on the date of payment; 0 rub. - redeemed

Lending terms

Maximum credit limit

Interest rate

Grace period

up to 60 days

Minimum payment

10% of the red limit

Grace period for cash withdrawal

Delivery options: post / courier

Card service

Issue fee

300 rub. (Free by promotion until the end of 2014)

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM at the expense of your own / someone else's loan

300 rub./300 rub.

Use of own funds

Maybe

Owner Requirements

from 21 to 65 years (men), from 18 to 70 (women)

Documentation

according to 2 documents

Loyalty program

Privileges and additional bonuses

Interest on the client's balance

Cashback (refund)

No requirements for permanent registration in the region of the bank's presence, no minimum experience and income requirements, free SMS informing, the ability to reduce the card maintenance to zero (paying off the debt for the previous billing month)

Small available credit limit, significant commission every month if there is a debt for the previous billing period on the payment date

More about tariffs and conditions

Benefits and pitfalls

Plastic can be called free only with a lot of conditions. Issuing a card costs 300 rubles (although there is often a promotion for free registration at sales counters and partner outlets).

From the moment of purchase, an interest-free period (24 months) begins to operate, i.e. formally, the bank does not take money from the client for using the loan (the rate is 0%). Only in this case, a monthly commission of 300 rubles (!) is taken, provided that at the time of the payment date (end of the payment period) Will not the debt for the previous settlement (reporting) period is fully repaid. Pay attention to the magic number 300 - we will meet it often.

Thus, if you do not want to pay every month, then pay off the entire debt for the previous billing period.

This is a major pitfall of the Summer Card. Indeed, in essence, it is no different from the classical one: the same reporting and payment periods, which in total give a grace period (more). Only the grace period here is “no commission”, not “no interest”. It is equal to 2 months (60 days), which means that after the billing month you have 30 days to pay off the debt accumulated over this period, then the commission will be zero!

So, we will supplement the slogan so that it corresponds to reality: “How much I took for the billing period - I gave so much for the payment period.” The settlement period starts from the day the card is activated and lasts 30 calendar days, and the payment period follows the settlement period and also lasts 30 days. That's all science.

When and how much to pay, you will learn from the letter sent to you by e-mail and from the SMS message. SMS-informing is free - let's write it down as a plus. But there is no Internet banking, which makes it difficult to control expenses. The mini-statement is already paid, so you will have to manage with information from SMS or ask for an account statement at bank branches (but so far there are not so many of them in the regions - inconvenient) - it's free.

You can store your own funds on the card and withdraw them without commission at ATMs of a bank or banks of the VTB group, but at other people's ATMs, the commission is 300 rubles (plus the dues of another bank). For withdrawing funds on account of a loan, they will also withhold 300 rubles, I am glad that there is a grace period for this operation, so you can safely withdraw money before salary. Limits on cash withdrawal operations are low (up to 15,000 rubles per day and no more than 30,000 rubles per month), but with such small ones they are sufficient (5, 10 or 15 thousand rubles, depending on the bank’s assessment of your solvency - income, cleanliness and other factors).

For non-cash transfers - also 300 rubles (everywhere 300 - just some kind of magic). So this plastic is not suitable for paying fines and utilities (do not forget that purchases with a card, including on the Internet, are commission-free).

If you take a loan for a long period

If it is not possible to repay the loan within the grace period, then do not forget to pay a monthly payment of 10% of the amount of the credit limit (not from the debt!). Failure to pay the payment on time is punishable by a fine - 20% per annum on the balance of the debt.

The more months you pay off the loan, the more interest you will pay for it! Strange? Judge for yourself, over time, your debt will decrease, and the commission is 300 rubles. every month, as it was, and will remain. And this is with a depressingly small credit limit.

Conclusion: Long-term borrowing from Leto Bank on this credit card is expensive, but still cheaper than a microcredit. The information from the site about the conditions for the card provides the following range of values ​​for the cost of a full loan: 26.43 - 94.98 percent per annum. This is above the average for the card market.

Conditions for obtaining a Summer Card

The bank positions itself in the segment of poor people, therefore the requirements for the client are loyal: citizenship of the Russian Federation with permanent registration in any region of the Russian Federation; age of the borrower: from 21 to 65 years (men), from 18 to 70 (women).

There must be a cell phone, a work phone (if there is work) and another contact phone (one of the phones must be a landline). You must have your own email address.

There are no income requirements. The ease of obtaining plastic is confirmed by reviews on the Internet. For registration, it is enough to present a passport and a second document of your choice. The choice of documents is large, you can see it on the bank's website (foreign passport, driver's license, etc.). It is curious that an ordinary bank card of another bank with an unexpired validity period (nominal!) is suitable as a second document.

The application is considered within 1 business day, and when considering an online application, it will take 5 minutes (and 15 minutes to fill out the questionnaire).

Usage

The debt is red in payment, and it can be repaid without interest only at Leto-bank ATMs and with numerous partners with a commission (Kiwi, Eleksnet, Rapida, etc.). Of the additional amenities of the service "Regular auto-repayment of the loan" or "One-time loan repayment" from the card of any bank (paid services with the personal presence of the client upon connection, 29 rubles). There is an interesting service for changing the payment date (190 rubles). Reissue will cost 100 rubles.

When paying online, 3-D Secure technology is supported. The presence on board also indicates an increased level of security, unlike a magnetic stripe card. If you pay in other currencies, then the conversion is without additional commissions at the exchange rate of the Central Bank.

Surely each of us at least once in our lives had to think about getting a credit card for ourselves. After all, this is the most convenient spare wallet that allows you to always haveadditional funds for consumer needs. Also, use credit cards.you can without overpayments, if you carefully monitor the grace period. One ofpopular commercial bank is Leto Bank, which offers several
options for plastic credit cards. Let us consider in more detail the conditions of the Leto Bank credit card, the pros and cons, as well as the methods of registration via the Internet.

Choice of credit card

To begin with, it is worth noting that recently Leto Bank, which belonged to the largest Russian financial group VTB, was renamed Post Bank. That is, this financial institution was created jointly with the VTB Group and the Russian Post.

Now consider which credit cards the bank offers to issue today:

1. "Element 120", a feature of this credit card is that the grace period reaches 4 months, however, for each month you will have to pay 5% of the amount of expenses on the card, but during the first four months no interest is charged on the loan. the maximum loan amount is up to half a million rubles, the interest rate is 27.9%.
2. The "Post Express" card has a feature that the interest rate is 0% for purchases and cash withdrawals, the limit can be 5000,10000 or 15000 rubles for the issue of this product, a fee of 300, 500 and 600 rubles is charged, respectively, and the monthly payment is 500, 1000 or 1500 rubles per month.
3. Green World card with a limit of 20,000 to 500,000 rubles, an interest rate of 19.9% ​​per year. This card allows you to take part in a charity event, that is, you pay with a card for purchases, and for every 30,000 rubles spent, one tree is planted.

Please note that the grace period applies only to payment for goods and services, if receiving funds through an ATM, you will have to pay a commission of 300 rubles and interest is accrued from the next day.

Filing an application

If you want to apply online for a Leto Bank credit card, then you need to first go to the website of this bank, then choose one of the three products listed above. Then click on the fill out application button. You will be presented with a 5 page questionnaire. What you need to specify in the application:

• your personal data: last name, first name, patronymic and contact information;
• you need to specify the data of your passport and SNILS;
• further, you need to indicate the place and length of service, according to the conditions, the card is issued without providing a salary certificate, but the bank can check the contact details of your employer;
• in conclusion, you need to answer a few simple questions, for example, do you have a car, a card from another bank, or other property, this is necessary so that the lender is convinced of the financial viability of the potential borrower.

Please note that you will receive a decision on issuing a credit card in a few minutes after filling out the questionnaire. In some cases, the answer may come within a few days.

Online application for a credit card

Advantages and disadvantages

Undoubtedly, the Leto Bank credit card is a rather advantageous offer. Firstly, you can get your plastic within one day, because for this you just need to apply for a Leto Bank credit card online, then wait a few minutes until the bank makes a decision. After, you must come to the sales office in order to sign the agreement and collect your plastic. Secondly, any citizen of the Russian Federation over 18 years old with at least 3 months of work experience in the last place can become the owner of plastic, despite the fact that in other banks credit cards are issued only from the age of 21.

Now let's look at a few drawbacks. Firstly, the issue of each card is paid, and the funds are debited from the card account, and interest is charged for this operation from the next day. Secondly, It is worth noting that this bank has a rather low percentage of approval of applications, about 50%.

Thus, credit cards from Leto Bank have a lot of advantages, as well as disadvantages. In any case, you can get a decision on its issuance and a credit limit in a short time for this, you don’t need to go anywhere, because the entire registration process is carried out remotely on the official website of financial institutions.

A convenient solution to financial problems is to obtain borrowed funds from a bank. One of the tools for such lending is a plastic card, the so-called credit card. Today, almost every financial institution offers such a banking product to consumers. The Leto Bank credit card is in particular demand, the terms of which compare favorably with other similar offers.

What are the features

It is no secret that the credit card itself opens up great opportunities for the user and is relatively comfortable to use. Everyone who has ever used such a service knows that the funds on the card account are, as they say, in sleep mode. This means that no interest is accrued on the funds available to the user until he uses them.

The principle of operation of most banks is such that the borrower is obliged to pay a commission to the bank for the use of the funds provided, which in some cases can be quite significant. At the same time, it is necessary to repay the borrowed funds before a strictly established date.

How to get a card

In order to become the owner of a Leto Bank credit card, you must meet certain requirements:

1. Age for men 21-65 years, for women 18-70.
2. The presence of a permanent residence permit in the Russian Federation.
3. The presence of a second document that can serve as proof of the identity of the borrower.
4. Providing two phone numbers, one of which must be a landline.
5. Availability of email.

The bank does not put forward any criteria for the amount of income. As a second identity document, a passport, a driver's license, and even a personalized plastic card from another bank with a valid period are quite suitable. It takes about one day to process your request.

Varieties of cards

It is important to note that the credit on the Leto Bank plastic card has a limited limit - 5, 10, 15 thousand rubles. This product is designed for the middle class of the population, which needs funds to simply reach, as they say, up to the salary or urgently buy something not too expensive.

"Summer card"

The bank's credo sounds like "You give as much as you take." At the same time, it is important to remember that even with a zero rate on a loan, you will have to make a certain contribution in the amount of 300 rubles at the very beginning - for issuing a card.

The main conditions for this type of card can be described as follows:

• limit - 15 thousand rubles;
• period without interest - 60 days;
• instant clearance;
• 0% per annum.

Its main feature is the absence of a commission for the use of funds, provided that the money is returned to the card account in a timely manner. If you still fail to meet the deadline, the commission will be 300-500 rubles based on the credit limit.

In addition to the commission, there is also a minimum monthly payment for debt repayment in the amount of 10% of the loan amount. Another important point is that the user can pay for purchases without a special commission, but withdrawing money from an ATM, his own or someone else's, will already cost the same 300 rubles.

Element card

Those who wish can apply for a credit card "Leto Bank" "Element". It is suitable for those who are counting on a larger loan amount, for example, 100 thousand rubles. The terms of the card are:

• limit 20-300 thousand rubles;
• commission-free period - 2 months;
• 19.9% ​​rate on payment for purchases;
• 39.9% - for cashing out.

This option is a great way to raise funds for a larger purchase, while, of course, providing for a more substantial payment to the bank itself in the form of a commission.

How to issue a card

Leto Bank is one of the youngest projects of VTB Bank in Russia. At the same time, the mechanism for applying for a loan is extremely simple. To do this, you need to select the product you are interested in and fill out a questionnaire on the bank's website. The bank will require the following information:

1. The name on the map.
2. SNILS.
3. Email address.
4. Telephone.

You must confirm your consent to the processing of personal data. After the verification, the system will give you approval or refusal to issue a loan. If the verdict is positive, you need to come to the specified bank branch and get your plastic payment instrument.

Thus, the process of obtaining a Leto Bank credit card takes from 5 to 15 minutes. If the method of electronic filing of the application does not suit you, you can apply personally to any branch of the bank.

To control the movement of funds on your card, you can use the SMS notification service. In this case, messages will be sent to your phone after each transaction with your funds.

In addition, you can get an account statement by calling the hotline number indicated on the company's website. In this case, the operator, after identifying your identity, will be able to provide you with information of the following order:

• current card status;
• balance;
• date of the next payment;
• list of ongoing operations.

Checking this information periodically will help you prevent late payments while making card usage as predictable and comfortable as possible.

Leto Bank spoke about its credit card: Video

A credit card from Leto-bank is called a Leto-card and it is needed mainly for small daily purchases. The bank in the description of its miracle card indicated zeros almost everywhere, that is, 0 rubles for its maintenance, 0% for a loan and 0% for depositing money on the card, but we will try to figure out whether the card is really free.

The card can actually be very cheap if used wisely. Most banks, when advertising their card, talk about six-figure credit limits up to 500,000 rubles, but in reality, many borrowers receive much less, the amount can be 25,000 rubles. Leto Bank is much more honest about the limit, immediately after processing the application, it announces a credit limit of 5, 10 or 15 thousand rubles. The card can be issued by the bank upon presentation of two documents.

At first, such a small limit can be negative, but if you think about it, then for small grocery purchases we will probably take about the same amount, and with such a small limit, we will avoid credit bondage. In other words, Leto-Bank came up with an alternative to microloans so that you can use a card with money if necessary, and at the end of the month, for example, when receiving a salary, pay off the debt.

The grace period on average for cards is 50-55 days, and for Leto-card 60 days, but even after its completion, interest will not be charged, however, in this case, you will have to pay for servicing the card from 300 to 600 rubles per month (depending on the limit ). For example, Home Credit also provides a card for free, and in the event of an outstanding debt, it charges a commission for servicing it, but it also charges interest on using credit money.

A good example: If you have used up a limit of 15,000 rubles and are going to repay it with minimum payments - 1,000 rubles a month, then it turns out that you have an outstanding debt, which means that the bank will charge a commission of 500 rubles. Accordingly, you will have 500 rubles, it goes to pay off the debt, and the remaining 500 rubles to pay a commission, which means that in order to pay off the entire debt at such a pace, it will take 30 months and 15 thousand rubles paid in the form of a commission.

However, this is not the best option for using the card, as we said earlier, it is needed for small expenses that you will have time to pay off before the grace period expires.

When withdrawing funds, the grace period continues to operate, but 300 rubles are charged as a commission, moreover, from each withdrawal operation, and this indicates that the card is intended for non-cash payment.
There is another commission, also from 300 to 600 rubles for issuing a card, which is paid every year in which you used the card at least once.

In conclusion, we can say that the Leto-card is by no means free, as the bank presents it, but if you plan to pay off the debt that has arisen on time, then you will only have to pay for the issue. But even if you suddenly do not have time to repay the debt, then the commissions charged will not be much higher than the average market interest rates. However, if you compare the Summer card with, then it is much more profitable.

Credit card Leto Bank online application (issue discontinued)