Interest rates on VTB deposits per year. VTB's contributions to
The financial institution, VTB 24 Bank, as part of its core business, has set the following minimum deposit amounts - in rubles - 15,000, in dollars or euros, the bar starts from 1,000 monetary units. If we take the terms, then in this case the following picture is observed - from 1 month to 7 years. Interest rates on VTB 24 deposits are slightly higher than those of Sberbank, but somewhat below the level of similar payments from many competitors.
The most attractive contribution to VTB 24 in 2014 from the point of view of elementary arithmetic benefit is “freedom of choice” - the rate is up to 8.8% per annum. The only but - you need to invest a rather large amount - from 5 million rubles in this bank. And for a period of one and a half years.
For all other, more modest deposits, VTB 24 has rates from 4.65% to 8% in rubles, and from 1.2% to 2.05% in foreign currency. If, for example, you give 100,000 rubles to the bank for a year, then 7.4% of the above amount is at the disposal of the depositor. A larger financial resource - 500,000 rubles for 365 days - will already make its owner happy with 7.5% of the profit. And those who wish to invest 1,000,000 rubles for 12 months will face 8% per year, or about 80,000 rubles.
VTB 24 deposits for pensioners increased by the same amount of 0.1; 0.25; 0.5; 1 %. Only for this, the client will be required to present a document confirming his status as a pensioner (regular pension certificate).
Cities where VTB 24 deposits are accepted
| Arkhangelsk | Kazan | Novosibirsk | Syktyvkar |
| Astrakhan | Kaliningrad | Omsk | Tambov |
| Blagoveshchensk | Kirov | Penza | Tula |
| Bryansk | Kostroma | Permian | Tyumen |
| Barnaul | Kaluga | Eagle | Tver |
| Volgograd | Kursk | Rostov-on-Don | Khabarovsk |
| Irkutsk | Nizhny Novgorod | Smolensk | Yakutsk |
| Yoshkar-Ola | Novgorod | Stavropol | Yaroslavl |
| Vologda | Lipetsk | Ryazan | Khanty-Mansiysk |
| Ivanovo | Murmansk | Saransk | Chita |
| Voronezh | Magadan | Samara | Cheboksary |
| Ekaterinburg | Moscow | Saint Petersburg | Chelyabinsk |
| Izhevsk | Nalchik | Saratov | Yuzhno-Sakhalinsk |
VTB 21 is one of the most popular and successful banks with state participation. First of all, it is interesting because it can offer deposit options with much better conditions than in Sberbank: there are higher interest rates, optimal conditions for remote access to funds, etc.
VTB 24 deposits issued at the bank
VTB-24 Bank is one of the leading Russian financial institutions. In 2019, VTB offers several deposit programs for its clients. The most popular of them are:
- Deposit "Maximum"
This is a profitable deposit with an interest rate of up to 8% per annum. You can open a deposit for 380 or 1080 days through any branch of VTB-24 Bank or Internet banking. This deposit does not include several options, including replenishment and partial withdrawal of funds.
Interest is calculated monthly. They can be sent to the master account for withdrawal, or left on the deposit account for subsequent capitalization. The latter option will significantly increase the profitability of the deposit, especially if the deposit amount is large enough.
The possibility of early termination of the deposit agreement is allowed. In this case, the accrued interest will be recalculated at the "Demand" rate.
The minimum deposit amount is 30 thousand rubles. Regarding the interest rate, it depends on the term of the deposit and the chosen method of claiming interest:
- 380 days - 7.06% (7.3% - capitalization);
- 1080 days - 7.2% (8% capitalization).
For consumers, the option of automatic prolongation of the deposit is available. The service is provided only 1 time.
- Profitable deposit
Deposit program, which is characterized by a high yield (with significant amounts of deposits) and a high interest rate. You can invest money both in rubles and in foreign currencies (euro, dollars).
The deposit does not provide for the possibility of replenishment and partial withdrawal of money. As a bonus for consumers, there is a chance to save part of the interest rate in case of early termination of the banking agreement. At the same time, 0.6 parts of the interest rate will be saved if the deposit has been in the bank for more than 181 days. If the term of the deposit is less than the specified indicator, the recalculation of interest is carried out at the rate "On Demand".
The deposit can be automatically extended no more than 2 times. Interest is calculated monthly. They can be withdrawn to a separate card or left for capitalization. Depending on the chosen method, in combination with the duration of the deposit, a percentage will be formed.
The minimum deposit amount is 30 thousand rubles when opening a deposit through Internet banking, 100 thousand rubles - through a bank branch. In foreign currency, the minimum deposit is 500 USD/EUR.
Interest rates on the "Favorable" deposit are as follows:
- Deposit "Replenished"
Deposit program with the possibility of making additional contributions. You can replenish the deposit during the entire period, however, 30 days before the expiration of the deposit, the contributions must be terminated.
The minimum allowable deposit amount is 15 thousand rubles or 500 dollars / euros - when opening at a bank branch. If the consumer uses Internet banking to activate the deposit program, the minimum deposit limit is 1 ruble, dollar or euro.
As with other programs, interest is calculated monthly. They can be left on the deposit account for capitalization or withdrawn to a separate account. Prolongation of the contract in automatic mode is carried out 2 times. Early termination of the contract leads to the recalculation of interest at the "On Demand" rate.
Interest deposits depend on the chosen currency, duration and method of claiming interest:
- Deposit "Comfortable"
This deposit program provides users with a full range of options, including the possibility of replenishment, partial withdrawal and capitalization. However, this deposit is characterized by the lowest interest rates among the entire VTB-24 line.
The minimum amount to open a deposit through a bank branch is 15,000 rubles (5,000 euros/dollars), through online banking - 1 ruble/euro/dollar. Account holders have the right to carry out any operations up to the amount of the “fireproof balance”
Depending on the conditions, the interest accruals on the deposit are as follows:
- Savings account deposit
One of the most popular deposit programs in the VTB-24 line. The program is divided into 2 varieties - a basic deposit and the opening of a "Multicard" with the "Savings" service.
If the consumer does not plan to issue a Multicard, the basic deposit rates for him will be as follows:
When opening a Multicard, the interest rate will be increased, as it consists of a base rate and a welcome surcharge. Also, the total amount of purchases made on the card during the month affects the rate. Taking into account all bonuses and preferential conditions, interest accruals will be as follows:
| Amount of purchases, rub. | From the 1st month,% | From the 2nd month,% | From the 3rd month,% | From the 6th month,% | From the 12th month,% |
| Up to 5 000 | 8 | 4 | 5 | 5,5 | 7 |
| 5 000 – 15 000 | 8 | 4,5 | 5,5 | 6 | 7,5 |
| 15 000 – 75 000 | 8 | 5 | 6 | 6,5 | 8 |
| Over 75,000 | 8 | 5,5 | 6,5 | 7 | 8,5 |
It should be noted that in addition to the increased interest rates, there are many additional bonuses for Multicard holders. These include cashback up to 10%, bonus programs "Collection" and "Map of the World".
Additional deposit programs VTB-24
In addition to the above deposits, VTB-24 customers can take advantage of the following programs:
- VTB Piggy Bank
This is one of the types of accumulative program provided for VTB card holders. Piggy Bank is characterized by daily accrual of interest on the balance of funds in the account.
You can issue a "Piggy Bank" both in rubles and dollars / euros. The minimum and maximum limit of the deposit is not regulated. Likewise, the duration of the program is not set.
The key advantage of the deposit is that deposits and withdrawals are carried out without restrictions and commissions. At the same time, the funds remaining on the account will bring a certain income daily.
The basic option for calculating interest rates is as follows:
- Growth Time contribution
The minimum deposit amount is 30 thousand rubles when opening a deposit through Internet banking and a VTB-24 branch. The only difference between the chosen opening method will be the formation of interest charges:
- Base growth time - 7.1% (180 days), 7.34% (380 days);
- Growth time online - 7.19% (180 days), 7.43% (380 days).
This contribution will be most beneficial for Multicard holders with the “Savings” option enabled:
VTB 24 deposits for payroll card holders
In 2019, VTB-24 offers the same deposits for payroll card holders as for other clients. Conditions for opening a deposit will be standard.
The only difference when opening a deposit between an individual and a cardholder will be that regular customers are given the opportunity to open a deposit for a period of 1 day or more.
Therefore, receiving a salary through VTB-24 in no way provides any opportunities and privileges when opening a deposit account. The only bonus that is available to them is when applying for a credit card and a mortgage loan. Requirements for regular customers will be much less.
Consider the deposits of individuals in 2014 from VTB-24. Conventionally, the deposits of this bank can be divided into two categories: "office" which can be opened only in a bank branch, and those that a depositor can open remotely. Most deposits in VTB 24 for individuals can be opened both in rubles and in foreign currency, however, there are some exceptions.
Office deposits 2014 from VTB Bank
VTB 24 - Maximum- opens only in national currency. The minimum contribution is 250 thousand rubles, interest rates are in the range from 5.60 to 7.25 percent, depending on the term of the contract (at the client's choice - from three months and, directly, up to three years). This deposit does not imply any early withdrawals or additional contributions, however, the interest is one of the highest among the entire deposit line;
VTB 24 - The best choice- one of the best deposits in 2014 for individuals, this deposit is opened exclusively in rubles. The minimum contribution is from 30,000 thousand rubles to 3,000,000 million, the interest rate is from 5% to 9%, it changes during the period of the contract (18 months; the client receives 9 percent monthly in the first six months and 5 monthly - the rest of the time). The contribution is convenient with the most comfortable conditions: it can be replenished when it is convenient, you can make expenses, you can simply capitalize the funds;
VTB 24 - Active- currency or ruble deposit offered by VTB 24 Bank in 2014 for individuals. It is distinguished by the ability to withdraw funds up to the minimum balance, as well as replenish the account at a convenient time for the client without any losses. The minimum contribution is 15 thousand rubles or 3 thousand dollars / euro. Rates in national currency - from 3.50% to 6.92 percent, validity period - from six months (minimum) to three years;
VTB 24 - Freedom of choice- differs by the widest range of bonuses, among which: the term of the contract can be chosen with an accuracy of one day within the framework of one month to five years; for pensioners and retired judges, interest on the deposit increases by 0.25%; you can choose any of three ways to receive interest - every month, every quarter or after the expiration of the deposit. The minimum contribution is 15 thousand rubles, or for a currency of 3 thousand to choose from dollars / euros, the rate is in the range from 3.40 to 7.52 percent.
Note, it is interesting to follow the dynamics and analyze how the figures given in this article differ from interest on deposits at VTB 24 in 2013.
Remote deposits in 2014 from VTB-24
Comfortable - Telebank- term deposit that the bank offers to individuals in 2014. The convenience lies in the fact that the income of the investor is proportional to the size of the minimum balance: the larger it is, the higher the percentage, respectively. You can withdraw funds without loss, as well as make additional contributions during the entire period of the agreement with VTB (the agreement is concluded for the usual period of six months at least up to three years). The minimum deposit is 50 thousand rubles, or if for the currency: 3 thousand or dollars / euros. Here, interest rates range from 5.50 to 7.58 percent;
Target - Telebank- gives the depositor the opportunity to effectively accumulate their funds: when replenishing and moving the minimum contribution to the highest sum category, interest increases at the rates set by the bank. The term of such an agreement is almost standard - from six months (at least) to three years, the minimum contribution is only 10 thousand rubles or 500 dollars / euros, interest - in the range from 5.90% to 7.83%;
Profitable - Telebank- refers to the category of non-replenishable deposits and is focused on the effective use of temporarily free funds by individuals. The minimum contribution - again, this is quite a bit - 10 thousand Russian rubles or 500 dollars / euro. The deposit contract lasts from one month to five years, the interest is in the range from 5.35 to 7.50;
Profitable - ATM- the difference from other deposits in 2014 offered by VTB-24 is that an individual can open it at any VTB ATM, with only one bank card and at any time convenient for the depositor. This deposit does not provide for the possibility of making additional contributions or spending funds before the end of the contract, but has quite attractive interest on the deposit - from 5.65 to 7.75 with a minimum deposit of only 5,000 rubles or 200 dollars / euros. The validity of the contract is from three to thirteen months.
In 2020, VTB Bank places funds from individuals in deposits in rubles and foreign currency. Residents of Moscow are offered four basic investment options:
- "Favorable"
- "refillable"
- "Comfortable",
- "Savings account".
The maximum interest rate is available for customers who have opened a savings account. It becomes available to Multicard holders with the “Savings” option after 12 months of depositing funds when making non-cash payments for purchases in the amount of more than 75 thousand rubles a month.
For owners of the Privilege service package, a line of premium deposits with increased rates is provided.
Make a deposit in VTB Bank
Deposits are processed in Moscow offices and remotely, through the Internet banking system. Opening a deposit online is carried out on more favorable terms compared to the traditional procedure. So, for ruble deposits, the minimum amount for remote registration is 30 thousand rubles, and when visiting the office - 100 thousand rubles. In addition, using the Internet banking system, customers can manage the movement of funds on accounts and deposits (replenish, withdraw, pay for purchases via the Internet).
Comparison of VTB deposits with products of other banks: are there any advantages?
In VTB, interest on deposits is slightly higher than similar indicators for Sberbank products, but at the same time they are lower than the rates offered by many other financial institutions. This is the second largest Russian bank with state participation, so it is considered extremely reliable, and investing money in it is the most secure. VTB's office network consists of more than 1,000 divisions, which ensures a wide coverage of the client audience. The reliability and availability of the bank for many citizens are more significant factors than the high profitability offered by competitors.
VTB Bank deposits for individuals, including pensioners, today have favorable rates. In 2020, they can be opened at 7.5% in rubles and 0.96% in dollars. Compare the updated interest and terms of bank deposits in Russia. An online calculator will help you calculate the return on investment.
In 2020, VTB offers its customers in Moscow, St. Petersburg and other Russian cities a whole range of profitable deposits.
Among them, almost everyone can choose the most profitable and convenient option for themselves.
For convenience, the bank divided the deposits into customer categories:
1. ;
2. .
According to the set of options, both of them can also be divided into 3 groups depending on the possibilities of money management. To choose the right one, you need to understand why you put your savings in the bank:
In the line of VTB deposits today there is also a special deposit for military pensioners - "".
As well as financial instruments with the accrual of interest on the account balance.
Basic deposits can only be made in rubles and US dollars, while premium customers can also keep their savings in francs and pounds sterling.
The return on deposits for VTB owners with the "Savings" option enabled can be even higher if you actively spend funds from the card.
It should be noted that in VTB Bank all deposits pay monthly interest. Their capitalization or payment to the account is allowed.
VTB basic deposits for individuals: interest rates and conditions
In this review, we will consider the conditions and interest rates of VTB Bank's current deposits to make it easier for you to choose the most profitable one for yourself.
Deposit calculator
Deposit "Comfortable"
This deposit for individuals allows you to replenish or withdraw money (up to a minimum balance) in a mode convenient for the client. Its profitability does not depend on the method of registration. But it is still more profitable to open it remotely.
- Firstly, when applying at a bank branch, the minimum amount will be 100,000 rubles or 3,000 dollars. And at an ATM or via the Internet, you can open a deposit for a smaller amount - from 30,000 rubles.
- Secondly, deposits opened in the office can be replenished with contributions from 15,000 rubles or 500 dollars. And deposits opened via the Internet can, if desired, be replenished even by 1 ruble or 1 dollar.
- Thirdly, the minimum amount of partial withdrawal from deposits issued at the branch will be 15,000 rubles or 500 dollars. And even 1 ruble or 1 dollar can be withdrawn from an open deposit remotely.
Advantages and disadvantages
Possibility of replenishment and partial withdrawal of money without loss of interest.
Low interest rate.
Conditions
- Term: from 6 months to 5 years;
- Amount: from 30,000 ₽ / 3,000 $;
- Replenishment: yes;
- Partial withdrawal: yes;
- Capitalization: yes;
Interest rates in rubles
|
Term, months |
Interest rate |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
3,90 / 3,93% |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Show
Interest rates in dollars(nominal / with interest capitalization)
Compare VTB rates with the interest rates offered today VTB deposit "Replenished" This deposit is interesting because it can be replenished. If you make a deposit at a bank branch, you can make additional contributions in the amount of at least 15,000 rubles or 500 dollars. For deposits made remotely, the minimum deposit amount is 1 ruble or 1 dollar. But you cannot withdraw money before the end of the term of the deposit agreement. Otherwise, you can lose all accrued interest. When registering at a bank branch, the minimum deposit amount will be 100,000 rubles or 3,000 dollars. And at an ATM or via the Internet, you can open a deposit for a smaller amount - from 30,000 rubles. Interest is calculated monthly. They can be capitalized or withdrawn. Advantages and disadvantages It is possible to replenish the account. No partial withdrawals without loss of interest. Conditions
Interest rates in rubles(nominal / with interest capitalization)
Increased interest for VTB Multicard holders with the "Savings" option Show If you make purchases using VTB Multicard, then the interest rate will be increased depending on the amount of your spending on the card.
Interest rates in dollars(nominal / with interest capitalization)
VTB deposit "Favorable" This deposit allows you to get a high income, but you will not be able to freely manage the money in the account. Additional contributions and debit transactions are not provided for by its terms. But there are benefits for early withdrawal of the entire amount:
When opening at a bank branch, the minimum deposit amount will be 100,000 rubles or 3,000 dollars. And at an ATM or via the Internet, you can invest a smaller amount - from 30,000 rubles. Interest accrued monthly can be capitalized or withdrawn. Advantages and disadvantages High interest rate. There is no replenishment of the account and partial withdrawal of money without loss of interest. Conditions
Interest rates in rubles(nominal / with interest capitalization)
Increasing interest for VTB Multicard holders with the "Savings" option Show If you make purchases using VTB Multicard, then the interest rate will be increased depending on the amount of your spending on the card.
Interest rates in dollars(nominal / with interest capitalization)
VTB Vremya Growth Seasonal Deposit Advantages and disadvantages Increased interest rate. No deposits and partial withdrawals without loss of profitability. Conditions
Interest rates when opening online(nominal / with interest capitalization) Interest rates when opening in a branchShow
See deposit rates VTB Pension deposit Advantages and disadvantages Increased interest rate. Only available to military retirees. Conditions
Interest rates(nominal / with interest capitalization)
See also interest on deposits: Premium products of the Privilege lineThese are deposits for customers with the Privilege package. They have increased profitability, but the amount of investment must also be large. VTB contribution "Comfortable Privilege"Conditions
Interest ratesVTB contribution "Refillable Privilege"Premium deposit with increased interest rates for individuals with the Privilege package. You can open a deposit in rubles, US dollars, as well as in pounds sterling and Swiss francs. Conditions
Interest ratesVTB contribution "A Profitable Privilege"Premium deposit with increased interest rates for individuals with the Privilege package. You can open a deposit in rubles, US dollars, as well as in pounds sterling and Swiss francs. Conditions
Interest ratesContribution "Growth time" for "Privileges" clientsThis is a profitable investment with maximum profitability when investing money for a fixed period. You can apply for it at any branch of the bank, as well as via the Internet. Conditions
Interest rates(nominal / with interest capitalization) See also interest rates on deposits How to open VTB deposits
How to replenish the depositVTB deposits for individuals can be replenished both at the bank office and online.
VTB deposits are automatically extended (auto-prolongation), but no more than 2 times. In this case, the deposit is reissued for a similar period at the rates in force on the date of prolongation. FAQ? Can I open multiple deposits at once? Yes. The client can make any number of deposits. ?
What is interest capitalization? ?
What is an irreducible balance? ? Are investment income taxable? By law, income received by an individual in the form of interest on a bank deposit is subject to taxation if the rate exceeds: The refinancing rate of the Central Bank of the Russian Federation by 5 percentage points (on deposits in rubles); But today there is no such interest on deposits in VTB. So residents of the Russian Federation do not have to pay tax on income on VTB deposits. ? Are VTB deposits for individuals insured? Yes. All VTB deposits are insured in accordance with Federal Law No. 177-FZ dated December 23, 2003 "On Insurance of Individuals' Deposits in Banks of the Russian Federation". Conclusions: what is the most profitable contribution of VTB todayIt is not difficult to choose the most profitable deposit in VTB Bank. To do this, we calculate how much income in rubles can be obtained if each of them is issued with the same amount for the same period. Let's say that you decide to invest 1 million rubles for 1 year. How much will you earn, taking into account interest capitalization? Using the deposit calculator, which is located on the official website of VTB Bank, we obtain the following data. Profitability of VTB deposits with an amount of 1 million rubles and a period of 1 year*. *) Since the “Growth Time” deposit is issued not for 365, but for 380 days, then, for the purity of the experiment, other deposits are calculated with the same period. The result is obvious. The most profitable of VTB's basic deposits for individuals today is "Growth Time". But other deposits have their advantages. By issuing "Favorable" you can get a high percentage both for a period of 3 months and 5 years. Business and Finance 2023 emny.ru |
This is a profitable seasonal deposit of VTB Bank, the interest rates of which change from time to time. Under these conditions, it can be issued 
This is a special offer with a higher interest rate, designed exclusively for military retirees. Opens only in rubles in any of the bank branches. For registration, you will need an identity document and a pension certificate of a military pensioner.