Term, months

Interest rate

3,90 / 3,93%

Show

The maximum interest on the "Comfortable" deposit, taking into account the premium, is today 5.43% per annum. It can be obtained if you make a deposit for a period of 6-13 months. and spend more than 75 thousand rubles a month from Multicards.

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 They can be capitalized or withdrawn.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

• Term: from 3 months. up to 5 years;
• Amount: from 30,000 ₽ / 3,000 $;
• Replenishment: yes;
• Additional contributions: from 15,000 ₽ / 500 $;
• Expenditure operations: no;
• Capitalization: yes;
• Interest accrual: monthly;
• Early termination: at a rate of 0.01%.

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.

How to get maximum income

The maximum interest on the "Replenished" deposit, taking into account the premium, is today 5.79% per annum. It can be obtained if you make a deposit for a period of 6-13 months and spend more than 75 thousand rubles a month from Multicard.

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:

• If the money was in the bank for less than 181 days, then interest is charged at the “on demand” rate, that is, 0.01%.
• And if the funds were in the bank for 181 or more days, then interest is paid at a special rate. It is equal to 0.60 of the interest rate set when making a deposit.

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 account replenishment and partial withdrawal of money without loss of interest.

Conditions

• Term: from 3 months. up to 5 years;
• Amount: from 30,000 ₽ / 3,000 $;
• Replenishment: no ;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;

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.

How to get maximum income

The maximum interest on the Profitable deposit, taking into account the premium, is today 6.20% per annum. It can be obtained if you make a deposit for a period of 18-24 months and spend more than 75 thousand rubles a month from Multicard.

Interest rates in dollars

(nominal / with interest capitalization)

VTB Vremya Growth Seasonal Deposit

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 until March 31, 2020. You can do this at any branch of the bank, as well as via the Internet.

Advantages and disadvantages

Increased interest rate.

No deposits and partial withdrawals without loss of profitability.

Conditions

• Term: 180, 380 days;
• Amount: from 30,000 rubles;
• Replenishment: no ;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;
• Early dissolution: at a rate of 0.01% per annum.

Interest rates when opening online

(nominal / with interest capitalization)

Interest rates when opening in a branch

Show

How to get maximum income

The maximum interest on the Time of Growth deposit, taking into account the premium, is today 7.25% per annum. It can be obtained if you make a deposit Online for a period of 180 days. and spend more than 75 thousand rubles a month from Multicards.

See deposit rates

VTB Pension deposit

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.

Advantages and disadvantages

Increased interest rate.

Only available to military retirees.

Conditions

• Term: 180, 380 days;
• Amount: from 30,000 rubles;
• Replenishment: no ;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;

Interest rates

(nominal / with interest capitalization)

How to get maximum income

The maximum interest on the "Pension" deposit, taking into account the allowance, is today 7.30% per annum. It can be obtained if you make a deposit for a period of 180 days. and spend more than 75 thousand rubles a month from Multicards.

See also interest on deposits:

Premium products of the Privilege line

These 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

• Term: from 6 months to 5 years;
• Replenishment: yes;
• Partial withdrawal: yes;
• Capitalization: yes;
• Interest accrual: monthly;
• Early termination: at a rate of 0.01%.

Interest rates

VTB 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

• Term: from 6 months. up to 5 years;
• Amount: from 700,000 ₽ / 20,000 $, ₣, £;
• Replenishment: yes;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;
• Early termination: at a rate of 0.01%.

Interest rates

VTB 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

• Term: from 6 months to 5 years;
• Amount: from 700,000 ₽ / 20,000 $, ₣, £;
• Replenishment: no ;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;
• Early termination: preferential.

Interest rates

Contribution "Growth time" for "Privileges" clients

This 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

• Term: 180, 380 days;
• Amount: from 30,000 rubles;
• Replenishment: no ;
• Partial withdrawal: no ;
• Capitalization: yes;
• Interest accrual: monthly;
• Early termination: at a rate of 0.01% per annum.

Interest rates

(nominal / with interest capitalization)

See also interest rates on deposits

How to open VTB deposits

1. In the office. You can make a deposit for individuals at any branch of the bank. To do this, you will need to have an identity document with you.
2. Online. Those who are already clients of VTB Bank can open a deposit through the VTB-Online Internet Bank. After making a deposit via the Internet, you can get an agreement at any branch of VTB Bank upon presentation of an identity document.
3. At an ATM. To do this, it is enough to have a bank card and follow the instructions on the monitor. Deposits through an ATM are opened at the same rates as in the Internet bank VTB-Online. We must remember that in this case it will be possible to invest only rubles. The ATM will not take dollars.

How to replenish the deposit

VTB deposits for individuals can be replenished both at the bank office and online.

• In the department. You can replenish your account at the bank branches in the region where it was issued. For example, if a deposit was opened in Moscow or the Moscow region, then it can also be replenished at any bank office in Moscow and the Moscow region. To do this, you need to contact a bank employee, specify the account details and deposit the required amount.
• remotely. You can replenish the deposit in the VTB-Online system using a VTB bank card. First, you can put money on the card, for example, through an ATM, and then transfer it to a deposit in the Internet bank.

Members of the Collection program can receive additional bonuses when opening a deposit through VTB-Online, as well as when replenishing an account or renewing an agreement. Bonuses are also credited if the client has previously had a deposit in this bank. The catalog of gifts for which accumulated bonuses can be exchanged is located on the bonus.vtb.ru website in the "Bonuses from VTB" section.

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?
This is a monthly addition of accrued interest to the deposit amount. As a result, in subsequent periods, interest is accrued both on the deposit and on this interest, and the deposit grows faster. The rate on a deposit with capitalization is higher than without capitalization.

? What is an irreducible balance?
This is the minimum amount that must be kept in your account during the term of the deposit.

? 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);
9% per annum (on deposits in foreign currency).

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 today

It 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.

What is the most important thing for a depositor when choosing a bank to place funds? Firstly, high profitability, since inflation devalues ​​savings, the deposit rate must cover the rise in prices. Also important is the ability to manage your deposit - replenish, withdraw money from it. Ease of service, a wide branch network, the availability of remote service channels - all this plays an important role when choosing a bank to open a deposit. Well, the reliability of the credit institution should not be in doubt. For all these parameters, VTB 24 is suitable, the conditions for deposits of which we will consider in more detail.

VTB 24 Bank is one of the leaders in the Russian bank deposit market. As of February 2014, the total volume of deposits of individuals amounted to 1.356 trillion rubles, this is the second indicator of attracted funds from the population in Russia, this indicator is higher only for Sberbank. Work with the population is one of the priorities of VTB 24. A wide range of deposits, among which there are offers for various categories of clients, proves this once again. There are both short term and long term deposits. Both in national and foreign currencies. There are special deposits for payroll card holders and special offers for pensioners. Some deposits can be opened remotely, some - in the bank office. And a credit card for VTB 24 depositors can be issued on preferential terms.

The most profitable investment in VTB 24 — "Double" with a rate of 9.5% in rubles when placing funds from 3.5 million rubles for a period of 181 days. When placing an amount from 350 thousand rubles, the yield is 9%, from 700 thousand rubles - 9.15%, from 2 million rubles - 9.25%. There are conditions: the amount of the deposit must be equal to the amount of the contribution under the investment life insurance agreement (under the Alliance Prime, Investor, Wealth Management + programs), and the deposit is made on the day of registration and payment of the investment insurance agreement. That is, the client receives a deposit plus insurance. Interest payment - at the end of the term, withdrawal and replenishment of funds are not provided. Early termination - at the demand rate.

More freedom provides input "Optimal Choice". The client himself can choose the method (with capitalization or not) and the frequency of interest payments (monthly, quarterly, at the end of the term). The deposit provides for the possibility of replenishment (the minimum amount is 1 thousand rubles) and partial withdrawal of funds (from capitalized interest, up to the minimum limit of the sum range). The interest rate decreases during the term of the deposit, from 9% - when placing funds from 30 thousand rubles for a period of 1-180 days, to 5% - when placing funds from 30 thousand rubles for a period of 181-545 days. Early withdrawal of funds - on preferential terms. If funds are in the deposit for 181 days or less, interest is calculated at the “on demand” rate, more than 181 days - 0.6 interest rate. For pensioners - an increase in the rate by 0.25%.

Minimum amount to open - 5 thousand rubles / 200 US dollars / 200 euros - provided for by the deposit "Profitable ATM". It is opened through a VTB 24 ATM. The term for placing funds is 395 days. The rates are 7.75% per annum in rubles, 1.1% per annum in dollars and 1.1% per annum in euros. When placed for a shorter period (91 days; 181 days), the rate will be lower (5.65% per annum in rubles, 0.55% per annum in dollars and euros; 6.75% per annum in rubles, 0.7% per annum in dollars and in euros). Interest payment - at the end of the term. Partial withdrawal of funds and replenishment of the deposit are not provided. Early termination - at the demand rate.

The most "accurate" contribution — "Profitable-telebank" allows you to select the period of placement of funds accurate to the day (from 31 days to 1830 days). The maximum rate on it is 7.5% in rubles (2.15% in dollars, 1.55% in euros). Such a yield is provided for placements of at least 1 million rubles (100 thousand dollars / euros) for a period of 1102-1830 days, with smaller amounts / terms, the rate will be lower. The deposit is formed remotely, through the Telebank system, interest is paid at the end of the term. The term of the deposit is from 1 month to 5 years, the minimum amount is 10,000 rubles (500 USD/EUR). Partial withdrawal of funds and replenishment of the deposit are not provided. Early termination - at the demand rate.

Present provided for the contribution "Maximum". When making a deposit, it is possible to issue a debit card without an annual service fee for the entire term of the deposit: for any deposit amount for any period - Visa Classic Unembossed; from 400 thousand rubles, 13 thousand dollars or 10 thousand euros for a period of 12 months - Visa Gold / MasterCard Gold. The rate is 7.25% per annum in rubles when placing an amount of 700 thousand rubles for 1100 days. Interest payment - at the end of the term. Partial withdrawal of funds and replenishment of the deposit are not provided. Early termination - at the demand rate.

For payroll card holders VTB24 provides a contribution "Special". According to it, you will receive up to 7% per annum in rubles with an investment of 3.5 million rubles for a period of 732-1101 days. For other periods and amounts, the rate will be lower - from 3.6% to 6.85% per annum in rubles. It is possible to replenish the account - the minimum amount of replenishment is 1 thousand rubles. Partial withdrawal is not provided. Early demand for money - on preferential terms. If the funds are in the deposit for 181 days or less, interest is calculated at the demand rate, more than 181 days - in the amount of 0.7 interest rate applicable to the deposit at the time of opening.

Can be opened via the Internet contribution "Comfortable-telebank". Rates - up to 6.85% per annum in rubles, 1.8% per annum in dollars and 1.2% per annum in euros - when placing an amount of 10 million rubles (400 thousand dollars or 300 thousand euros). The depositor has the opportunity to carry out banking operations with a deposit without going to the office directly in the Telebank system: open a deposit, withdraw part of the funds without losing interest, manage their funds. Interest payment - monthly, interest capitalization is possible. Partial withdrawals and deposits are possible. Early termination - at the demand rate.

The possibility of remote opening (through the Telebank system) is also provided for the Target Telebank deposit. Rates - up to 6.75% per annum in rubles, 1.8% per annum in dollars and 1.2% per annum in euros - when placing an amount of 9.5 million rubles (400 thousand dollars or 300 thousand euros). You can replenish this deposit, but partial cash withdrawal is not provided. Interest is paid every month, capitalization of interest - at the choice of the client. Partial withdrawals and deposits are possible. Early termination - on preferential terms.

Contribution "Freedom of choice" allows you choose your own terms : term, interest rate, method of depositing and withdrawing funds. The maximum rate is 6.8% per annum in rubles (1.85% per annum in dollars or 1.25% per annum in euros). The term of placement is from 31 days to 1830 days. The amount is from 15,000 to 3.5 million rubles (from 3,000 to 100,000 dollars/euro). Interest payment: either at the end of the term, or monthly, or quarterly. Interest capitalization - monthly or quarterly. It is possible to issue a debit card without an annual service fee for the entire term of the deposit. Replenishment is possible, partial withdrawal is not. Early termination - on preferential terms. For pensioners - an increase in the rate by 0.25%. Auto-prolongation of the deposit is possible.

By deposit "Active"(up to 6.3% per annum in rubles, 1.7% per annum in dollars or 1.05% per annum in euros) it is possible to spend the placed funds up to the minimum balance, as well as replenish the deposit amount. The yield will depend on the amount of the minimum balance: the higher it is, the higher your interest on the deposit. The term of placement is from 181 days to 1100 days. The amount is from 15 thousand to 3.5 million rubles (from 3 thousand to 100 thousand dollars / euro). Interest payment - monthly, interest capitalization is possible. It is possible to issue a debit card without an annual service fee for the entire term of the deposit. Replenishment and partial withdrawal of funds are provided. Auto-prolongation of the deposit is possible.

Each VTB 24 depositor also gets the opportunity get a credit card on favorable terms . Classic VTB 24 card - with free service for the first year if the deposit amount exceeds 80 thousand rubles. VTB 24 Gold Card - with free service for the first year, if the deposit amount exceeds 400 thousand rubles. A maximum of one card per deposit can be issued under the promotion.

Table 1. "Deposits in VTB24". Data for March 2014

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.

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:

1. 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.

1. 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:

1. 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:

1. 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:

1. 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 increase, 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:

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:

1. 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:

1. 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.