VTB Bank today offers increased interest rates on deposits for individuals and pensioners. See how to choose and open the most profitable deposit with the maximum rate in 2019.

VTB 24 Bank deposits for individuals and pensioners in 2019 can be opened at a high interest rate. The maximum rates on the “Beneficial” deposit have been increased to 2.06% in dollars and to 8.24% in rubles. Let's look at the conditions and updated percentages of VTB 24 deposits valid today for the population.

VTB Bank today ranks second after Sberbank in terms of the volume of retail deposits. There are several reasons why many residents of Moscow, St. Petersburg and many other Russian cities bring money to VTB:

√ Firstly, it has a large network of branches throughout Russia. Deposits can be made remotely: in the Internet bank or mobile application. But the advantage is that people who are not very good with the Internet can always contact a bank office, which is located in every city.

√ Secondly, the terms of deposits at VTB Bank fully satisfy the needs of clients. VTB today offers ruble and foreign currency deposits for individuals with monthly interest capitalization, the ability to replenish and partially withdraw funds without losing interest.

√ Thirdly, VTB Bank today is one of the most reliable. Here, as they say, no comments. VTB is the second largest bank in Russia after Sberbank. He certainly doesn’t face any risk of having his license revoked, and the state won’t let him go bust.

Deposits in VTB 24 Bank for today: interest and conditions

Let's look at what deposits for individuals, including pensioners, can be made today at VTB Bank. Let's compare the interest rates and deposit conditions in force in 2019 to choose the most profitable one.

VTB Comfortable deposit: interest and conditions

Among the advantages of this deposit is the ability of the client to freely manage the money lying in the bank. The terms of the deposit allow you to replenish the account, as well as partially withdraw funds without loss of profitability. The downside is the low interest rate compared to other bank deposits.

Advantages and disadvantages

Interest rates

₽ - up to 4.16% $ - up to 1.36% € - up to 0.01%	from 30,000 ₽ from 500 $ from 500 €

The maximum possible rate in rubles today is 5.66% per annum.

VTB “Replenishable” deposit: interest and conditions

This deposit has the ability to replenish the account. This will undoubtedly be beneficial for those who intend to save money by putting aside part of their salary or other income into a bank account. The disadvantages are the not too high rate and the inability to withdraw money without loss of profitability.

Advantages and disadvantages

Interest rates

₽ - up to 5.94% $ - up to 1.62% € - up to 0.01%	from 30,000 ₽ from 500 $ from 500 €

Supplements for VTB Multicard owners with the “Savings” option enabled:

0.5% when spending from Multicard in the amount from 5,000 to 15,000 rubles;
+ 1.0% when spending from Multicard in the amount from 15,000 to 75,000 rubles;
+ 1.5% when spending from Multicard in the amount of 75,000 rubles.

The maximum possible rate in rubles today is 7.44% per annum.

VTB “Profitable” deposit: interest and conditions

Interest rates on this deposit are higher than on other VTB basic deposits. But you won’t be able to replenish your account or withdraw money without losing profitability. You can only withdraw accrued interest. This deposit is good when you need to deposit a large sum in the bank for a certain period of time or, as they say, live off the interest. This the most profitable VTB 24 deposit among basic deposits.

Advantages and disadvantages

Interest rates

₽ - up to 6.74% $ - up to 2.06% € - up to 0.01%	from 30,000 ₽ from 500 $ from 500 €

Supplements for VTB Multicard owners with the “Savings” option enabled:

0.5% when spending from Multicard in the amount from 5,000 to 15,000 rubles;
+ 1.0% when spending from Multicard in the amount from 15,000 to 75,000 rubles;
+ 1.5% when spending from Multicard in the amount of 75,000 rubles.

The maximum possible rate today is 8.24% per annum in rubles.

VTB deposit “Time of Growth”: the most profitable deposit for today

This is a seasonal deposit that has a high interest rate. However, the possibilities for managing money on a deposit are very limited: you won’t be able to replenish your account or withdraw money without losing profitability. But what a percentage - up to 6.90% per annum when registering online! Income can be even higher if you apply for a VTB Multicard and spend more than 5,000 rubles per month on it.

Advantages and disadvantages

Interest rates

without capitalization / with capitalization

Supplements for VTB Multicard owners with the “Savings” option enabled:

0.5% when spending from Multicard in the amount from 5,000 to 15,000 rubles;
+ 1.0% when spending from Multicard in the amount from 15,000 to 75,000 rubles;
+ 1.5% when spending from Multicard in the amount of 75,000 rubles.

The maximum possible rate in rubles today is 8.40% per annum.

VTB “Savings Account” deposit: interest and conditions

A savings account is not exactly a deposit, but it is also a very profitable tool for storing money. Perhaps even more attractive than a regular deposit.

Its peculiarity is that the account can be replenished, as well as withdraw money from it at any time. Interest is calculated on the minimum balance on the account during the month.

Moreover, the longer the money is in the savings account, the higher the interest.

If you use the account together with a VTB Multicard with the “Savings” option, your income will increase.

Interest rates

Without the "Savings" option

With Multicard and “Savings” option

The increased profitability on the savings account consists of the base interest rate and a reward of up to + 1.5% per annum, accrued when making purchases in the amount of 5,000 rubles or more. on VTB Multicard with the “Savings” option.

Card purchases per month

VTB savings account “Kopilka”: interest and conditions

This is another savings account for VTB Bank. But here interest is calculated on the daily balance of money in the account.

The minimum and maximum amounts on the account are not limited. Its validity period has also not been established.

Deposits and withdrawals are made without any restrictions. Save and spend as much as you want! And free funds will generate income every day.

You can open a VTB “Kopilka” Savings Account in rubles, US dollars and euros.

Interest rates

The rate depends on the period and amount of funds placed in the savings account.

*) The level of return on the savings account is calculated based on the savings account amount not exceeding RUB 299,999.99.

How to apply for the most profitable VTB deposit in 2019

There are several ways to make any deposit. If you are contacting VTB Bank for the first time, you will have to go to the nearest branch with your passport. If you are already a client of this bank, then there are options...

1. At any bank branch upon presentation of an identification document.
2. In Internet banking. After opening a deposit, you can receive an agreement at any bank branch upon presentation of an identification document.

VTB Bank contacts

Phone numbers, branch addresses, VTB 24 work schedule can be found by calling the bank’s call center.

Phone: 8 800 100-24-24 (free for regions of Russia).

By the same phone number, as well as on the official website, you can clarify the opening conditions and interest rates that VTB 24 deposits for individuals currently have.

General license of the Bank of Russia No. 1000. The information is provided for informational purposes and does not constitute a public offer.

A seasonal deposit at VTB Bank is an advantageous offer for individuals in 2017. Thus, it is possible to take advantage of quite interesting opportunities for investing financial resources in banking turnover. The Seasonal contribution will be valid until December 31, 2017. But I can extend it in 2018!

Interest rate

The service makes it possible to receive 10% per annum, the receipt of which begins from the first month of use. All clients will receive accrued interest to their own account. Every thirty days funds are transferred to debit credit cards. The program is valid for a period of 7 months.

Seasonal contribution - features

All interested individuals can take part in the “Seasonal” deposit program until 2017. VTB24 has created an excellent product, about which customers leave only positive reviews. Interest is paid using the following method:

This program from VTB does not provide for the possibility of capitalization, because you cannot top up your account.

Preferential conditions when using the Seasonal deposit in Russia:

• To invest an investment at a high interest rate, a minimum amount of RUR 30,000 is available;
• The renewal service is automatic and can be used an unlimited number of times;
• Issued in rubles;
• possibility of transfer to a separate account;
• payments monthly.

Among the disadvantages, we note the following points:

1. Topping up your account is not allowed.
2. If there is an early partial withdrawal of money in cash, you will find yourself in the preferential termination system, after which the accrued rate will be only 0.01%.

Before the client agrees and invests funds in a specific account, he will definitely be informed about all sorts of risks and his further obligations.

Calculator

How can I find out how much I can earn after the deposit account has been opened? For calculations, the calculator will be able to help each investor calculate the income received while using the program. This opportunity is available on the website of the financial institution. The service interface is quite understandable and accessible to all users, so anyone can make calculations without much difficulty. The tool will help you find out what amount of deposit will bring the most profitable income.

Filling out all fields of the calculator will ensure that you receive accurate information on your deposit. There is nothing complicated, you just need to clarify:

• the date you started using the program;
• then indicate the validity period;
• amount of money.

The “calculate” button will show all the necessary information. Let's give an example: the amount of 30,000 after seven months will bring the client 31,298 rubles. It should be borne in mind that income depends on the amount of investment, so a large investment will allow you to get a “tasty” income.

Self-calculation

To independently calculate the return on an investment, use the general formula:

1. The amount received as a result of interest income.
2. Contributed monetary resources (for example, let's take the minimum amount).
3. Annual rate.
4. Period.
5. Days of the year.

As a result, we get the following result:

A seasonal deposit can be opened through Internet banking. You will need to fill in all the required fields. However, if you have free time, it is better to contact a bank branch.

In addition to deposits, the bank offers other services. Clients have access to mortgages, loans, car loans, and online insurance. In addition, the financial institution cooperates with Ingosstrakh. It is better to choose an insurance company right away to protect your financial well-being.

The “Seasonal” deposit from VTB 24 is a time-limited offer for individuals, offering today the most favorable conditions for investing funds in the bank’s financial turnover.

Deposit feature

The “Seasonal” deposit has a lot of differences from other investments for individuals from VTB 24, so the bank pays special attention to it to study all the features and conditions. The limited time offer can be opened in the autumn period of the current 2017 from September 11 to October 31.

You can place savings in VTB 24 Bank up to 10% per annum for up to 7 months, with interest periods equal to one month. Each period has its own interest rate, which decreases as the deposit expires.

Duration (month)	Bid
1 and 2	10%
3	8,75%
4 and 5	6%
6 and 7	5%

Interest is accrued at the end of the period of the same name, the transfer is made to the main “master account” and the funds are not formed into additional capital.

Example: The deposit was opened in 2017 on September 16 - interest will be accrued on the 16th of the next month.

Conditions of the “Seasonal” deposit

In 2017, the “Seasonal” project was the most profitable in VTB 24 among other deposits for individuals.

The description of the conditions is as follows:

Registration of this deposit is not available in favor of third parties.

Extension of the term of the agreement for the Seasonal deposit occurs automatically, does not require the presence of an individual and does not have a limited quantity.

All deposits opened with VTB 24 Bank, including Seasonal, are insured - this guarantees 100% compensation (but not more than 1 million 400 thousand rubles) for funds in respect of which an insured event occurred in accordance with the terms of the contract.

VTB 24 Bank deposits for individuals, including pensioners, today have favorable rates; in 2019 they can be opened at 8.4% in rubles, as well as 2.06% in dollars and 0.01% in euro currency. See how favorable the updated interest rates and deposit conditions in Russia have become today. An online calculator will help you calculate your return on investment.

1. Types of deposits. In 2019, VTB 24 prepared for its clients in Moscow, St. Petersburg and other cities of Russia a whole range of profitable deposits, among which almost everyone can choose the most profitable and convenient for themselves. Based on the set of options, VTB deposits for individuals can be divided into three groups:

1. with replenishment and partial withdrawal – “Comfortable”,
2. with replenishment – ​​“Replenishable”;
3. at the maximum percentage – “Profitable” and “Growth Time”.

There are regular and premium deposits with increased interest rates for holders of the Privilege package, with opening in the branch and online via the Internet.

2. Interest on VTB 24 deposits in 2019. Rates vary depending on the term and amount, as well as the set of money management options. Those who want to get the maximum percentage will not be able to partially withdraw or top up their account. But there is also a deposit that allows you to easily manage your money by withdrawing part of the amount. In this case the rates will be lower.

3. Frequency of interest payments. It should be noted that at VTB Bank all deposits with monthly interest payments. Their capitalization or payment to the account is allowed.

4. Extension. VTB deposits are automatically extended (autoprologue), but no more than 2 times. The deposit is reissued for a similar period at the rates in effect on the renewal date.

5. Increased percentage for spending from Multicard. The profitability of deposits for VTB owners with the “Savings” option enabled may be higher if they actively spend funds from the card.

VTB 24 deposits today: interest rates and conditions

Let's consider under what conditions and at what percentage today you can open deposits for individuals at VTB 24 Bank.

1. Deposits with replenishment and partial withdrawal without loss of interest

VTB Comfortable deposit

This deposit for individuals allows you to replenish the deposit or withdraw money from the account in a mode convenient for the client. Opens at a bank branch.

Conditions

• Duration: from 6 months to 5 years;
• Replenishment: provided;
• Minimum replenishment amount: RUB 15,000. / 500 dollars / 500 euros;
• Minimum withdrawal amount: from 15,000 rubles / 500 dollars / 500 euros (within the amount exceeding the minimum balance);

Interest rate

Deposit calculation. The maximum return in rubles - 4.16% per annum (taking into account capitalization) is achieved with a deposit in the amount of 100,000 rubles for a period of 24 to 36 months.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

. The maximum interest on the “Comfortable” deposit, taking into account the premium, today is 5.66% per annum. You can get it if you make a deposit for a period of 24-36 months and spend more than 75 thousand rubles per month from the Multicard.

Compare VTB rates with the interest offered by Sberbank -

VTB contribution "Comfortable online"

This deposit of individuals allows you to replenish your deposit or withdraw money. Opens in Internet Banking.

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

• Duration: from 6 months to 5 years;
• Amount: 30,000 rub. / 500 dollars / 500 euros;
• Replenishment: provided;
• Minimum replenishment amount: 1 rub. / 1 dollar / 1 euro;
• Partial withdrawal without loss of interest: provided;
• Minimum withdrawal amount: from 1 ruble / 1 dollar / 1 euro (within the amount exceeding the minimum balance);
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: interest is paid at the demand rate.

Interest rate

Deposit calculation. The maximum return in rubles - 4.16% per annum (taking into account capitalization) is achieved with a deposit in the amount of 30,000 rubles for a period of 24 to 36 months.

Increased interest rates for VTB Multicard owners with the “Savings” option

If you make purchases using the VTB Multicard, the interest rate will increase depending on the amount of your spending on the card.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

Calculation of increased deposit profitability. The maximum interest on the Comfortable Online deposit, taking into account the premium, today is 5.66% per annum. You can get it if you make a deposit for a period of 24-36 months and spend more than 75 thousand rubles per month from the Multicard.

Compare VTB interest rates with the rates offered today by Rosselkhozbank -

VTB contribution

(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.

(-) Minus: low interest rate.

Conditions

• Duration: from 6 months to 5 years;
• Replenishment: provided;
• Partial withdrawal: provided;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account.
• Conditions for early termination: interest is paid at the demand rate.

Interest rates

See also: 50 profitable deposits at high interest rates

2. Deposits with the possibility of replenishment

VTB deposit “Replenishable”

This deposit for individuals can be replenished without restrictions, but money cannot be withdrawn. Opens at a bank branch.

Conditions

• Duration: from 3 months. up to 5 years;
• Amount: from 30,000 rub. / 3,000 dollars / 3,000 euros;
• Replenishment: provided;
• Additional contributions: from 15,000 rubles / 500 dollars / 500 euros;
• Expense transactions: not provided;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: interest is paid at the demand rate.

Interest rate

Deposit calculation. The maximum return in rubles - 5.94% per annum (taking into account capitalization) is achieved with a deposit in the amount of 100,000 rubles for a period of 18 to 24 months.

Increased interest rates for VTB Multicard owners with the “Savings” option

If you make purchases using the VTB Multicard, the interest rate will increase depending on the amount of your spending on the card.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

Calculation of increased deposit profitability. The maximum interest on the “Replenishable” deposit, taking into account the premium, today is 7.44% per annum. You can get it if you make a deposit for a period of 18-24 months and spend more than 75 thousand rubles per month from the Multicard.

See also interest on deposits in Gazprombank -

VTB contribution "Refillable online"

This deposit of individuals can be replenished without restrictions, but withdrawals cannot be made. Opens in Internet Banking.

(+) Plus: it is possible to top up your account.

(-) Minus: there is no possibility of partial withdrawal of money without losing interest.

Conditions

• Duration: from 3 months. up to 5 years
• Minimum amount: 30,000 rub. / 500 dollars / 500 euros
• Replenishment: provided;
• Additional contributions - from 1 ruble / 1 dollar / 1 euro
• The interest rate increases as the deposit is replenished;
• Expense transactions not provided;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: interest is paid at the demand rate.

Interest rate

Deposit calculation. The maximum return in rubles - 5.94% per annum (taking into account capitalization) is achieved with a deposit in the amount of 30,000 rubles for a period of 18 to 24 months.

Increased interest rates for VTB Multicard owners with the “Savings” option

If you make purchases using the VTB Multicard, the interest rate will increase depending on the amount of your spending on the card.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

Calculation of increased deposit profitability. The maximum interest on the “Replenishable Online” deposit, taking into account the premium, today is 7.44% per annum. You can get it if you make a deposit for a period of 18-24 months and spend more than 75 thousand rubles per month from the Multicard.

See also interest on deposits in Alfa-Bank -

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, euros, as well as pounds sterling and Swiss francs.

(+) Plus: it is possible to top up your account.

(-) Minus: there is no possibility of partial withdrawal of money without losing interest.

Conditions

• Duration: from 6 months to 5 years;
• Amount: from 700,000 rub. / 20,000 dollars / 20,000 euros;
• Replenishment: acceptable;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: interest is paid at the demand rate.

Interest rates

See also interest on deposits in Promsvyazbank -

3. Deposits at maximum interest

VTB deposit “Profitable”

This deposit for individuals allows you to receive the highest income among VTB Bank deposits, but you will not be able to freely manage the money in the account. Opens in bank branches.

Conditions

• Duration: from 3 months. up to 5 years;
• Amount: from 100,000 rub. / 3,000 dollars / 3,000 euros;
• Replenishment: not allowed;
• Partial withdrawal: not allowed;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;

Interest rate

Deposit calculation. The maximum return in rubles - 6.74% per annum (taking into account capitalization) is achieved with a deposit in the amount of 100,000 rubles for a period of 36 to 61 months.

Increased interest rates for VTB Multicard owners with the “Savings” option

If you make purchases using the VTB Multicard, the interest rate will increase depending on the amount of your spending on the card.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

Calculation of increased deposit profitability. The maximum interest on the “Profitable” deposit, taking into account the premium, today is 8.24% per annum. You can get it if you make a deposit for a period of 36-61 months and spend more than 75 thousand rubles per month from the Multicard.

VTB contribution "Profitable online"

This deposit of individuals allows you to receive the highest income among VTB deposits, but it cannot be replenished and it will not be possible to withdraw money either. Opens in Internet Banking.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: from 3 months. up to 5 years;
• Amount: from 30,000 rub. / 500 dollars / 500 euros;
• Replenishment: not allowed;
• Partial withdrawal: not allowed;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: preferential. When closing a deposit after 181 days, interest is paid in the amount of 0.60 of the interest rate established at opening/prolongation.

Interest rate

Deposit calculation. The maximum return in rubles - 6.74% per annum (taking into account capitalization) is achieved with a deposit in the amount of 100,000 rubles for a period of 24 to 61 months.

Increased interest rates for VTB Multicard owners with the “Savings” option

If you make purchases using the VTB Multicard, the interest rate will increase depending on the amount of your spending on the card.

Surcharge	Expenses per month, rub.
	5 000 — 15 000
	15 000 — 75 000

Calculation of increased deposit profitability. The maximum interest on the Profitable Online deposit, taking into account the premium, today is 8.24% per annum. You can get it if you make a deposit for a period of 36-61 months and spend more than 75 thousand rubles per month from the Multicard.

See also interest rates on deposits in

VTB contribution "Beneficial Privilege"

Premium deposit with increased interest rates for individuals with the Privilege package. You can open a deposit in rubles, US dollars, euros, as well as pounds sterling and Swiss francs.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: from 6 months to 5 years;
• Minimum amount: 700,000 rub. / 20,000 dollars / 20,000 euros;
• Replenishment: not allowed;
• Partial withdrawal: not allowed;
• Capitalization: provided;
• Interest accrual: monthly with capitalization or payment to the account;
• Conditions for early termination: preferential. When closing a deposit after 181 days, interest is paid in the amount of 0.60 of the interest rate established at opening/prolongation.

Interest rates

See also interest rates on bank deposits

VTB seasonal contribution “Time of Growth”

This is a profitable seasonal deposit of VTB Bank, the interest rates of which change from time to time. It can be issued under these conditions until June 30, 2019. This can be done at any bank branch, as well as via the Internet.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.

Conditions

• Duration: 180, 380 days;
• Amount: from 30,000 rubles;
• Replenishment: not allowed;
• Partial withdrawal: not allowed;
• Capitalization: provided;
• Interest accrual: monthly with payment to the account or capitalization;
• Conditions for early termination: at a rate of 0.01% per annum.

Interest rate

(Without capitalization / With capitalization)

When opening at a bank branch

Term	6 months	12 months

The return on the deposit for owners of the VTB Multicard with the “Savings” option depends on spending on the card.

Expenses per month, rub.	6 months	12 months
from 5,000 to 15,000
from 15,000 to 75,000

See also deposit rates at UniCredit Bank -

Savings account VTB Bank

Today, VTB 24 also offers individuals to open Savings accounts, which provide for withdrawal of money without loss of accrued interest and replenishment without restrictions. You can find out more about the conditions for their opening

How to open VTB deposits

1. In the department. You can make a deposit for individuals at any bank branch. To do this, you will need to have an identification 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 receive an agreement at any branch of VTB Bank upon presentation of an identification document.

How to top up your deposit

You can top up VTB deposits for individuals both at the bank’s office and online.

1. In the department. You can top up your account at bank branches in the region where it was opened. For example, if the deposit was opened in Moscow or the Moscow region, then you can also top it up at any bank office in Moscow and the Moscow region. To do this, you need to contact a bank employee, indicate your account details and deposit the required amount.

2. Online. You can top up your deposit in the VTB Online system using a VTB bank card. First, you can put money on your card, for example, through an ATM, and then transfer it to a deposit in Internet banking.

Conclusion: what is the most profitable VTB contribution today?

Choosing the most profitable deposit at VTB Bank is not difficult. To do this, let’s calculate how much income in rubles you can get if you register each of them 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 VTB deposit for individuals today is “Growth Time”. But other deposits have their advantages.

By signing up for “Profitable” you can get a high percentage for both a 3-month and 5-year term.

The advantage of the “Replenishable” deposit is the ability to periodically deposit money into the bank.

BONUS!

Participants in 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 awarded if the client previously had a deposit with this bank. The catalog of gifts for which you can exchange accumulated bonuses is located on the website bonus.vtb.ru in the “Bonuses from VTB” section.

Information about VTB Bank

VTB Bank is a universal commercial bank with state participation (60.9% owned by the state). The bank's head office is located in Moscow, and the bank is registered in St. Petersburg.

VTB was established back in 1990 with the participation of the State Bank of the RSFSR and the Ministry of Finance of the RSFSR as the Foreign Trade Bank (Vneshtorgbank). In 2004, VTB 24 was created as a subsidiary of the bank. Then it was called Vneshtorgbank 24. In 2006, Vneshtorgbank and Vneshtorgbank 24 were renamed VTB and VTB 24, respectively. During its development in 2016, it acquired the Bank of Moscow, and in 2018, the subsidiary bank VTB 24. Now it is a single VTB bank.

Today VTB is one of the largest and most reliable banks in Russia. In terms of equity capital, size of assets and amount of deposits, VTB is second only to Sberbank. But I am ready to compete with the largest bank in Russia in terms of accessibility of services for the population. It has many branches not only in Moscow, St. Petersburg, but also in other cities of Russia. At the same time, the bank is opening more and more offices in various cities of the country, offering clients a variety of banking services.

All VTB deposits are insured in accordance with the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation” No. 177-FZ dated December 23, 2003.

Contacts for information and consultations

Find out more about the conditions for opening and interest rates of deposits for individuals at VTB from bank employees.

Telephone: 8 800 100-24-24 (free for regions of Russia).

The activities of VTB Bank are carried out in accordance with the general license of the Bank of Russia No. 1000. The information is not a public offer.

When free money appears, every person has a logical question: how to use it, so as not only not to lose money, but also to increase it? This article discusses such a method of investing money as the deposit of an individual.

Contribution is a way to increase money

And in particular, deposits are a reliable source of income for individuals. If a person has money and he keeps it “under his pillow,” then every year the purchasing power of the available amount will decrease. This is due to the inevitable annual process of inflation. Prices for goods and services rise every year, but the amount of money stored at home remains at the same level.

You can prevent money from being “burned” by inflation using one of the ways to increase it. For example, the owner of free cash or non-cash means of payment can invest it in construction, business and other industries. However, every investment entails certain risks. If a person who is inexperienced in this area is going to invest, then the risk of suffering at the hands of fraudsters or making a deal with an unsuccessful project increases several times. What about the population whose knowledge of financial markets is not so deep?

An excellent choice is a bank deposit. Income on deposits, as a rule, is up to 10% per annum, which exceeds the annual inflation rate. However, a bank deposit, the amount of which is no more than 1,400,000 rubles, is insured by the state, so the depositor does not risk losing the money invested. In the event of a crisis or a bank declaration of bankruptcy, a client with an open deposit of up to 1,400,000 rubles is guaranteed to return the money invested.

Basic parameters of bank deposits

When choosing the optimal product, as well as the bank itself, the client should take into account the following conditions for the deposit:

• deposit rate and term;
• deposit currency;
• the ability to deposit additional funds into the account;
• early withdrawal of money and closing of the deposit;
• availability of interest capitalization;
• design method.

The interest rate denotes the client's income and is expressed as a percentage per year. As a rule, banks prefer to issue deposits for long periods, due to which the interest rate increases depending on the term of the deposit. However, if for some reason the depositor closes the deposit ahead of schedule, then in such a situation the rate under the agreement changes to the base rate, which is several times less than the initially established one.

There are two types of deposit terms: open-ended and fixed-term. A permanent deposit provides for the possibility of replenishing funds, and in most cases it is also possible to withdraw money from the account without reducing the interest rate, which is usually lower than for time deposits. A term deposit involves investing money for a specific period at a higher interest rate.

The deposit can be made in rubles, dollars, euros and other currencies.

If possible, you should regularly select a product that allows you to add funds to your account.

If the depositor's financial position is unstable at times and depends on external factors, then it may be necessary to choose a product that allows for early withdrawal of money.

Capitalization is the addition of interest accrued for a specific period to the deposit amount for subsequent increase and is an important parameter of any deposit.

Making a deposit is possible during a personal visit to any bank branch with the necessary documents or remotely. An example of remote registration is the “Seasonal” deposit; clients say there are no problems with remote registration of a deposit using the Internet.

Why a bank?

Today, for individuals with spare money, many financial instruments are available to increase money. For example, investing, purchasing securities, buying and then selling currency, investing money in credit institutions and banks.

As already mentioned, a bank deposit is the safest way to save money, as well as increase it in quantity.

In financial markets, inexperienced users may be more likely to stumble upon scammers in a given industry. Successful work with securities and currencies requires knowledge, and better yet, experience and practice.

Deposits provide primarily for the safety and security of funds. It must be remembered that in accordance with Federal Law No. 177-FZ dated December 23, 2003, deposits in banking institutions are insured by the state. If a bank is declared bankrupt and subsequently liquidated, the state will reimburse individuals in the amount of up to 1,400,000 rubles. However, before opening a deposit in a little-known bank, you should check information about it with the Deposit Insurance Agency.

Moreover, opening a bank deposit does not require much time or special knowledge. The conditions for deposits are quite simple and understandable to the average person, and if any questions arise, a bank employee will be happy to answer them.

Bank "VTB 24"

VTB 24 Bank is one of the leading banks in the Russian Federation and operates in accordance with the publicly available general license of the Central Bank of Russia No. 1623 dated October 29, 2014.

A wide range of services is available to clients: issuing loans, issuing debit and credit cards, opening deposits, exchanging and purchasing currencies, remote account management and other important services for individuals and legal entities.

The deposit insurance system ensures proper safety of VTB 24 deposits.

The bank regularly holds promotions and develops unique offers. For example, every citizen can open a “Seasonal” deposit at VTB 24 branch. The reviews speak for themselves: this offer is worthy of the attention of everyone who selects a deposit with the optimal term and interest rate.

Deposits of individuals in VTB 24 bank

VTB 24 Bank offers various deposit and savings programs.

The bank has launched a unique offer - registration in the first two months. Read more about deposit conditions in the following sections of this article.

A bank client can open a savings account with a base rate that ranges up to 8.5% per annum for an unlimited period. At any time, the client can withdraw funds from the account without losing the interest accrued for the month. It is also possible for individuals to open a savings account with an increased rate of up to 10% per annum.

Deposit "Profitable". The minimum period is 3 months, the maximum is 5 years. The interest rate on this deposit is up to 7.10% per annum. A depositor can place money on a “Profitable” deposit in the amount of 200 thousand to 30 million rubles. The advantage of this deposit is the possibility of preferential early termination of the contract.

The “Accumulative” deposit is issued in an amount from 200 thousand to 30 million rubles at an interest rate of up to 6.65% per annum. The minimum deposit period is 3 months, the maximum is 5 years. This deposit allows for the possibility of replenishment by any amount monthly, and the client can leave the accrued interest on the deposit or transfer it to his own account.

The “Comfortable” deposit, similar to the previous one, is issued for a period of 3 months to 5 years in the amount of 200 thousand to 30 million rubles at an interest rate of up to 4.10% per annum. The depositor has access to monthly replenishment of the deposit, and in addition, partial withdrawal of cash without reducing the interest rate.

VTB 24, “Seasonal” deposit for individuals in 2017

VTB 24 Bank clients are invited to take advantage of a limited offer. Having made a “Seasonal” deposit for 7 months, the client receives an increased interest on the deposit in the first months. The offer is valid for a limited time, so don’t delay your decision.

Bank "VTB 24:" terms of deposit "Seasonal"

The client can get the maximum benefit by taking advantage of a special offer for investors.

The conditions for the Seasonal deposit are quite flexible and loyal.

Opening a deposit is possible from 30 thousand rubles, the maximum limit is not set.

The deposit is opened for a period of 7 months. The rate for the first month is 10% per annum, for the second - 10%, for the third - 8.75%, for the fourth - 6%, for the fifth - 6%, for the sixth - 5%, for the seventh - 5%.

Interest is not capitalized and is credited monthly to the master account.

The deposit currency is rubles.

There is no provision for opening a deposit in favor of third parties.

In case of early closure, interest is calculated at the minimum rate of 0.01%.

Disadvantages of the Seasonal deposit

• The “Seasonal” deposit does not provide for the deposit or partial (full) withdrawal of money from the account.
• There is no interest capitalization.
• Deposit opening is available until 12/31/2017.

Advantages of the “Seasonal” deposit

• Automatic extension of the deposit.
• 10% per annum for the first two months.
• Monthly payments of accrued interest.
• via the Internet.

How to open a “Seasonal” deposit in VTB 24?

A client can make a “Seasonal” deposit by personally visiting a bank branch or independently via the Internet. To make a deposit at a bank branch, the depositor will need an original passport and funds in cash or non-cash form.

Conveniently, to open a “Seasonal” deposit, the client does not have to come to the bank office. You can apply for a special offer at home, having access to a computer, laptop or smartphone with Internet access. In this case, the money must be in non-cash form on a bank card or other means of payment.

Registration of a deposit online takes place on the official website of the commercial bank "VTB 24". To do this, you need to log in to your personal account, then find “Deposits and Savings” and select the product you are interested in. Using the prompts, fill out the registration form and follow further instructions for replenishing your account and opening a deposit online.

VTB 24, deposit "Seasonal": reviews

In 2017, VTB 24 Bank launched a universal offer. Thanks to it, every client has the opportunity to open a “Seasonal” deposit for a period of 7 months.