VTB Pension Deposit is a special banking product for people who have retired. At the same time, the bank is not interested in whether a person works or not; he can still open such an account if he receives a pension due to age or other reasons.

At any time, a pensioner has the right to draw up a testamentary disposition for the deposit. This document replaces a will, and there is no need to contact a notary.

When choosing a deposit for pensioners, consider the following parameters: extension, replenishment and partial withdrawal. For example, if a depositor plans to save, an account without a replenishment option will not be suitable.

In some cases pension deposit can be used to credit a pension. To do this, you need to write an application to the Pension Fund and provide details. It is better to find out about the availability of such an opportunity from a bank representative.

Advantages of VTB deposits for pensioners

The advantage of a deposit for VTB pensioners is that the pensioner receives additional income in the form of interest. Also, the investor can be confident in the safety of funds, since savings are insured by the state.

How to open a VTB deposit for pensioners in Moscow?

To make such a deposit in 2020, contact the nearest VTB branch in Moscow with your passport and a second document - a pension certificate or a certificate from the Pension Fund. We recommend that you clarify any questions you may have with a bank employee before concluding an agreement. In particular, the minimum amount, the possibility of replenishing the account, early withdrawal of money, capitalization of accrued interest. Only after making sure that the product meets the main criteria do you sign the contract.

Lending is one of the most popular financial services in the banking sector. However, not all organizations are ready to cooperate with pensioners, giving preference to younger people.

The exception is large Russian bank VTB 24. Judging by numerous reviews, the financial organization actively cooperates with pensioners, offering them to register as consumer loan, and a mortgage loan on favorable terms.

VTB Bank does not have any special credit offers for pensioners. They apply for general conditions. It is worth noting that VTB24 is quite loyal to this age group of clients. Greatest chance of registration cash loan They took out loans from pensioners who were previously clients of a financial organization, participated in salary projects, kept deposits and savings accounts.

Important! VTB Bank works only with clients who have an undamaged credit history.

For 2018, pensioners can apply for the following types of cash loans:

• Comfortable.
• Large.

In addition, they have access to services such as mortgages and refinancing loans from third-party lending institutions at a lower interest rate.

"Comfortable"

This credit program VTB Bank is distinguished by its relatively small maximum amount loan, compared to other existing products. By choosing it, pensioners can count on the following conditions:

• 400,000 rubles.
• Percent rate – from 16%.
• Loan terms - from 6 months to 5 years.

A long loan period plays into the hands of clients of retirement age. They will be able to calculate their own strength by choosing the most comfortable monthly payment amount. However, to obtain a loan at a minimum annual interest a pensioner is unlikely to succeed. In most cases, VTB approves loans at 22% per annum.

"Large"

Another type of loan is called “Large”. This is a non-targeted loan without guarantors with a fairly large maximum amount available for disbursement. Pensioners who decide to take advantage of this VTB program can receive the following conditions:

• Maximum loan amount – RUB 3,000,000.
• Interest rate - from 15%.
• Loan terms - up to 60 months.

It is important to know! 3 million is the amount they can count on non-working pensioners. Individuals with salary project VTB Bank will be able to apply for 5,000,000 rubles using one passport.

Mortgage for pensioners

At VTB Bank, pensioners can also apply for mortgage program lending on general terms. The financial institution willingly issues loans to individuals who have a stable job, additional income, open deposit or depositing a large amount down payment.

Today, VTB operates several housing subsidy programs:

• Buying a home in a new building – from 10.9%.
• Buying housing on the secondary market – from 11.25%.
• Buying an apartment with an area of ​​65 sq.m. – from 10.4%.
• Purchase of real estate with a 40% down payment – from 11.9%.
• Refinancing an existing mortgage – from 11.25%.

Requirements for pensioners are no different from the rest of the category of borrowers. The only condition is that the loan must be calculated so that it is completely return it before age 65. You can do this using a convenient loan calculator, located on the official VTB portal.

Conditions for issuing a loan

Naturally, numerous factors can affect the final rate and maximum interest on the loan. Among the most significant are:

• The maximum age for repaying a loan at VTB24 is 75 years.
• Potential borrower must have citizenship of the Russian Federation.
• VTB does not cooperate with individuals with a bad credit history.
• The pensioner must live in the region where the credit institution operates.
• Minimum size monthly income should be at the level of 20 thousand rubles. Depending on the region, the requirements may be a little softer or, conversely, stricter.
• If the potential borrower is a working pensioner, his total work experience must exceed 1 year, and in his current position - 3 months.

If the pensioner meets the basic requirements of VTB Bank, you can begin collecting complete package documents.

Required package of documents

The papers included in the required package are quite standard. A potential borrower must provide to the VTB branch:

• Identification.
• SNILS.
• Pensioner's ID.
• A document confirming the amount of monthly income.
• If there is additional income, supporting documents.
• Work book/employment contract certified by the employer.

Note! If a pensioner is a VTB salary card holder, no certificates are needed to apply for a loan.

How to apply for a loan

There are several ways to apply for a cash loan from VTB:

• In the company branch.
• Via online form.

It is important to know! Holders salary cards VTB can count on receiving a cash loan on the day of application. In some cases cash are transferred to the account automatically.

In the VTB branch

Most often, pensioners choose this method, preferring to apply for a loan the old fashioned way. In this case, you must perform the following sequence of actions:

• Visit the corporate office of a financial institution.
• Tell the specialist the purpose of your visit, indicating in detail your wishes regarding the required loan.
• Write a corresponding statement.
• Submit the collected package of documents for verification.

Next, the bank will need several business days to verify your data. After which you will receive the final decision in the form of an SMS message. It can also be voiced by an employee of a credit institution by calling the phone number you specified as a contact.

Via the official website

This method is the most convenient. The client will be able to find out a preliminary decision regarding the issuance of a loan within a few minutes, and only then go to a VTB branch to leave a full application.

To apply via the online form, please follow the instructions below:

• Open the official website of VTB Bank.
• Select the required service from the list and read its terms and conditions.
• Proceed to fill out the online form.
• Enter a number of required data: full name, contact, personal information, wishes regarding a future loan.
• Submit your application for consideration.

If you have access to the Telebank system, you can submit an application for a cash loan through your personal account or mobile application.

Note! Making a final decision on issuing a loan takes about 2-3 business days.

How to return a loan

To make it convenient for pensioners to make payments with the bank, VTB offers several ways to return funds to choose from:

• Enrollment via operating cash desk at the VTB branch.
• Top up your card account through an ATM. In this case, the client is given a plastic card linked to the credit account.
• Non-cash transfer in the VTB 24 Online system.
• Transfer using details from a third-party financial organization account.
• Depositing funds from an electronic wallet account.
• Transfer through Russian Post.
• Transfer through the Zolotaya Korona system.

It is important to know! In some cases, funds are credited to the credit account instantly, in others the transfer takes up to 7 business days. Be sure to check the terms and availability of additional fees with the service provider and keep the payment receipt until the cash arrives.

Every person may unexpectedly need money, where can they get it urgently? The simplest option is to take out a loan from a bank, but many financial institutions they are in no hurry to approve applications from pensioners, considering such transactions risky and unreliable. Even the fact that pensioners are much more responsible about their obligations and regularly pay their debts cannot change the situation. That is why it is important to know how to get a loan from VTB 24 and the conditions in 2020. And the calculator for pensioners, located on the bank’s official website, will help you calculate monthly payments and will help you understand the features of the return.

Despite the presence of a large target audience, special offers for pensioners at VTB does not exist. Those wishing to receive money in 2020 will have to use general options, of which there are currently only 2:

• Comfortable;
• Large.

Additionally, you can get a loan to purchase a home or use a refinancing program.

Each of these options has its own positive and negative sides that must be taken into account, but despite the existing differences, the requirements for borrowers are the same everywhere. They consist in the availability of financial guarantees and the ability to interact with the client.

"Comfortable"

Considering the features of the developed loan for pensioners at VTB and the conditions for obtaining a loan, you should focus on the “Convenient” loan. Its main distinguishing feature is its relatively small amount available to receive money. Those planning to stop at this option You can count on the following:

It should be noted that a variety of factors influence the final amount of overpayment. The greater the risk the bank will take, the higher interest rate. Old age increases the risk of lending, so people over 60 years old get the most profitable terms It definitely won't work.

"Large"

The next option for receiving money is consumer non-targeted loan"Large". Name financial program clearly indicates its main distinctive feature. The number of available funds here is much greater than in the previously described option. Those who decide to apply for approval of this loan should count on:

It is important to indicate that upon receipt minimum amount This offer may turn out to be significantly more profitable than the previous one.

The difference is achieved due to differences in the interest rate. But the exact conditions should be clarified with the employees of the financial institution.

Loan to pensioners at VTB Bank: conditions in 2020, interest rate

As mentioned above, the final amount of the overpayment depends on a lot of conditions that allow us to assess the risk of the concluded contract. At the same time, the requirements for borrowers are such that under certain conditions the loan will be refused. Potential clients should know that:

1. The maximum age at the time of full repayment of the debt cannot exceed 70 years;
2. The borrower must have Russian citizenship;
3. The region of residence of the debtor must coincide with the area of ​​presence of one of the bank branches;
4. A positive credit history is required;
5. The income of the person submitting the application cannot be lower than 20 thousand rubles (in some regions of the country the income requirements are even stricter).

If the listed requirements are met, you should begin collecting and preparing documents to take out a loan for pensioners at VTB 24.

Documentation

Despite the seriousness of the amounts that will be issued to borrowers, the package of documents for receiving cash does not include anything unusual. Those wishing to borrow will need to prepare:

1. A passport, without which it is impossible to complete any transaction;
2. SNILS;
3. Certificates and papers confirming receipt of income.

The last point includes any documents that can prove the client’s solvency, but 2-NDFL certificates are preferred for working people and papers from the pension fund for others. If everything mentioned is in place, it will not be difficult for pensioners to get a loan from VTB Bank.

Procedure for obtaining a loan

Having understood the requirements and documents, you should proceed to study the procedure for submitting an application. Clients can choose between 4 options for applying for loans:

• First way consists of a personal visit to the nearest VTB office;
• Second method involves filling out a special form on the company’s official website;
• Third approach allows calls by contact number 88001002424;
• Last method allows you to order a call back through the institution’s website.

The application itself contains only the most important information about the borrower. When filling it out, you will have to indicate your passport details, contact information, source of income and desired loan amount.

Once you submit your application, you just have to wait. The review takes up to three days, after which the applicant receives an SMS message to the mobile phone number specified in the application form.

Return

Having found out all the features of the loan issued by VTB 24 to pensioners and the conditions for receiving it, it remains to take a closer look at the procedure for its payment. For the convenience of clients, a credit institution opens an account where money should be transferred, and, if necessary, issues plastic card so that anyone can send funds to the card.

As a result, debtors have the opportunity to use almost any method convenient for them to repay the debt, including Money transfers, ATMs, mail and even a payment system " Gold Crown" The main thing to remember is that in some cases the translation may take 2-3 days.

Deposits for pensioners at VTB Bank are not represented by a special line, and therefore this category of persons can open any deposit from those offered. For all individuals deposits have equal conditions, and the fact that VTB does not offer a pension deposit with a high interest rate is not at all a minus.

The absence of a preferential program allows pensioners not to feel limited in their choice, plus, the conditions of other deposits make it possible to comfortably invest their savings.

Types of deposits in VTB Bank for pensioners today

VTB Bank is one of the largest and most reliable banks in the country, as it operates with the support of the state. In 2020, VTB Bank’s line of deposits consists of four deposits, plus one type of account for storing funds. Let's list types of deposits for pensioners.

1. Maximum.
2. Refillable.
3. Comfortable.
4. Profitable.

A pensioner should review the terms of deposits before making a choice. Particular attention should be paid to interest rates, the possibility of making receipts and expense transactions and the term of the deposit.

Reasons why people of retirement age should turn to VTB Bank to invest money.

• VTB Bank has high interest rates on deposits.
• The investor can choose the frequency and method of receiving interest income.
• Various amounts, terms, deposit and withdrawal options.
• The ability to monitor your deposit online and make transactions through Personal Area Internet banking.
• Full investment protection - deposits are insured for up to 1.4 million rubles.

Important information! For pensioners, VTB Bank offers a special service - to draw up a testamentary disposition or power of attorney for a deposit so that the deposit can be managed by another person.

Conditions and interest rates on deposits at VTB Bank

Interest rates on deposits at VTB today are high - up to 8.5% per year. Deposit programs have different conditions to suit the needs of each depositor. You need to select deposits according to all parameters - from the amount of the minimum deposit to the possibility of closing the deposit early on preferential terms.


After all, if you invest money under high percent and do not look at other deposits with their capabilities, then you can lose more than you gain.

Maximum

This is a ruble deposit without the possibility of carrying out additional operations other than the initial investment. A pensioner can place any amount over 30,000 rubles in the account and receive a profit at the end of the year (1 year is the single validity period of the deposit).

Note! People can take advantage of VTB Bank's deposit offer for a limited period of time - from October 12 to December 31, 2018.

This profitable investment It has highest rates of all VTB programs jar:

Refillable

This multicurrency deposit with the possibility of replenishment for the entire period, except for the last 30 days of its validity.

VTB offers the investor the following conditions:

• When opening a VTB branch, the minimum contribution is 100 thousand in national currency and 3 thousand in foreign currency (dollars and euros).
• Online opening through a personal account involves smaller amounts for the down payment - from 30 thousand rubles, 500 euros or dollars.
• The deposit validity period varies from 3 to 61 months.
• When replenishing your account remotely, amounts from 1 unit are allowed, regardless of the currency, and when depositing cash, the minimum replenishment is 15 thousand rubles, 500 dollars or euros.
• There is no possibility of withdrawal.
• The depositor will receive interest regularly every month - to the deposit account or to a third-party account with the possibility of withdrawal.

Pensioners, when opening a replenishable deposit with VTB, can count on a high percentage:

Currency
	91-180	181-394	395-545	546-730	731	732-1101	1102-1830
₽	5.35%/ 5.37%	5.50%/ 5.56%	5.50%/ 5.65%	5.50%/ 5.72%	5.50%/ 5.80%	5.00%/ 5.25%	4.00%/ 4.24%
$	1.50%	2.25%/ 2.26%	2.65%/ 2.69%	2.70%/ 2.75%	2.70%/ 2.77%	2.75%/ 2.82%	0.01%
€	0.45%	0.50%	0.55%	0.60%	0.60%	0.65%	0.01%

Comfortable

With this deposit, the depositor always has access to money, because the conditions do not limit the number of incoming and outgoing transactions.

• 100 thousand rubles, 3 thousand dollars or euros / 30 thousand rubles, 3 thousand dollars or euros - the minimum for opening (through a branch / online).
• Replenishments and partial withdrawals without restrictions while maintaining the down payment.
• The minimum for withdrawal and replenishment is 15 thousand rubles, 500 dollars or euros in cash, from 1 unit of currency online.
• The last payment is 30 days before closing.
• Monthly interest income.

The table below contains rates for the Comfortable VTB Bank deposit.

Currency	Interest rate (for withdrawal/for capitalization of interest) depending on the validity period (days)
	181-394	395-545	546-731	732-1101	1102-1830
₽	3.55%/ 3.58%	3.55%/ 3.61%	3.45%/ 3.54%	3.45%/ 3.57%	1.70%/ 1.74%
$	0.80%	1.10%/ 1.11%	1.15%/ 1.16%	0.65%	0.01%
€	0.20%	0.20%	0.20%	0.20%	0.01%

Profitable

Profitable deposit fully lives up to its name. In terms of the amount of the initial contribution, the conditions coincide with the Replenishable deposit. Spending part of the deposit or making replenishments is prohibited.

The person will be paid monthly interest on the master account, or capitalized on the deposit. The rate is calculated based on the table data:

Currency	Interest rate (for withdrawal/for capitalization of interest) depending on the validity period (days)
	91-180	181-394	395-545	546-730	731	732-1101	1102-1830
₽	5.80%/ 5.83%	5.95%/ 6.02%	5.95%/ 6.13%	5.95%/ 6.21%	5.95%/ 6.30%	5.70%/ 6.02%	5.70%/ 6.20%
$	1.75%	2.50%/ 2.51%	3.05%/ 3.10%	3.05%/ 3.12%	3.05%/ 3.14%	3.10%/ 3.19%	3.10%/ 3.25%
€	0.55%	0.60%	0.65%	0.70%	0.70%	0.75%/ 0.76%	0.95%/ 0.96%

Savings account

A pensioner can store any amount in one of three standard currencies in a savings account. Interest will accrue on your account balance every month. Deposits and withdrawals are available without restrictions.

Russian VTB has developed a banking product that will make life easier for pensioners. The VTB pension card was created for recipients of social payments - pensions appear on the card immediately after accrual by the Pension Fund. Withdrawing them is as easy as shelling pears - just look at the nearest ATM, and you can completely forget about queues and grueling waits for postmen.

A multicard for pensioners has a number of advantages: free banking services for the entire period of use of the product. But that’s not all: the bank has removed the commission for withdrawals, offering additional bonuses and savings services.

There are no banking products without any complaints, but there are those whose offers significantly exceed the nuances that may confuse the future user. Whether this is the case is up to you to decide.

ADVANTAGES	FLAWS
Free registration and service banking product with the minimum required package of documents	VTB Multicard is available to citizens of the Russian Federation, excluding residents of the Autonomous Republic of Crimea and the city of Sevastopol
With the help of a debit card, the user manages his finances without using bank money, and therefore small interest credit limit, late repayment and other issues do not threaten him	The multicard is issued only in debit format; to obtain a credit card you need to find another offer or issue additional cards
Withdrawal without commission at VTB and other ATMs* banking organizations *When receiving cash from the machines of other banks, there is actually a commission, but it is returned to the master account of the Multicard owner in the form of cashback	Cash withdrawal without commission from ATMs of all banks, subject to monthly card payments for a total amount of 5 thousand rubles or more
The cardholder chooses a bonus program according to which he receives monthly rewards: cashback on goods and services of the user’s choice; bonus miles for traveling; general cashback for all product categories; bonuses for purchases that can be used to pay in stores and establishments that are partners of the program Every month the selected option can be replaced with a new one, but only one offer can be activated at a time	Depending on the selected option and the amount of monthly purchases, the amount of cashback and the amount of bonus points may differ: the more you spend, the more you get
Having a Multicard helps reduce the interest rate on a bank loan and increase the repayment period thanks to one of the options. While your own hard-earned money is on a debit card and earns some interest, you get the opportunity to spend interest-free credit funds(subject to a bank credit card) within 101 days. After this period, VTB will recalculate the loan and set the amount that needs to be repaid	On credit card which you will use, you can deposit your own funds, but it is more profitable to use a credit limit
You can order the product at any VTB branch, as well as online on the bank’s website. The waiting period is up to 10 days. For certain regions, delivery by courier to the stated address is available	There is a limit on withdrawals: up to 125 thousand rubles per day and no more than 1 million monthly, and to change the PIN code you need to pay for the operation
Free SMS notification is provided immediately after the operation. The service is activated at the request of the client	The VTB Pension Multicard is issued on the domestic MIR platform, which imposes restrictions on the use of the card outside the Russian Federation, but makes it possible to use bonus programs and free service
Replenishment of the card is also carried out without commission through ATMs, terminals and a special application for clients. When using mobile banking and transferring funds between the accounts of one person, no commission is charged	Viewing balances at other ATMs banking institutions paid
Transfers and payment for housing and communal services without commission	If transfers of government payments are irregular, the bank will automatically transfer the client to a debit servicing program on a paid basis (249 rubles/month)
If necessary, payments can be transferred to multi VTB card from another bank
Receiving up to 8.5% per annum on your account balance: accumulated funds remain liquid, that is, you can withdraw them without losing accumulated interest

Additional features of the VTB card for pensioners

You can change the bonus option monthly, taking into account your needs or expected expenses:

• Reduction of debt on a loan from VTB Bank and a 101-day period without interest on credit card spending with the Borrower program.
• Pay with Multicard, receive points and exchange them for offers from partners of the Collection point program.
• Earn miles for purchases with the Travel option.
• Get back some of your spending at gas stations and gas stations with the “Auto” cashback program.
• Fans of theatres, cinema and restaurants will love the “Restaurants” option.
• Get cashback on all product groups with the “ Cash Back».
• Save money with the possibility of withdrawal using the “Savings” option, more about which in the next paragraph.

Accrual of interest on the balance of the VTB pension card up to 8.5% per annum

TO nice bonuses for owners, interest is accrued on the balance on the VTB pension card. The effect is achieved by connecting the “Savings” option.

Depending on the period of accumulation, the interest on the balance increases: from 4 to 7%.

1-2 months the base rate will be 4%, from 3 months it will increase to 5%. After six months, the interest rate will be 5.5%, and from the 12th month it will reach a maximum value of 7%. Where does 8.5% come from then?!

In addition to the base rate, there are surcharges from 0 to 1.5%. Additional interest is charged for spending funds from the card:

• 0-5 thousand rubles – 0%;
• 5-15 thousand – 0.5%;
• 15-75 thousand – 1%;
• Over 75 thousand – 1.5%.

We add it up and we get that same 8.5%.

The option is included in one of seven bonus VTB proposals. Theoretically, the user has the right to change preferences towards one or another function on a monthly basis, but then the meaning of such a savings account is lost.

Who can apply

The holders of such a banking product can be persons who are already receiving or are just collecting documents for receiving pensions, including social ones:

1. Citizens of the Russian Federation of pre-retirement age. The fact is that in order to receive payments for plastic, you need to arrange for it in advance. Yes, the waiting period for production is short - only 2-3 days, but when submitting documents to Pension Fund It’s better to already have a ready-made sample. He doesn’t ask for food, no interest is charged, so the purchase is very useful.
2. Citizens of the Russian Federation who are already receiving payments from the Pension Fund of the Russian Federation, including retired military personnel and law enforcement officers.
3. Citizens of the Russian Federation who are 14 years old and have the right to receive social pensions.

Receiving a one-time payment is available on any bank card. To do this, it is not necessary to create a new one - provide the details of the existing one.

How to apply for a VTB Pension Card

Are you interested in the offer, but have no idea how to become the owner of a banking product for pensioners with ample opportunities? The procedure is very simple, since the bank has made it easy to obtain a Multicard.

What documents are needed

To apply for plastic, pensioners will need a minimum package of documents:

• Passport of a citizen of the Russian Federation;
• Pension certificate or certificate stating that you are a recipient of social benefits.

Plastic design

With this simple set you can come to a bank branch or fill out an online application on the official VTB website. The employee will choose the best conditions and additionally tell you about the card, plus for the older generation this is still a more familiar method. For those who are willing to spend time independently studying the features of plastic, the second option is suitable.

It will take 7-10 days to issue a card. After opening an account, you contact the Pension Fund with the details so that specialists will transfer or set up a payment to it.

Online ordering of a pension card

Filling out the form on the financial institution’s website is quite simple:

1. Follow the link to the desired page of the site. https://www.vtb.ru/personal/karty/pensionnaya-multikarta/#/collection
2. Scroll down the page a little and start filling out the form. Please provide your full name, mobile number and email address.
3. Enter your date of birth in the format (for example, 01/15/1965), check the specified gender, select the city where you will receive the card and click on the empty square confirming that you agree with the processing of your personal data. This is necessary so that the bank can process the application and not receive claims from you. The “Citizenship” column is filled in by default with the value “ Russian Federation” with the option to choose another option.
4. The system will automatically generate a first and last name that will be indicated on the plastic. Please also select the issuing office.
5. In the form, you need to come up with a code word that the bank employee will ask for each time you contact. What that word will be is up to you, but take this advice: write it down. Although financial organizations It is not recommended to record confidential information in order to avoid problems, this is the way out.

After filling out all the points, the system will ask you to check your phone number - they will send you an SMS with a code. It must be entered into a special window. Only after this will you be allowed to proceed further.

At the second stage, you will need to enter the data of documents, passports and pension certificate.

At the end of the procedure, you will be notified that your application has been accepted for consideration. When the card is ready, an SMS message will be sent to the number specified in the application with information about the place where the card is issued.

Receipt and activation

Having received a notification from the bank that the card is ready, all clients, except residents of Moscow, who have access to delivery by courier, go to the branch. Here you will be given a plastic card and a package of documents for it: brief information for pensioners on the possibilities and an individual PIN code with which the card is unlocked.

Do not share this information with anyone, because criminals can use it to seize funds.

The card can be activated by an employee or delegated to the client. The card will become active from the moment of the first transaction using it.

How to transfer payments to the MIR pension card from VTB

When receiving payments from the state in any other bank in Russia, a pensioner has the right to transfer accruals to VTB or completely change the method of receiving a pension:

• Open an account with VTB and wait to receive your payment.
• Contact the Pension Fund or the nearest branch of the MFC with an application to transfer payments to another institution and wait for notification of approval or refusal.

All government payments for this moment transferred to cards payment system WORLD, so state employees have no alternative. VISA and MasterCard continue to exist on the territory of the Russian Federation, but in the form of ordinary debit cards, not designed for transfers from the state, or credit cards.

Terms of Service

The card is valid for 3 years. There is no fee for service, unless the transfer of pension to the card is stopped - then the bank will automatically transfer the user to paid service. Such a pleasure costs 249 rubles per month - a bit much for pensioners.

How to top up your card

Because a debit card is designed to be used own funds owner, it can be replenished not only through monthly social payments, but also by making additional funds. You can do this in several ways:

1. At the cash desk of a bank branch with or without a card. If queues don’t scare you, because you don’t want to master new technologies, a cash register is the right solution. You can top up at any VTB branch.
2. Through banking equipment– ATMs and terminals. Modern ATMs not only have the function of issuing cash at the user’s request, but with their help money can easily be sent back to pension card.
3. At the post office. If we take very ancient methods, then in post offices they will also provide a similar service, but they will charge a commission for it, which you will have to pay.
4. Translation. If you have several cards, a transfer between accounts is available, for which no commission is charged. Any user can transfer to a card using different types of remote banking, and the commission is paid by the sender.

Let's sum it up

VTB Pension Multicard is:

• Debit card to receive social payments with expanded opportunities for receiving bonuses and cashback;
• Free registration at a bank branch or through an online service with a minimum package necessary documents;
• Free withdrawal and replenishment at VTB ATMs;
• Plastic designed for three years with subsequent reissue.

Are such functions enough for you for next to nothing?