Bank vtb 24 deposits of interest. VTB24 deposits - a choice

Bank deposits- although they belong to the least profitable ways investments of funds remain, are in demand today among the population, due to the lower riskiness of the process, provided that the economy is stable. VTB 24 deposits for individuals are represented by a wide range of programs, the interest rates and conditions of which make it possible to profitably store savings.

Why VTB 24?

A bank deposit or deposit is an amount of money put into financial circulation by a bank, contributed by an individual to a certain period at a percentage. The invested money, taking into account the accrued interest, the bank is obliged to return to the owner in full on time, according to the terms of the signed agreement.

Today VTB 24 ranks second after Sberbank in terms of the volume of deposits by individuals and confidently holds the brand of a stable and reliable financial institution.

The range of deposit projects will allow an individual to choose the most profitable and suitable option. All deposits in VTB 24 are protected and in the event of damaging circumstances stipulated by the agreement, the bank undertakes to return the funds to the client in the amount of 100% of the deposit amount, but not more than 1 million. 400 thousand rubles.

Deposit programs at VTB 24

What are the types of deposits in VTB 24:

• "Profitable".
• "Accumulative".
• "Comfortable".
• "Seasonal".

Tariffs and interest on deposits are subject to detailed comparison with a comparative purpose in order to select the most profitable offer.

Profitable

A “profitable” deposit in VTB 24 is issued for a period of 3 to 60 months. The interest rate is fixed and depends on the term, size and currency of the money entrusted to the bank.

The "Profitable" deposit offers the following conditions:

• Interest charged monthly can be converted to Extra capital or credited to the account;
• Early closure of the deposit on preferential terms;
• There are no additional fees and costs;
• The deposit is automatically extended no more than twice;

Each monthly period has its own specific figures regarding the annual rate.

Related article:

Conditions savings deposit at VTB Bank 24

• Interest is accrued to the "master account", funds are not formed into additional capital;
• Additional contributions and cashing out during the current period of the deposit is not planned;
• In case of premature completion of the process, interest is charged in the amount of 0.01% (demand rate);
• The extension of the deposit takes place automatically;

You can make such a deposit online with an increased rate on the VTB 24 bank's page (official website - www.vtb24.ru), or at a branch, for convenience, having pre-registered through the special service "Electronic Recording".

Which of the deposits is the most profitable?

You can calculate deposits on the VTB 24 bank's web page using the calculator function. In the lines, you need to set the size of the investment, the term, additional contributions and the program will automatically show the total amount of income. The calculation can be done in any currency. The table shows comparative data on ruble deposits with a minimum amount issued for one year.

Savings account

Unlike deposits, a savings account allows an individual not only to receive interest for keeping finances in banks, but also to use it in full:

• Withdraw funds up to the minimum amount without deprivation of interest (transfer to the "master account");
• Top up with different amounts without restrictions;
• Possibility to connect the service of automatic replenishment or transfer of funds from the savings account to the current account;

Conditions of a savings account at VTB 24:

Features in service:

• You can withdraw funds from the savings account only by transferring money to the current balance;
• Money transfer is not possible to the accounts of third individuals or other banking organizations;
• The ability to repay credit debts;
• Replenishment takes place in cashless form using the current account;
• When closing the savings account, interest is not charged for the month in which the contract was terminated;

It is now possible to open deposits of individuals with VTB Bank both in rubles and in foreign currencies - dollars and euros. How to arrange the most profitable deposit in rubles, the correspondents of the business information agency TOP-RF.ru ​​told. And in this review, the focus is on VTB's foreign currency deposits.

Incidentally, they have recently been gaining great popularity among the population of Russia. The reason for this was the high interest rates, which, for some positions, are even more profitable than those of foreign currency deposits in Sberbank.

Considering that the exchange rate of the dollar and the euro against the ruble is growing from year to year, deposits in foreign currency make it possible to earn twice:

1. at an interest rate;

2. on the growth of the dollar and euro.

The percentage of foreign currency deposits, it would seem, is lower than the ruble. But given them double benefit, investments in dollars and euros can be much more profitable than deposits in rubles. What kind of foreign currency deposits can be made with VTB Bank today?

Currency VTB deposits to date

In 2019, VTB Bank has a fairly wide range of individual deposits for investing not only in rubles, but also in US dollars and euros. It is assumed that everyone can choose a product with a favorable interest rate on terms convenient for themselves, depending on how the depositor intends to dispose of the money. Let's say you want ...

• 1. Keep a certain amount in the bank... In this case, you should pay attention to the "Profitable" deposit.
• 2. Top up your bank account... If you plan to save money, you can open the “Replenishing” deposit.
• 3. Use savings occasionally. There is also an offer for such clients - this is the "Comfortable" deposit.

Deposits are made at a bank branch, as well as online - via the Internet.

Is it profitable to open with VTB foreign currency deposits online?

Deposits with VTB Bank can be opened in branches, of which there are many not only in Moscow and St. Petersburg, but also in other cities of Russia. And you can make a deposit online via the Internet or at an ATM.

Recently online deposits at VTB (opened via the Internet) had more than high percent, in comparison with those that are issued directly at the bank branches. But today the rates for almost all online and ordinary VTB deposits have become equal.

But we must remember that the minimum amount of a deposit opened in a branch is 3,000 dollars or euros, and an online deposit is only 500. The only exception is the "Comfortable" deposit, where the minimum amount in both cases is 3,000 dollars or euros.

By the way, ruble deposits also have such a fork: the minimum amount is 30,000 rubles when applying online and 100,000 rubles when opening in the office.

This, by and large, is the whole difference between regular and online deposits for individuals persons VTB to date.

Deposits VTB 24 rubles, in dollars and euros for today: conditions and interest

Consider the interest rates and conditions of foreign currency deposits of individuals, which are currently offered by VTB Bank to the population of Russia.

VTB 24 "Profitable" deposit: interest and conditions

This is a deposit with an increased (compared to other bank products) yield - up to 7.16% per annum in rubles, 3.38% in dollars and 0.96% in euro-currency. It is really beneficial for the population. But there are also disadvantages: you cannot withdraw money without losing profitability and replenish the account. The deposit is suitable for those who can put a large amount in the bank and withdraw interest on a monthly basis. However, capitalization of interest is also allowed.

Conditions

• ☑ Minimum amount:
  - 100,000 rubles. / 3,000 dollars or euros - at the office;
  
• ☑ Preferential terms of early termination: when the deposit is closed after 181 days, interest is paid at the rate of 0.60 interest rate set upon opening / prolongation;
• ☑ Replenishment: not provided;
• ☑ Expense transactions: not provided;

Annual interest rates

(nominal rate / including interest capitalization)

in dollars, when opened at a bank branch and online:

in euros, when opened at a bank branch and online:

in rubles, when opened at a bank branch and online:

> 8.66% per annum in rubles.

See also what interest rates on deposits are offered by Sberbank today →

VTB 24 deposit "Replenishing": interest and conditions

This deposit for individuals is good because the account can be replenished without restrictions and thus receive additional benefits from savings. And the downside is that you cannot withdraw funds without losing profitability. And the percentage is not very high. A deposit is made at a bank branch or online.

Conditions

• ☑ Term: from 3 months to 5 years;
• ☑ Minimum amount:
  - 100,000 rubles. / 3,000 dollars or euros - at the office;
  - 30,000 rubles. / 500 dollars or euros - online.
• ☑ Additional contributions:
  
  
• ☑ Growth of the interest rate as the account is replenished;
• ☑ Expense transactions: not provided;
• ☑ Automatic renewal: no more than 2 times;
• ☑ It is possible to open a deposit in favor of a third party.

Annual interest rates

in US dollars, when opened at a branch or online:

Surcharges for VTB Multicard holders with the Savings option enabled:

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

Maximum interest rate, taking into account the surcharge:

> 7.82% per annum in rubles.

Compare the profitability of VTB 24 deposits and the most favorable deposit rates for today in banks in Moscow and St. Petersburg

VTB 24 "Comfortable" deposit: interest and conditions

This deposit for individuals is good because it allows you to freely replenish your account or withdraw funds in a convenient mode for the client. But his rate is the lowest among the bank's products. A deposit is made online or at a branch.

Conditions

• ☑ Term: from 6 months to 5 years;
• ☑ Minimum amount:
  - 100,000 rubles. / 3,000 US dollars or euros - at the office;
  - 30,000 rubles. / 3,000 US dollars or euros - online;
• ☑ Replenishment: provided;
• ☑ Additional contributions:
  - from 15,000 rubles. / USD 500 / EUR 500 - at the office;
  - from 1 rub. / 1 dollar or euro - online;
• ☑ Partial withdrawal without loss of interest: provided up to the amount of the minimum balance;
• ☑ Minimum withdrawal amount:
  - from 15,000 rubles. / 500 US dollars or euros - to the office;
  - from 1 rub. / 1 dollar or euro - online;
• ☑ Monthly accrual of interest with capitalization or payment to the account;
• ☑ Automatic extension of the deposit (no more than 2 times);
• ☑ It is possible to open a deposit in favor of a third party.

Annual interest rates

(nominal rate / including interest capitalization)

in US dollars, opened at the branch or online:

in euros, when opened at a branch or online:

in rubles, when opened at a branch or online:

Surcharges for VTB Multicard holders with the Savings option enabled:

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

Maximum interest rate, taking into account the surcharge:

> 5.66% per annum in rubles.

VTB "Growth Time" deposit: interest and conditions

This is a seasonal deposit with the maximum (in comparison with other products of the bank) yield - up to 7.70% per annum in rubles. Its advantage is its high interest rate. But there are also typical seasonal deposits cons: you cannot replenish the account and withdraw money without losing profitability. In a word, this deposit is suitable for those who can put in the bank large amount and withdraw monthly interest on life. However, capitalization of interest is also allowed. The main thing is, if you liked this deposit, hurry up: on these conditions the "Growth time" deposit can be issued only until April 30, 2019!

Conditions

• ☑ Term: 180, 380 days;
• ☑ Minimum amount: 30,000 rubles.
• ☑ Monthly accrual of interest: with capitalization or payment to the account;
• ☑ Automatic renewal: not provided;
• ☑ Early termination: at the rate of demand deposit;
• ☑ Replenishment: not provided;
• ☑ Expense transactions: not provided.

Annual interest rates

When opening at a bank branch

The profitability of a deposit for holders of a VTB Multicard with the "Savings" option depends on the spending on the card.

Deposit calculator VTB 24: calculate the profitability of the deposit

Deposits VTB 24 Privilege: favorable interest rates

Bank clients with the current Privilege package of services today have access to special conditions on deposits for individuals. VTB 24 premium deposits are also divided into:

• "Comfortable Privilege" - with replenishment and partial withdrawal without loss of interest;
• "Accumulative Privilege" - with the possibility of replenishment;
• "Profitable Privilege" - with the most favorable interest rate.

Conditions of individuals' deposits VTB 24 Privilege

The line of Privilege deposits from VTB 24 offers a wide range of the minimum opening amount. It ranges from 20,000 to 300,000 in dollars or euros. You can also open VTB 24 Privilege deposits in euros, pounds and francs.

Deposits can be made for a period of 3 months to 5 years. They differ from the deposits of the basic line of VTB 24 mainly by their higher profitability.

Interest rates for individuals' deposits VTB 24 Privilege

Consider the interest on deposits of VTB 24 Privilege in rubles, as the most common (taking into account the capitalization of interest).

How to open VTB deposits for individuals

You can make a deposit in VTB Bank today in the following ways:

• - At any branch of the bank upon presentation of an identity document.
• - Via Internet Banking. After opening a deposit, you can receive an agreement at any branch of the bank upon presentation of an identity document.

How to make a deposit

You can replenish the deposit both at the office of VTB Bank and online.

• In the department... To do this, you need to contact a bank employee, indicate the account details and enter the required amount. But we must remember that deposits for individuals opened with VTB can only be replenished at the bank's branches in the region where they were issued.
• Online... You can also transfer money to the deposit account in the VTB-Online system using bank card, which is much more convenient.

About the bank

VTB Bank - universal commercial Bank c state participation... More than 60% belongs to the state. The bank's head office is located in Moscow, the bank is registered in St. Petersburg. VTB is one of the leaders in the country in terms of assets and size authorized capital... Over the past few years, the bank has taken over the Bank of Moscow and VTB 24.

All VTB deposits are insured. Reimbursement for deposits, if an insured event occurs, is paid in the amount of 100% of the amount of deposits in the bank, but not more than 1,400,000 rubles.

Contacts for inquiries and consultations

Find out more about interest rates and conditions for individuals' deposits at VTB 24 on the official website www.vtb24.ru or at the bank's branches.

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

VTB Bank operates in accordance with the general license of the Central Bank of the Russian Federation No. 1000. All information is for reference only and is not a public offer.

Quick navigation

VTB Bank of Moscow - Types of deposits for today

Deposit "Comfortable"

Minimum deposit- 100 thousand rubles. Time frames range from 91 to 1830 days. Max. interest rate - 3.75% per annum. Interest can be received every month or capitalized. The conditions provide for: 2 times auto-renewal, early termination for preferential terms, opening online, as well as partial withdrawals and deposits with some restrictions.

Deposit "Profitable"

The minimum amount is 100 thousand rubles. Time frames range from 91 to 1830 days. Max. rate - 6.2% per annum. Interest can be received every month or capitalized. The conditions provide for: auto-renewal (2 times) and early termination on favorable terms. No partial withdrawals and deposits. Important: When making a deposit through the system banking services Telebank interest rate will be increased by an average of 0.4% per annum.

Deposit "Replenishing"

The conditions are similar to the conditions for "Favorable" with the difference that the possibility of replenishment has been added (at least 15 thousand rubles). However, interest rates are lower - up to 5.75% per annum.

Deposit calculator for deposits VTB Bank of Moscow

Having chosen the best rates on deposits in VTB Bank of Moscow for today, you can use our special calculator in order to calculate the VTB deposit.

Fill in all the fields and click on the "Calculate" button. It is important to note that to enter fractional numbers, you must use a comma, not a period (for example: 20.2, not 20.2), otherwise the calculator will not work.

The most reliable financial structure according to The central bank Russia, is very popular, as it provides residual favorable conditions for cooperation. Vneshtorgbank provides a wide range of tariff rates on credit products and contributions. At the beginning of 2015, VTB 24 offered a profitable deposit to the attention of existing and potential clients. This proposal was developed on the basis of a complex economic situation in Russia, therefore, it provides very loyal conditions.

Target audience - individuals. The service is very popular with pensioners, as it has the most loyal conditions and allows you to accumulate a good amount. The goal is the most profitable for the client investing personal Money... You can invest money both in Russian rubles, so in euros and dollars. The minimum amount for replenishing a ruble account must be at least 100 thousand rubles. The maximum for a deposit is 1 million 500 thousand rubles. in dollars, you can deposit at least 3000 cu. e.

Please note that there is no possibility of replenishment during the validity period. Partial withdrawals are also not provided. If the client urgently needs to return the deposit, the entire amount is returned, and the interest rate is reduced to 0.01%. That is why you should calculate your capabilities before making a deposit, so as not to be left with nothing.

VTB 24 deposit Profitable for individuals in 2019

Among the features of the Profitable contribution for 2019 should be allocated interest rate, which is 10% and depends on the following criteria:

1. The size of the deposit. How larger amount contributed, the more income you can expect.
2. A period of time. Longer terms are paid much more generously than shorter ones.
3. Conditions for calculating interest. If you use the capitalization service, then financial institution provides more loyal conditions by raising the interest rate.
4. Using additional systems for opening. When submitting an application through Telebank-online, the interest rate increases.

VTB 24 provides the same conditions for the Favorable deposit for everyone. Investment terms vary within 3-60 months. Each client has the right to take advantage of the preferential program, which provides for the possibility of terminating the contract. It provides for a decrease in the interest rate to 0.6%, from the originally established under the contract. For example, if a user makes a deposit of 100 thousand rubles at 8.5% per year, then in case of premature termination of the contract, the interest rate will be only 0.5% of the amount.

Termination of the contract is possible no later than 3 months from the date of signing. The terms and conditions stated in the legally relevant document are not subject to change. In this case, the only option for returning the entire amount of the deposit is such an option as early termination of the transaction.

If the possibility of closing the deposit with the depositor before deadlines is absent, then the renewal service is activated - automatic renewal. In this case, no additional fees are charged. If the client made a deposit for a period of 6 months and could not appear at the bank in order to close the account and withdraw all funds along with the accrued interest, then the terms are automatically extended for another six months.

Features of cooperation under the program

An application submitted by a depositor is considered within 5-10 minutes. If it comes about cooperation via the Internet, then the manager in mandatory calls back a potential client to the number specified in the application form mobile phone to clarify information.

Large amounts of the deposit are insured. For client this service provided free of charge. Such a measure excludes the likelihood that funds will be lost for one reason or another. Insurance will be paid for each deposit separately if the bank's client has several deposits.

VTB 24 contribution Profitable online calculator

Everyone needs to learn how to manage the funds received, plan their expenses in relation to the income received and save for unforeseen circumstances. A smart decision is to increase your savings. Let's try to figure out how to make a profit when placing free funds on VTB deposits, what conditions are included in the bank's agreement on opening a savings account.

What are the deposits in VTB 24 today

On the market financial services the bank occupies a leading position in terms of institution performance and reliability. This can explain the willingness of citizens to trust their deposits to VTB. The guarantees for the return of invested funds have been increased due to the bank's entry into the system compulsory insurance deposits. For clients to choose from, for specific financial opportunities investor, interesting savings programs are offered. It is important to consider the following:

1. Physical and legal entities.
2. You can open an account for calculating interest on savings in the office of the institution or remotely from your personal account.
3. For investments, clients can choose any currency: national (rubles) or foreign (dollars, euros).

Offline deposit

There is a traditional way to open a deposit at VTB 24 at interest - in the office financial institution... This option is used mainly by older people - it is convenient for them to communicate with a bank employee about the conditions for investing funds and they can ask questions about the urgency, size and profitability of deposits, the possibility of replenishing and spending funds.

Online deposits

Very little time is needed for a client to open a savings account outside banking institution- via internet banking. There are no restrictions on making online deposits by type of accumulation. For remote opening, clients are offered ruble and foreign currency deposits in VTB banks 24. When opening a savings account online, depositors automatically become members of the Collection program, and they have bonuses that can be exchanged for goods.

Deposit in VTB 24 for individuals

The overwhelming majority of the Russian population can arrange the following deposits in VTB 24 banks:

• Comfortable;
• Cumulative;
• Profitable.

VTB Bank of Moscow depositors are offered other savings conditions; they can increase their savings with the help of time deposits:

1. Fast income. It is a seasonal promotion with an increased (8.9%) rate. You can open it until July 31 without the right to prolongation, replenishment and withdrawal of funds.
2. Maximum income... Designed to maximize profits due to high interest rates without the ability to replenish or withdraw money.
3. Maximum growth. Under the terms of the funded product, customers can make additional contributions and increase the profitability of savings by increasing the size of the base for calculating interest.
4. Maximum comfort. The terms of the agreement allow you to replenish your deposit savings and use them.

Comfortable

This type of savings is convenient for depositors. They can make a big profit by replenishing their savings, and use the funds as needed. Under the terms of the contract for deposit VTB 24 Comfortable There is no time limit for replenishment or withdrawal, but the last installment can be made no later than 30 days before the end of the accumulation period. You can automatically renew the term of the deposit agreement twice. In case of early withdrawal of funds, interest is calculated at the demand rate.

Cumulative

Compared with the previous one, with this method of increasing own funds the client can get more profit due to the increased interest rate. The depositor must calculate his financial capabilities well, because he can replenish his savings, but he cannot use money from a deposit account. Rollover conditions, interest accrual for early termination of the agreement, the period for making the last replenishment on the Accumulative deposit do not differ from the Comfort one.

Profitable

With this type of accumulation, you can get the largest profit at the expense of the maximum interest rate. Depositors do not have the opportunity to additionally deposit funds or withdraw money, but they can prolong the term of the agreement twice. An advantageous clause of the agreement is the possibility of its termination on preferential terms - after six months of accumulation in case of early withdrawal of funds, interest on savings is accrued in the amount of 60% of the current interest rate.

Special offers on deposits

There are banking products for which an increase in interest rates is provided. Thus, for clients of financial institutions of the VTB Bank of Moscow group, an increase in the interest rate by 0.3% is provided for VTB deposits, which are opened through Internet banking. For bank clients from other regions of Russia additional bonuses provided for payroll clients and is charged increased rate for savings to the owners of the Privilege package. Depositors participating in the Collection program can receive bonuses and exchange them for goods if they:

• made an investment online;
• prolonged the term of the contract;
• replenished VTB deposits: Accumulative or Comfortable;
• opened the following savings account.

For retirees

For citizens of retirement age in most regions of the country, additional types of savings and benefits are not provided. They can save using banking products:

• Comfortable;
• Cumulative;
• Profitable.

In financial institutions VTB Bank of Moscow, pensioners are offered an increased rate on general views savings and a special banking product for savings - Current retirement. It is indefinite and involves the deposit and withdrawal of funds without restrictions on the amount and time. The value for this type of accumulation is not regulated down payment and the minimum balance, the interest rate is set at 4% per annum.

For holders of salary cards

Bank customers who receive payments to an account with a financial institution throughout the country are invited to use a beneficial service - connect to debit card Savings account. Such an operation does not impose restrictions: on the funds received, on the client's actions - money can be withdrawn, deposited around the clock in any amount. The benefits of the service will be tangible - 7.5% per annum is charged monthly on the minimum balance. The service can be connected at the bank office and online, it can be used to receive additional income pensioners.

Privilege package

Clients of a financial institution can increase their income after registering the "Privilege" package. They are offered higher interest rates on VTB deposits: Profitable, Savings, Comfortable and when connecting to the Savings account. Free registration of the package is provided for clients of a financial institution:

• who keep funds in the bank in excess of 1,500,000 rubles;
• if the balance on the master account exceeds 750,000 rubles;
• if average monthly calculations the card amounted to more than 55,000 rubles;
• in the presence of mortgage debt exceeding 3,000,000 rubles.

How to open a deposit in VTB 24 for individuals

Customers have a choice of two options for placing money on deposits in VTB 24 banks:

1. The execution of the accumulation agreement is carried out by a bank employee. Opening a savings account at a branch of the institution takes no more than fifteen minutes, but the negative aspect of servicing at the bank is the waste of time visiting the bank and waiting in line.
2. Online by yourself. To do this, go to banking system across Personal Area, select the New item in the VTB Deposits section and click on it. It is necessary to indicate the amount expected to be deposited and the conditions for depositing and withdrawing funds defined for yourself. After that, the system will offer options for savings - you need to choose a convenient way of saving and click on it. The service is available to customers who have entered into a comprehensive service agreement.

Terms of deposits in VTB 24

The bank has a flexible approach to the development of savings programs, depending on the specific needs of the depositor. The created banking products differ from each other:

• the presence or absence of the ability to manage savings - to deposit additional funds and withdraw them;
• investment period;
• the amount of the initial payment (minimum balance), the size of the withdrawal and replenishment limit;
• the size of the interest rate.

Minimum deposit amount

For banking products Savings account and Current pension there are no restrictions on the amount for opening a deposit. The sizes of initial contributions (minimum balances) for other types of savings in the bank are regulated. Information about minimum amounts the contribution for opening a deposit is shown in the table:

Urgency

All banking products for accumulation are urgent, because they involve the conclusion of an agreement for a certain period. The exception is the Savings account and the deposit for pensioners Current pension - they are unlimited. Accumulation agreement for deposit products Savings and Profitable can be signed for a period of 91 to 1102 days, for a Comfortable one - from 181 to 1102 days. Fixed-term savings agreements on deposit products of VTB Bank of Moscow are 91-1095 days, with the exception of the Fast Income deposit product, which is concluded for 121 days.

Top-up limit

For deposit products Accumulative, Comfortable, there is a possibility of replenishment with a limit on the amount, minimum size the limit of the additional contribution is 30,000 rubles. When you make a replenishment, the amount of savings increases and the next level of the amount range is reached, which is considered a new minimum balance.

If you have the right to withdraw, you can use the funds only until the level of the minimum balance is reached. In VTB Bank of Moscow on deposit products Maximum Growth and Maximum Income, there are no limits on replenishment. The amount of funds withdrawn is regulated by the established amount ranges of the minimum balance.

Interest on deposits in VTB 24

For 2019, the administration of the financial institution made a decision for the majority of clients (with the exception of those who issued the Privilege package) not to make the interest rate dependent on the amount of savings. Thus, all investors, with higher and lower incomes, are put on an equal footing and can receive good profits. The value of the interest rate is affected by the accumulation period - with the increase in the term of the deposit, the accrual of interest decreases.

At VTB Bank of Moscow, the interest rate on deposits increases with the achievement of a new level of the sum range and decreases with an increase in the accumulation period. Information on the distribution of interest rates on deposit products is given in the table:

How are accrued

Interest on VTB deposits is accrued monthly. Clients are given the opportunity to choose the method of using the accrued funds:

• transfer to a master account;
• receive in cash at the cash desk of the branch;
• add to total amount savings to increase income (capitalize interest).

How to calculate the contribution of VTB 24

The wide variety of banking products can make it difficult to determine the right option. The depositor first needs to predict subsequent income and expenses and assume whether he will need savings in the future or whether he will be able to save money additionally. Holders of high earnings can safely choose a deposit product with maximum rate Profitable, not involving replenishment, but providing high profitability, if they do not plan large expenses.

The client can invest a smaller amount that he can afford, get a slightly lower interest rate, but, if possible, make additional contributions and so increase his income. For depositors with a small income, it is better to use the Comfort deposit product - with it you can increase savings additional contributions and use the funds if necessary. Do right choice it is possible by calculating and comparing the profitability of all types of deposits, changing the amount of the initial payment and the size of the VTB 24 rate on deposits. It is difficult to do it on your own.

Online calculator

Banking service a deposit calculator is provided on the official website of the institution. With its help, you can calculate all options for savings and choose the one suitable for a specific situation. For the calculation, it is necessary to enter in the cells the estimated amount of the deposit, the duration of accumulation, indicate the options for using interest (withdrawal or capitalization), and, if replenishment is planned, indicate their value and frequency. After receiving the results of profitability for all possible options you need to compare them and make a decision.

Video: how to open a deposit in VTB 24 online