VTB deposits for pensioners

Distinctive characteristics of deposits for pensioners in VTB

The main difference between pension deposits and ordinary ones is the relatively high interest rate, which is charged on preferential terms and depends on the type of currency. This means that upon presentation of a pensioner's certificate, a preferential mark-up is added to the total deposit rate in the amount of:

• 0.25% - for ruble deposits;
• 0.1% - for a deposit in another currency.

In addition, deposits in banks for pensioners belonging to the VTB network have the following capabilities:

• Automatic transfer of pension to a deposit account.
• The choice of the method of obtaining and calculating interest.
• Premature withdrawal of money or closure of a deposit on preferential terms.
• The choice of the type of currency.
• Execution of a power of attorney for another person or a notarial will for a deposit.
• Deposit insurance in accordance with the Federal Law of the Russian Federation.

Terms of the term deposit "Freedom of choice"

VTB Bank offers customers to independently choose the main parameters of the deposit, as well as control expenses and receipts. There are several options for calculating interest and capitalization on the "Freedom of Choice" deposit:

• monthly;
• quarterly;
• upon expiration.

The main characteristics of the deposit

• The range of offered currencies includes ruble, euro, dollar.
• The client chooses the term of the deposit himself, indicating a specific day within the time frame from 30 days to 61 months.
• The value of the preferential deposit rate for pensioners in the Moscow region is 11.6% per annum. When replenishing the deposit and when the amount moves to a higher range, it increases.
• Adding funds to the deposit is provided during the full validity period both by non-cash method and in cash.
• Withdrawing money is allowed within the amount of interest, but not more than the minimum limit of the amount range to which the deposit belongs.

The number of automatic prolongations depends on the period for which the deposit is open:

• from six months to 5 years - within 2 times;
• from 1 to 6 months - maximum 4 times.

If there is a premature termination of the agreement, then the amount of accrued interest depends on the actual period of time that the money is on the deposit:

• less than 181 days - at a valid demand rate;
• more than 181 days - 0.8% of the rate effective at the time of opening.

The smallest initial contribution is:

• 15,000 rubles;
• 1000 euros or dollars.

There is a limit on the maximum amount for the additional deposit of money:

• 100 dollars or euros;
• 1000 rubles.

The main difference between the deposit is the interest rate, the amount of the minimum amount and the term of placement. This deposit, like the previous one, has three options for calculating interest and capitalization:

• monthly;
• quarterly;
• at the end of the valid period.

Main characteristics of the contribution

• There is a choice of currencies in the form of rubles, dollars and euros.
• The designated term of the deposit is 36 months.
• The amount of the interest rate is fixed, is determined by the interest payment method and is 7.75% per annum in Moscow. Its growth occurs at the end of the year, and is directly proportional to the size of replenishment and the amount range.
• At the request of the client, the accrued interest is transferred to the account or added to the amount of the deposit.
• Additional contributions are credited by non-cash and cash method at any time of the validity period of the deposit. The minimum amount is limited in the same way as for the "Freedom of Choice" deposit.
• Withdrawal of funds is limited by the size of the minimum border of the amount range. Within 6 months, expenditure actions are allowed in the area of ​​the amount of capitalized interest. After 6 months, any transactions that do not exceed the limit are carried out.
• The maximum number of automatic renewals is 2 times. In this case, the rate is set, which is equal to the current one for the deposit. Other conditions do not change.

Premature termination of the deposit is allowed under the same conditions as the "Freedom of choice":

• up to 181 days - demand interest is accrued;
• over 181 days - the rate is multiplied by a factor of 0.8, resulting in a partial loss of interest.

The smallest down payment is more than for the above-described deposit and is:

• 30,000 rubles;
• 500 euros or dollars.

How is the registration of deposits for pensioners at VTB 24

To open one of the deposits described above, you should yourself visit a banking institution and provide the documents:

• pension insurance certificate;
• passport;
• a certificate obtained from the branch of the RF Pension Fund.

The time for consideration of the application will take 3-5 working days from the date of submission of the required documents. The bank checks the accuracy of the data and makes a decision. The specialist personally contacts the client and informs about the result. It is possible to draw up a will or a power of attorney for deposit funds at a notary.

1. It should be noted that the terms of ordinary deposits "Growing Income and Freedom of Choice" provide for the possibility of opening them for a third party. But the corresponding preferential deposits with higher rates are allowed to be issued only to the bearer of the pension certificate.
2. The convenience of VTB 24 customers is ensured by remote service systems. With the help of Teleinfo, depositors receive detailed information about the deposit and a statement for the required period. The Telebank system allows you to replenish and manage deposits. To connect any of the services provided, please contact any VTB office.
3. Pay attention to the different periods of capitalization and interest payments of the above deposits. Monthly capitalization is considered more profitable than at the end of the term. But at the same time, the size of the interest rate should be taken into account, which determines the profitability of the deposit. You can calculate the profit earned on your own or using the calculator located on the main VTB website.