How to choose a replenished deposit in VTB?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Those who do not want to save money at home, under the mattress, usually choose a reliable bank and open an account. One of the largest financial credit institutions - VTB Bank offers favorable conditions for opening a deposit with a replenishment function. It should be noted that one of the topical issues today is the availability of guarantees for the safety of invested funds. In VTB, deposits of individuals participate in the insurance program, according to which amounts up to 1,400,000 rubles are insured.

Conditions for making a deposit

First you need to decide on the conditions that will be taken into account when opening a replenished deposit in VTB. There are two ways to open a deposit account with a bank: by contacting a branch or through the Internet bank. The difference between these methods is the minimum amount for opening an account. To access remote services, you must have a bank card opened with VTB or VTB Bank of Moscow.

There are two replenishable deposits in VTB: “Replenished” and “Comfortable”. The first offers only to deposit funds, the second plus to thisfunctions and the possibility of repeated removal. Three types of currencies are available in which an account can be opened: rubles, US dollars or euros.

Comfortable deposit can be opened for a period of 6 to 61 months. However, this does not mean that the maximum percentage will be set for the maximum period. It is necessary to focus on the term, the best conditions fall on the period from 6 to 18 months (3.82%, taking into account capitalization).

"Refillable" deposit in VTB is proposed to be issued for a period of 3 to 61 months. The best option for getting high interest is to open an account from 3 to 6 months (5.82% with capitalization on the deposit).

Terms of replenishment and prolongation

A distinctive feature of individuals opening a deposit with VTB with a replenishment function is the ability to make the last deposit no later than 30 days before the end date. According to the established tariffs, the availability of automatic renewal of the contract is present in both lines of deposits, but with a reservation - no more than two times. The interest rate will be the same as the one in effect at the time of renewal.

Terms, amounts of contributions and withdrawals

If we talk about terms, then the client can choose a convenient date for the end of the deposit, up to the number of days or a specific day. If you wish to withdraw funds from the “Comfortable” account, the client should know that at the bank’s cash desk he will be able to indicate an amount of 15 thousand rubles. This operation through the Internet bank will allow you to transfer funds from a deposit to a card without restrictions, regardless ofaccount currency.

The minimum amount for opening a replenished deposit in VTB depends on the chosen service method. In the branch, it will be from 100 thousand rubles, remotely, through the Internet bank, - 30 thousand rubles. It is also worth noting that when working through an online resource, the client gets the opportunity to make additional contributions for a minimum amount of 1 ruble, 1 dollar or 1 euro. If the deposit was opened by an operator in a bank branch, then this will also affect the amount that can be deposited into the account. In particular, when it comes to rubles, then starting from 15 thousand rubles or 500 $, 500 €.

Recently, many depositors leave recommendation reviews about the replenished deposit in VTB. It concerns the choice of its duration. Since the situation on the market is constantly changing, it is advisable to choose a short period for storing funds, for example, 3 or 6 months. This allows you to respond in time to changes in the bank's tariff conditions and transfer funds at more favorable interest rates.

Interest and capitalization

Both deposits provide for a single system of monthly interest. There is also a condition for the capitalization of funds. Figuratively speaking, when accrued interest is added to the balance of the deposit and next month interest is accrued on the balance with interest already accrued.

Savings account

The best option for those who constantly use the card and non-cash payment for goods and services,at the same time, he wants to receive the maximum income on the account, - a replenished savings deposit in VTB. This account is used without time limits, the amount of the contribution can be any. In this case, there is one condition that requires the opening of a multicard with a savings function. A savings account can be opened with a specialist in a branch or through an Internet bank. The more funds are in the account, the higher the percentage. For example, if you spend 15 thousand rubles from the card per month, then starting from the first month, 5.5% per annum will be credited to the account balance, and starting from the 12th month - 8%.

At the same time, you can withdraw funds from your account and replenish an unlimited number of times. For the convenience of users, the option of automatic replenishment from the card to the savings account is configured. Thanks to convenient conditions, many users have managed to appreciate the advantage of free use of funds and the possibility of receiving additional income in the form of interest.