VTB deposits for individuals in 2021 in rubles

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

Deposits in VTB for today for individuals can be placed on favorable terms in rubles. And with the help of an online calculator, it is easy to calculate the profitability. Below is an overview of deposits with registration conditions and updated interest rates in 2021.

Deposit "Profitable"

VTB Bank offers for individuals in 2021 to issue a "Profitable" deposit. The offer for today will help clients to multiply rubles and will allow them to receive a fixed income with a maximum annual rate of 5.33%.

Conditions:

• the starting amount of the deposit is 30,000 rubles when applying online and 100,000 rubles - at the bank's office;
• duration of the offer - from 3 months to 5 years;
• lack of replenishment service;
• no withdrawal option;
• interest is calculated monthly with capitalization and payment to the account;
• extension in automatic mode - maximum 2 times.

Interest rates per year for registration at the bank's office or on the Internet without the "Multicard":

• from 3 to 6 months - 4, 30% / 4, 32%;
• from 6 to 13 months - 4, 35% / 4, 39%;
• from 13 to 18 months - 4, 30% / 4, 39%;
• from 18 to 24 months - 4, 30% / 4, 43%;
• from 24 to 36 months - 4, 15% / 4, 32%;
• from 36 to 61 months - 4, 00% / 4, 24%.

Additional payments are provided for the owners of the "Multicard" with the active option "Savings":

• 0.5%, if expenses are from 5 to 15 thousand rubles;
• 1% if expenses are from 15 to 75 thousand rubles;
• 1.5% - for expenses over 75 thousand rubles.

The highest annual percentage on "Multicards" from VTB is 5.33%.

The yield on the deposit is calculated in accordance with the amount of the deposit not exceeding 1.5 million rubles.

The deposit is suitable for clients who can deposit a large amount into a bank account and withdraw interest on current expenses every month.

Deposit "Replenishing"

Deposit with the possibility of replenishment for the owners of "Multicard" with the active option "Savings".

Conditions:

• tariff - up to 5.53%;
• the starting amount of the deposit is 30 thousand rubles when applying online and 100 thousand rubles - in the office;
• duration of the offer - from 3 months to 5 years;
• there is no possibility of withdrawal;
• replenishment is expected.

Profitability of a savings account when issued in a bank office or on the Internet without a "Multicard":

• from 3 to 6 months - 3.80% / 3.81%;
• from 6 to 13 months - 4, 00% / 4, 03%;
• from 13 to 18 months - 3.85% / 3.92%;
• from 18 to 24 months - 3.85% / 3.96%;
• from 24 to 36 months - 3, 60% / 3, 73%;
• from 36 to 61 months - 3.35% / 3.52%.

There is a surcharge for the owners of the "Multicard" for expenses in the amount of:

• from 5 to 15 thousand rubles - 0.5%;
• from 15 to 75 thousand rubles - 1%;
• more than 75 thousand rubles - 1.5%.

Interesting! Minimum wage in the Moscow region in 2021

The yield limit on the deposit is calculated on the basis of the maximum amount on the account - 1.5 million rubles.

The advantage of this deposit for individuals is the replenishment without restrictions, which brings additional benefits from savings. Disadvantage - withdrawals are possible only with a loss of profitability.

Deposit "Comfortable"

The advantage of this deposit from VTB in 2021 is the ability to replenish and withdraw funds in rubles in a convenient format for individuals. You can apply for it both online and at the office of a banking institution.

Conditions:

• tariff - up to 5, 18%;
• the starting amount of the deposit is 30 thousand rubles when applying online and 100 thousand rubles - in the office;
• duration of the offer - from 6 months to 5 years;
• the possibility of replenishment;
• the option "Withdraw" is provided.

Annual accrual of interest when opening an account in a bank office or on the Internet without a "Multicard":

• from 6 to 13 months - 3, 65% / 3, 68%;
• from 13 to 18 months - 3.40% / 3.46%;
• from 18 to 24 months - 3, 40% / 3, 48%;
• from 24 to 36 months - 3.05% / 3.014%;
• from 36 to 61 months - 2, 50% / 2, 59%.

The profitability of the deposit can be increased depending on the costs of the "Multicard" in the amount of:

• from 5 to 15 thousand rubles - 0.5%;
• from 15 to 75 thousand rubles - 1%;
• more than 75 thousand rubles - 1.5%.

Despite the convenience in using savings funds, the rate on this deposit is one of the lowest offered by VTB.

Pension deposit for military pensioners

An additional offer from VTB Bank for individuals - a deposit in rubles with an increased annual rate in 2021. Designed for military pensioners. Issued for one year or 6 months. Provides monthly accrual of interest, capitalization or withdrawal of money.

Conditions:

• rate - up to 6.55%;
• deposit amount - from 30 thousand rubles;
• duration of the deposit - 6 or 12 months;
• the possibility of withdrawing funds;
• replenishment - not provided.

Annual interest when concluding an agreement at a bank branch:

• duration 6 months - 5% / 5, 05%
• duration 12 months - 4, 84% / 4, 95%.

Owners of "Multicard" can get a premium:

• from 5 to 15 thousand rubles - 0.5%;
• from 15 to 75 thousand rubles - 1%;
• more than 75 thousand rubles - 1.5%.

To register a deposit, you can contact any bank office. You will need to present your passport and pension certificate.

Savings account "Piggy bank"

Deposit accrued on the balance for each day. You can partially withdraw funds.

Conditions:

• tariff - up to 7%;
• duration - indefinitely;
• availability of the "Replenishment" function;
• the presence of the function "Withdraw".

Profitability:

• from the first to the third month - 5.5%, if the amount is from 1 to 1,499,000 rubles;
• from the first to the third month - 4%, if the amount is more than 1,500,000 rubles;
• from the fourth month - 4%, if the amount is from 1 to 1,499,000 rubles;
• from the fourth month - 4%, if the amount is more than 1,500,000 rubles.

The increased income is generated in accordance with the key rate and the maximum markup equal to 1.5% per annum. The surcharge is calculated if the expenses on the account with the “Savings” function exceed 5,000 rubles.

The key rate is affected by the amount in the savings account. The amount of compensation depends on the expenses on the account. The maximum amount that can be on the deposit is 1.5 million rubles. The commission is transferred to the client's bank account.

Deposit replenishment methods

Funds are placed on the deposit in two ways:

1. At the office of a banking organization. You need to contact a bank employee, provide account details, deposit a certain amount in the cashier. Individuals can replenish deposits only in those branches of the banks where they made a deposit.
2. Online. Use the VTB-Online system with a bank card. To do this, you need to transfer the required amount to the deposit account.
3. The second method is much more convenient, because you do not need to leave home to deposit funds into the savings account. All operations can be performed from a computer or smartphone.

Deposit insurance

All deposits from VTB are insured in accordance with the Federal Law “On Insurance of Deposits of Individuals in Banks of the Russian Federation” No. 177-FZ dated 23.12.2003. The document provides for the procedure, size and conditions of insurance.

If an insured event occurs, the client receives a refund in the amount of 100% of the total amount of the deposit in the banking organization. However, the maximum compensation is 1.4 million rubles.

The legislation affects all deposits with VTB, for which an event stipulated by the insurance contract was recorded, after 2014-29-12.

In the event that the client has several deposits in the bank, then compensation is paid in relation to each deposit, taking into account their size. The maximum amount of compensation is 1, 4 million rubles in total.

The amount of compensation is calculated on the basis of the residual amount in the savings account at the end of the day of the occurrence of the insured event.

In 2021, VTB will provide several deposit programs for individuals. Each client can choose the most profitable option for a deposit in rubles, taking into account the requirements of the offer, their own financial capabilities and preferences. The deposit can be made at any bank branch or online.

Summarize

1. VTB has developed several proposals for opening deposits for individuals. The most profitable deposit is “Profitable”. The maximum annual rate applies to it - 5, 93%.
2. The minimum deposit amount is 30 thousand rubles, if the registration takes place via the Internet. When opening an account in a branch of a financial institution - 100 thousand rubles.
3. To make a deposit at the bank, you need to present a passport or other identity document. After opening a deposit on the Internet, an agreement with the bank can be obtained at any branch by presenting a passport.
4. All deposits from VTB are insured. The maximum amount of compensation is 1, 4 million rubles. If the client has several deposits in the bank, he receives no more than 1.4 million rubles in total.