Bank VTB 24

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2016-06-03 00:00:00:

One of the largest Russian banks can rightfully be called the financial organization VTB 24. This company has been a leader in the banking business for many years. The company is part of the international financial group "VTB".

VTB 24 works with clients of various categories, however, the main contingent of the company can be called representatives of small and medium-sized businesses, as well as individual entrepreneurs. The geography of the bank is very wide: its branches are dispersed throughout the country (more than 600 offices in total). The company offers its customers a wide range of services. Here you can get a loan, get a plastic payment card, open a deposit account, use the services of online services.

The history of the creation and development of VTB 24 Bank

On August 1, 2005, a new financial structure appeared in the banking world - VTB 24 Bank. On this day, the leaders of the VTB group of companies signed an order to establish the bank CJSC Vneshtorgbank Retail Services on the basis of the commercial enterprise Guta Bank (in 2004, VTB acquired 86% of the securities of this organization). It was assumed that the newly formed company would specialize in the retail banking business. Employees called the bank "VTB RU" among themselves. M. Zadornov (former Minister of Finance of the Russian Federation) was appointed its leader.

In 2006, the name Vneshtorgbank Retail Services was changed to VTB 24. A year later, the company issued its shares, which both Russian citizens and residents of other states rushed to buy. The cost of securities was quite affordable, so more than 100 thousand ordinary people became shareholders of VTB 24.

VTB 24 in virtual reality

For the convenience of their customers, VTB 24 employees have developed online services:

"VTB 24-online";
telephone service;
application for portable computers and mobile phones;
notification via SMS.

"VTB 24-online"

The VTB 24-online service is very popular among the bank's customers. With it, you can make various financial transactions at any hour of the day or night:

control the status of accounts;
pay for goods and services;
transfer funds to accounts of third-party users (no commission is charged when making intrasystem transfers);
open deposits with higher interest rates;
pay a fee for the loan (commission may be reduced).

To connect VTB 24 online banking, you should contact the company's branch to conclude an agreement to activate the service (you do not need to pay anything for connection and maintenance).

Internet banking can be used both from a desktop computer and from a mobile device. VTB 24-online clients receive special privileges. The commission fee for transactions made in a virtual bank is much lower than in land-based offices.

Internet banking makes our life more comfortable: there is no need to waste time on the road and queues, filling out a pile of documents. To work at VTB 24-online, basic knowledge of a PC is sufficient. Even a child can understand the intuitive interface. Templates are provided for drawing up documents, petitions and statements. Internet banking from VTB 24 is universal: here you can use not only the bank's "native" cards, but also payment documents of other financial companies.

Telephone service

This service makes it possible to obtain the necessary information about all the products of the bank. To launch the IVR voice menu, the client needs to follow the announcer's instructions and press the corresponding phone keys. Thus, the user gets access to the necessary information.

24/7 customer service allows you to:

learn about the company's products;
issue a loan;
order a plastic card;
learn about the status of bank accounts;
receive information about the maturity of loans and the amount of debt;
consult on various issues.

Application for mobile devices

Thanks to the application for mobile phones and tablets, VTB 24 Bank customers can perform all financial transactions: make payments, transfer money; replenish accounts; exchange money, etc. With the help of a mobile application, you can always be aware of the situation that is happening in the foreign exchange market. These programs will also help you find the nearest VTB 24 ATMs and bank branches.

Notification via SMS

This service allows you to control accounts and view transaction history. A fee is charged for the use of SMS notifications. VTB 24 Bank offers 2 types of packages, each of which provides certain functions and features.

Tariff plan "Cards". The client is informed about all transactions in which his payment cards were involved. The user's phone will receive information about transactions, changes in the state of accounts and the formation of an overdraft, the expiration of the term of the payment document.
Tariff plan "Cards +". This package provides for the provision of information on card accounts and VTB 24-online. The client will receive the same notifications as in the "Cards" package + replenishment of accounts in the Internet bank.

The user can select only those alerts that are most important to him.

Currency conversion in VTB 24

VTB 24 Bank offers favorable currency exchange conditions. Here you can buy money from various countries: American or Canadian dollars, European banknotes (euro), British pounds sterling, Chinese yuan and more.

Advantages of conversion in VTB 24 bank

The exchange rate at VTB 24 is more favorable than on many exchanges.
There is no need to order currency in advance.
Non-cash conversion is carried out at a special low rate.
In the online bank, the exchange procedure can be carried out in just a couple of minutes.

Exchange transactions are made in all branches of the bank, as well as through the VTB 24-online service and mobile applications.

The company has entered into partnership agreements with popular electronic systems. Using an online exchanger , you can exchange fiat money for Bitcoin or another type of electronic currency.

Loan conditions

VTB 24 Bank offers favorable interest rates on loans. The loan amount will depend on the client's income level. You can apply for a loan at any branch of the company.

The company issues loans to both individuals and business representatives (small, medium and large).

Types of loans for individuals

Mortgages will help families acquire a separate living space. This loan is issued in Russian rubles. There are several types of mortgage lending.
A loan at VTB 24 can also be obtained in cash. Favorable interest rates will appeal to customers with different incomes.
With the help of a car loan, you can make your dream come true and buy a car. The bank offers several types of car loans, each of which has its own conditions:

AutoStandard - provides for a minimum first installment without a commission fee;
AutoLight - this loan does not require guarantors and certificates from the place of work;
AutoExpress - when applying for a loan, the bank does not insist on compulsory auto insurance;
A car loan with state support is issued on preferential terms.

Loans can also be obtained in cash. To do this, open a credit card. VTB 24 Bank is an issuer of international class cards.
The company practices loan refinancing, thanks to which the borrower gets the opportunity to repay debts in other banks.

Legal entities can apply for a loan for business development, provision of salary projects, and so on.

Deposits in VTB 24

Many bank customers are interested in deposits. By depositing your savings into the account, you can not only not worry about the safety of funds, but also receive additional income at interest rates. The company offers 3 types of deposits.

"Cumulative". Money can be deposited into the account in local currency, as well as in US dollars or euros. It is allowed to replenish the deposit at any time, while the interest rate will increase proportionally. The minimum deposit amount is 30,000 rubles ($1,000/EUR). Interest is calculated every month and transferred to the client's account. The maximum rate is 8.15%.
"Favorable". The minimum term of this deposit is 3 months, the maximum is 5 years. Interest is calculated every month and withdrawn to the client's account. Early termination of the contract is possible, while preferential conditions apply. The maximum bet is 9.35%.
"Comfortable". This deposit allows you to replenish your account and withdraw funds from it at any time. Interest will be calculated monthly and transferred to the client's account. The maximum rate is 6%.