A savings account with VTB 24 allows you to receive income every month, manage all your funds. The base rate depends on the period of placement and the initial amount.
VTB24 is a bank providing services to individuals under various programs. A savings account with a high profitability is popular among clients. It allows you not only to receive profit in the form of interest, but also to withdraw part of the money up to the minimum deposit amount. If you wish, you can write a statement, the funds will be automatically transferred from the savings account to the current one. There is an opportunity to replenish it in any amount.
Features of the savings account in VTB 24
VTB 24 offers opening and maintaining a deposit free of charge. For some programs, it is possible to use not national money, but currency. An unlimited period of validity is also a plus. This means that the agreement will be automatically prolonged without requiring any effort from the depositor. The account features are as follows:
- When you open a deposit, with an increase in the amount of investment, the rate increases. It is the highest when overcoming the mark of 700 thousand or 1 million rubles.
- You can replenish your account for the last time at least 30 days before the end of the deposit.
- Cumulative types imply capitalization, when the previously accrued interest is added to the body of the loan. Due to this, in the next period, the amounts will be credited to them.
- The rate depends on the amount and period of the deposit.
How to open a savings account?
Existing clients of the bank can use their personal account, which has access to both already opened accounts and the ability to create new ones. If the subject is not a client of the institution, but wants to become one, it is worth visiting the office. An agreement is concluded, if necessary, a debit card is issued, which allows, if necessary, to withdraw funds from the deposit, to replenish the account.
All VTB 24 clients get access to Internet banking. Using it, you can:
- track the movement of finances;
- control the amounts;
- deposit money;
- generate an extract;
- close the deposit.
Those who connect the mobile application have similar opportunities. Thanks to online services, you can use deposits and withdrawals without restrictions. At the same time, the size of the annual rate depends on the period of activity of the concluded agreement.
Are there any differences between a savings account and a deposit in VTB 24?
Despite their similarities, the two concepts are different. The deposit can be replenished, but the amount for this has limitations. The account size can be changed for any amount of money.
Funds from the latter, if necessary, can be transferred to a third party or to another financial institution. The peculiarity lies in the fact that the deposit of funds is possible only in a non-cash form. To do this, you must first put them on the card.
Thus, a savings account is a simple and flexible banking product. It is often used as a supplement to a deposit. It allows you not only to receive income, but also to dispose of your own funds, to manage financial flows.
