Salary card vtb 24 classic terms of use. Additional card of VTB24 bank

Every resident of the Russian Federation can receive a VTB 24 salary card, which provides access to additional opportunities provided by the bank for its customers.

Key Features

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

The VTB 24 Gold Salary Card is issued for a period of 2 years. The annual commission for using the product is 3 thousand rubles.

The product is beneficial for the following reasons:

• user can cash out up to 600 thousand rubles per day and up to 2 million rubles per month;
• using the card to pay for the Internet, services of a mobile operator, housing and communal services without a commission;
• saving up to 40% when purchasing goods and services from VTB 24 partners;
• you can issue up to 5 additional cards for your relatives or close people.

In addition to the privileges that the bank provides to the user of the gold card, additional opportunities are available from major international payment systems.

To maximize the comfort of use, VTB 24 recommends that customers pay attention to additional features: connecting SMS notifications about the account balance and transactions that have been carried out with it recently. Also, clients receive a security system based on 3D Secure and the possibility of applying for one of three insurance programs that protect their financial condition.

How to issue

Before receiving a salary card, the company must formalize cooperation with the bank. At the stage of concluding an agreement, the company must make a choice in favor of one or another type of plastic cards, which will later be used by employees of the enterprise to receive salaries.

After signing the contract, the bank employees visit the enterprise to familiarize the organization's staff with the cards and tariff plans available to them. At the next stage, the accounting department receives the required number of questionnaires corresponding to the number of employees of the enterprise. Employees must complete the questionnaires themselves, for which they will need an identification code and a passport.

After filling out the questionnaire, they are transferred by the accounting department to the bank, where the VTB 24 gold salary card is issued, because this approach allows all interested employees of the enterprise to easily issue a card that matches their preferences

Required papers

To conclude an agreement on servicing and issuing a bank card, you must have a passport of a citizen of the Russian Federation, as well as one of the following documents to choose from:

• original certificate 2-NDFL, which will contain all information about income for the past six months;
• a certificate containing the details of the company that acts as an employer, as well as a monthly breakdown of income (this certificate must be certified by the employer and the chief accountant);
• an extract from a bank account, which will indicate data on income received in the account;
• information certificate from the place of work (must be signed by the head of the company, as well as the chief accountant);
• international passport, which contains information about crossing the border of the Russian Federation for the last six months;

The nuances of servicing the VTB 24 gold salary card

Terms of Service

You can receive a salary on a VTB 24 bank card not only through accounting, but also from the accounts of other financial organizations. In addition, salary transfer is available through the cash desk in one of the branches of VTB 24, as well as using Internet banking.

The main conditions of the gold card of the participant of the paid project:

• daily withdrawal available up to 200 thousand rubles;
• return until 3% the amount spent on purchases thanks to the Cash Back system;
• one additional card can be issued free of charge;
• free insurance of funds on the card;

Like any other financial instruments, the gold salary card has such advantages as:

• opportunity to purchase goods and services at a discount 40% partners of VTB 24;
• the purchase of bank products is available, paying for them with bonuses;
• a reliable system for protecting funds when paying for purchases anywhere in the world, as well as on the Internet;
• the VTB 24 online system allows you to manage your gold account in real time;
• the ability to instantly pay for utilities, Internet access and mobile communications;
• accumulated bonuses can be exchanged for goods or services from a special catalog.

Available features

Variations of available operations

Debit

A debit card allows you to pay for goods and services, including on the Internet, as well as make settlements with your employees. Such a card will be convenient if you need to transfer funds between card accounts. It is also convenient to store savings on a debit card, especially for those who like to travel to different parts of the world.

The VTB 24 bank product set includes many offers designed for various segments of the population. The Bank issues cards based on Visa and MasterCard payment systems. The gradation of the map is directly dependent on the status.

VTB 24 offers the following groups of issued cards:

• classic cards;
• gold cards;
• platinum cards.

The classic card allows the owner to use the basic services of the bank: deposit and withdraw funds, pay for goods and services, take part in the bonus program.

In addition to the basic package of services, the gold card allows the client to use additional functionality, for example, receive additional discounts from VTB 24 partners. Also, users of VTB 24 gold cards can use the extended bank service.

A platinum card gives the bank's client a number of privileges: top-level service, a large number of discounts both within the country and abroad. It is also necessary to know that the cost of the services provided to the consumer depends on the status of the card.

The bank has special offers that were developed together with VTB 24 partners. For example, travel lovers will surely like the World Map special offer, car enthusiasts will appreciate the Autocard, and entertainment lovers will be delighted with the Impressions Map.

Credit

To conclude a contract, you will need a passport and one of the following documents to choose from:

• original certificate 2-NDFL with information about the client's income for the last six months;
• original certificate of income in the form of a bank;
• an extract from the current account of any bank, which will confirm the transfer of salary to the client for the last six months;
• international passport with a mark on leaving the territory of the country in the last six months;
• vehicle registration certificate.

To obtain a VTB 24 credit card, you must fill out a questionnaire located on the official website of the bank, after which you need to visit the nearest bank branch to sign an agreement and receive a credit card

Benefits and bonuses

After a gold salary card has been received, an employee of the organization will be able to use the full range of bank services. Such a card allows you to receive free SMS notifications about the receipt of salaries. Cash can be withdrawn at any of the 14,000 ATMs located in the Russian Federation and CIS countries.

In addition, VTB 24 provides free access to the VTB24 Online Internet banking system, which is a modern tool for paying utility bills, managing accounts and cards, repaying loans, opening deposits, exchanging currencies at preferential rates, making money transfers to accounts or cards. .

Depending on the income of the user of the salary card, he can receive free registration of any of the following VTB 24 packages:

The bonus program "Collection" of VTB 24 Bank allows you to take a different look at daily expenses. The program is distinguished by the opportunity to receive bonuses not only for non-cash transactions with bank cards, but also for cooperation with the bank. For example, if you re-open a deposit or take a loan from VTB 24, the client receives up to 5 thousand bonuses.

Attention!

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the site.
• All cases are very individual and depend on many factors. Basic information does not guarantee the solution of your specific problems.

Therefore, FREE expert consultants are working for you around the clock!

Everyone would like to receive the most profitable and convenient financial services that allow not only to quickly make purchases and pay bills, but also enjoy numerous bonuses and privileges. At the same time, using several cards at the same time is inconvenient, it is much easier to transfer all the savings to a single account and not think about where and how much. An excellent option that allows you to combine convenience and simplicity will be the Gold salary card developed at VTB 24. It provides its owners with a lot of advantages, does not require additional transactions with the transfer of funds and, if a few important conditions are met, does not bring additional maintenance costs.

A gold card is one of the highest quality, most convenient and profitable banking products that allow you to freely manage your savings and make a wide variety of monetary transactions. It differs from the MasterCard Standard 24 salary card, which is familiar to many VTB customers, in wider limits, low commissions, profitability and the status that the owner of the "plastic" acquires.

At the same time, the transfer of wages to the Gold card occurs at the initiative of the owner, who decided not to open a separate account for this.

You can transfer money in a lot of different ways, but the simplest is to send a salary immediately to the details specified by the employee.

This allows you to reduce the time of receipt of funds and avoid the payment of various commissions and fees.

Pros and Key Benefits

Considering the main features of "plastic", one cannot ignore a number of positive aspects that make its use profitable and enjoyable. Holders will be especially pleased with:

• cashback up to 5% of the amount of expenses incurred;
• convenient personal account;
• regular accrual of interest on the balance (up to 8%);
• the opportunity to receive a free additional card;
• timely SMS notification;
• obtaining discounts up to 40% when purchasing goods from bank partners;
• the ability to withdraw large amounts daily without paying a commission;
• free service provided to selected customers with a few minor requirements;
• individual approach and unique conditions for which account holders can apply.

Receipt

Having considered the main advantages of the VTB 24 gold salary card and the advantages of using it, it is worth focusing on the procedure for obtaining "plastic". First of all, you need to list the requirements for customers:

1. Russian citizenship;
2. age over 21;
3. the presence of a permanent workplace;
4. registration in the region where the card was received.

For those who meet the requirements, it is enough to visit the nearest VTB branch and write an application for the issue and issuance of "plastic". If it is not possible to visit a financial institution, you can submit an online application on the official website of the institution.

Separately, it is necessary to talk about the features of payroll. Investors can take advantage of two ways:

• transfers the amounts required by him independently;
• write an application for the transfer of wages according to the specified details in the accounting department of their work (they have no right to refuse the worker).

The documents

Not a single credit institution will trust customers at their word, therefore, each applicant for an individual VTB 24 salary card is required to prove their compliance with the requirements already indicated above. To do this, you need to collect a small package of documents, which will include only the most important and necessary papers and certificates:

1. passport, without which it is impossible to conclude any important contract;
2. a copy of the work book or a copy of the contract (the originals will not be superfluous);
3. certificate of income received, which may turn out to be a 2-NDFL certificate, and any other papers at the choice of the applicant.

Bank managers are able to request additional information and documents necessary for issuing a card. The current list for 2019 should be clarified when submitting an application or by calling the contact center.

How to find out if the VTB 24 salary card is ready via the Internet?

The next questions that need to be answered are the cost of maintenance and the time it takes to make the "plastic".

The standard price for using this financial instrument is 1,050 rubles per quarter. But there are 3 conditions, the observance of which helps to avoid these expenses:

• monthly replenishment of the account in the amount of more than 40 thousand;
• monthly financial turnover over 35 thousand;
• account balance exceeds 350,000.

It should be noted that compliance with only one of the conditions listed is sufficient to avoid the collection of funds for servicing VTB 24 Gold salary cards.

Figuring out how much a card is made is a little more difficult. The exact timeframe depends on a host of factors and may vary depending on the situation. In order not to make a mistake in the calculations and get the "plastic" on time, it is worth checking the date of its receipt with the manager in advance.

VTB 24 Gold Card

Each bank tries to offer its clients and depositors the most favorable and attractive conditions. The Gold VTB 24 salary card is not inferior to similar offers from competitors. To obtain it, it is enough to collect a small package of documents and apply for issue. It is important to remember that approvals can only be obtained at the branch of the region where the applicant is registered. That is, if the application is written in Moscow, the client must have a capital residence permit. If there are inconsistencies with the specified requirements, the application is rejected.

All banks are sure that it is their payroll card that is the most beneficial for the population. And VTB 24 Bank was no exception to this rule. The VTB 24 salary card is very common, every second officially working person has it.

At the same time, VTB 24 cooperates with the most famous payment systems Visa and Mastercard, which allows the client not only to use plastic, but also to take part in regular drawings and bonus programs at the same time.

Bank "VTB 24": salary card and its types

The salary project "VTB 24" includes four types of plastic cards:

1. Map Umenbossed. It provides for the following conditions: a daily withdrawal limit of 100,000 rubles, a 20% discount from partners of VTB 24 Bank, the possibility of issuing a maximum of 5 additional cards (2 of them can be obtained free of charge). In addition, an overdraft of up to 300,000 rubles can be installed on the card.

2. "Visa Classic" or "Mastercard Standard". According to the conditions, these cards do not differ from the previous type.

3. "Golden" salary card "VTB 24". This type differs from the previous options in greater prestige. In addition, the owner of a Gold class card is provided with discounts from partners of up to 25%, as well as a maximum daily withdrawal limit of up to 200,000 rubles. The maximum overdraft available on the card is 300,000 rubles. Additional cards can be issued up to 5 pieces, two of which are issued free of charge.

4. "Platinum" salary card "VTB 24". The status card is distinguished by a discount program with discounts from partners up to 30%, a daily withdrawal limit of up to 300 thousand rubles and the possibility of obtaining an overdraft of up to 750,000 rubles.

Credit "VTB 24" for holders of salary cards

In addition to the main advantages in the form of convenience of payments using a plastic card and bonus programs from the Visa and Maxstercard payment systems, payroll card holders receive another "bonus": the ability to set a credit limit on their card.

The loan "VTB 24" for holders of salary cards differs from the usual one in a simplified system of registration, reduced interest rates and the procedure for determining the maximum available amount of the credit limit.

At the same time, both a cash loan and a credit card can be available to customers. And if the terms of registration and interest rates of the loan may differ depending on the chosen loan program, the VTB 24 payroll card will have the same terms of use for all customers. Let's dwell on this issue in more detail.

Conditions for issuing a credit card for payroll project clients

So, as mentioned above, VTB 24 Bank has prepared a special offer for payroll card holders - the possibility of issuing a credit card with favorable conditions.

To obtain such a credit card, the client must come to the bank branch and write an application. In this case, from the documents you only need to have a passport with you.

The main conditions for obtaining a card are:

• the presence of citizenship of the Russian Federation;
• the presence of a place of registration in the city of application to the bank branch;
• permanent place of work.

Calculation of the maximum limit amount

In order to determine the limit on a credit card, a bank employee looks at the balance of the VTB 24 salary card, or, to be more precise, calculates the average amount of receipts on the card per month. The maximum available amount of the limit will be no more than 50% of the amount of income and cannot exceed 300 thousand rubles.

Card Service Terms

A credit card can be issued in one of two payment systems: Visa Classic or MasterCard Standard. For greater security, the cards are equipped with both a magnetic stripe and a special chip. In addition, they are equipped with the 3D-secure function, which provides for transactions via the Internet only after entering the code from the SMS message.

Card currency - rubles. But, at the same time, you can use it outside of Russia.

There is no annual card account maintenance fee.

The card also provides for a cumulative bonus system: for every 50 rubles spent, 1 bonus is credited to the card. In the future, they can be spent on the purchase of goods from special catalogs (gift certificates, books, toys, household appliances, magazines, and so on).

Lending terms

The VTB 24 salary card, with a credit limit set on it, is serviced under the following conditions:

• the maximum amount of the credit limit - up to 300 thousand rubles;
• interest for the use of credit funds - 28%;
• there is no grace period during which interest is not charged for the use of credit funds;
• the amount of the minimum monthly payment is 3% of the total debt;
• in case of late payment of the monthly payment, a fine (penalty) in the amount of 0.8% per day of the amount of the debt begins to accrue.

Credit salary card "VTB 24" provides for the possibility of receiving monthly statements on transactions on the card account, as well as sending SMS messages to the client after performing any operation (withdrawing or crediting cash, etc.).

Cash withdrawal and replenishment of the VTB 24 card

There are some restrictions regarding cash withdrawals from a VTB 24 bank payroll card. It is important to pay attention to each of their points:

1. Withdrawal of own funds at VTB 24 ATMs is carried out without any commissions. In this case, credit funds can be withdrawn with a commission of 2%.
2. At ATMs of VTB 24 partner banks, you can withdraw your own and credit funds without commission.
3. For the withdrawal of personal funds at ATMs of banks that do not belong to partners, you will have to pay a commission of 1%, but not less than 200 rubles. For the withdrawal of credit funds, the commission will be 2% and not less than 200 rubles.
4. The daily withdrawal limit (maximum amount) is 100 thousand rubles. At the same time, no more than 1 million rubles can be withdrawn from the card per month.

You can replenish a VTB 24 bank card in any convenient way: using an online transfer, transfer from card to card or at a bank branch. In any of these cases, you need to know the card number or its current account. Another important detail that must be taken into account when making a bank transfer in order to avoid delays is that the money will be credited to the account only after 2 days!

Pros and cons of the VTB 24 card

Summing up all of the above, we can determine the main pros and cons of VTB 24 bank plastic cards.

• high credit limit;
• bonus program;
• low interest rate;
• the presence of a microchip on the card;
• free account statements and SMS messages;
• withdrawal of own funds without any commissions;
• relatively low commission when withdrawing credit funds from the card;
• possibility to issue an additional card.

There are only three cons for customers:

• large fines in case of late payment on the loan;
• availability of cash withdrawal limits;
• changing the PIN code at an ATM is paid (30 rubles).

All this makes salary cards popular among the population.

The list of bank cards in VTB is quite diverse. If you want to emphasize the status and receive more privileges, it is recommended to request a product of a class above the Classic and Standard levels. The VTB 24 gold debit card is to be issued in several variations. Consider the conditions for obtaining a card, its features and tariffs.

Registration procedure

Before you can apply for a VTB 24 gold debit card, you must activate the Gold service package.

Package connection

To do this, you need to go to any office and sign a service agreement within the selected package. For which you only need a passport to confirm your identity. In this case, the client orders the type of card he needs.

Card Features

The service package provides customers with the following opportunities free of charge:

• Opening three accounts in different currencies.
• Internet banking activation, connecting it to the card.
• Receipt of a card of an unnamed type;
• Connection of SMS informing.
• It is permissible to request additional cards to the account, one of which is serviced free of charge.
• Once a quarter, it is permissible to withdraw cash from any ATM without charging a commission.

Benefits of a Gold Card

Considering the benefits and conditions for using the VTB 24 gold debit card, you can pay attention to the following:

• Increased withdrawal limits;
• It is possible to order a card reissue online;
• The ability to fully use outside the country, as well as urgently request cash in case of loss of the card;
• Use discounts and offers of payment system partners around the world;
• Possibility of free maintenance subject to the turnover rule.

In addition to the features described above, the card allows you to perform all types of banking operations, incl. independently through remote services: receiving money, sending it to individuals, paying for services to legal entities, payments at retail outlets and on the Internet.

Tariffs and commissions

VTB 24 gold debit card terms of use, commissions and limits provide for the following:

• Free issuance;
• Reissue: 1500 rubles;
• Card reissue in case of loss: $280;
• Issue of an additional card, except for the first: 1500 rubles;
• Making transfers through self-service devices does not provide for commission;
• Withdrawal through bank machines: free of charge;
• Withdrawal through devices of other institutions: 1%;
• Emergency cash withdrawal in case of loss: 200 euros;
• Withdrawal limit per day: 200 thousand rubles (600 thousand - in the branch);
• Per month: 2 million rubles.

If desired, the client has the right to choose a product of this level for payroll. The VTB 24 salary debit gold card has the following distinctive features from the above tariffs:

• Issue: 150 rubles;
• Registration of an additional card: 150 rubles;
• Registration under the accelerated procedure: 300 rubles;
• Emergency registration: 600 rubles;
• Reissue: 150-200 rubles.

Types of gold cards in VTB 24

Having issued a service package, the client has the opportunity to choose one of the VTB 24 debit gold cards with benefits and bonuses:

Collection

For each payment, points are awarded according to the condition 1 unit for 30 rubles. These bonuses can be exchanged for gifts on the institution's website, which include goods of different categories, as well as gift certificates, event tickets, etc.

Free service is possible for customers with a certain turnover.

Automap

This debit gold card is serviced at VTB 24 for free, but the issue costs 300 rubles. For the funds spent, the client receives 1% cashback in all categories and 3% at gas stations.

Experience Map

The conditions are similar to the previous version of plastic. The exception is the category for receiving an increased cashback: the client receives 3% for expenses in cafes, restaurants and cinemas.

An additional privilege is the ability to reserve tickets or tables in restaurants.

World map

Maintenance is free, issue - 300 rubles. The client receives points called "miles" for the money spent from the card. These special bonuses are used to pay for airline tickets and hotel reservations.

Everyone will be able to choose a product with improved features according to their preferences.

conclusions

As you can see, the VTB Visa Gold debit card is endowed with the main advantages of products of this level. It is issued after the activation of the Gold level service package. The card can be opened as a salary card if there is a need to emphasize your status. In addition, within the framework of the package, 4 types of Gold level cards with additional privileges are available to the client, allowing you to accumulate and use points or receive cashback.

Receiving a salary on a bank card has become a familiar and convenient way to pay. Thanks to plastic cards, there is no need to carry large amounts of cash with you on the day of purchases. VTB 24 salary card with cashback is perhaps the most suitable option for this. But let's not get ahead of ourselves and consider them all separately.

VTB 24 salary cards may refer to different payment systems: MasterCard and Visa. The Master is generally cheaper to maintain than the Visa. In general, these are ordinary debit products. To date, the salary card from VTB 24 Bank is represented by four tariff offers. The difference between them lies in the amount of the minimum monthly amount of credits, as well as in the additional services provided to the holder.

classical

Especially for those who are afraid of excessive expenses, and often wonder how much the service costs, we inform you: with a monthly credit to the account of at least 15,000 rubles, it will be free. From VTB 24 Cashback to the salary card returns 1% of the purchase amount - this is a special bonus program for returning money to the account.

VTB 24 Gold Card

Free service at the "Golden" tariff is carried out if the monthly account receives from 40,000 rubles and more. Thanks to VTB 24 Cashback, 3% of the cost of purchases in partner stores is returned to the salary card. In addition, the bank insures the money in the account free of charge. The bonus is one additional plastic for free.

VTB 24 Platinum Card

The VTB 24 platinum card provides free account maintenance if it receives more than 80,000 rubles a month. The refund to the card is 5% of the purchase. The card package includes travel insurance and two free cards tied to an account that can be used by family members or other authorized persons.

Privilege card

If you are interested in the question of how to make this card, we are in a hurry to inform you: you can open a salary card with such a tariff with free service if the monthly credit is from 150,000 rubles. The return on purchases on it will be 5%.

The advantage of the Privilege tariff in an extended set of services: the availability of the Priority Pass concierge service, as well as information assistance in obtaining most standard services.

Benefits for holders and employers

Convenient conditions for using the plastic product of the bank are beneficial for both the employer and the recipients of salaries. There is no need for a cashier, queues at the cash desk on the day of pay are abolished, because. All payments go to payroll. And in terms of storing cash, cards are much more reliable than a wallet.

We list the main benefits for employees. As a rule, their list looks like this:

• Widespread network of ATMs for cashing out money.
• The ability to issue new cards linked to the account for family members of the employee.
• When applying for a credit card at VTB 24, payroll product holders have access to an interest-free period of 50 days.
• Benefits for other banking services: loans, deposits.
• Overdraft available with free connection.
• Most banks do not charge a commission when withdrawing money from a VTB 24 salary card.
• Free SMS-notification about transactions with the account.
• For a fee - Internet banking.
• Receiving bonuses from partners for cashless payments up to 40%.
• Account insurance.
• Free transfers via VTB 24 Online.
• When connecting the Savings Account service, up to 8.5% per annum is accrued on the balance of funds.
• Apple Pay or Samsung Pay users can pay with their phone.

As for employers, the terms of partnership guarantee VTB 24 clients:

• An individual approach to the calculation of the cost of servicing a salary project by the bank.
• Consultations during the installation of special programs. You don't have to worry about the fact that information about financial transactions will be intercepted by intruders. All digital products of the bank are reliable.
• Installation of an ATM in the office of the organization, subject to participation in the salary project of more than 1 thousand people.

Payroll process

As a rule, an enterprise or any other organization as a legal entity enters into a cooperation agreement with a bank. The employer sends an application to the VTB24-Bank website or to a branch, as well as by phone. The application is drawn up on a special form, where the columns with information about the client are filled in:

1. passport data;
2. the address;
3. phone;
4. information about education;
5. job information;
6. income information;
7. credit history and other information about the identity of the applicant.

On an individual basis, any Russian can get a VTB 24 card and receive a salary on it.

How to get a salary card? To do this, the client submits an application to the accounting department at the place of work. This is required by the official standard. The employer can transfer salary to the card via Internet banking, through a cash desk or ATM.

How long does a VTB card take to make? An individual salary card is available to the client 1-2 weeks after the application is submitted. In rare cases, the period reaches 4 weeks.

Opening an account when applying for a job

When applying for a job, an employee may already have a card to which the salary was previously transferred. In this case, the card can belong to any bank.

This option is acceptable, but disadvantageous both to the person himself and to the accounting department of the enterprise or organization where he goes to work. The former will have to pay for the maintenance of the account on their own, and the accountants will have to additionally process payments to the relevant institutions.

The best option is when a newly arrived employee, together with everyone else, participates in one salary project, i.e. gets a new card. In this case, he does not pay for her service.

Card service after dismissal

The terms of service change depending on the situation, so you need to carefully read all the details of the contract before applying for a VTB 24 salary card. So, dismissal from a job can affect how much the service will cost for the client.

The cost of servicing and issuing a banking plastic product is borne by a legal entity, i.e. enterprise or organization.

When an employee is dismissed, the contents of the account are transferred to the client himself: on average, the annual maintenance of a VTB card will be 750 rubles.

If the client has additional cards, then the cost of servicing each will be at least 350 rubles.

Cash withdrawal at VTB 24 ATMs and from partners specified in the agreement is free of charge. In other cases, 1% of the withdrawn amount is charged, but not less than 100 rubles. Transfer through the Telebank system is free of charge.

Providing an overdraft

VTB 24 Bank provides an opportunity to go beyond salary by taking a loan. The service is connected when issuing a card at the request of the client. This must be reported to the manager opening the account. You can order an overdraft later. To do this, you need to call the call center at 8 800 200-77-99 and ask to activate the service.

After providing an overdraft, you can exceed the salary limit at any time by entering the credit zone. The loan interest usually ranges from 19 to 28% per year. At the same time, the amount borrowed cannot exceed half of the salary.

If the amount of borrowed funds is exceeded, then the client will have to pay extra, in addition to annual charges, another 0.6% of the excess amount taken. The loan is repaid monthly according to an individually created schedule.

It should be remembered that there is no interest-free repayment period for payroll products. The service itself is free of charge. To disable the service, you must fully repay the loan, if any. After that, you must write a statement of refusal of the service.

As you can see, the VTB salary card is a convenient and modern product. Not surprisingly, an increasing number of organizations are transferring their employees to this means of payment.