Vtb 24 is the deadline for issuing a salary card. Vtb gold card. Where and how to conduct operations after receiving a VTB24 salary card
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, it is inconvenient to use several cards at the same time, 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 enumeration wages on 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 bulk various ways, but the simplest is sending the 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:
- Russian citizenship;
- age over 21;
- the presence of a permanent workplace;
- 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:
- passport, without which it is impossible to conclude any important contract;
- a copy of the work book or a copy of the contract (the originals will not be superfluous);
- 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 required for registration of the 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.
There are three main types of cards in VTB24 bank: Classic, Gold and Platinum. Credit or debit are issued with the connection of the bonus program Collection. Benefits - additional privileges. One of the popular products is the VTB 24 Debit Gold Gold Card. It can be issued, for example, for the transfer of salaries. Credit - will become your reliable companion when traveling and on vacation.
Debit Gold Card VTB24
Golden debit card VTB 24 is available to any client of the bank. Quite often, she is chosen to transfer salaries. A debit card provides its owner with tangible bonuses, privileges and benefits.
Features and Benefits
A debit card allows you to easily use it to pay for goods and services abroad and online. If you wish, you can order a card with a chip and make contactless payments.
VTB Gold Debit Card has the following advantages:
- Possibility of free service with card turnover from 35 thousand rubles, with a balance on the card of more than 350 thousand rubles, or with salary receipts of more than 40 thousand rubles;
- Issuance of a free additional Classic card;
- Connection to the VTB-Online system;
- sms alert;
- Connecting the Golden package with additional bonuses;
- Opening an account in three main currencies - dollars, euros and rubles;
- Cashback up to 5%, miles (2 miles for 35 rubles) or Collection program bonuses (1 bonus for every 27 rubles spent) - to choose from.
A debit salary card will give the client additional opportunities that not only allow them to feel comfortable and confident when making payments. Its advantages are that its holder can receive additional profit and increase his wealth.
Benefits of the VTB24 Gold Salary Card:
- 9% - accrual of funds to the account balance (an excellent alternative to a savings account, especially since money does not need to be transferred anywhere);
- Cashback up to 5%;
- Free internet banking;
- Up to 40% discounts at VTB Group partners.
To receive interest benefits, it is enough to take the card details from the bank and submit an application to the accounting department at the place of work for the transfer of funds.
Maintenance cost
The bank's conditions for issuing a Gold card are 350 rubles. Maintenance of the VTB Gold Card 24 - 350 rubles per month. In some cases, it may be free.
List of conditions for free use of the card:
- Turnover from 35 thousand rubles;
- Regular replenishment over 40 thousand rubles;
- The balance on the card is more than 350 thousand rubles.
The card comes with the connected Gold package. In accordance with the tariffs of the VTB24 Gold Card, the cost of services is:
- Maintenance for one quarter - 1050 rubles;
- Transfer and withdrawal of funds (currency - any) - free of charge;
- Overdraft - 0.1% of overspending;
- Registration of an additional card - from 90 to 3000 rubles, depending on the type;
- Reissue of the card in case of loss due to the fault of the client - 1700 rubles;
- Transfers of funds in favor of third parties to other banks - 1.5%, maximum - 1,000 rubles.
For more precise conditions of the VTB Gold Card, it is better to contact the bank branch, as individual conditions are formed for some categories of customers.
Additional cards
In addition to the benefits of the VTB 24 Gold Card, customers can use another service - connect additional bonus cards. The cost of their release is only 300 rubles, and the benefits that they provide are numerous.
There are three types of cards.
- Automap. Designed for owners of personal and commercial vehicles. It represents a cashback of 3% for any purchases at gas stations - we are talking mainly about paying for fuel and lubricants. In others outlets, including purchases via the Internet, the cashback will be 1%.
- Map of impressions. It gives a 3% refund on payments in restaurants, pubs, canteens, cafes and other similar establishments, as well as on purchases at the cinema, theater, amusement park, etc. For other purchases, the cashback will be equal to 1%. An additional bonus is the possibility of booking tables in any restaurant or cafe, as well as tickets for events (through a personal manager).
- World map. Essential for travelers. It makes it possible to save on air travel, since every 35 rubles of expenses give 2 miles as a bonus to the client's account. They can pay for flight tickets or hotel stays.
The VTB Gold Salary Card can serve not only as a means of payment, but also to receive various bonuses and discounts. This is very convenient, since such a card will help the client to maintain their usual lifestyle and at the same time save money, thanks to the loyal conditions for its use.
Credit Gold Card VTB24
The VTB Gold Credit Card of Visa or MasterCard international payment systems gives its owners more advantages compared to the Classic card: an increased tariff limit, a reduced rate, additional bonuses and privileges. As a result, it is one of the bank's most popular products.
Terms of Service and Tariffs
Using a credit card is very convenient, since there is no need to apply to a bank for a loan - the required amount is always at hand. And the thoughtful conditions for using the VTB 24 Gold Card make it a convenient and versatile product.
The key conditions are:
- The maximum available amount on plastic is 750 thousand rubles;
- Grace period - until the 20th of the next month;
- Rate - 26% per annum;
- Service cost - 350 rubles (free of charge if the money turnover on the card exceeds 350 thousand rubles);
- The minimum payment is 3% of the debt plus interest;
- Cash withdrawal at any ATM - 5.5% of the withdrawal amount (minimum - 300 rubles);
- Cashless transfer to your card - 5.5% of the amount of the transfer (minimum - 300 rubles);
- Penalty for delay - 0.8% of the amount of the debt for each day of delay.
Within the grace period, the number of deposits is not limited.
For example, if the amount of debt was 10 thousand rubles, then 5 thousand can be repaid before the end of the month, and another 5 thousand within the next 20 days. Then increased interest rate will not be charged, since the holder will not go beyond the grace period of the VTB Bank Gold Card.
Bonuses and additional features
When applying for a VTB 24 Gold Credit Card, you can choose a card of a certain type to get additional features.
- Collection. This is the "standard" card type. The holder is awarded 1 point for every 30 rubles spent. At the same time, discounts of up to 40% from bank partners are available to him. For the accumulated points, he can choose any goods and services from the Collection catalog, including paying for card maintenance, as well as receiving favorable credit terms.
- Automap. This card guarantees a return of 3% from any purchases at gas stations, 1% - from others, including on the Internet. Unlike the previous type, bonuses are returned in the form of "live" money. An additional plus is the free activation of the Roadside Assistance service.
- Map of impressions. With the card, you can get a 3% cashback when paying for services in the Entertainment category and 1% from other purchases. An additional privilege of the VTB Gold Card is a service for reserving tables in a cafe or restaurant and movie tickets (concierge service).
- World map. The holder will receive 2 miles for every 35 rubles spent, later they can be exchanged for the purchase of tickets or hotel reservations. In addition, the owner will be connected to a life and health insurance program abroad at a significant discount.
- RUSSIAN RAILWAYS. 1 point is awarded for every 20 rubles spent on the card and for every 3.34 rubles when paying for a ticket or travel document for trains. Subsequently, they can be spent on buying tickets on the Sapsan and FPC trains.
In all cases, a single limit of the VTB 24 Gold Card is set at 750 thousand rubles. The terms of service are also the same for all varieties.
Additionally, you can activate the Gold service package and use the additional bonuses of the VTB Gold Card, such as free online banking, opening accounts in three currencies, and issuing an instant card.
How to get a VTB24 Gold Card
Adult citizens of Russia who have a permanent residence permit and continuous work experience of more than 3 months can receive a Gold card. It is much easier for paying customers using VTB Gold debit cards to get a credit card, as their solvency is automatically assessed by the bank. Moreover, they are more likely to receive a personal offer.
Those who wish to purchase universal plastic can order a VTB Gold Card:
- On the official website of the institution;
- Through the VTB24-Online system (for regular customers);
- In person at a bank branch.
Consideration of the application takes no more than 3 days. If the client is permanent or provided the necessary documents - passport, salary certificate, etc. – then the creditworthiness assessment will take place immediately. Usually, after filling out the application, the finished card can be picked up in a week.
Conclusion
Thus, the VTB Bank Gold Credit or Debit Card is a very convenient and profitable product to use. Clients can choose different types plastic and receive bonuses in the selected category in accordance with their needs. The quality of the services provided is confirmed by the positive feedback on the VTB 24 Gold Card. The benefits of using the card are tangible. Holders are not disappointed with the service and level of maintenance of the plastic.
A debit or credit card is an indispensable companion for each of us. The advantages of using such plastic can only be appreciated by issuing one of them. Experts give advice on choosing a card.
Are you interested in the VTB 24 salary card? Find out under what conditions the bank serves customers, how to choose and issue a card, whether it is possible to connect a credit limit, how much the annual service costs. Read the details below.
VTB 24 salary cards: conditions
classic cardFree service when accruing at least 15 thousand rubles. monthly. Cashback on bonus card 1%.
golden card
Free when accruing 40 thousand rubles. monthly. Cashback 3%. Funds on the card are subject to free insurance. The client receives one additional card free of charge.
Platinum Card
Free use when accruing at least 80 thousand rubles. monthly. Cashback 5%. The set also includes two additional cards, insurance when traveling abroad.
Privilege
Free service when accruing at least 150 thousand rubles. monthly. Cashback 5%. The client receives four additional free cards, access to the Priority Pass service and concierge service.
How to get a VTB 24 salary card
The bank signs a cooperation agreement with legal entities. To do this, the employing company leaves a preliminary application:
- On the bank's website.
- In the department.
- By phone.
Also, any resident of Russia can receive a salary card at any bank office. To do this, you do not need to contact the corporate department on behalf of the enterprise. Each employee has the right to make his own transfers on an individual basis.
The client can monthly transfer his salary and other payments in the following ways:
- Via internet banking.
- Through an ATM.
- Through the checkout.
- From a third party bank account.
- By writing an application to the accounting department at your place of work.
To apply for a salary card at VTB 24, the client fills out an application. The document contains the following items:
1. general information: full name, date and place of birth, passport details, citizenship, TIN, etc.
2. Contact information: telephone, place of residence, address of registration.
3. Information about the family.
4. Education.
5. Information about employment: type of work, type of activity, address of the organization, position.
6. Income.
7. Client Statements.
8. Interaction with credit bureaus.
9. Consent to the processing of personal data.
10. Signature of the client and marks of the bank.
Salary card VTB 24: reviews
VTB 24 Bank is in 12th place in the national rating on one of the leading banking sites. This is a high assessment of the activities of a financial institution.
Customers leave a large number positive feedback on the work of the bank and, in particular, on the maintenance of salary cards. Most often, the professionalism of the employees, the quick resolution of issues, and the convenience of service are noted.
Customer Complaints:
- Unpleasant moments can happen with the card: refusal to operate at the checkout, double, etc. Clients are forced to call hotline or go to a bank branch to deal with the loss of funds.
- Connecting an overdraft without the consent of the cardholder.
- The bank may often call the client's phone or send many letters to email to advertise their products, in particular credit cards. Many clients are not satisfied with such importunity.
- A small network of bank ATMs.
Limit on VTB 24 salary card
To connect, you need to contact any branch of VTB 24 with your passport and fill out the appropriate application form. By default, the limit is set at half the monthly salary, but not more than 300 thousand rubles.
For using the loan, the bank charges 28% per year. You need to repay the debt monthly, according to the schedule (at least 3% of the remaining amount). The late fee is 0.1% per day. The cardholder can withdraw borrowed funds in the amount that is set on the card. For exceeding the limit, a fine of 0.1% of the amount in excess of the overdraft is charged. There is no interest-free period in this tariff.
To disable the overdraft on the card, you need to fully repay the debt and write a corresponding application at the bank branch.
Advantages of VTB 24 salary cards
The following special offers are available for payroll card holders:
- Registration and maintenance of a salary card from VTB 24 is free. The only condition is the monthly receipt of funds to the account.
- Possibility of making a term deposit using the bank's ATM. When connecting a savings account, interest is accrued on the balance in the amount of 9% per annum.
- VTB 24 cooperates with a number of retailers. As part of the salary project, the client receives discounts of up to 40% at the points of the bank's partners if he pays with his "plastic".
- On the bonus card, rewards are accumulated for the use of salary "plastic": bonuses, miles, cashback up to 5%.
- Service on preferential terms in the VTB 24-Online system. Payments from a salary card are free.
- Free SMS-informing.
- Insurance program at preferential rates.
- Possibility to connect an overdraft facility.
An additional credit card can be issued in addition to the salary. The limit on such "plastic" is set more than on the salary, there is a grace period of up to 50 days.
VTB 24 salary card: annual service
No fee is charged for issuing a salary card of any kind. The issuance of two additional cards is also free of charge, but the service is paid.
If an additional salary card is issued to the main salary card, then the cost of servicing for the year will be:
- Visa Classic Unembossed - 150 rubles.
- Visa Classic - 375 rubles.
- MasterCard Standard - 375 rubles.
- Visa Gold - 1500 rub.
- MasterCard Gold - 1500 rub.
- MasterCard Platinum - 2500 rub.
If an employee quits and continues to use the card, then the cost of annual service will be:
- Visa Classic Unembossed - 150 rubles.
- MasterCard Standard Unembossed - 150 rubles
- Visa Classic - 150 rubles.
- MasterCard Standard - 500 rubles
- Visa Gold - 2500 rub.
- MasterCard Gold - 2500 rub.
- MasterCard Platinum - 5000 rub.
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The issuance of wages through the cash desk of the enterprise has long been a thing of the past. Today, almost every bank offers its customers - legal entities use special payroll projects that allow you to automate as much as possible, and, consequently, speed up settlements with employees.
Before the employer modern conditions management has only one task - to choose a bank that would provide services on favorable terms, and its service would be convenient for company employees (read also our materials on salary projects, and). One of the banks successfully implementing a salary project is VTB24, the advantages and disadvantages of which will be discussed in our article.
Benefits for employees of organizations
First of all, it is worth mentioning the convenience of transferring wages to in principle: it is quite easy to get access to your funds at any time, since there is a large network of ATMs conveniently located in supermarkets and shopping malls. If there is no VTB24 ATM nearby, you can get cash at any other ATM, although you will have to pay a commission.
However, each bank has such a set of functions, and VTB24 provides its payroll clients with additional options:
- issuance of additional cards for members of the client's family, when using which there is access to funds on the main card;
- free issue of credit cards with an interest-free period of up to 50 days;
- free;
- an impressive list of banks whose ATMs do not charge a fee for withdrawing cash from a VTB24 salary card;
- free SMS service;
- availability (paid separately);
- preferential terms for other banking products: deposits, VTB 24 loans for payroll card holders;
- bonuses for non-cash card payments in large stores;
- availability of cash insurance programs on the salary card.
Benefits for employers
The payroll project is the ideal solution for any institution: making the work of the department easier accounting, reducing the cost of collection, payment for the work of the cashier. It's incredibly fast and convenient.
As for the salary project VTB24, it also has additional advantages for the employer, for example:
- the cost of servicing a salary project is calculated individually for each enterprise, based on various parameters;
- installation of specialized programs for sending statements of accrued wages of employees with consulting support for work;
- if the number of employees using the VTB24 payroll project within one enterprise exceeds 1,000 people, then an ATM is installed within walking distance from its actual location;
- opening a current account is not a prerequisite for joining this project.
Tariffs
A few words about the costs that salary card holders may incur:
- the issuance and maintenance of a salary card is paid by the employer, however, after dismissal, these costs are assigned to its owner: the cost of annual maintenance will be 750 rubles for the main card, and 375 rubles for each additional one;
- cash withdrawal at ATMs of VTB24 and other banks, which are indicated in the list attached to the agreement, is free of charge; in other banks, the commission will be 1% of the withdrawn amount of funds (but not less than 100 rubles) ;
- overdraft conditions for VTB 24 salary card: it is provided no more than 50% of the salary, and if the employee exceeds this amount, he will have to pay 0.6% of the difference for each day. Myself overdraft is provided at 19-24% per annum ;
- there is a possibility translate for free cash through the Telebank system.
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. Salary debit gold card VTB 24 has such distinctive features from the above rates:
- 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.
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