Card "Purse (credit-accumulative)" from the bank "Bank VTB. VTB bank credit card purse view balance Card conditions VTB bank purse Belarus

31.01.2022

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Credit term:	48 months
Loan term (overdraft limit):	12 months
Maximum loan amount (overdraft limit):	5 000 BYN
The size of the % rate on the loan:
Loan disbursement method:	To Visa Classic Unembossed / Mastercard World
Card design (validity - 4 years from the date of issue):	For free
The amount of the interest rate on the balance of own funds in the account

from 300 r. 01 kop. BYN and more

Requirements for the borrower:

Commissions

Cash withdrawal in bank devices and ATMs of banks belonging to the VTB group in the CIS countries and Georgia	Not charged
Issuance of cash in devices of other resident banks and non-resident banks	3 min. 5 BYN
Cashless payments	Not charged
Payment for goods and services via the Internet	Provided
Subscription fee for using the "SMS-informing" service, per month	$3.00
Account maintenance, per month**
when performing a certain amount of non-cash transactions for payment for goods/services using a card	not installed
when a certain volume of non-cash transactions for payment for goods/services using a card is not performed	9.90 BYN
the volume of non-cash transactions for payment for goods and services using a card, reflected in the account in the month in which the commission (fee) was charged.	200 r. 00 kop.
* The subscription fee for using the "SMS-informing" service is charged for the current month, including the month of connection to the service of any of the bank payment cards issued to the client's account, and is payable monthly no later than the 25th day of the month following the month of accrual; The subscription fee is not set and is not charged: 1) upon suspension of operations on the account for closure, including the month of suspension, 2) if there is no movement on the account in the current month, 3) in the absence of issued cards and cards with the current validity period. Deactivation of the service "SMS-informing" is possible only on the basis of a written application of the client.
**Account maintenance includes the service of issuing and reissuing the main card for a new term, providing an account statement, servicing transactions made using cards issued to the account, and providing other services, with the exception of transactions/services for making/receiving for which a separate fee is set depending on the product and the date of conclusion of the agreement on the use of the card. Calculated on the last business day of the month, starting from the month in which the bank account was opened. The fee is not accrued or charged if there is no movement on the bank account in the current month or the suspension of operations on the bank account for closure, including the month of suspension. Payable monthly no later than the 25th day of the month following the month of accrual.

Mastercard World is an international card with a contactless interface that allows you to pay for purchases and services with one touch. A card with a high level of comfort and security when making any transactions around the world.

Features and benefits of the Mastercard World card:

special offers and promotions for cardholders

the time spent on obtaining an overdraft and receiving a payment card is minimal, because you receive the card immediately (when you first contact the bank's offices);
you can use the funds only in the required amount and at a frequency convenient for you countless times during the entire period of the loan (one year), while the overdraft limit when repaying the debt is constantly renewed, and early repayment is carried out without restrictions;
Interest is charged only on the amount you actually used and you are sure of the payment amount.

Detailed information on commission fees for operations with bank payment cards in.

Debt repayment is carried out automatically from the amounts available and / or received on the account.

From the 1st to the 15th day of the month

at the Bank's offices without using a card.

From the 1st to the 12th day of the month

at the Bank's offices using a card;
in the offices of RUE "Belpochta";
at banking service points of 24 banks participating in the Settlement system - ERIP.
through Internet payment services (for example, www.e-pay.by);
through the "Internet Bank" service of VTB Bank;
at ATMs and information kiosks of VTB Bank;
transfer from card to card (P2P), including from a card of another bank.

Early repayment - no limits!

During the period of the loan, you must repay:

2% of the amount owed at the beginning of the month;
interest accrued for the previous month.

At the end of the loan term, the principal debt is divided into equal shares according to the formula of the ratio of the debt on the principal debt on the 1st day of the current month to the number of months remaining to pay off the debt on the loan.

Bank_VTB_Belarus. Respect to you for reaching out to people. We hope to receive prompt responses from you.

Credit cards of your bank can be repaid through e-pay.by. Tell me, is it possible to replenish deposit (or current) accounts through this service, which have become very relevant? He called himself “Blitz” and it’s somehow inconvenient to run around the city with cash. Unfortunately, at present, replenishment of a deposit or current account opened with a CJSC is possible only at the Bank's branches. Branch addresses are listed on the website http://www.vtb-bank.by/about/offices/Bank_VTB_Belarus.

I have a question about VIP service for individuals, does it exist?

And sometimes you stand in line to put 200 million on a deposit, and in front of you people put 5000 on their mobile phone.

In order to improve the quality of service in the branches of CJSC, in the Additional office No.

Bank cards

Visa Classic Unembossed is an international card with a standard set of features for customers who already have experience using bank cards.

It combines the wide acceptance network of Visa Classic, the prestige of a card with the Visa logo, but provides a 100% level of authorization and cost control, like Visa Electron. The card is equally well suited for all types of purchases and cash withdrawals.

You can use it to make purchases in online stores. round-the-clock access to funds stored in a bank account; the ability to block and unblock the card at any time of the day; the ability to use the card almost anywhere in the world to pay for goods, pay for roads, withdraw cash in the currency of the host country; when withdrawing cash from ATMs of VTB Group banks in the CIS countries, no commission is charged; all non-cash card payments in Belarus and abroad are made without charging a commission; the ability to pay without commission for the services of mobile operators, utility bills at ATMs and information kiosks and on the Internet; the possibility of buying foreign currency (usually US dollars or euros) at ATMs of Belarusian banks providing this service; when traveling abroad, Van does not need to declare the funds on the account; the opportunity to receive a loan on accounts in Belarusian rubles in the form of an overdraft limit with monthly interest accrued only on the amount that you actually used; connection to the SMS-banking service - a service that allows you to find out your balance and pay for services "without getting up from the couch"; the ability to use the SMS-informing service (allows the cardholder to instantly receive information on the mobile phone about the amount of money received and available to him or about the debit transaction performed using the card); free connection and use of the Internet Banking service.

VTB Bank (Belarus): recent reviews

transportation of cash, payment instructions, precious metals and precious stones and other valuables between banks and non-bank financial institutions, their separate and structural divisions, as well as delivery of such valuables to customers of banks and non-bank financial institutions.

Today I encountered a terrible attitude towards customers and very disorganized work. In an almost empty bank branch in Arena City, I stood for 30-40 minutes. I even remember my number - 158, they simply ignored me, when I could not stand it and left, the 178th was already called.

The cashier who was supposed to take me to (the operation with cards is only in one place there) left the client who came to sit and she ran and was kind to the rest of the booths.

How to buy apps and games on Google Play

New year - new knowledge.

The manager walked by several times and didn't react to the situation.

Owners of mobile devices on the Android platform often present our editors with letters asking them to explain all the intricacies of buying games and programs in the Google Play Market application store. Some can't even handle the initial step. For everyone who is in any way experiencing difficulties with such virtual shopping, we present detailed and understandable instructions on how to buy applications in the Google Play Market.

With accompanying screenshots.

As for the first point, everything is quite simple: go to the site " google.com"And go through the standard procedure for creating your account - specify contact information, first name, last name, patronymic, phone number, and so on.

Often a citizen needs to borrow money from a credit institution. If the amount of borrowed funds is small, the Portmone card will be an excellent solution to the issue. VTB Bank provides its customers with this product. Let's see what the feature of the Purse is and how to get such plastic.

Map information

The credit card "Purse" from VTB belongs to the standard category of plastic. It is issued for a period of 48 months (4 years). This product of a financial institution is more focused on individuals than on business.

The peculiarity lies in the fact that the product combines the capabilities of a credit and storage card. Thus, the holder can both save money and spend it by taking the necessary amount (up to 5,000 rubles per day) on credit.

To get a loan, the client does not need certificates of profitability. The decision to grant a loan is made by the bank's specialists in a few hours.

Other Features of Card Wallet:

PayWave contactless payment system available;
you can make payments abroad;
you can pay for purchases and services on the Internet;
multicurrency (possibility of making currency exchange transactions);
individual interesting design.

Credit terms

Loan conditions are described in the table below:

Payments and commissions

As mentioned earlier, payments up to 5,000 rubles are available to the Wallet card holder. You can even make them abroad at ATMs of the international Visa system, to which this plastic is tied.

The amount of the commission fee for cashing out is the same as for most other banking products from the VTB Group: commission-free withdrawal of money in the payment systems of this organization and 1% commission for cashing out through the payment systems of other banks.

During the entire period of validity of the Purse, the client has the right to make payments on the Internet without additional commission. This is very convenient, since electronic transfers have recently been extremely in demand.

Requirements

The cardholder must meet the following requirements:

be a citizen of Belarus;
have a permanent registration on the territory of Belarus;
the age limit is set: from 21 to 62 years;
have a continuous work experience of at least 3 months.

Extra options

The peculiarity of the Purse is that the opening and maintenance of this card is available only to citizens of Belarus. Other banks of the VTB Group do not provide Purse on the territory of other countries.

The purse makes it easy to get credit funds. The loan is issued on special terms. Overdraft and Visa Classic Unembossed cards The client receives immediately upon opening. Early repayment of the loan is possible without charging additional interest.

The card service fees are as follows: interest must be paid only on the amount that the client actually used.

For example, a person took only 5 thousand rubles from the card, although the limit is 30 thousand, payment for the use of money will be calculated only from the amount of 5,000.

If a citizen travels abroad with Portmonet, he does not need to disclose information on the card, there is no special control over the money on the account. Thus, a person is released from the obligation to declare his money.

To corporate clients the Purse is made out on special conditions.

VTB also offers Internet banking and SMS informing services. The mobile app is very convenient. It allows you to instantly receive information on incoming or debited money.

At the request of the client, in the event of disability or death of the owner, VTB offers a life and health insurance service for the owner.

Insurance is paid separately.

Loan interest rates

The interest rate on a purse in VTB depends on the time during which a person uses borrowed funds:

up to 60 days of use, the rate will be 10 percent;
over 60 days - 29 percent per annum.

Card Purse of VTB Bank Belarus- This is a credit card, with additional features. provides the client not with a one-time loan, but with a revolving line of credit, .

The Wallet card can be accumulative, if you replenish it with your own funds in excess of the loan debt, then interest will be charged on the balance of your own funds.

The purse belongs to the instant issue cards, it can be obtained immediately after signing the contract.

Possibilities of the card Purse of VTB Bank Belarus

The main function of the Portmone card is to open a revolving line of credit, i.e. overdraft. on the Purse card - up to 5 thousand rubles.

The Purse card is convenient for users:

ease of ordering and fast delivery.
registration without certificates from the place of work;
a significant period of validity - 4 years;
the ability to repay the overdraft within 1 year.

The Purse card does not have the name of the owner on the plastic (Instant Issue), therefore, after the conclusion of the contract, there is no need to wait for the card to be made. They are already in the bank branch.

If you put more money on the Wallet card than is required to repay the loan, then bank interest will be charged on these funds.

for amounts up to 300 rubles. - 0.1%;
for amounts greater than 300.1 rubles. - 2%.

This is less than what most banks promise. But, in essence, keeping money on a card is the same deposit "on demand". Rates on such deposits are usually just at the level of 0.1%. And 2% with constant access to funds is already an unconditional benefit for the client.

Another convenient function of the Portmone card is contactless payments. This is especially important because the validity of the Card is 4 years, and the plastic wears out just at the moment of insertion into the terminals.

Conditions of the card Purse of VTB Bank Belarus

To get a Portmonet card, you need to be a citizen of the Republic of Belarus, or have a residence permit in the country, as well as:

be between the ages of 21 and 62;
have permanent registration in Belarus;
work in the last place for at least 3 months.

You do not need to document work and income.

To apply for the Card, you only need a passport.

The algorithm for designing a Purse card is quite simple:

Apply for a card.
Answer the call of a bank employee (within 2 hours).
Visit one of them to conclude an agreement and receive a Purse card.

When applying for a Purse, you should remember that, despite the ease of design, it is. It is necessary to approach the receipt of such a product with all responsibility, without delays in the past and other financial violations.

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