Free service and no commissions. Why VTB multicard is a good tool for storing and receiving salaries
Miscellaneous / / December 08, 2021
1. Free service
WITH salary multicard VTB you don't have to meet special storage or spend requirements to avoid annoying month-end write-off notifications. It will be free of charge, regardless of the amount of purchases and how much money is stored in your account, and there are no deductions for push notifications either. Moreover, even if you accidentally forget the card somewhere, the bank will carry out the re-issue procedure free of charge.
Order a salary multicard
2. Fast registration and convenient transfer of salaries
Multi-card design takes only a few minutes: you need to fill out a small application on the bank's website or come to any VTB office. To activate it, link it to your phone's electronic wallet using VTB Online, or simply request the balance from an ATM.
To transfer your salary to a new card, you must submit an application to the accounting department of your employer. Sample form is available on the bank's website, but it is more convenient to use the VTB Online application - there is already an option with automatically filled in the details of your multicard. Remember: the employer cannot refuse you, because in accordance with
with article 136 of the Labor Code of the Russian Federation the employee has the right to change the bank to which the salary is to be transferred. But you must inform about your desire no later than 15 calendar days before the salary is issued.3. Commission-free transfers and cash withdrawals
WITH salary multicard VTB it is easy to send money to clients of other banks if the sender and recipient are connected to the fast payment system. For example, by phone number you can send up to 100 thousand rubles per month without commission. And there is no limit at all for transfers to VTB cards and accounts: they will always be free.
Another bonus is free cash withdrawal at any ATM around the world: you can get up to 350,000 rubles a day, and the monthly limit is 2,000,000 rubles. Therefore, it is convenient to travel both in Russia and abroad with a VTB salary multicard.
4. Personal loyalty programs
VTB awards bonuses just for the fact that you pay salary multicard. In the VTB Online application or in the bank's contact center, you can choose one of six special options: Cashback, Collection, Travel, Savings, Borrower and Investments. Do not be afraid to make mistakes: if something does not suit you, you can change your mind for free, at any time and an unlimited number of times. The new program will start operating next month.
Salary clients can use not only the standard, but also the extended size without commission rewards - it has a higher percentage of rewards and an increased maximum of funds for which bonuses are awarded. And the bank also allows you to issue up to five free cards in one package in order to summarize the costs and receive an increased reward.
What is the difference between VTB's loyalty programs?
- Cashback / Collection / Travel. For purchases made in Russia and paid for with a VTB multicard salary card, bonus rubles: 1.5% for up to 75,000 rubles per month and up to 20% for purchases from program partners "Multibonus". The bank gives its clients the opportunity to independently decide how to dispose of the received reward: virtual money can be exchanged for rubles at a one-to-one rate (option "Cashback"), or use to pay for goods and certificates from the catalog ("Collection" option), or spend on railway and air tickets, hotel reservations or car rental (option "Trips").
- "Saving". This option is suitable for those who want to increase their savings. For purchases from 10 thousand rubles per month, the bank will add either 1% per annum to the rate on the savings account or to a deposit for an amount of up to 1.5 million rubles, or 3% per annum on a current account for an amount of up to 100 thousand rubles. Income is paid by the 15th day of the next month.
- "Borrower". For purchases of 10 thousand rubles or more per month, paid with a VTB multicard salary card, the bank will provide a 0.3% discount to the mortgage rate or 1% to the cash loan rate.
- "Investments". This program allows you to receive cashback in rubles to a brokerage account for expenses that were made in Russia. A remuneration of 1.5% in the amount of up to RUB 75,000 per month can be spent on the purchase of securities and other assets in the VTB My Investments application. This option is especially useful if you are just going to try your hand at the stock market. When you connect it, a brokerage account will open automatically.
Order a salary multicard