The Internet bank from VTB 24 was radically updated in December 2013. If earlier users often complained about the imperfection of the system and its outdatedness, now there are practically no such complaints. Apparently, the developers managed to analyze all the complaints of current Telebank customers (which is about 1.69 million people) and find an opportunity to eliminate all the shortcomings. We will tell you what the updated VTB 24 Internet bank is, the main customer capabilities, innovations and tariffs in this review.

Connection to the Telebank system

In order to connect to the Telebank system, you need to visit the VTB 24 office in your city (at the office you will receive a unique client number - UNK, and a temporary access password). Clients have 2 options for connecting to the system:

1. As part of the “Basic package”: work in the system based on SMS codes. Connecting to the package is free, the subscription fee for new clients is 300 rubles, starting from the 91st day of using the package. For some categories of clients (for example, those who have issued certain types of deposits or payment cards), the bank offers a bonus in the amount of a monthly fee for 60, 181 and 365 days. Payroll clients of the bank also do not have to pay a monthly fee.
2. As part of the "Advanced Package". To confirm transactions, not SMS codes are used, but a password generator and an electronic digital signature (issued at the bank branch upon connection). This reduces the risks when using “Telebank”, so users connected to the “Extended package” can make transactions in the Internet bank for more large sums. Connection to the package is paid - 500 rubles. There is no monthly fee. Users of the “Advanced Package” do not need to install additional software on their computer or connect the device to a computer and phone: they only need the generator itself, which has a service life of 5 years, and VTB card 24 with chip.

Until December 2013 (when the beta version of the new Telebank was launched), variable code cards were used as a means of confirming transactions, for which customers had to contact bank branches. As of May 12, 2014, their issuance was stopped. Valid certificates and activated cards codes can be used until their expiration date or until they stop working with old verification tools - September 1, 2014.

Main features of VTB 24 Internet bank

Using the Telebank system you can:

• Pay public utilities, mobile phone, Internet, traffic police fines, etc., using a convenient search form for organizations and templates.
• Realize Money transfers:
  • between your current and card accounts;
  • other Telebank clients, while you can only indicate the UNK and the client account - such a payment, unlike other intrabank transfers, is carried out in real time;
  • clients of other banks in Russia and abroad.
• Buy and sell currency (conversion operations).
• Open, close VTB 24 deposits and manage them.
• Receive information about balances on current and card accounts, generate statements for any period.
• Repay VTB 24 loans and receive information on them.
• Perform transactions on stock market.
• Get insurance. If your lost or stolen card is debited within 48 hours before the plastic is blocked, or you are robbed while withdrawing cash from your card, the bank will pay you insurance. Compensation is also paid if documents are lost along with the card. The amount of compensation varies from 20 to 150 thousand rubles, insurance premium– from 60 to 130 rubles monthly.

If you use VTB24 “plastic” for payments in online stores, then to connect to the 3D-Secure secure payment system you need to write an application at a bank branch.

Many bank clients used Telebank before the system update. They will be interested in comparing the old Internet bank with the updated one.

What's new in the VTB 24 Telebank system

The new Telebank provides customers with many more opportunities and is more functional. For example, the updated system allows you to customize the interface of the main page by installing certain information blocks (widgets) from the following list:

• “Accounts and cards” - displayed Current state user accounts;
• “Scheduled transactions” - all regular user payments;
• “Operations on accounts and cards” - the last 5 transactions are visible;
• “Templates” - selected templates are visible;
• “Credits” - valid VTB loans 24 or an advertising promotional block in the absence of valid loans;
• "Currency exchange rates";
• “Deposits and savings” - all deposits and compulsory medical insurance of the client.

It is also possible to set up transaction schedules indicating the exact payment date and transaction amount. When entering payment information, you can use the search system for bank partners and service names. In addition, users can create “signed templates”: the first time a transaction is executed, it can be saved as a template, giving it a name. In the future, such transactions can be carried out without confirmation using an SMS code.

An option for instantly blocking a card has been added, and it has become possible to generate a consolidated statement for all accounts. An interactive contextual help system has been introduced, which, while working with the system, tells the client what and how he needs to do at each step.

A convenient innovation is the “Important Messages” widget located on the top navigation menu bar. Each time they visit Telebank, users will be able to see information about:

• change in payment status (regular payment status, canceled and deferred payments);
• terms of deposits (extension and date of payment of the deposit);
• confirmation means (expiration of variable codes or certificate);
• subscription fee (expiration of subscription service or SMS notification service).

Also in the top navigation menu there are:

• settings (in this menu you can change the subscription settings for the SMS notification service, activate new map variable codes, change login and password, view browsing history);
• transaction limits (a detailed report on limits is displayed);
• bank news;
• "Help" (including frequently asked questions).

One more positive thing in the updated “Telebank” one can consider the absence of poorly understood abbreviations:

• Personal transactions (SPI) - all PPI that users created in the old version of Telebank have been converted into unsigned templates. You can find them in the “Templates” section on home page. To convert an unsigned template into a signed one, just click on its icon, check the details, come up with a name for it, and then click the “Save without payment” button, having previously entered the SMS code or variable code.
• Scheduled Operations (ROI) - All UROs created by users in the old version can be found in the "Scheduled Operations" section on the main page.

It is quite natural that you have to pay for convenience: on June 4, 2014, the bank changed the tariffs for Telebank users: for some transactions they became higher.

Service tariffs

1. Intrabank transactions:
   • transfers between your accounts are free;
   • transfers in favor of third parties – 0.1% of the amount, minimum 5 rubles. (1 cu), maximum 1500 rub. (150 USD). In foreign currency, as before, transfers are made only through an operator;
   • translations legal entities and individual entrepreneur – 0.3% of the amount, minimum 15 rubles, maximum 1500 rubles.
2. Transfer of rubles from a current account/card to another bank – 0.4% of the amount, minimum 15 rubles, maximum 1000 rubles.
3. Transfers of foreign currency from a current account to another bank – 0.4% of the amount, minimum 15 cu, maximum 150 cu.
4. Replenishment electronic wallets partner organizers – 1.5% of the amount, minimum 15 rubles.
5. Repayment of loans to bank accounts represented in the Internet banking system - 0.8% of the amount, minimum 15 rubles, maximum 1000 rubles.
6. Transfers to budgets of all levels, as well as payment for the services of companies that have entered into an agreement with VTB 24, are made free of charge.
7. Crediting funds to the client's account in the Telebank system from accounts Visa cards, Eurocard, MasterCard, issued by other banks – 2.5% of the amount, minimum 30 rubles. Funds are credited from cards issued by VTB 24 according to bank tariffs.
8. Assistance of an operator when transferring foreign currency to another bank - 300 rubles.

Having analyzed the capabilities of the new Internet bank from VTB 24 and assessed the changes made to the system, we can come to the conclusion that Telebank is now fully responsible modern requirements to remote customer service systems. Minor shortcomings include possible failures when delivering SMS codes to subscribers mobile operator MTS and statements are not always displayed correctly. However, these shortcomings will most likely be eliminated in the near future and will not in any way affect the overall quality of the system.

"is a remote service that will allow you to carry out most of your work without visiting the office. banking operations at any time via the Internet or telephone. " Mobile bank» will allow you to carry out the necessary operations directly from the screen of your mobile phone. The Teleinfo system is a free information service, thanks to which you will always be aware of transactions and movements of funds in your accounts. The VTB 24 Telebank system (telebank vtb24 ru) is an opportunity to effectively control funds on accounts and cards. Using a remote service, from any computer or phone you can convert funds, pay for utilities, Internet, electricity bills, make transfers, manage deposits and much more without contacting a bank office. According to statistics, today 70% of bank clients are users of convenient information system St. Petersburg, Moscow, Yekaterinburg and other cities.

Possibilities:

• transfers between your accounts (current and card); with restrictions - with your own current accounts outside the Telebank system (“ABS accounts”);
• opening, closing, replenishment and partial withdrawal of funds from deposits;
• currency exchange;
• transfers to other clients of the Telebank system;
• transfers within VTB 24;
• transfers to other banks;
• payment of commercial providers, charitable contributions, payment of commissions, fees, fines and duties;
• debiting from cards of other banks to an account in the Telebank system.

Connection Telebank VTB 24

To connect to Internet banking, you need to visit the nearest VTB 24 Telebank branch that serves individuals once and fill out a number of documents, which include an application and a card with sample signatures.

After a short time, the applicant becomes the owner of a unique client code (UCC), an authorization password, a copy of his application and a card with variable codes. After connecting to Telebank, an account is opened.

Login to Telebank VTB 24

The client can log in to the system - telebank.vtb24.ru either using a secure connection (if there is no electronic certificate), or using a certificate if available installed program Inter-PRO.

Having all the necessary information on hand, the user can independently complete all subsequent procedures. To do this, you must register in the system by entering the code phrase and in the appropriate field. All further actions are clear on an intuitive level. In the future, for ease of use and security, the client has the opportunity to change the password and replace the UNK with a pseudonym, which is recommended to be changed periodically. The procedure is described in the “Settings” and “Security” sections.

VTB Bank simplifies access to accounts and cards - now they are on your computer or phone. And you can pay for services or mobile communications with just a few clicks. Find out how to connect to VTB 24 Telebank. What opportunities does its use open up for you?

Why is it worth using Telebank services at VTB?

The Telebank online service gives you:

• benefits - make transactions on the Internet with lower commissions;
• convenience – 24/7 system availability;
• saving time - no need to go to the branch and stand in line;
• scheduling option - set the service the required payment date - the system will carry out the planned transfer without your participation;
• comfort – any transaction can be used as a template, and each account can be assigned its own name.

Connecting and using the Telebank online service

To start using the Telebank Internet option, you need to contact a VTB 24 branch. A bank employee will give you a login and password, which you will enter to access the system.

Enter the received data into the Telebank system in a way convenient for you:

• if you log in from a computer or laptop, then follow the link https://www.telebank.ru/.
• if you use VTB 24 online from a mobile phone, then install the application on your phone or follow the link https://pda.telebank.ru.

Features of the VTB Telebank service

Using the Telebank online service you can:

• pay for services (both monthly utilities and one-time ones);
• transfer funds both within Russia and to other countries;
• transfer funds within the bank, for example, repay a VTB loan from a card account;
• buy/sell currency online at an attractive rate;
• open deposits and manage them;
• repay loans from other banks;
• find out your account balances, see the movements of money on them;
• receive information on existing loans (remaining debt, amount upcoming payment etc.)
• buy securities on stock exchanges;
• configure SMS and email notifications.

Telebank system of VTB 24 Bank

VTB 24 took first place in the rating of Internet banking systems for individuals compiled by Finance magazine (Table 3.1.). The Telebank VTB 24 system is recognized as the best among similar systems provided by the largest Russian banks.

The Telebank system provides clients with the opportunity to manage their bank accounts around the clock, 7 days a week, using the Internet, WAP, touch-tone telephone or SMS messages.

Using the Telebank System, you can buy and sell currency online, make transfers in rubles and foreign currency, place deposits, replenish plastic cards, pay for utilities, cellular communications, Internet access, long-distance and international calls and much more. The system allows clients to find out balances and receive account statements, including plastic cards, for any period.

The Telebank system allows you to automatically make regular payments on behalf of the user, for example, for utilities, according to a specific schedule. It is possible to carry out an operation in the “deferred payment” mode, when the Telebank System executes the order as funds are received into the client’s account in the system.

The notification system promptly notifies clients about receipts to the account, execution of orders, and much more, by sending messages to email, pager, SMS.

Only a few offer to first use a demo version of their system for free, and some “demos” are limited to a set of presentation slides. I was pleasantly surprised by the demo version of VTB 24. It is no different from the real Internet banking system, except, of course, that you can manage virtual funds rather than real ones.

By becoming a client of the Telebank system, you get the opportunity to make various payments and account transactions at any time of the day, anywhere, including:

· manage your accounts and bank cards;

· promptly receive information about account and card balances, generate statements for any period;

· pay for utilities, cellular communications, Internet access, long-distance calls, satellite television and much more;

· convert currency;

· make money transfers within Russia and abroad;

· post cash in deposits;

· pay off (repay) loans;

· buy securities on the stock market;

· make transfers to charitable foundations.

You can top up your account in the Telebank system:

· through the cash desk of the additional office / VTB branch 24 (Russian rubles accepted, foreign currency: US dollars, euros, British pounds sterling);

· through the VTB 24 ATM network with a cash acceptance function - by replenishment bank card(only for holders of cards issued by VTB 24);

· transfer of funds from a bank card account issued by VTB 24;

· transfer from an account in any other bank;

· transfer of money from a bank card account issued by any Russian and foreign bank(card types: Visa Classic, Visa Business, Visa Gold, Eurocard / MasterCard Mass, Eurocard / MasterCard Business, Eurocard / MasterCard Gold);

· through the accounting department of your organization by monthly transfer of part of your salary.

You can withdraw funds from your account in the Telebank system:

· through the cash desk of an additional office / branch of VTB 24 from an account in the Telebank system (Russian rubles are issued, foreign currency: US dollars, euros, British pounds sterling);

· transfer to an account in another bank.

To provide information security in remote control systems banking services VTB 24 uses various means and methods of protecting information, from passwords to multi-level security systems based on modern cryptographic protocols and algorithms that implement encryption and work with electronic digital signatures (EDS). The choice of means and methods for protecting information depends on the type of remote banking system and the method of access to this system.

VTB 24 carries out activities in the field of information security on the basis of licenses Federal service security Russian Federation No. 3626X, No. 3627R and No. 3628U dated December 29, 2006.

All information security tools and methods offered by VTB 24 in each specific case make it possible to ensure the required level of information security of remote banking systems. At the same time, to ensure safe work In remote banking systems, the client must follow the following generally accepted recommendations:

· keep secret and not transfer to anyone your passwords, variable code tables, floppy disks with cryptographic keys, tokens and other means of access to remote banking systems;

· use computers whose software is fully controlled to work in remote banking systems;

· in case of loss of passwords, tables of variable codes, tokens, floppy disks with cryptographic keys or other means of access to remote banking service systems, as well as in case of detection of access to them by unauthorized persons, immediately block your work in remote banking service systems.

Most banks offer their own options for online services that allow customers to make transactions without personally visiting a branch or office. VTB Telebank is just such a system. It facilitates interaction between the client and the bank. It operates stably and efficiently, and thanks to thoughtful data protection, it allows you not to worry about the safety of personal information.

System capabilities

The Telebank system from VTB allows you to perform the following actions:

• Exchange currency by favorable exchange rate;
• , communications, Internet, telephony, deposit money into online wallets and so on. In total there are more than 3 thousand recipients in the system;
• Pay taxes and fines with a 50% discount;
• Work with deposits, starting with and ending with replenishment or withdrawal of funds;
• Receive or ;
• Create templates for frequently used operations;
• Activate “Autopayment” if you need to regularly transfer a certain amount to some account. For example, you can set up automatic replenishment of your mobile phone balance or loan payment;
• . Through Telebank this can be done with a 10% discount. Also, there is ;
• Transfer money to various charitable foundations.

The system is constantly being improved, supplemented and modernized, acquiring new capabilities and services. For example, an application has appeared that can be downloaded from the VTB website to your smartphone. In addition to the above features, it is also tied to the user's location and shows all nearby ATMs and branches.

Connection features

You can connect to the Telebank service at a VTB branch. To do this, you will need to write a corresponding application, the form of which will be provided by employees on site. Until 2017, this service was paid, but starting from April 25, 2017 it became completely free. It's even easier with the mobile version. Once access to the main system is obtained upon application, it is enough to simply download and install the application, entering the same login data as for the browser.

In some cases the system is blocked. There are two options: temporary and permanent blocking. In the first case, you just need to wait half an hour. In the second, you will have to either contact the nearest branch.

Transaction limits

VTB Telebank is online account, which virtually eliminates the need to visit the department. But it still cannot completely replace it. You can view the limits on transactions performed directly in your personal account. On the left side of the screen there is a section “Profile and Service Package”, in which you need to select the “Transaction Limits” item. They are installed individually for each user and come in two types:

• Monthly. This limit is “reset” exactly one month after the operation. Let’s say a client has a limit on transferring funds in the amount of up to 40 thousand rubles. Having transferred such an amount once on April 5, he will be forced to wait exactly a month, until May 5.
• Daily allowance. In this case, the limit limits the user only for hours. Let’s assume that at the same time as the limit of 40 thousand per month, there is also a limit of 5 thousand per day. Having made a transfer of 5 thousand at 10 am on April 5, the next time the user will be able to send money only at 10 am on April 6.

Login to your personal account and restore access

To login Personal Area you need to go to the official VTB website. In the upper right corner there is a button “Internet Banking”. If you hover your mouse over it, a menu will open in which individuals you must select “VTB Online”, and for legal entities – “VTB Business Online”. In the window that opens, you need to enter the UNK (unique client number). In fact, this is a login. Enter the password below. By clicking “Login” (provided that all data is entered correctly), the client immediately enters his personal account of this system.

It is almost impossible to lose your login. It is indicated in the agreement with the bank, and in addition, you can call hotline and select the “Accounts, deposits, Internet banking” section in the voice menu.

There will be a point there. The password comes in an SMS message. There are cases when the password is no longer working (it has an expiration date), you can get a new password through the same menu.

If the client has changed his phone number, he must immediately notify the nearest bank branch. After changing the data in the database, all functions will be available again.

Data Security Rules

Security systems used by VTB Bank confidential information sufficient to prevent fraudsters or attackers from gaining access to client accounts or data.

However, if the client himself provided information to third parties, this automatically increases the risk of hacking. There is no need to provide your personal account login details, phone number, one-time codes or plastic card information.

Bank employees do not ask for them. If someone demands such information, posing as a VTB employee, then this means they are a fraudster.

By observing these simple rules, the user will be able to ensure the proper level of security of personal data on his part. And the bank will do the rest.