Often a citizen needs to borrow money credit institution. If the amount borrowed money is small, an excellent solution to the problem would be the Wallet card. VTB Bank provides this product to its clients. Let's see what is special about the Wallet and how to get such plastic.

Map information

The “Purse” credit and savings card from VTB belongs to the standard category of plastic. It is issued for a period of 48 months (4 years). This product financial institution more aimed at individuals than businesses.

The peculiarity is that the product combines the capabilities of a credit and savings card. Thus, the holder can both save money and spend it by taking out the required amount (up to 5,000 rubles per day) on credit.

To receive a loan, the client does not need income statements. The decision to grant a loan is made by bank specialists within a few hours.

Other characteristics of the wallet card:

• PayWave contactless payment system available;
• you can make payments abroad;
• you can pay for purchases and services on the Internet;
• multicurrency (the ability to carry out currency exchange transactions);
• individual interesting design.

Credit terms

The terms of the loan are described in the table below:

Payments and commissions

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

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

During the entire validity period of the Wallet, the client has the right to make payments online without additional commission. This is very convenient because electronic transfers have been extremely in demand lately.

Requirements

The cardholder must meet the following requirements:

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

Extra options

The peculiarity of the Wallet is that the opening and servicing of this card is available only to citizens of Belarus. The rest of the VTB Group banks do not provide Wallets in other countries.

The wallet makes it easy to get credit funds. The loan is issued for special conditions. Overdraft and cards Visa Classic Unembossed The client receives immediately upon opening. Maybe early repayment loan without charging additional interest.

Tariffs for servicing the card 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 using the money will be calculated only from the amount of 5,000.

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

For corporate clients, the Wallet is issued under special conditions.

VTB also offers Internet banking and SMS notification services. Mobile app very comfortably. It allows you to instantly receive information on money received or written off.

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

Insurance is paid separately.

Loan interest rates

Size interest rate by wallet at 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 Wallet 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 Portmone card can be cumulative; if you top it up with your own funds in excess of the loan debt, then for the balance own funds interest will accrue.

The wallet is an instant issue card; you can receive it immediately after signing the contract.

Features of the VTB Bank Portmone card Belarus

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

The Portmone card is convenient for users:

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

The Wallet card does not have the owner's name on the plastic (Instant Issue), so after concluding the contract there is no need to wait for the card to be produced. They are already in the bank branch.

If you put a Wallet on the card more money 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 rub. - 2%.

This is less than what most banks promise. But, in essence, storing money on a card is the same as a demand deposit. 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 feature of the Portmone card is contactless payments. This is especially important because the Card is valid for 4 years, and the plastic wears out just the moment it is inserted into the terminals.

Terms and conditions of the VTB Belarus Bank Portmone card

To get a Portmone card you need to be a citizen of the Republic of Belarus, or have a residence permit in the country, and also:

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

There is no need to document proof of work and income.

To obtain a Card, you only need a passport.

The algorithm for designing a Wallet card is quite simple:

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

When applying for a Wallet, you should remember that, despite the ease of design, it is. You need to approach the receipt of such a product with full responsibility, without having past delays or other financial violations.

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Credit term:	48 months
Loan term (overdraft limit):	12 months
Maximum loan amount (overdraft limit):	5,000 BYN
Interest rate on loan:
Method of loan provision:	To Visa Classic Unembossed / Mastercard World card
Card design (validity period - 4 years from the date of issue):	For free
The interest rate on the balance of own Money On account
from 300 rub. 01 kop. BYN and more

Requirements for the borrower:

Commissions

Cash withdrawal from bank devices and ATMs of banks included in the VTB Group in the CIS countries and Georgia	No charge
Issuance of cash in devices of other resident and non-resident banks	3 min. 5 BYN
Cashless payments	No charge
Payment for goods and services via the Internet	Provided
Subscription fee for using the "SMS-informing" service, per month	3.00 BYN
Account maintenance, per month**
when performing a certain volume of non-cash transactions for paying for goods/services using a card	not installed
if a certain volume of non-cash transactions for paying for goods/services using a card is not completed	9.90 BYN
the volume of non-cash transactions for paying for goods and services using a card, reflected on the account in the month the commission (fee) was calculated.	200 rub. 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; no subscription fee is set or charged: 1) when operations on the account are suspended 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 a current validity period. Disabling the SMS-informing service is possible only on the basis of a written application from the client.
**Account servicing includes service for issue and re-issue on new term the main card, provision of account statements, servicing transactions made using cards issued to the account, and provision of other services, with the exception of transactions/services for which a separate fee is established depending on the product and the date of conclusion of the agreement on the use of the card. Calculated on the last working day of the month, starting from the month the bank account was opened. No fee is charged or charged if there is no movement on bank account in the current month or suspension of transactions on the bank account for closure, including the month of suspension. To be paid 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 performing any transactions around the world.

Features and benefits of the Mastercard World card:

• special offers and promotions for cardholders

• the time spent on registering 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 funds only in the required amount and at a frequency convenient for you, countless times during the entire loan period (one year), while the overdraft limit when repaying the debt is constantly renewed, and early repayment is carried out without restrictions;
• Interest is only calculated on the amount you actually used and you are sure of the payment amount.

Detailed information about commissions for transactions with bank payment cards in.

Debt repayment is carried out automatically from the amounts located and/or received into the account.

From 1st to 15th of the month

• at Bank offices without using a card.

From 1st to 12th of the month

• at Bank offices using a card;
• in the branches of RUE "Belpochta";
• in points banking services 24 banks participating in the “Raschet” system - ERIP.
• through Internet payment services (for example, www.e-pay.by);
• through the Internet Banking 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 restrictions!

During the loan period you must repay:

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

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

Bank_VTB_Belarus. Respect to you for coming out to people. We hope that we will receive prompt responses from you.

Credit cards from your bank can be repaid via 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 only possible 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 such a thing exist?

And sometimes you stand in line to deposit 200 million, and in front of you people put 5,000 on their mobile phone.

In order to improve the quality of service in the branches of the company, in the Additional office No. 1 (No.

Bank cards

Visa Classic Unembossed is an international card with a standard set of functions for clients 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 suitable for all types of purchases and cash withdrawals.

You can use it to make purchases in online stores. 24/7 access to funds stored in a bank account; the ability to block and unblock a 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, and 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 payments by card in Belarus and abroad are processed 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; purchase opportunity 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 in the account; opportunity for accounts in Belarusian rubles receive a loan 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 leaving the couch”; the ability to use the SMS information service (allows the cardholder to instantly receive information on mobile phone about the amount of funds received and available to him or about the expense transaction made using the card); free connection and use of the Internet Bank service.

VTB Bank (Belarus): latest reviews

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

Today I encountered terrible attitude towards clients and very disorganized work. I stood in an almost empty bank branch in Arena City for 30-40 minutes. I even remember my number - 158, they simply ignored me, when I couldn’t stand it and left, they already called 178.

The cashier who was supposed to receive me (there is only one place for card transactions) left the client who had come to sit while she ran around 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 did not react to the situation.

Owners of mobile devices on the Android platform often present our editorial staff with letters asking us to clarify all the intricacies of purchasing games and programs in the Google Play Market application store. Some can't even handle the initial step. For anyone who in any way experiences difficulties with such virtual shopping, we present detailed and clear 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 website “ google.com" and go through the standard procedure for creating your account- indicate contact information, first name, last name, patronymic, phone number, and so on.