VTB online

Main article: Mobile applications

2024

Launch self-unlocking of a mobile application using a smartphone and an NFC card

VTB launches the technology of self-unlocking a mobile application using a smartphone and a bank card with an NFC module. This will allow you to restore access to your personal account in a few clicks if it was limited due to suspected fraud. This was announced on October 15, 2024 by the Deputy President - Chairman of the Board of VTB Georgy Gorshkov.

To restore access to VTB's personal account Online, the user now just needs to select the "unlock by NFC" option and attach a bank card to a smartphone (with a mobile application on Android 6.0 and higher devices). After reading the card, the client logs into VTB Online and after a couple of minutes can again use the mobile online bank.

Previously, it was possible to unlock your personal account at a bank branch (about 80% of customers chose this method), at an ATM (about 16%) or after calling a contact center (about 4%).

According to VTB forecasts, now up to half of customers will prefer independent unlocking using NFC technology. For everyone else, other ways to restore access to your personal account will still work. So far, the option is available for those who have blocked their profile themselves. It will soon be open to those whose profile was blocked by the bank due to suspected hacking of a personal account.

If fraud is suspected, banks can block a user's profile in a mobile bank. Of course, going to the office to unlock is inconvenient, albeit better than losing your money. Thanks to technology, you can now do this in a couple of minutes - just bring a card with an NFC chip to your smartphone. And for users of smartphones on iOS, we will soon develop a selfie unlock, "said Georgy Gorshkov.

VTB also launched a technology that allows you to untie all devices with access to the mobile application or the online version of VTB Online or immediately block access to it with the ability to recover through an ATM, branch or NFC. After resetting sessions, access to attackers will be blocked. This option is already available by calling the call center, through bank branches, and will also be launched soon in the web version. Instead of blocking, the unlocking of devices is already chosen by more than 40% of all those who applied to the contact center.

Real-time phone balance viewing service for Megafon customers

in VTB partnership with the mobile operator MegaFon , it launched a service for viewing the balance of the phone in real time in. bankapplication According to to data bank this functionality, at least 7 million people will use it. The bank announced this on September 25, 2024.

Now customers do not need to switch between bank and operator applications. MegaFon subscribers can monitor the current balance of their mobile number immediately on the main screen in VTB Online and instantly replenish it.

For the convenience of users, VTB Online provides for the setting of auto payments, which allows you to automatically replenish your phone balance when the minimum amount is reached or on a specific day of the month. Over the year, the number of customers who use the auto payment service for mobile communications has grown 2.5 times and every month more than 1 million people replenish the balance automatically.

As of September 2024, such a service works only for two mobile telecom operators - beeline and MegaFon. We are ready to replicate and connect it to other telecom market participants so that all our clients can simplify everyday financial transactions. A service is also available for them to display the balance - Avtodor, Troika and Parking of Russia. We expect that thanks to the live balance service, we will increase by 15% the number of users who will replenish mobile communications from MegaFon through an online bank, "said Ruslan Novikov, head of Payments at VTB's transactional retail business department.

Thanks to integration with VTB, our customers have access to online viewing and replenishment of the balance directly from the main page of the online bank. This will significantly save time, as you will not need to use different applications and simplify the payment process. More than 95% of all payments for communications and other services of mobile operators are made online, - said Andrey Egorov, Director of the B2C Product Department at MegaFon.

A fake VTB application has appeared in the App Store, which steals user data

Fake apps have appeared in the App Store VTB Tinkoff Bank that steal user data. This was Ministry of Internal Affairs (Ministry of Internal Affairs) of the Russian Federation reported on April 10, 2024. More. here

2023

Year-over-year user growth of 20%

The number of VTB Online users in 2023 increased by almost 20%, reaching almost 18 million people. Every second bank product is issued remotely, while VTB Online Bank is already 99% replaced. This was announced on January 16, 2024 by the Deputy President-Chairman of the Board of VTB Georgy Gorshkov.

According to the top manager, the activity of using the bank's digital services increased by a third over the year. Every month, more than 15 million users enter the online bank and take active actions there. On average, there are up to 22 entrances per client per month.

Every second banking product is issued remotely - the share of sales in digital channels amounted to 53% at the end of the year. Most often, the bank's clients issued deposits, savings accounts and cash loans. In 2023, the bank radically accelerated the decision-making process for issuing loans - in almost 100% of cases, a minute is needed to find out the result. When applying for all credit products, customers can now use data from a citizen's digital profile using a unified identification and authentication system (ESIA).

The leaders in online transactions are traditionally transfers and payments. The largest growth was demonstrated by transfers through the fast payment system, their volume increased by 60% in 2023. QR codes become a promising way to pay for goods and services for customers - the number of scans increased by 70% compared to 2022.

The banking application provides customers with full and remote access to financial products. It is important for us to maintain the high-quality work of VTB Online and constantly develop its functionality, refining and improving the quality, as well as the speed of service. Over the past two years, we have been actively working on updating it, bringing our web technology to the level of a full-fledged mobile application. The development of technologies using domestic services will be one of the focuses of VTB's strategy until 2026. As of January 2024, our digital bank is already 99% imported. We are represented in all domestic application stores and even among mobile device manufacturers, and everywhere users highly appreciate our development. Confirmation that we are moving in the right direction of the development of our online services is the growth of the audience for 2023 by almost 20%, and in 2024 we plan to overcome the mark of 20 million active users, - said Deputy President-Chairman of the Board of VTB Georgy Gorshkov.

VTB Online is available in any, browser as well as on smartphones iOS and. Android

Release of the version for the Aurora OS

VTB has developed a banking application for the Aurora domestic operating system. This was announced on November 9, 2023 by Rostelecom. The service will be tested from November 2023 to June 2024, said Svyatoslav Ostrovsky, a member of the VTB board.

The VTB Online prototype, created for the Aurora operating system, supports all the main and demanded services for users: transfers and payments for every day, payment by a QR code camera, quick search for ATMs and branches using geoloĸatsii, updating profile data through Public services, support for a dark topic for comfortable work.

VTB pays increased attention to the development of digital channels and the introduction of its financial services on new platforms. In the near future we will become available through Aurora - a secure domestic operating system with all the necessary set of certificates for uninterrupted operation. At the same time, Aurora allows you to fully use VTB Online and based on hybrid web technology, so customers, as always, will have the opportunity to choose the channel of interaction with the bank that is most convenient for them, - said Svyatoslav Ostrovsky, member of the VTB Board.

Mobile devices and applications with Aurora OS are in demand in the public sector and large companies to replace unsafe and untrusted solutions based on Android and iOS, ensuring the stability of business processes and increasing the efficiency of employees. For November 2023, the Aurora ecosystem has all the necessary applications for everyday work tasks. And the VTB-Online application for Aurora OS provides an additional opportunity for the bank's clients to use the same device for conducting personal financial transactions in a trusted environment, without distracting from work processes, which, of course, will be positively perceived by users, "said Maxim Piskarev, director of products ecosystem Aurora.

Introduction of technology for removing digital rubles at ATMs

On November 8, 2023, VTB announced the first technology for removing digital rubles through ATMs to Russia. Its capabilities will be available to users of the VTB Online Internet banking system. It is assumed that it will be possible to receive real money converted from digital rubles in any of the 14 thousand ATMs of the bank throughout the Russian Federation.

According to the press service of the credit institution, in order to withdraw cash from the digital ruble account, the client needs to point the smartphone camera at the QR code of the ATM, after which VTB Online will open on the user's screen. As a source of debiting funds, you need to choose a digital ruble account, from where the necessary amount will first go to a non-cash account and then be available from a bank account for withdrawal at an ATM. The transfer from the digital ruble to a non-cash account will take place instantly and seamlessly for customers. All three forms of the ruble are equivalent to each other: 1 digital ruble = 1 non-cash ruble = 1 cash ruble.

Transfers and payments with a digital ruble are free for individuals, and when paying by individuals in favor of legal entities, the commission is 0.3% of the payment - this is 4 times lower than normal tariffs. The client can have one digital account with the bank, which will be available in the applications of banks connected to the digital ruble platform. In the future, it is planned to introduce smart contracts - making a transaction upon reaching certain conditions - and offline payment, when instant payments can be made even in the complete absence of the Internet.

As noted by the Deputy President-Chairman of the Board of VTB Georgy Gorshkov, by November 2023, the digital ruble is checked by banks on real operations, after which the project will be launched into mass circulation.

In order to make it understandable to users, you need to prepare the entire infrastructure in advance. The launch of technology for removing digital rubles at ATMs is a big step in this direction, which will make the process of working with them clearer, more convenient and easier. Soon, as part of a pilot at VTB Online with digital currency, it will be possible to perform the usual operations without visiting the office, he said.[1]

Enter payment details using AI in the Android app

VTB Bank has released the next VTB Online update for Android, in which customers can enter payment details in a second. Instead of a person, this is done by artificial intelligence developed by the Russian scientific company Smart Engines. The company's scientists have created and trained ultralight neural networks that recognize payment details in the image right on the phone. This was announced on October 13, 2023 by representatives of Smart Engines.

As reported, when making a bank payment, a person needs to manually enter from 29 to 50 digits. The TIN of a private person consists of twelve digits, the legal person consists of ten. KPP and BIC - each with nine digits. The number of the current bank account is 20 digits and in it can go 5 or more zeros in a row. At the same time, all details are usually printed in small print, so it is difficult to enter them quickly without error and check (especially zeros) not only on the phone, but also on the computer. And in case of errors, the payment may not go through or the money may go wrong, and the details themselves will need to be re-entered.

In the next update of VTB Online on the Android platform for making a payment TIN, checkpoint, BIC and settlement number Bank accounts are automatically entered. The recipient of the payment is located by TIN and KPP, and banking information is located by BIC and account number. Checks the correctness of filling in the details, and you can pay.

The client can take photos of details or select an image from the gallery. This may be a saved screenshot screen. For text recognition, Smart Engines proprietary OCR technology is used, which even works on a regular smartphone. Thus, to extract data, the image does not need to be transmitted to the bank server and use the computing power of the server and GPU to recognize the details.

Every month, about 2 million users of the mobile application and the web version of VTB Online pay bills by scanning the QR code. Often they only have details. For payment on such receipts or accounts, customers had to manually enter up to 50 digits. We wanted to optimize this process and make payments on details as fast and convenient as payment using a QR code. Our partner, Smart Engines, has developed a technology where artificial intelligence helps customers enter payment details, while digit recognition is fast. noted Rostislav Yanykin, Head of Transaction Retail Business at VTB

Since mid-2022, VTB has been using the Russian solution of Smart Engines to recognize QR codes, bank cards and phone numbers. Customers use it to make payments and transfers to VTB Online. Payment details recognition technology is available to VTB retail customers after installing VTB Online version 18.1 for Android. It can be downloaded from the Galaxy Store, AppGallery, RuStore, GetApps and the VTB website.

Ability to connect the YClients platform for the self-employed

VTB has expanded its line of business services for the self-employed. Now they can, on special terms, connect YCLIENTS − an automation platform for the service business. The bank announced this on October 13, 2023.

YCLIENTS allows companies to increase profits and reduce costs. With the help of the service, you can close a large number of business tasks in a single window: establish work with the client base and schedule, track expenses and revenues, keep inventory, analytics, launch promotions and dozens of others.

Self-employed − hairdressers, masters for an hour, tutors, guides and many other specialists can also use all the capabilities of the service. It is available to VTB Bank customers on special terms. You can access YCLIENTS in the personal account of the self-employed in the Internet bank and the VTB mobile application. When connecting the service, the client receives a special promotional code, which must be entered when registering on the CLIENTS website. You can test the capabilities of the service for free and choose a suitable tariff within 7 days of the trial period.

At VTB, the self-employed receive not only access to a convenient personal account to track income and form checks, but also to useful business services, each of which is selected based on their needs. A significant part of our clients conduct business in the service sector, where it is especially important not only to find, but also to keep customers thanks to high-quality service. Therefore, together with our partners from YCLIENTS, we launched a special offer that will allow them to increase the number of records and subsequently lead to an increase in the average check and business income, − said Spartak Solonin, head of the corporate digital business department, senior vice president of VTB.

YCLIENTS adjusts to business objectives of any size. The product is effective for both a large network of dozens of branches and those who are just starting their way. We are confident that a single standard of business, based on the experience of leading companies in the industry, will give a powerful impetus to novice entrepreneurs. With the help of YCLIENTS technologies, VTB users will be able to more efficiently attract customers, relieve the burden on employees through automation, save on payments and, as a result, increase their income, − said Mikhail Kondakov, Development Director of YCLIENTS.

Launch of the "light" version on VKontakte

On October 10, 2023, VTB launched a "light" version of VTB Online on VKontakte for customers of other banks. Platform users will be able to simply register and try the bank's services for the first time - to make replenishment and transfers using a digital debit card without leaving the platform. According to VTB estimates, up to 100 thousand people will use the service in six months.

To use the service, in the official community of the bank on VKontakte, you need to switch to messages with VTB. After that, start a dialogue with the chatbot, then select the "VTB Online" option and then click "I am not a VTB client."

After registration, it will be possible to transfer money to a card of another bank, replenish a digital card, view detailed information on it, transaction history and balance. It will also be possible to leave an application for registration of bank products through the "Products" section.

In April, as an alternative customer service platform, we launched VTB Online Bank on the VKontakte platform. Now we begin to optimize existing options and add new ones that can be as useful as possible for current and new users. The opportunity, without leaving VKontakte, to pass a minute registration and immediately start using the bank's digital card, issue applications for other financial products is one of the easiest ways to get acquainted with the services of an online bank or solve an urgent financial issue. The audience of the "light version" of VTB Online in 2023 reached 1.8 million people, and we expect the maximum benefit of such an option in instant messengers, - said Nikita Chugunov, Senior Vice President, Head of VTB's Digital Business Department.

VTB launched the Bank in VK in April 2023. The service opens up the ability to transfer money by phone number and between your accounts, make payments, including paying bills in a package, view the balance and transaction history. The audience of the digital bank is actively growing: as of October 2023, about 100 thousand users are already communicating with VTB chat bot on VKontakte. Customers are actively interested in viewing the account balance (90%), and among the transactions the most popular was the transfer through the SBP (60%).

Adapting the web version for smartphones

VTB brought the web version of VTB Online to the level of a full-fledged mobile application, providing the maximum level of its speed and a set of available services and options. Since the beginning of 2023, its audience has grown by a third, and in total, 13.5 million users are active clients of VTB Online. This was announced on September 11, 2023 by Nikita Chugunov, Senior Vice President, Head of VTB's Digital Business Department.

The online version of VTB is available to users for download on the website online.vtb.ru. As a result of the improvements that VTB has been making continuously since the spring of 2022, it now has all the advantages of a mobile application. Among them: entering using biometrics in a couple of seconds, using the address book when performing operations, paying for QR code services, connecting additional security settings and much more.

The audience of the VTB Online web version is constantly increasing: since the beginning of 2023, it has grown by 32%. The service is available smartphones iOS both for owners on the basis and, Android with the share of the former being 60%. Interestingly, 9 out of 10 users work with it with smartphone and only 1 with or. laptops computers

Over the past year and a half, we have systematically updated the functionality of the VTB Online web version in order to fully adapt it for a mobile application. Significant improvements helped not only to preserve customers who are accustomed to solving their financial issues with VTB, but also to increase their audience by a third. It is fundamentally important that our customers, regardless of their operating system, do not experience any restrictions in online service while maintaining the habitually high speed and quality of service. As of September 2023, 13.5 million people are already VTB Online users, and for them we will continue to optimize our remote service in order to make it independent of the decisions of other companies, "said Nikita Chugunov, Senior Vice President, Head of VTB's Digital Business Department.

VTB Online is available in any browser for users tablets and PCs, as well as on smartphones platforms and. iOS Android

In 2022, VTB announced significant improvements and the introduction of convenient options in VTB Online on the website: payment for services using QR codes, management of online subscriptions through the SBP, and the connection of additional security settings. In addition, it became available to set limits on transfers, hiding sections with products on the main page, the ability to change the login and password and transfer the phone number of the fraudster through chat.

2020

Availability of remote operation confirmation

Clients of the Privilege and Prime segments were able to create orders for financial operations on the call and remotely confirm them mobile application VTB online. VTB Bank announced this on August 6, 2020.

To use the service and receive the service, a VTB client needs to call his personal manager or service line and inform you what action needs to be taken. A bank employee will independently create a draft transaction in VTB Online for payments, transfers, currency conversion, opening an account and deposit. Immediately after talking with a specialist on the main page of the application, the client will have a notification "Confirmation Operations," which will display a list and details of all instructions, as well as the period by which they need to be confirmed - you will not need to enter the data yourself.

Thus, you can make a payment, transfer or exchange currency in a matter of minutes, while making a minimum of effort. In addition, the client has the opportunity to carry out the operation within three days after its creation.

All transactions that are made in this way are subject to VTB Online limits. According to Anatoly Pechatnikov, this service will be useful when performing complex operations, where you need to enter details and account numbers, and when the client does not have time to independently create an operation in a mobile application.

Recent events have shown the relevance of remote services. Now our clients can make transfers and payments, open accounts without visiting the office and save time on creating transactions and filling out details - for them these actions will be carried out by a bank employee. You can safely confirm the operation in the VTB Online mobile application. By launching such a service, we are solving our strategic task of making service even faster, and the client path is even more convenient, "said Anatoly Pechatnikov.

VTB Online remote transaction confirmation service is available for iOS and Android users. In the future, VTB plans to expand the list of operations that can be confirmed in the application.

AppGallery Availability

In the official application store, AppGallery which is available to owners smartphones Huawei and, Honor appeared from the mobile application bank - VTB VTB Online. The bank announced this on July 30, 2020.

To enter the application, a new user will need to enter his number maps or a unique customer number (UNK), which can be found in the contract with the bank. Next, you need to come up with an access code for quick entry - it can be from 4 to 8 characters long. To continue to be authorized in VTB Online by fingerprint, the client needs to select "Settings" in the "Other" section, go to the "Use fingerprint" tab and give consent to use your own. biometric data

We want to be present at all sites that are convenient to use our customers. Owners of HUAWEI and HONOR smartphones for a long time could only work with the online version of VTB Online. At the same time, some important functions are available only in the mobile application. Now customers have the opportunity to install our application from the official AppGallery store and use all available services and services, "said Nikita Chugunov, head of the digital business department - senior vice president of VTB.

For users, such application functions will be available as, for example, transfers between accounts and cards to any bank, transfers around the world in one of 6 currencies, free transfers to another bank by phone number, payment of various services and fines with a 50% discount, applying for a loan in one click and other functions.

AppGallery is one of the three common global app stores, reaching more than 170 countries as of July 2020 and an audience of more than 400 million users. More than 1.3 million developers are involved in the development of the platform, increasing the number of available applications and expanding the audience of the store. AppGallery is not only a platform for providing applications, but also a set of services for the efficient and safe operation of mobile devices.

The ability to contact the bank's specialists through a mobile application

VTB customers will be able to contact the bank's specialists through the VTB Online mobile application on Android and iOS. You can contact the contact center through the "Call the bank" function. The bank announced this on July 28, 2020.

Calling through a mobile application is a secure and reliable communication channel for bank customers. Such a call can be made from anywhere in the world for free for the client, without using roaming or minutes of communication: the user only needs the Internet.

Previously, customers could only call the bank by phone. At the same time, when calling in Russia, payment was not charged from them, but if the client called from abroad, then he paid decent money for communication with a bank employee. Now any VTB Online user will be able to call the bank absolutely free of charge and resolve their issue - it is enough to have a mobile application and Internet access, - said Grigory Salnikov, head of the Unified Client Identification department of VTB Bank.

Ability to obtain a certificate of interest paid on the mortgage for tax deduction

Customers VTB will be able to get a certificate for tax deduction from VTB Online. The bank announced this on July 17, 2020.

VTB Online has the opportunity to order a certificate of paid interest on to mortgage to the credit - the document is needed to receive a property tax deduction. Previously, for this, customers needed to visit the bank's office, now the entire process is available online and takes only a couple of minutes.

To receive the service, the client needs to go to the "Order Help" section in the "Other" tab in the mobile application and select the "About Paid Interest" help. In the Internet bank, the service can be found by clicking on the user profile. Then the system will offer to choose which of the credit products you need to draw up a document for. Next, the client chooses the year for which he wants to receive a certificate, and indicates the email where it will go. Thus, the process of obtaining help will take a minute.

We see how rapidly various government services "go into numbers." For example, you can already apply for a tax deduction to the Federal Tax Service online. To do this, you need to have digitally all the necessary documents, including a certificate of the interest paid. Usually you need to follow her to the bank office. We decided to help our clients save time and added to VTB Online the opportunity to get a certificate without leaving home. I am sure that this service will be in demand among the bank's clients and will help them draw up a tax deduction, - said Mikhail Buturlin, head of VTB's End-to-End Business Components department.

A certificate of interest paid is needed to receive a tax deduction for mortgage interest paid. At the same time, the certificate received through VTB Online will be valid in the Federal Tax Service - it has a seal and facsimile of the responsible employee.

If the client does not have a confirmed account on the website of the Federal Tax Service (nalog.ru), he will be able to go there using the State Public services portal. If the user has not yet registered on the portal or has not confirmed his account there, this can be done in just a few minutes through VTB Online: the service is available both in the mobile application and in the Internet bank.

Possibility of buying exchange-traded investment funds

On July 14, 2020, VTB announced the expansion of investment opportunities through mobile and Internet banking. Now VTB Online can buy exchange-traded mutual funds (BPIF).

VTB customers will be able to purchase BPIF in rubles, dollars or euros from VTB Online. To do this, the user just needs to enter the "Investments" section, select a fund and make a purchase.

Exchange-traded investment funds are ready-made portfolios of securities, the peculiarity of which is the ability to invest money in many securities at once, which reduces the risk of investment. In addition, you can start investing in one piece, which ensures a low cost of starting investments, VTB explained.

"VTB provides a wide range of exchange-traded investment funds. This product appeared only a year ago on the Russian market and during this time managed to become quite popular. Even with very small amounts of investments, it makes it possible to invest in a widely diversified portfolio of securities, while commissions are minimal. It will now become even easier to buy it, directly from VTB Online. Making investments understandable and affordable way of increasing funds is our strategic priority, "said Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President, Head of Brokerage Services at VTB.

In April, the bank sold to VTB Online the purchase of VTB bonds and OFZ-n. Customers who are interested in a wider range of securities can also install the free VTB My Investments application with access to more than 5 thousand instruments.

Launch a prompt for transfers to other banks through the SBP

VTB-Online users will receive contextual hints during transfers to customers of third-party banks through the Fast Payment System. Now, if errors occur in the process of sending funds to cards of other banks, VTB customers will be able to send short and convenient instructions to transaction recipients through instant messengers. VTB Bank announced this on June 16, 2020.

If the recipient in another bank did not agree to accept incoming transfers, then a message will be displayed in the text of the error in VTB-Online ("The recipient did not agree to the transfer by phone number in. <название банка>Select another bank or share instructions with the recipient"). The instructions show all the actions that the user must take to connect his consent. The PDF file can be safely sent to your friends, family or counterparties through instant messengers.

{{quote "We want to make transfers through the SBP convenient for our customers and pass as quickly as possible to any third-party bank. The usual level of approval of outgoing transfers for our customers was more than 90%, but since May 2020 it has decreased by 2-3 times. The main reason is that not all clients of the participating banks of the SBP gave their consent to accept incoming payments. We have developed a service that will allow you to send them special tips that allow you to quickly and easily accept incoming payments. According to our assessment, this will increase the potential volume of transfers by about 2.5 times, - said Nikita Chugunov, head of the digital business department - senior vice president of VTB. }}

For five months of 2020, VTB customers made over 4.7 million transfers in the fast payment system in the amount of over 35 billion rubles. The average check for one transfer amounted to 9 thousand rubles.

Special instructions for connecting consent are available on the website vtb.ru.

More than 55 thousand VTB customers used the account confirmation service on the public services portal "

In less than a month of operation of the service for registering and confirming an account on the Public services portal, launched on May 9, 2020, more than 55 thousand VTB-Online users have used it. The entire confirmation or registration process takes no more than a minute. This was announced on June 4, 2020 by the bank.

Since the launch of the service, 30 thousand people have confirmed their account on the Public services portal. More than 25 thousand checked their account with VTB-Online, and it turned out to be confirmed.

The service allows VTB customers not to go to the bank's office or service center to confirm their account - everything can be done online. With a confirmed account, customers will be able to remotely receive digital public services.

Шаблон:Quote 'author = noted Nikita Chugunov, Head of the Digital Business Department - Senior Vice President of VTB.

It is easy to confirm an account on the Public services portal. To do this, go to the "Other" section in the VTB-Online mobile application and select "Registration with Public services." In the Internet bank, you will need to go to your user profile. Then the client needs to enter the SNILS number, if it is not in the profile, and click the "Continue" button - the entry will be confirmed. If the account on the portal has not yet been created, the client will be able to register directly with VTB-Online.

VTB Bank intends to continue to closely interact with the Ministry of Digital Development so that it is convenient for customers to use remote services.

Easy to sign in to your mobile app

On June 1, the company VTB announced that it had simplified the procedure for entering VTB-Online - now customers will be able to enter faster. mobile application At the same time bank , it provided an additional process, safety and the proposed creation system password became more reliable.

According to the company, three updated functions are implemented in the mobile application. The entry into the mobile application has been simplified - before that, in order to go to VTB-Online for the first time, the client had to take 15 steps and enter one-time codes of four SMS. As of June 2020, the client receives only one message, and the number of steps has been reduced to three. To enter VTB-Online, now it is enough to enter the card number, one-time password from SMS and create an access code.

The changes also affected the access codes for entering VTB-Online. If earlier the user could set a passcode with a length of only four characters, for June 2020 - from four to eight. The bank also lifted some prohibitions on creating passwords: customers will be able to use two identical numbers in a row and create passcodes that resemble a year - 19XX. In addition, the password for entering VTB-Online can now consist not only of numbers, but also include letters and characters. For many users, such passwords are more familiar and more convenient.

VTB plans to continue to simplify access to the mobile application and the Internet bank: the entrance to VTB-Online by QR code and phone number will be implemented. The plans also include the development of a login with a VTB-Online account for partner resources.

Launch cash loans by phone

On May 20, 2020, VTB announced the expansion of remote sales services and the launch of cash loans by phone. The service is available to current bank customers who already have an approved offer, but cannot visit the office due to self-isolation.

The process of remote loan issuance takes place in several stages. At the first, the client receives an offer from an employee of the VTB contact center by phone. If the borrower agrees, they are connected to an office employee who helps him fill out a universal application. An electronic set of documents is sent for signature to VTB-Online as part of paperless service technology. In his personal account, the client gets acquainted with the documents for issuing a loan and signs them with a simple electronic signature in VTB-Online. After that, the funds are credited to the account, and all contracts signed in this way are stored in a special section of VTB-Online and are available to the client at any time.

VTB is important to support borrowers who, within the framework of the current situation with COVID-19, cannot personally contact the office for a loan. Previously, we have already provided customers with the opportunity to issue a cash loan to VTB-Online. Registration of such a service by phone is an additional and temporary measure that will be available to borrowers until June 30. It will increase the convenience and speed of service during self-isolation, which remains in some regions of Russia. The use of paperless technology ensures a high degree of reliability of operations for both the bank and the client, since the signing of a digital document is confirmed in VTB-Online by an electronic signature, noted Anatoly Pechatnikov, Deputy President-Chairman of the VTB Board

Technology security is implemented due to a whole range of measures confirming the authorship and invariability of the contract signed by the client, as well as reliable storage system and electronic documents. At the same time, it should be remembered that when calling, the bank never requests a full number, maps its CVV code or the code from SMS the messages - this is not information subject to disclosure. Bank employees never ask to install additional third-party phone applications that are not related to VTB.

Launch of online currency exchange in US dollars and euros at a preferential rate

On May 18, 2020, VTB announced the launch of online currency exchange in US dollars and euros at a preferential rate - the larger the amount, the more profitable the rate. The service became available to all VTB-Online users, previously it was offered only to clients of the Privilege and Prime segments.

The bank rate will decrease when an amount of 1000 euros or US dollars is exchanged. Moreover, the larger the amount, the smaller the difference between the bank exchange rate and the exchange rate. For example, if the current US dollar exchange rate in the bank is 75.15 ₽, then when exchanging from $1,000 to $10,000, the exchange rate will be 75.00 ₽. With an exchange from $10,000 to $50,000 - already 74.85 ₽, from $50,000 to $100,000 - 74.75 ₽, from $100,000 and above - 74.65 ₽. The difference between the bank and the exchange rate is not fixed and may change.

Currency exchange in VTB-Online is becoming more profitable for all customers - we are launching a service for non-cash exchange of US dollars and euros at more attractive rates. Already more than 75 thousand of our customers use this service in remote channels, making 200 thousand transactions per month. We will continue to expand this functionality, extending the preferential rate to other currencies, noted Alexey Khranilov, head of the VTB translation department.

The currency exchange service can be used on the Internet bank and the VTB-Online mobile application in the "Transfers" section through the "Between your accounts" transaction.

The ability to register and confirm an account on the public services portal

On May 15, 2020, the Ministry of Telecom and Mass Communications of Russia announced that the list of banks has been expanded through which you can remotely register and confirm an account on the Unified Portal of Public Services. VTB customers can now do this remotely. Read more here.

Launch the remote design of the "Privilege" package

On May 12, 2020, VTB announced the expansion of the line of online operations in self-isolation and the launch of remote registration of the Privilege-Multicart service package using paperless technology. Clients of the wealthy segment will have the opportunity, without leaving home, to perform operations that were previously carried out only in the office.

Wealthy customers have access to operations to design and change the Privilege-Multicart package, as well as remote ordering of a VTB status card. To receive the service, it is enough to call a personal manager, after which the bank employee will form an electronic document and send it to the client for signature at VTB-Online.

All contracts signed in this way are stored in a special section of VTB-Online and are available to the client at any time. The security of the technology is implemented due to a whole range of measures confirming the authorship and invariability of the document signed by the client, as well as a reliable system for storing data and electronic documents. The reliability of the implemented mechanism is confirmed by independent expertise.

The new service allows you to serve customers without visiting the office and without forming paper copies of documents. This is especially important during the spread of COVID-19, when citizens seek to minimize the number of contacts and any visits to public places, including banks. The service will combine both remote and paperless customer service, making the process of registration of services faster and safer. In the future, we plan to expand the list of operations provided in this way, - said Pavel Kudryavtsev, head of the retail business department - senior vice president of VTB.

VTB was one of the first banks to launch paperless technology in offices in 2019. As of May 2020, the share of transactions issued without paper media already exceeds 20%. VTB plans to bring this figure to 40% in 2020.

Online Securities Purchase Service Launch

On April 30, 2020, VTB announced the launch of a service for the purchase of securities online and without a visit to the branch. The service is available to VTB customers on the Internet and mobile bank. According to the bank's forecasts, the service will increase the number of VTB customers registered in the trading system of the Moscow Exchange to 1 million people.

As of April 2020, VTB customers can buy VTB bonds or OFZ-n directly from the master account. In the near future, exchange-traded mutual funds in different currencies will appear in the line of securities.

To purchase securities, the user needs to go to the "Investments" section and make a purchase. The minimum investment amount is 10 thousand rubles.

Making investments as simple, understandable and accessible as possible in all channels is our strategic task. Now, in the unified VTB-Online system, customers will have access to the purchase of VTB bonds and OFZ-n - basic tools for novice investors. If the client is interested in a wider list of securities, he will be able to install the VTB My Investments application, which is a full-fledged trading terminal and gives access to more than 5,000 instruments. We believe that investments will soon become an integral part of savings for each family, "said Vladimir Potapov, Head of Brokerage Services at VTB Bank - Chief Executive Officer of VTB Capital Investments.

We see the interest of VTB retail clients in investment products, and our task is to offer a comprehensive service to solve their financial needs. The presented functionality will make investments even more affordable for the population. Customers will be able not only to open a deposit or savings account with VTB-Online, but also to buy basic securities, - said Nikita Chugunov, head of the digital business department - senior vice president of VTB.

In 2019, VTB clients opened more than 550 thousand brokerage accounts, of which more than 90% are online. The number of VTB customers registered in the trading system of the Moscow Exchange in 2019 doubled from 319 thousand to 650 thousand people. We expect that by the end of 2020 their number will be about 1 million people.

Fivefold increase in basic money transfer limits

In an effort to improve the convenience of service and reduce customer visits to offices, VTB he increased the basic limits for money transfers in mobile Internet bank and VTB-Online five times. The bank announced this on April 22, 2020.

Limits have been increased for all types of transfers. VTB clients will be able to transfer to each other up to 1 million rubles per day instead of 180 thousand. The limit on transfers maps from VTB to a card of another bank increased from 100 thousand to 500 thousand rubles per day. The volume of transactions in foreign currency increased to 2 million rubles daily. Transfers within VTB between individuals and to legal entities are not limited within a month.

During the period of self-isolation, when everyone is striving to leave the house less, we promptly responded to the requests of our clients and increased the limits on transfers multiple times. This was made possible by strengthening measures to ensure security and reliability at VTB-Online. We will continue to make available online those transactions that previously could be issued only at the bank's office, said Nikita Chugunov, Head of Digital Business Department - Senior Vice President of VTB

The provided terms for the transfer of large amounts to VTB-Online are available to retail clients of the Mass, Privilege and Prime segments. VTB's decision is a continuation of the support measures taken by the authorities and the Bank of Russia to prevent the spread of COVID-19.

Launch international map-to-map transfers

On April 17, 2020, VTB announced that VTB-Online users were able to make money transfers to cards of clients of foreign banks. The maximum amount of one transfer is 150 thousand rubles, the commission will be 1.5%.

The list of banks includes:, Armenia,, Azerbaijan,, Belarus,, Georgia,, Kazakhstan,, China Kyrgyzstan Latvia Lithuania Moldova Turkmenistan Tajikistan,,,,,,,,, and. Uzbekistan Estonia Germany Israel Italy Romania France Czech Republic

To carry out the operation, you need to select the "Transfers around the world" section in the VTB-Online mobile application or Internet bank and click on the "From card to card" field. Then enter the recipient's details, sender's information, and the amount of the transfer. After confirming the operation, the money will instantly go to the account. Debiting takes place in rubles, crediting - in the recipient's card currency.

Previously, VTB-Online funds could be transferred to foreign accounts only using the SWIFT transfer service, the amounts were credited within 3-5 days. We added the ability to transfer around the world from card to card, and the money goes to another account instantly. This is especially important, given the request of clients for efficiency, and is also relevant in the conditions of the self-isolation regime in almost all countries. VTB plans to develop the service by increasing the number of countries and launching additional translation services around the world, which will be even more convenient and cheaper for our customers, said Nikita Chugunov, Head of Digital Business Department - Senior Vice President of VTB

During the operation of the service in pilot mode, Kazakhstan, Belarus, Azerbaijan, the Czech Republic and Moldova became the most popular countries in terms of the number of transfers among VTB-Online clients.

Launching a chatbot on the Viber platform

April 14, 2020 VTB presented to customers chat boat on the social platform. messenger Viber Users will be able to consult on bank-wide issues that do not require. identifications

In order to use the services of the chatbot, users need to enter VTB in the search window of the Viber messenger. It is enough for the client to ask his own question, and the bot will provide the optimal answer, as well as transfer the interlocutor to the corresponding section on the bank's website for more detailed information. Chatbot help is available around the clock, the response speed is 1-2 seconds.

As of April 2020, the virtual interlocutor is ready to answer more than 1.3 thousand questions on various topics online. You can find out the conditions for obtaining loans and other banking products, current exchange rates or clarify how to order a certificate and use other bank services.

In the current situation, the popularity of remote service channels is especially important for customers. The presented chatbot in the Viber messenger allows you to reduce the load on the contact center and save the client's time waiting for an answer, because many questions through it can be solved instantly. Our bot is a personal virtual assistant, but it can also become an interlocutor - it not only advises in the banking sector, but sometimes even sends poems. As of April 14, 2020, the share of customer communication through chat bots already reaches 10% of all contact center requests, and we plan to increase it to 30%, comments Nikita Chugunov, Head of Digital Business Department - Senior Vice President of VTB

VTB users have access to chat bots in the mobile application and the VTB-Online Internet bank. During the period of self-isolation, the chatbot is embedded in socially significant initiatives: for example, through it you can apply for a deferral of payment for credit holidays. Every day, the chatbot automates more than 30 thousand sessions, receiving more than 500 of the highest quality ratings from customers.

Launch of chatbot in the Internet bank and for clients "Privilege" in the mobile application

April 2, 2020 VTB announced the launch chat boat for users - and Internetbank customers of the Privilege segment in. mobile application Previously, this service was available to retail customers only in the VTB-Online mobile application. Smart robot handles typical requests and provides 24/7 online support. As a result of the pilot project, the virtual assistant solved more than 9 thousand client requests.

With the help of a chatbot in the web version of VTB-Online, customers at any convenient time can get everything they need information on the main issues of service: find out the debt on, credit to the card the limit for cash withdrawals, the details and balance of the card, the amount for full early repayment of the loan, and much more. The tasks of the service include navigating the user through the Internet bank.

A chatbot in the mobile app for the Privilege segment also prepares answers to frequently asked questions. If he cannot advise the client, he will transfer him to communicate with the operator. The functionality of the virtual assistant will actively develop: in the future, it will conduct more detailed consultations and form personal proposals.

The development of automated support services is an important area for VTB in the process of digitalizing its service channels. Such solutions show high efficiency in terms of optimizing the load on contact center employees, and also minimize the need to visit offices, in the current situation offering a faster and safer format of service. For six months of the pilot work of the chatbot in the VTB-Online mobile application, more than 200 thousand customers use it every month. At the beginning of April 2020, every second request in the application will be able to be processed without the involvement of support specialists, and the response speed will be 1-2 seconds, commented Nikita Chugunov, Head of Digital Business Department - Senior Vice President of VTB

In May 2019, VTB launched a chatbot in a mobile application. It processes 1.3 thousand different issues, its automation exceeds 50%. Every week, a smart assistant responds to 50 thousand requests, receiving more than 2 thousand of the highest quality ratings from customers.

In creating dialogue systems, VTB will use technologies with an understanding of natural speech and machine learning, which allows you to determine customer requests by keywords. To receive advice to the client, it is enough to ask a question in the message window, the system itself will process the phrase and provide the optimal answer.

Launch of refinancing of loans via the Internet

On March 12, 2020, VTB informed TAdviser that it was starting to independently determine the loans of its customers in other banks, offering to refinance them in the VTB-Online mobile application. This will allow borrowers on more favorable terms to combine up to six loans into one without a visit to the office - the procedure will take no more than 10 minutes. For March 2020, the offer is valid only within the framework of pre-approved loans. According to the bank, the potential audience of this service by the end of 2020 will be 600 thousand people.

As part of the launched service, VTB independently informs the client about a personal offer via SMS, email or via notification to VTB-Online. To issue a loan, the client will need to indicate the details and amount of the debt in another bank, after which the funds will be transferred to his account with VTB. The amount of the loan issued is up to 5 million rubles for a period of up to seven years. The minimum rate is 9.9% per annum. To confirm the loan, the client needs to enter a one-time password that will come in SMS. The issuance of funds will take no more than 10 minutes: VTB will independently transfer money to repay loans from third-party banks. The client will be left to make sure that the refinanced obligations are fully repaid.

We consistently reduce interest rates on loans and simplify the process of their registration. Now VTB customers can pay off their obligations in other banks simply using their smartphone. Due to the simplicity and speed of registration, our service will become one of the most popular on the market: we expect that in 2020 about 600 thousand people will use it. For March 2020, the service operates according to pre-approved offers for bank customers, but in the future it is planned to replicate it to the entire market. In the next two years, we will transfer the registration of 100% of the bank's products online. Our task is to increase the share of active customers in online channels to 70%, and the sales themselves in digital - to 50%, noted Anatoly Pechatnikov, Deputy President-Chairman of the VTB Board

Due to the continuing trend towards lower interest rates on loans, the demand for refinancing from VTB clients is actively growing. In the first two months of 2020, more than 16.5 thousand people transferred their loans to VTB. The total amount of refinanced cash loans for this period exceeded 11.3 billion rubles. Compared to the same period in 2019, the indicator increased almost 1.5 times.

Presentation of the application on the Aurora OS

March 2, 2020 bank VTB reported TAdviser that together with the company "" Rostelecom presented application banking for the Russian mobile operating system (). OS "" Aurora The project is created in order to expand the functionality the Russian Internet of solutions.

Thanks to the application created, users of devices based on the Aurora OS will now have access to all the main banking services of VTB. Customers will be able to carry out transactions on cards and accounts, make transfers by card number, account number and through the Fast Payment System, as well as pay for services and goods of about 10,000 different suppliers. In the future, it is planned to introduce additional functions, such as payment using QR codes and contactless payments using NFC.

{{quote 'author = noted the head of the department for testing new technologies of VTB Bank Ekaterina Frolovicheva' The creation and development of domestic software, including solutions for the Aurora OS, is one of our strategic priorities. Thus, we will be able to increase the availability, quality and competitiveness of Russian software as a whole. The mobile technology market in our country is developing very intensively. Therefore, we are glad that we have created a similar product. Users of the Aurora operating system will have access to all the main services of VTB Bank, and in the future - to manufactured and additional services, }}

We are glad that VTB Bank was the first to make a banking application for Aurora. The Bank actively works with government agencies and corporations, including on salary projects, with this application all users of devices with the Russian OS will have access to the usual and comfortable management of personal finances, said Alexander Aivazov, vice president for business development at Rostelecom

Transaction Cost Compensation Feb. 28

On February 28, 2020, VTB announced that all VTB Online users will be able to conduct operations in a mobile bank for free - commissions for all payments and transfers will be canceled. The bank made this decision in connection with the interruptions in the online service.

Every year the audience of our mobile bank is growing, as of February 28, 2020, 8 million customers already use it. Customer trust is the highest value to us, so we apologise for any inconvenience caused and are ready to compensate for it whenever possible. The Bank decided that all funds spent on transactions in VTB Online on February 28 will be compensated to customers in March 2020 - all of them will receive appropriate notifications about this, said Deputy President-Chairman of the Management Board of VTB Anatoly Pechatnikov

On February 27, VTB IT systems were fully restored at 19.30 Moscow time.

The failure was caused by a large-scale restructuring of the bank's IT infrastructure, the purpose of which is to create the safest and most convenient services for customers.

Launching a smart questionnaire for iOS users

On February 21, 2020 VTB , he announced the launch of a "smart Internet questionnaire" in a mobile and -bank, which will allow customers credit to fill out three times fewer fields when making cash - all those already available at the bank data will load automatically. It is not required to visit the office - the decision on the application and the issuance of funds are carried out online. At the first stage, the service is available to users. operating system iOS

As part of filling out the "smart questionnaire," the client will need to indicate only the amount, term and purpose of the loan, after which he will agree to the data processing and wait for SMS with the final decision of the bank. If there is an offer available for online receipt, an office visit is not required even to receive funds - the loan is confirmed by a one-time SMS password, after which the funds are transferred to the client's account within five minutes.

You can apply for a cash loan from VTB-Online in the amount of up to 5 million rubles and for a period of up to five years, a positive decision is valid for 60 days. The interest rate on the loan corresponds to the standard offer of the bank. In addition, it is calculated individually and depends on the amount of the loan and the fact of receiving wages on the VTB card. For the owners of "Multicard" it is possible to reduce it in the amount of up to 3 pp when the option "Borrower" is connected.

As of February 2020, the service is available to customers with mobile devices running the iOS operating system. In the second quarter of 2020, the functionality will be implemented on the Android platform, as well as in the web version of VTB-Online.

{{quote 'author = noted Evgeny Blaginin, Head of VTB Credit Products Department' Our "smart questionnaire" will provide customers not only with a simple and convenient way to receive funds, but will also eliminate errors in the execution of applications. Previously, the borrower spent time fully filling all the fields, waited for a preliminary decision and went to the office for money. Now it is enough for him to decide on the amount and immediately get it on the card. The potential audience of the project covers all users of our mobile application - as of February 21, 2020, this is over 6 million people. At the same time, our strategic task is to transfer 100% of products for individuals to online channels, }}

2019

Launch digital debit card service

On December 25, 2019 VTB , he announced that, together with the international one payment system Visa , he began issuing digital ones bank cards mobile application to VTB online. More. here

10 thousand transactions on paperless technology were carried out

VTB clients have digitally signed over 10 thousand contracts since the large-scale launch of paperless technology in November 2019. This was announced on December 12, 2019 at VTB. The service is available in the offices of Moscow, St. Petersburg and other 23 regions of the country. The leaders in paperless operations are Krasnoyarsk (15% of all transactions), Irkutsk and Yekaterinburg (up to 10%).

Paperless service technology allows customers to sign the necessary documents online, without paper. As of December 2019, the service is available on 17 types of credit, card and account transactions. In 2020, it is planned to expand their number: deposits, payments, transfers, cash transactions, registration of escrow accounts and investment products will appear.

We are pleased with the results of paperless technology - more than 10 thousand transactions have been completed. The first customers have already appreciated this method of signing documents, since it is fast, convenient, and most importantly - safe. Within the framework of the strategy adopted in the bank, we strive to translate the maximum number of services that are issued in our offices using documents into digital format. The economic effect of the introduction of the technology by 2022 may amount to more than 1.5 billion rubles. In addition, the use of paperless services contributes to improving the environmental situation and will save 13 thousand trees, and this is a whole forest, - said Miguel Markaryants, head of the retail business department - senior vice president of VTB.

When servicing clients in the office, the employee draws up a service and forms an electronic document, and the user confirms the operation and signs all documents with an electronic signature in the mobile application. All contracts signed in this way are stored in a special section of VTB-Online and are available to the client at any time. The security of the technology is implemented due to a whole range of measures confirming the authorship and invariability of the document signed by the client, as well as the data storage system and electronic documents. The reliability of the implemented mechanism was confirmed by independent expertise, VTB said.

As of December 12, paperless technology is available in 155 VTB offices. Its replication for the entire network - 1.5 thousand points of sale - is planned in the first quarter of 2020.

Launch of the payment service by QR code through the SBP

On December 3, 2019, VTB announced the opening of a payment service using a QR code through the Fast Payment System (FPS) in the VTB-Online mobile application. Now customers have the opportunity to pay for purchases via QR in stores and on online sites that are connected to the SBP.

To make a transaction, customers need to open the VTB-Online mobile application, in the "Payments" section select "Payment by QR code" and scan the code on the seller's device screen or from the monitor screen when buying from an online store. Then it remains to check the correctness of the data and confirm the operation. There is no commission for making purchases through the SBP for users.

More and more customers are using VTB-Online to solve their daily tasks, and the phone has become a familiar way of paying for purchases. The appearance of such payment scenarios, where it is inconvenient, difficult or simply impossible to use a card, opens up ample opportunities for making purchases using a QR code. These include, for example, buying movies through an app on a TV or paying for donations. VTB focuses on the needs of customers, so it is actively developing technological services. Now it will become much easier and faster to pay for purchases using VTB-Online and SBP, said Nikita Chugunov, Head of Digital Business Department - Senior Vice President of VTB

Launch Virtual Assistant in Mobile App

On August 23, 2019, VTB Bank announced the launch of a chatbot in a mobile application. Now customers will be able to get all the necessary information online at any convenient time not only from a bank employee, but also from a smart robot. The virtual interlocutor is ready to answer more than 1.1 thousand questions. At the time of the release of the material, the service is available to retail customers.

During the pilot project conducted before the launch, the bot received 3,000 maximum quality assessments. In July, he independently solved more than 114 thousand client tasks. The response rate was reduced to 3 seconds.

For August, the main tasks of the virtual assistant are consultation on frequently asked questions and navigation in the mobile application. At the same time, the bot can already provide the details of the card and check the balance against it. It is planned that by the end of September he will learn to solve new problems, for example, to provide customers with information about the minimum payment or the last five operations on their cards.

When creating the bot, the technology of developing dialogues based on a heuristic approach with understanding of natural speech and machine learning was used. It allows you to define a customer request by keywords. The user just needs to write a question to the chat of the mobile application, and the system will provide the optimal answer. In this case, the bot itself will correct errors or typos in the question.

The launch of the chatbot allowed VTB to remove almost half of the workload from those employees who had previously personally answered in the chat, and automate most of the client calls, which is one of the main tasks in digital service technology. The bank's strategic objective is a customer-oriented approach and digitalization of business processes. With the help of the bot, users can instantly get advice on the most common topics and quickly resolve their issue with client support, - said Olga Tsegelnaya, head of VTB's customer service department.

2018

Growth in the number of VTB-Online users by 56%

On February 6, 2019, VTB announced that the number of VTB-Online users in 2018 increased by 56%, to 6.3 million people. At the same time, 84% of them use mobile devices for banking operations. The share of online users for the first time in VTB's history exceeded half of the total number of active customers. Sales of online deposits for the year increased 2.7 times, the issuance of loans - almost 6 times.

According to the company, during 2018, the bank launched a number of functions at VTB-Online. To enter and confirm transactions in a mobile bank, a short code or Touch ID/Face ID was introduced, without additional checks with SMS codes. A service for ordering certificates for visas or government agencies has been developed, which can be obtained by e-mail. The bank was one of the first to launch transfers by phone number to customers of third-party banks.

In addition, customers have the opportunity to pay for receipts using a barcode and QR code without filling out all the details manually. Customers can track online card application status and receive a PIN through the app.

The development of functionality led to an increase in the average number of operations per user - from 10.2 to 12.4, as well as an improvement in key indicators. In 2018, deposit sales increased by 178%. The portfolio of online deposits doubled to 735 billion rubles. The share of online deposits in the total retail portfolio rose from 26 to 44%.

Cash loans under the "0-visits" scheme increased almost six times, the total sales of loans to VTB-Online amounted to 24.7 billion rubles.

Transfer by phone number to cardholders of third-party banks

December 19, 2018 VTB announced that he joined the services payment systems Visa and, MasterCard which allow you to transfer funds from card to card by number. mobile phone The service is available in Internet VTB-Online Bank.

To receive a transfer, you only need to have an active phone number and a card of the Russian bank participating in the service. Funds are credited to the recipient's card instantly. As of December 2018, about 15 million customers of participating banks can use this service.

As part of the service, VTB Multicard owners can transfer funds from card to card by phone number without commission when making card transactions in the amount of over 5,000 rubles per month.

Card number transfers are one of the most popular services in VTB-Online. Every month, customers carry out over 5 million such operations. I am sure that this transfer service by phone number to cardholders of third-party banks will be appreciated by customers and will make the bank's digital channels even more convenient. In the near future, this functionality will also be available in the mobile application.

Opportunity to invest in securities

On December 12, 2018, VTB announced that the VTB-Online mobile application allows you to start investing in securities.

According to the company, users of the VTB-Online mobile application were able to issue a brokerage account and an individual investment account (IIS) from a phone or tablet.

The client signs all documents remotely in the VTB-Online mobile application, no additional office visit is required. In the mobile application, online and without a commission, you can transfer money from your current account to a brokerage account, there is no minimum starting amount.

Also, through VTB-Online, you can issue an individual investment account (IIS), which allows for December 2018 to receive 13% of the invested funds in the form of a tax deduction from the state.

After opening and replenishing the account, the client needs to install the VTB My Investments application, where as of December 2018 more than 3.5 thousand investment instruments, analytical materials, ready-made investment ideas, an up-to-date news feed, as well as investment profiling services and a robot adviser are available to him.

As of December 2018, the development of digital services is one of the key trends in the investment industry and the strategic direction of our business. Providing customers with convenient access to a full range of investment services from anywhere in the world was one of our priorities in 2018. Since the launch of the service in October 2018, more than 50% of brokerage accounts have been opened with its help. Vladimir Potapov, Head of VTB Capital Investments, Head of Brokerage Services at VTB

In October 2018, the share of customers actively using VTB's mobile application and Internet bank for the first time exceeded 50%. Boris Gavrilov, Deputy Head of VTB's Digital Business Department

Service for remote opening of a brokerage account on the Moscow Exchange

On October 15, 2018, VTB provided VTB-online service, which makes it possible to open a brokerage account in two minutes.

Internet bank users can open a brokerage account without visiting the office. The client's account is automatically registered online on the Moscow Exchange using API technology.

To open a brokerage account, the client signs all documents remotely using SMS- or push codes, no additional office visit is required. The account opens for free. Further, the investor has the opportunity Internet bank online and without commission to transfer money from the usual account of an individual to a brokerage account, there is no minimum starting amount. Thus, he gets a convenient way to invest savings.

Also, through VTB-Online, you can open an individual investment account (IIS), which allows you to receive a guaranteed yield of up to 52 thousand rubles annually through a tax deduction from the state.

After completing all the procedures, the client needs to install the VTB My Investments application, which will provide him with access to almost 3.5 thousand investment instruments, analytical materials, ready-made investment ideas and an up-to-date news feed.

Digitalization and development of digital resources is one of the key trends in the investment industry. With the development of online services, investing money has become more convenient, clearer and easier. This contributes to the growth of customer interest in investment products. The provision of a full range of services and quality service for the widest range of investors without visiting the office is a key stage for us in the implementation of the digital business strategy.