A complete overview of VTB from the moment of opening a brokerage account to the first transactions

Is it worth opening a brokerage account or IIS with VTB Broker this year? In this article we will look at tariffs for brokerage services, the nuances of opening an account, and methods of depositing/withdrawing funds.

The VTB broker is considered a good option to start long-term investing, as well as a place to open an investment portfolio on the stock market. Through the VTB My Investments application, you can buy securities of both domestic and foreign types on the stock exchange. In this case, the purchase can be made to a regular brokerage account or to an individual investment account. Clients cooperating with VTB have access to shares on the Moscow Exchange and foreign exchanges, from bonds to mutual funds. We will consider further what features of cooperation need to be remembered.

Opening an account

In addition to the classic option - going to the office, you can open it through online banking or directly through VTB investments. The process through the application is not complicated, everything went without problems. The only thing is that access to the St. Petersburg Exchange was not immediately provided, that is, access to the purchase of foreign shares was not closed. I had to call technical support, the manager described the situation and within a day everything was working.

If you believe the situation and customer reviews, opening an account does not always go smoothly. And even often, users have to visit the office to open an account with VTB investments. This is not the most convenient option for everyone; in addition, it should be noted that not all offices have the ability to provide such a service. VTB privileges are offices that are not located in all areas of the city, so this option is not practical for every client.

It is important to take into account that additional actions can only be performed through the office. Here, even unlike Sberbank and Tinkoff, you cannot make all options remotely; you need a VTB office privilege. Kwik is free, but if you need it, you will need to visit the office at least twice.

Application overview

The new platform has five active tabs and has been in operation since July 2018; it is intended for VTB financial instruments and independent investors.

Advantages

Downloading it on your mobile phone and using it for trading transactions is a way to make money, increase capital, savings, and also a great investment experience. It is not necessary to have millions to enter the securities market; today anyone with a minimum capital of 5,000 rubles has opportunities.

The new service differs from the VTB Online web resource for a number of reasons, which are boldly called advantages:

1. The application can be used anywhere and around the clock without additional manipulations. Just unlock the device, launch the resource, and the main page will appear on the screen.
2. Even an inexperienced investor can understand the simple and understandable interface, and convenient banners will help with this.
3. A high security system is installed - Touch ID, Face ID, Passcode.
4. Digests provide timely information about news with useful analytics.
5. In the “Investideas” section, VTB Capital experts share practical advice.
6. All options are created at a professional level.

According to statistics, the new resource was downloaded over 50 thousand times. Based on customer reviews of VTB My Investments, we can conclude that the interface is very convenient and flexible, but there are suggestions for improvements. The developers listen to them and improve the system every time.

Withdrawal of funds

This can be done through the VTB Investments office. You will need to indicate the account where the money will be withdrawn; these may be external details. VTB writes that the money arrives in the account the next business day before 18.00 Moscow time, you need to take into account the trading mode:

• shares and bonds are traded in T+2 mode;
• federal loan bonds T+1.

In the application, when you sold the assets, the amount received from the sale will already be indicated. The exchange needs 1 to 2 business days to complete the transaction. Keep this in mind if you need to quickly withdraw money. You also need to pay attention that if you bought or sold currency through a brokerage account, then if you withdraw an amount over 300 thousand rubles, a commission of 0.2% may arise, but it can be avoided if the money is left in the brokerage account after the transaction is completed. within 15 working days.

When you have an account with VTB Bank and want to cash out funds, you will need Internet banking and a VTB card. There is a point here - bank employees will recommend a multicard, the service fee is 300 rubles per month if you used the card. But, you can sign up for a basic package of services, within which three master accounts will be opened for you in rubles, dollars, and euros. And you will receive 1 free instant card, you can use it to withdraw cash from VTB ATMs, without commission, the limit is 100 thousand rubles per day, and 600 thousand per month, and you can also withdraw cash through the cash register, there are no limits.

Bonds

VTB bonds on special terms enable their holder to receive a coupon income of 6% per annum. The price of one bond is 1000 rubles. The coupon is paid twice a year.

At the end of the term of such a bond - 1 year - the amount of invested funds is returned to the investor. The minimum investment amount is small - 10 thousand rubles , which makes such a tool accessible to a wide range of clients.

VTB investment bond. Its potential profitability is higher than that of traditional financial instruments, including deposits. The yield of an investment bond is not fixed and depends on the occurrence of certain events, for example, on the growth of shares.

Conveniently, you do not need the status of a qualified investor to purchase this product. Full protection of investments is provided, in addition, a personal income tax benefit is provided. The minimum investment amount is the same - 10 thousand rubles.

Federal loan bonds for the population, issued by the Ministry of Finance of the Russian Federation. Coupon income is paid twice a year, the state provides a guaranteed return on investment.

The bond's circulation period is 3 years, but it can be sold at market value at any time. It can be purchased from a brokerage account. The minimum investment threshold is 30 thousand rubles.

Available tools

What tools are available through the VTB Investments application? The range is wide, in addition to classic shares and bonds, you can buy Eurobonds (even in euros), you have access to buying shares through the St. Petersburg Exchange, there is a derivatives market (futures, options), you can sell currencies.
You can purchase currency not as a full lot, the transaction is instantaneous, you can also do a direct exchange of euros for dollars. You can also buy ETFs and exchange-traded mutual funds directly in foreign currency. There is a glass application available for setting stop and take profit.

Mutual funds

For a novice trader who has chosen VTB24 investments for individuals, a mutual fund would be the ideal option. It includes shares and bonds of domestic and foreign companies, government securities, and other assets.

Such funds are managed by highly professional specialists from JSC VTB Capital Asset Management, which allows you to choose the optimal strategy for the individual needs of each client.

Experienced investors can invest in ETFs (exchange-traded funds), with investment returns dependent on trading on the exchange. The risk is higher, however, and the potential return increases.

The choice of mutual funds is also convenient because it gives the opportunity to invest even for those who do not have special education or experience in working with securities. Changing the strategy, purchasing and redeeming mutual funds is available at any time. The investment threshold is 5 thousand rubles.

IIS in VTB

Since December 2021, it has become possible to buy foreign assets and currencies using IIS. VTB does not require you to top up your account when opening. Among the advantages, one can note the transfer of dividends to a bank account, in order to then transfer them to an IIS, to increase profitability. When closing an IIS, you can transfer assets to a brokerage account.

Through the application, VTB offers to connect a roboinvisor from 1 thousand dollars in the account. You can create a portfolio yourself; please note that the robo-invisor has been working since the summer of 2021, and there are no statistics on performance.

VTB offers to connect the service of a personal advisor. The service is not always relevant and effective. VTB is moving its exchange-traded mutual funds, the broker has 5 of them, and sells them without commission costs.

How to use (instructions)

After a contract for brokerage services has been signed, the client has the right to form a portfolio, but after replenishing the account.

To gain access to the demo mode, you need to download the VTB My Investments application and follow the “Demo version” link. To register, you will need to provide your full name, phone number, e-mail, and create a password. Data with login and password will be sent by email. The next step is to come up with and enter an access code.

The My Investments application consists of the following tabs:

• “Portfolio” (the current state of the investment portfolio is displayed);
• "Investment ideas";
• “Quotes” (the Product Catalog is located here);
• “More” (this section contains a chatbot for communication with employees of the brokerage company, question/answer service, link to reviews, Settings)

Finding the right security

In the “Quotes” section you can find the securities you need by name using the search bar. Using sorting, it is possible to filter securities by daily turnover, by percentage of price change and alphabetically.

By going to the information card of the selected product, you can view analytics for it. Displayed here:

• graph of price changes for the selected period (day, week, month, year),
• maximum and minimum prices,
• quotes at the opening of trading.

Setting up an alert

If you click on the bell icon at the top of the screen, you can set up an alert when the price threshold specified by the investor is reached.

For example, you want to buy Gazprom shares at a price of 211 rubles, you set this value, and if the specified threshold is reached, you receive a notification and proceed to purchase the security.

Favorites

If you click on the star icon, the security will be added to your favorites and displayed on the “My” tab.

Below is news on the global and Russian arena concerning the issuer of a security, which may affect its value and the investor’s decision to buy or sell.

The following financial assets can be purchased in the product catalog:

• stock;
• bonds;
• currency;
• units in ETF funds;
• Eurobonds;
• futures.

How to buy shares?

To purchase securities you must:

1. Go to the "Quotes" tab.
2. Select the desired financial instrument and click on it.
3. Click on the “Buy” button.

   

4. In the application, indicate the price and number of lots (you can set your own bid or set the slider next to the “Buy at market price”) item, click on the “Buy” button.

   

5. Confirm the operation.

After the completed actions, the application will be generated and displayed on the “Operation History” > “Requests” tab.

After the application is executed, you will receive a corresponding notification and the application will appear in the “Transactions” section.

By the way, the operation history is located in the “Portfolio” section in the upper right corner (icon with a circular arrow).

How to sell shares?

1. Select the shares you want to sell. This can be done through the transaction history in executed orders or through the product catalog.
2. Click on the stock and click on the “Sell” button.
3. In the application, indicate the price and number of lots and click on the “Sell” button (you can specify your own price or the market price).

VTB investment tariffs

By default, everyone is assigned a new tariff - my online. According to which the broker's commission for transactions is 0.05% of the amount. The exchange commission for transactions is 0.01% of the amount, and the service commission is 0 rubles monthly. A 150 ruble fee applies if you submit applications by voice or in the office. This tariff is considered the most adequate application on the market.

It should be understood that VTB has set a goal to increase its customer base, therefore it attracts with favorable tariffs.

There is an investor standard tariff, which is suitable for those who make rare transactions, but for large volumes. The commission is lower than 0.04% for transactions, for exchange transactions 0.01% and 150 rubles per month if at least 1 transaction was concluded.

The third tariff is the professional standard. The commission depends on the daily turnover.

general description

Complete information about current strategies that have already brought millions of passive income to investors

VTB is one of the oldest brokers in the country and has all the necessary licenses. In the Moscow Exchange ranking for January 2021, it ranks 3rd in terms of the number of registered clients (1,188,038 people) and the number of active clients (216,008 people), 5th place in terms of trading turnover (912.5 billion rubles). Almost 540 thousand IIS were opened at the bank (3rd place in the country).

Based on these indicators, a broker should definitely be on your list of candidates for opening a brokerage account. Moreover, according to other selection criteria, it does not lose to other intermediaries. And in terms of such an important indicator for a long-term passive investor as commissions, it is among the top three (at the “My Online” tariff only 0.05% per transaction and 0.01% on the exchange, there are no other commissions).

29.01.2021

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Hello, friends! I am receiving more and more questions from novice investors...

I would like to draw the special attention of newcomers to the Investor School section of the VTB broker website. There is a lot of useful material in text form and in the format of short video lessons. For example, such mini-courses as First steps on the stock exchange, Buying currency on the stock exchange - techniques and tools, Putting together your first portfolio and others. These are the questions that novice investors ask me most often. Training is free. I highly recommend setting aside a few days and seeing everything.

Reviews from clients who have invested money

• Victor liked the application because it provides quick access to trading. In addition, detailed analytics are provided. But it often freezes, and the device’s battery drains quickly.
• Maxim I have been using the application for a long time. A lot of analytics makes it possible to trade profitably. The disadvantage for me is the lack of pending orders; I have to constantly monitor price changes.
• Elena The application freezes regularly and the phone loads heavily. At the moment of peak load, responsiveness is very low. Of course, with each new release the application is improved, but the main bugs still migrate from one version to another.

The above information indicates that the application has wide functionality and is used for trading various instruments. There are relatively few similar products on the Russian market. Therefore, many are paying attention to VTB Bank’s proposal.

We also invite you to watch a video review of the “VTB My Investments” program with personal impressions, instructions for opening an account and other useful tips: