Банк Онлайн — Кредит 24

Bank Online: Credit 24 is a convenient mobile app for searching, comparing, and selecting banking products. This service helps you quickly find great deals on loans, bank cards, and deposits.
💡 This app is not an official VTB Bank or Sberbank app.
The app is useful for users who want to compare offers from Russian banks and find the best financial solutions. Here you can explore the terms and conditions of popular banks, such as VTB Online, Sberbank Online, T-Bank (Tinkoff Bank), Alfa-Bank, Gazprombank, Sovcombank, and others.
If you use VTB Bank or Sberbank Online or other banking apps, you can easily compare financial product terms and choose the most suitable option.
The app allows you to compare bank offers, select cards, loans, and deposits, and find the most favorable terms.
💡 Important: The app does not directly issue loans and is not an official representative of any bank. The app provides information services for comparing and selecting financial products and is an aggregator of publicly available information.
Key Features
Selection and Comparison of Banking Services
The app's primary function is to select financial services and conveniently compare offers from various banks.
The user can:
• Compare the terms of banking products
• Study interest rates and terms
• Choose the most advantageous offers
• Apply online
The app lets you compare offers from Russian banks, including VTB Bank Online, Sber Online, Alfa-Bank, T-Bank, and others.
Credit and Debit Cards
The app lets you select and apply for a credit or debit card online. Available offers:
• Credit cards with a grace period
• Mir debit cards with cashback from VTB Bank
• Cards for shopping and travel
• Mir cards with free service
Benefits:
• Quick card selection
• Online application
• Card delivery
• Bonuses and cashback

Online Loans
If you need a cash loan or an online loan to your card, the app will help you find the right offer.
Features:
• Compare bank loan offers
• Apply in minutes
• Receive a preliminary decision online
Available loan types:
• Cash loan
• Consumer loan
• Car loan
The app lets you compare loan terms from various banks, including VTB, VTB Online, Sberbank, Alfa-Bank, and other Russian banks.

Bank Deposits
The app helps you find a profitable deposit and explore bank offers. Users can:
• compare deposits from Russian banks
• choose a deposit with a high interest rate
• select a savings account

The app features a modern, intelligent selection of banking services. To receive personalized recommendations, users complete a convenient questionnaire, after which the service helps them find the most suitable financial solutions.
During the selection process, important parameters from the questionnaire and the user's financial situation are taken into account, including various factors affecting the availability of banking products and the likelihood of approval.

The service helps analyze:
• current credit load
• existing obligations
• restrictions on loan approval
• outstanding debt and penalties

Lending Terms
Please read the terms and conditions before applying for a loan. • Minimum loan term: 61 days
• Maximum loan term: 84 months
• Minimum loan amount: 10,000 rubles
• Maximum loan amount: 3,000,000 rubles
• Minimum interest rate: 4.99% per annum
• Maximum interest rate (APR): 27% per annum
• Minimum borrower age: 18 years old
• Maximum borrower age: 85 years old

Loan calculation example
Example for a borrower applying for a 300,000 ruble loan at 10% per annum for 3 years:
• Loan amount: 300,000 rubles
• Overpayment: 48,485 rubles 62 kopecks
• Total payments: 348,485 rubles 62 kopecks
• Monthly payment: 9,680 rubles 16 kopecks