VTB or Sberbank: which is better?

Comparison of products from SberBank and VTB

Both SberBank and VTB allow you to open savings accounts and deposits, issue debit and credit cards, get cash loans, car loans, and mortgages. The products of both companies compete with each other, and choosing the truly best bank becomes quite difficult. Therefore, we have prepared comparisons for each category.

Savings accounts and deposits

Sberbank offers 6 types of deposits and 3 types of savings accounts, while VTB offers 8 and 2, respectively. The interest rates on savings accounts are identical, so there is no fundamental difference between the institutions in this regard. Deposits are a different story, however. VTB offers more flexible terms and a higher interest rate. Therefore, we would recommend opening a deposit there.

Savings Accounts and Deposits at Sberbank

Table 1 — Deposits at Sberbank.

Deposit name	Interest rate	Deposit amount	Deposit term
Best %	up to 20% per annum	from 100 thousand RUB	from 1 to 36 months
SberVklad	up to 20% per annum	from 100 thousand RUB	from 1 to 36 months
Deposit in yuan	up to 6.33% per annum	from 10,000 yuan	from 1 to 36 months
Deposit in dirhams	up to 3.04% per annum	from 5,000 dirhams	from 1 to 12 months
Upravlyai+	up to 9.7% per annum	from 30 thousand RUB	from 3 to 12 months
Social	1.95% per annum	from 1 RUB	36 months
SberKids+	12.1% per annum	from 30 thousand RUB	6 months

Table 2 — Savings Accounts at Sberbank.

Savings account name	Interest rate	Savings account amount	Savings account term
Savings account	up to 16% per annum	no restrictions	no restrictions
Sberegatelny account	up to 0.01% per annum	no restrictions	no restrictions

 

Savings Accounts and Deposits at VTB

Table 3 — Deposits at VTB.

Deposit name	Interest rate	Deposit amount	Deposit term
Deposit in rubles	up to 21% per annum	from 10 thousand RUB	3-36 months
Double Benefit	up to 27% per annum	from 30 thousand RUB	3-12 months
Profitable Start	up to 18% per annum	from 1,000 RUB	181 days
New Time	up to 15.76% per annum	from 1,000 RUB	181 days
Deposit in yuan	up to 7.8% per annum	from 1,000 CNY	3-36 months

Table 4 — Savings accounts at VTB.

Savings account name	Interest rate	Savings account amount	Savings account term
Safe	up to 5% per annum	no restrictions	no restrictions
VTB Savings Account	up to 20% per annum	no restrictions	no restrictions

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Debit cards

Here Sberbank has a larger selection of banking products—you can choose one of 11 debit cards. There are not as many offers from VTB—only four cards to choose from. But note that card maintenance at Sberbank is often subject to a fee. At VTB, card usage is always free with no additional conditions. Moreover, VTB offers a more profitable bonus program.

Debit cards at Sberbank

Table 5 — Debit cards at Sberbank.

Debit card name	Maintenance cost	Cashback	Interest on balance
SberKarta	0 to 150 RUB per month	up to 10 %	none
Youth SberKarta	free of charge	up to 30 %	none
SberKarta Travel	200 RUB per month	up to 9 %	none
Mir SberKarta for benefits and pensions	free of charge	up to 30 %	3.5% per annum
SberKarta for foreigners	0 to 150 RUB per month	up to 5 %	none
Golden Aeroflot Card	7,000 RUB per year	1.5 miles per every 60 RUB	none
Premium Aeroflot Card	12,000 RUB per year	2 miles per every 60 RUB	none
Gift of Life charity card	from 300 to 450 RUB per year	up to 30 %	none
Electronic labor migrant card	0 to 150 RUB per month	up to 30 %	none
Children's SberCard	Free	up to 10 %	none
Adafa SberKarta	0 to 150 RUB per month	up to 5 %	none

Debit cards at VTB

Table 6 — Debit cards at VTB.

Debit card name	Maintenance cost	Cashback	Interest on balance
Card for Life	free of charge	up to 25 %	none
Children's card	free of charge	up to 25 %	none
Digital card	free of charge	up to 50 %	none
Privilege Mir Supreme debit card	free of charge	up to 25 %	none
Privilege Aeroflot card	free of charge	up to 10 %	none
Privilege kids' debit card	free of charge	up to 25 %	none
Debit card for foreign citizens	free of charge	up to 25 %	none
VTB-Magnit debit card	free of charge	up to 6 %	none

Credit cards

There is no fundamental difference between the credit cards: the credit limit in both cases is 1 million RUB. The difference in the grace period is only 10 days, which is also insignificant for the cardholder. The base interest rate at Sberbank is lower. However, the actual overpayment in both banks will be approximately the same.

Credit cards at Sberbank

Table 7 — Credit cards at Sberbank.

Credit card name	Maximum credit limit	Grace period	Interest rate outside the grace period
Credit SberCard	1 million RUB	up to 120 days	from 9.8% per annum
Credit SberCard Youth	1 million RUB	up to 120 days	from 9.8% per annum

Credit cards at VTB

Table 8 — Credit cards at VTB.

Credit card name	Maximum credit limit	Grace period	Interest rate outside the grace period
Karta Vozmozhnostey	1 million RUB	up to 110 days	from 9.9% per annum
Privilege Card of Opportunities	1 million RUB	up to 110 days	from 9.9% per annum
Mir Supreme digital credit card	1 million RUB	up to 110 days	from 9.9% per annum

Cash loans

Sberbank offers more consumer loan programs. Here you can get cash, arrange an installment plan, take out a loan for a purchase already made, and so on. VTB has only one program. Therefore, Sberbank is the leader in terms of consumer loans.

Cash loan at Sberbank

Table 9 — Cash loans at Sberbank.

Loan name	Loan amount	Loan term	Interest rate
Cash loan	from 10,000 to 30,000,000 RUB	from 3 months to 5 years	from 22.9% per annum
Education loan with state support	equal to the cost of tuition	tuition period + 9 months up to 15 years	3% per annum
Installment plan	from 3,000 to 1 million RUB	from 3 months to 3 years	from 0% per annum
Loan for a completed purchase	from 3,000 to 300,000 RUB	from 3 months to 3 years	from 14.9% per annum
Payday advance	from 1,000 to 5 million RUB	1 months	from 16.8% per annum

Cash loan from VTB

Table 10 — Cash loans at VTB.

Loan name	Loan amount	Loan term	Interest rate
Cash loan	from 30,000 to 7 million RUB	from 6 months to 7 years	from 5.4% per annum

Car loans

Everything is obvious here. VTB offers six car loan programs to choose from. Sberbank does not have a single one.

Car loan at Sberbank

Loan name	Loan amount	Loan term	Interest rate
Auto loan	Up to 5 million RUB	from 1 year to 8 years	from 23.9% per annum

Auto loan at VTB

Table 11 — Auto loans at VTB.

Loan name	Loan amount	Loan term	Interest rate
Cash auto loan	up to 10 million RUB	from 1 year to 7 years	29.1% per annum
Loan for a used passenger car	up to 10 million RUB	from 1 year to 7 years	29.1% per annum
Auto loan at a dealership	up to 10 million RUB	from 1 year to 7 years	29.1% per annum
New car	up to 10 million RUB	from 1 year to 7 years	29.1% per annum
Motorcycle loan	up to 10 million RUB	from 1 year to 7 years	29.1% per annum
Auto loan for a new electric vehicle	10 million RUB	from 1 year to 7 years	29.1% per annum

Mortgage

There is no significant difference in mortgage lending between Sberbank and VTB, since most of the offered programs are state-subsidized, and therefore their terms coincide. Basic mortgages in both banks are virtually identical. The only difference is the loan amount — it is larger at Sber.

Mortgage at Sberbank

Table 12 — Mortgage at Sberbank.

Mortgage name	Loan amount	Loan term	Interest rate
Secondary housing mortgage	from 300 thousand to 100 million RUB	from 1 year to 30 years	from 21.6% per annum
Family mortgage	from 300 thousand to 30 million RUB	from 1 year to 30 years	from 6% per annum
Preferential mortgage	from 300 thousand to 30 million RUB	from 1 year to 30 years	from 6% per annum
Far Eastern mortgage	from 300 thousand to 9 million RUB	from 1 year to 20 years	from 2% per annum
Mortgage for house construction	from 300 thousand to 100 million RUB	from 1 year to 30 years	from 22.9% per annum
Mortgage for suburban real estate and land	from 400 thousand to 100 million RUB	from 1 year to 30 years	from 22.2% per annum
Mortgage refinancing	from 300 thousand to 30 million RUB	from 1 year to 30 years	from 6% per annum

Mortgage at VTB

Table 13 — Mortgage at VTB.

Mortgage name	Loan amount	Loan term	Interest rate
State support for families with children	up to 30 million RUB	from 1 year to 30 years	from 6% per annum
Mortgage for IT company specialists	up to 18 million RUB	from 1 year to 30 years	from 6% per annum
Secondary housing mortgage	up to 100 million RUB	from 1 year to 30 years	from 24.7% per annum
Custom house	up to 100 million RUB	from 1 year to 30 years	from 25.1% per annum
Military mortgage	up to 1.61 million RUB	from 1 year to 25 years	from 22.3% per annum
Far Eastern mortgage	up to 9 million RUB	from 1 year to 20 years	from 2% per annum
Collateral property	from 1.7 to 40 million RUB	from 1 year to 30 years	from 26.4% per annum
Mortgage for house construction	up to 100 million RUB	from 1 year to 30 years	from 25.4% per annum
Mortgage for purchasing a parking space and storage room	from 300,000 to 10,000,000 RUB	from 1 year to 30 years	from 25.9% per annum

Let's sum up

Let's summarize. There is no significant difference between savings accounts at Sberbank and VTB — they offer absolutely identical terms. However, it is better to open deposits at VTB, as terms and interest rates are more flexible there. The variety of debit cards at Sberbank is larger, but the service terms are more profitable at VTB. We found no significant difference in credit cards. When comparing consumer loans, we preferred Sberbank — here you can choose a program for any taste and need. VTB leads in car loans, since the second organization simply does not have its own lending program. There is practically no difference in mortgages, as most programs feature government support.