Customers of VTB have transferred a total of 129 billion rubles via mobile banking for social payments.
In 2025, VTB Bank has made significant strides in streamlining the process of receiving state social payments for Russians. This transformation is part of agreements signed with key ministries and regional governments, aimed at making social support more accessible and user-friendly through VTB's banking infrastructure.
One of the key ways VTB has simplified the process is by increasing the availability of digital services for processing social benefits and payments. This shift towards digital interactions has made it more convenient for people to manage their social payments online.
A prime example of this digital expansion is the mobile banking service offered by VTB. In the first five months of 2025, over 129 billion rubles from the state were credited to VTB client accounts, indicating wide adoption and ease of use.
Another innovative tool introduced by VTB is the social calculator service. This tool, used by nearly 200,000 people by mid-2025, enables users to calculate federal child benefits and apply for payments directly through the bank’s digital platform. This represents a 1.5-fold increase in usage compared to the same period in the previous year.
VTB has also focused on supporting applications for mortgage-related benefits. Clients of the bank returned over 6.3 billion rubles through the mortgage interest tax deduction service in 2025. Additionally, more than 11,600 applications totaling 5.6 billion rubles were submitted for mortgage repayment using maternity capital through the service.
The number of new recipients increased by 400,000 people in the first five months of 2025, which is a quarter more than the previous year. This growth demonstrates the success of VTB's efforts to make social support more accessible.
As of now, over 1.1 million VTB clients receive social payments on their bank cards. Most recipients of these payments reside in Moscow and the Moscow region, the Khanty-Mansi Autonomous Okrug, St. Petersburg, the Republic of Bashkortostan, and the Samara region.
These services allow individuals to learn about eligible benefits and obtain them with minimal documents and without visiting agencies, significantly reducing bureaucratic barriers.
From July 1, 2025, a new law on social accounts and deposits came into force, enabling citizens with incomes below the subsistence minimum to open social accounts or deposits. These accounts aggregate different state social benefits and contracts, with payment information centralised on a single digital platform coordinated by the government and the Bank of Russia. Banks, including VTB, can access necessary data securely via interdepartmental channels to streamline account openings and payments.
Together, these innovations by VTB leverage digitalization to make the social payment process seamless, fast, and integrated with everyday banking services for socially vulnerable groups, improving the quality of social support delivery in Russia in 2025.
- To further enhance its services, VTB Bank has ventured into the digitalization of business finance, offering a social calculator service that allows users to calculate and apply for federal child benefits and other social payments online, indicating a significant shift towards digital interactions in the financial sector.
- As part of the new law on social accounts and deposits, VTB Bank has taken steps to streamline the process of receiving state social payments for citizens with low incomes by securely accessing necessary data through interdepartmental channels, making it easier for users to open social accounts, manage their social benefits, and make payments directly through the bank's digital platform.
