Smart SMS is a free app for VTB customers who are subscribed to "Karti+" notification service. The app helps you control expenses. You will be able to understand how much you spend and what for.

- Automatically takes into account such purchase details as the amount, time, location, category.

- Displays your typical expenses and predicts dynamics.

- Allows cash transactions to be taken into account.

To receive notifications, you should be subscribed to the SMS notification service "Karti+" on VTB-Online app or any VTB ATM.