Russlavbank: customer references of the bank

Russlavbank reviews in most cases are positive, since the financial institution has always fulfilled its obligations in the history of its existence. He began to provide financial services at a professional level in 1990. Today, the Bank is engaged not only in financial, but also in partnership, has a fairly wide correspondent network. Customers throughout Russia enjoy high quality service and feel comfortable. The Bank actively works and expands its activities, offers a wide range of both banking operations and various services.

Impeccable reputation

Russlavbank, which attracts attention, has an impeccable reputation. The financial institution employs the best specialists in its field, who at any time are ready to provide each client with assistance and professional advice. On all issues related to lending and banking services, people receive exhaustive answers. Words of gratitude towards the staff have repeatedly sounded from the lips of satisfied customers. The financial institute will pay great attention to charity. Material support is provided to both shelters and orphanages. Shares of the bank (92%) are the property of Abdulkerimov Abdulgelil Mahmudovich, who is on the list of the country's wealthiest bankers. In 1999, Russlavbank, which reviews negative news, developed the CONTACT money transfer system, which today holds the leading position in the Russian financial market. Covering the countries of the near abroad, it received the status of socially significant. According to the latest annual report, the assets of the financial institution amounted to 34 050 642 rubles, the volume of capitalization was equal to 5 212 776 rubles, the loan portfolio amounted to 645 300 rubles, and the volume of deposits - 9 736 085 rubles.

High level of work

Russlavbank, whose reviews are more often positive than negative, is one of the oldest participants in the domestic financial market. The main specialization of the institution is the servicing of individuals, both residents and non-residents, private entrepreneurs and representatives of small and medium-sized businesses. ACB activities are carried out in accordance with the general license of the Bank of Russia of April 28, 2012. By the beginning of 2015 the structure of the bank already included 6 branches, 111 offices in 76 cities, one main office, 45 internal divisions. This is 34 additional offices, 7 credit and cash centers, 4 operating cash desks and three operating offices.

Credit rating of B ++. Rating of creditworthiness at the level of "BBB +" with a positive outlook. The financial strength rating is "E +", and the deposit rating in both rubles and foreign currency corresponds to category "B3". The forecast from the international rating agency Moody's Investors Service remains stably positive. The official assessment of the Central Bank says that the bank is reliable. Here it is worth adding that despite the crisis, the financial institution does not experience difficulties in meeting its obligations. In 2014-2015, when many financial institutions ceased to pay deposits and began to apply for refinancing to the Central Bank of the Russian Federation, Russlavbank, whose clients' reviews are very positive in connection with this fact, continues to not only take deposits, but also pay them regularly Interest, and after the expiry of the terms of the contracts, the depositors return their funds. Moreover, the financial institution is a participant in the deposit insurance system.

Customers are satisfied with a wide range of services

At the moment, the financial institution offers its customers a huge number of services. Among the proposals there are both standard domestic products and those adopted from international practice. It should be said about retail and corporate lending. Individuals can apply for a loan of 600 thousand rubles for an hour for up to 5 years. According to clients, a minimum package of documents is required, and the presence of guarantors is not mandatory.

The emphasis is often on the most simplified scheme of cooperation. The Bank accepts deposits and provides the opportunity to manage its accounts remotely. With the help of the Contact system, you can independently make out money transfers and make payments. The absence of the need to stand in line for many hours pleases many. Depositary operations and various operations with bank cards are opened. Guarantee and documentary transactions are carried out. Among the non-standard proposals it is worth noting the professional service of the passports of export or import contracts. Quality of service was appreciated not only by individuals and legal entities, but also by domestic correspondent banks with over 600 foreign banks. Numerous clients and partners not only in Russia, but also abroad, confirm the veracity of positive feedback, transferring them from advertising to Section of recommendations. Positive feedback often tells about a very attractive program for refinancing loans.

Interesting programs for card owners

JSCB "Russlavbank", whose opinions are inclined to cooperate, offers not only plastic cards, but also their fast service. At the moment, within the program of the bank, three types of products are available:

• An income card.
• Revenue card GOLD.
• Credit card.

The most attractive, according to clients of financial institutions, is a profitable card. Russlavbank, whose comments are positive in connection with this product, offers a unique depositary program to its owners. For the balance of personal funds, an interest of 15% is charged on the account, regardless of their number. To issue a card is very simple in any bank branch. The issue is made on the day of circulation. The card is equipped with a chip, which ensures full security of payments. The presence of 3D-Secure technology pleased many. Pleasant reviews of the owners of the product sound as if you can withdraw money not only in Russia, but also abroad. People were surprised by the fact that commissions for cashless payments in stores are not withdrawn. Cardholders say a pleasant and profitable addition as a 20% discount on the MasterCard Favorites program. Separately, you can say about the credit card with a replenishable limit of up to 500,000 rubles. The preferential interest period is 57 days. The product is very convenient to use. Savings are provided by free annual credit card service.

Instant card service: the bank understands that time is money

Bank Russlavbank, which is rarely seen with a negative connotation, always differed from its competitors with fast and professional account servicing. Customers never complained about the lack of an opportunity to withdraw money from an ATM or replenish a card account. All operations are carried out as quickly as possible, no delays, delays and collapse. People have never complained about the disruption of plans as a result of a lengthy processing of payments. The reason for such professional business management was in 2014 its own precessional center, which easily handles the full range of transactions on emissions and settlement.

The maintenance of VISA and MasterCard cards, including chip and prepaid cards, is carried out with maximum efficiency. At the moment, the processing center can perform about 50 operations per second. After connecting the processing center at the end of June to the ORC system, customers got access to 28 thousand ATMs. According to the cardholders, it is a pleasure to use them. You can withdraw cash and pay today in any part of the capital. The income card "Russlavbank", reviews of which were always positive, will become even more popular in the near future. This is due to the fact that the financial institution does not cease to negotiate with partner banks regarding the integration into international payment systems. The work is aimed at providing high-quality service and minimizing costs.

What do investors say about deposits?

"Russlavbank" deposits offer very diverse. The product line is simplified to the maximum. Customers do not have to face a difficult choice between high interest rates and soft partnership terms. Today, you can choose from three options:

• The program "Golden Mill". The interest on the deposit can be up to 15.5%. The maximum income for ruble deposits is secured. The interest is not burned.
• The program "All pluses". The deposit can be issued at 12.35%. The deposit currency can be either national, or euro or dollars. Capitalization of interests is provided. Partial withdrawal and expenditure of funds are allowed without loss of accrued interest.
• The program "Super deposit" for deposits in euros or dollars.

Clients of the bank, evaluating available financial offers on the market, agree with the fact that Russlavbank deposits in currencies and rubles offer at the most favorable terms. Compared with the products that were named the most profitable and offered only a few years ago by Russlavbank (a special deposit), the new items proved to be even more profitable and convenient. However, in a crisis, this parameter is not the main one. In connection with the bankruptcy and restructuring of such giants of the domestic market as the "Financial Initiative" and "Finance and Credit", investors began to actively withdraw their money, closing their eyes to the loss of interest. What was their surprise when the bank unconditionally paid the bills. The most interesting is that the massive outflow of funds in late 2014 and early 2015 did not cause problems with liquidity.

The collapse of 2014

In 2014, the public began to go on a service that soon could turn into a bankrupt and well-known in the country "Russlavbank". The recall of the license, which faced many financial institutions of the country, did not take place, to say more, in this vein the issue was not even discussed. The thing is that it was in the spring of 2014 that the Interior Ministry conducted an investigation into "illegal banking activities". Not only Russlavbank was subjected to the search, employees' reviews about which were always impeccable, but also such an organization as Finprombank and some travel agencies. The suspect in the case was Alexander Mironov, who holds the post of vice-president. According to law enforcement agencies, seven people were accused of illegally withdrawing funds and cashing them through private one-day companies. Preliminary data showed that 2.5 billion rubles passed through the hands every month. Cash withdrawal cost 3.5% of the amount, and transit cost 0.3%. Excessive attention to the bank caused concern of depositors. In fact, it turned out that Russlavbank (deposits for individuals it still offers the most convenient) had nothing to do with fraudulent actions. The management of the bank provided full assistance, including all the documents requested. The Ministry of Internal Affairs has no claims to the financial institution. The current situation is not very pleasant, but does not affect the financial institution's fulfillment of its obligations to clients. The bank both worked and works in the regular mode.

CONTACT - innovation for customers

As mentioned above, Russlavbank, whose credit reviews are only positive, launched the CONTACT service in 1999. This technology allowed the clients of the financial institution to make transfers between individuals. The structure is based on correspondent relations between the partner banks of the program. Translation is carried out according to a simplified scheme, which was repeatedly mentioned by satisfied customers in response. Opening a specialized account is not required. The main users of the service were seasonal workers and students, emigrants and tourists who do not have open accounts in Russia. People who had to deal with the need to urgently send or receive money, are very satisfied with the operation of the system. The network of correspondent banks is systematically expanding. By the present moment, 73 countries participate in the program. In the person of CONTACT partners, there are at least 900 Russian and international banks. An extensive network of customer service points , which has more than 400,000 points in 160 countries, explains the positive feedback about the service and the convenience of using its services. The system was a laureate in the category "Consumer Rights and Quality of Service-2014" and took first place in the contest "Mark No. 1 in Russia" in the period from 2011 to 2013.

Minor errors in the CONTACT system

As in any computer program, CONTACT users had to deal with a number of inconveniences. This had a certain negative impact on the reputation of the bank "Russlavbank", reviews on loans and deposits in which in most cases, positive. The indignation of users was due to the hang of the system at the first stages of its operation. It used to be that when there was a need to send money, the functional was completely non-working. As the payment system developed and improved, errors were eliminated and discontent became less. Nevertheless, there are single cases that attract attention. So, according to one of the bank's clients, when sending a transfer to America, it was not delivered to the recipient. After a long delay in time, the problem did not dare, and the funds had to be returned to the sender. But the most interesting is that after a long conversation with the support service, the money was refunded outside the rules. Instead of the promised five days, the transfer was returned a few weeks. According to statistics, in 95% of the Russlavbank situations, customer testimonials are positive, and such a collapse is the exception to the rule, rather than a regularity. More positive feedback sounds about the design of translations, which takes a minimum of time and is as simple as possible.

Summing up: Does the bank deserve trust?

Summing up the results and looking at the situation in the banking sector of the country, we can say that there are no significant shortcomings in the bank "Russlavbank". Reviews (Banks. Ru) are found both negative and positive. Thanksgiving and laudatory speeches are much more than indignation. You can meet descriptions of unpleasant situations, which immediately responds to the support service. The solution of the question can be postponed, but the result does not change. Pleasant consultants and manager live and in phone mode answer all questions, try to help customers in all available ways. Despite the problems of domestic banks related to liquidity, Russlavbank continues to actively work and develop. Deposits are paid, there are no complaints from investors. Against the background of general losses, the situation can be called a big advantage. The only thing worth paying attention to is spam mailings in the SMS message format. There is a huge number of complaints on this issue. According to the customers of the bank, the phone systematically receives a notification regarding the approval of the loan with a request to apply to the branch and issue a loan. After a person, throwing all the cases, comes to the office, he receives a refusal. The situation has been repeated for a long time. Requests to remove a number from the SMS-mailing are not considered, the problem is not solved. Clients of the bank also warn that it is necessary to carefully read the contracts for this category of loans. The percentage of them is not always beneficial. Being vigilant, you can avoid conflicts in the future. If this shortcoming is eliminated, cooperation with the financial institution will only be a pleasure to customers.