Russian Standard Bank was formed nineteen years ago. The main owner of the credit institution is the holding company of the same name. Today, according to reviews, Russian Standard Bank is recognized as one of the largest financial institutions in our country. The bank management adheres to the international principles of managing the banking business. According to customer reviews, Russian Standard Bank values and protects corporate governance and ethics.
Indicators
For more than fifteen years, Russian Standard Bank has been providing financial services to the public. Customer reviews "Russian Standard" are characterized in different ways. The main task of the bank is to demonstrate the standards of professional activity in accordance with its ideology. To date, the institution has achieved the following indicators:
- It serves about 28 million individuals.
- According to reviews of Russian Standard Bank, it issued more than 46 million payment cards.
- Russian Standard issued loans in the amount of over 2,048 billion.
- According to reviews, Russian Standard Bank has opened 150 convenient and comfortable branches throughout the country.
- The credit institution has been the only issuer of American Express Centurion cards in our country for thirteen years.
The combination of international experience, corporate governance and a team of professionals is the main advantage contributing to the development of Russian Standard Bank as a leader in the financial services market.
Bank job
A team of professional employees with experience in the financial system, judging by the reviews of work in the Russian Standard Bank, is recognized as a key factor in its success. All employees are aimed at providing full access to services and service at the highest level in any of the departments of a financial institution.
The Bank considers energetic and ambitious people who are set for professional and career growth in the financial sector to work in their team. Reviews and opinions about Russian Standard Bank state that the credit institution encourages the initiative of employees to offer innovative solutions to complex problems and teamwork. This large financial institution offers job opportunities for both professionals and novice professionals.
Bank cards
According to Russian Standard reviews, the Bank in your Pocket card is a very convenient and profitable product among debit counterparts:
- When withdrawing funds from the card, interest is saved.
- Card income is calculated every day, and paid every month.
According to reviews of the Russian Standard, the Bank in Your Pocket gives:
- Cashback for purchases from partners of the bank in the amount of fifteen percent.
- Income in the form of five percent per annum of the balance on the card account up to three hundred thousand rubles and when paying for purchases from 3000 rubles. in the previous billing period.
- Different income from the amount in the accumulation account, depending on the type of card.
Several types of Bank in your pocket cards have been developed:
- "Standard. Income in two accounts": five and a half percent per annum of any amount in the savings account.
- "Gold. Income into two accounts": six percent per annum of any amount in the savings account.
- "Premium. Income in two accounts": six and a half percent per annum of any amount in the savings account.
A catalog of prepaid cards dedicated to various holidays is presented on the bank’s official website.
Translations
When using the virtual application on the official website of a credit institution, it is possible to:
- transfer funds from card to card, from account to account, to an electronic wallet;
- repay a loan;
- pay the invoice;
- pay fines.
Loans
According to customer reviews of loans in the Russian Standard Bank, they have several advantages:
- For borrowers with a good credit history, a flexible system of interest on loans is provided.
- The transparent terms of the contract do not contain any other fees and commissions.
- According to reviews of Russian Standard Bank, a minimum package of client documents is required. To get a loan in the store, you only need a passport, and for a cash loan you need two documents.
- The client receives approval about the possibility of a loan very quickly. The decision to grant a loan in stores a person receives a maximum of fifteen minutes, a cash loan - within a day.
- The client has the opportunity to choose a convenient payment date.
According to customer reviews of loans at Russian Standard Bank, there are two attractive banking products:
- Cash loan.
- Credit in stores for the purchase of goods.
Cash loan
According to customer reviews of the Russian Standard, in order to obtain a cash loan, you must complete three steps:
- The client must fill out an application on the website of the credit institution and wait for the decision of the bank.
- With a positive decision, a person turns to the nearest bank branch.
- The borrower receives money.
Basic conditions for issuing a cash loan at a bank:
- The maximum amount is two million rubles.
- The minimum loan rate is 15 percent per annum.
- The term for consideration of the application is not more than a quarter of an hour.
Insurance
When issuing loans, according to reviews of the services of the Russian Standard Bank, the borrower has the opportunity to apply for:
- Borrower insurance against death or disability. The policy helps to pay off the balance due to a credit institution in an unforeseen situation.
- Job loss insurance. This type of policy helps to solve the problems associated with finding a new job.
Loans in stores
According to reviews of Russian Standard Bank, loans in stores that are partners of the bank have several advantages:
- The transparent terms of the contract do not contain any other fees and commissions.
- To get a loan in the store you only need a passport.
- The decision to grant a loan in stores a person receives a maximum of fifteen minutes.
- A wide selection of goods for registration on credit.
- The client has the opportunity to choose a convenient payment date.
- There are many ways to repay a loan. You can deposit funds for a loan at any time of the day.
To obtain a loan in a store (online store), you must perform three steps:
- The client must visit the outlet and apply for a loan when visiting (by phone).
- Sign a contract.
- Receive the goods. Pay the down payment, if applicable.
According to reviews of Russian Standard Bank, the main conditions for issuing a loan in stores are as follows:
- The maximum amount is three hundred thousand rubles.
- The loan term is from three months to three years.
The bank may offer customers installment purchases. This area of activity of the credit institution provides for the purchase of goods and payment of equal payments in equal amounts. An initial installment payment in installments may range from 0 to 90 percent of the value of the goods. Hire purchase is possible in stores (online stores) that are partners of Russian Standard Bank. The decision is made on the citizen's passport within fifteen minutes.
Credit card
According to reviews of Russian Standard Bank, credit cards are presented in a huge selection:
| Maximum amount, thousand rubles | Minimum loan rate | Monthly Maintenance Fee | Service |
| Platinum | 300 | 21.9 | 42 | Free mobile messaging service for two months after the first use of the card |
| Black | 600 | 19.9 | 409 | Loan interest is not accrued on timely repayment of all debt within 55 days. Free travel insurance. The card can be obtained by borrowers aged 21 to 65 years with a passport and one of the additional documents |
| Traveler Platinum Card | 300 | 21.9 | 125 | When paying for purchases, there is a period without interest payment up to 55 days of crediting and miles are accumulated for travel. |
| Black card for traveler | 600 | 19.9 | 492 | When paying for purchases, a period of no interest is accrued up to 55 days of crediting and miles are accumulated for travel |
| Football card Visa "Russian Standard" | 300 | 22 | 75 | Grace period up to 55 days. Loan interest is not accrued on timely repayment of all debt |
| The platinum card | | | | Unlimited access to a thousand halls of premium airports. Half a million free insurance. Free concierge service |
| Miss Russia | 300 | 21.9 | 75 | Grace period up to 55 days. Loan interest is not accrued on timely repayment of all debt |
| Miles & More Visa Signature Credit Card | 1500 | 28.9 | 10,000 per year | When paying for purchases, there is a period without interest payment up to 55 days of crediting and miles are accumulated for travel |
| Miles & More Visa Gold Credit Card | 300 | 31.9 | 3000 per year | The customer can make purchases with maximum benefit in more than two hundred stores of well-known brands. For the borrower there are attractive prices for airline tickets, insurance at a five percent discount on the tourist portal. The client can monitor the status of the account, instantly receiving messages on the phone about all card transactions |
| Miles & More Visa Classic Credit Card | 300 | 32.9 | 900 per year |
| Imperia platinum | 1000 | 7 | 25,000 per year | Each purchase with an Imperia Platinum card brings benefits: one point for every 30 rubles spent on purchases with a card |
| Diners club exclusive | 1500 | | | There are no limits with the Diners Club Exclusive card for client features. The credit limit is set individually. This allows the client to become the owner of a payment tool to manage their expenses. The borrower has the extended privileges of Diners Club members. The period without interest payment up to 55 days. Discounts at restaurants. Free access to airport business lounges |
| American Express | 300 | 19.5 | | The presence of a bonus program. The customer pays for purchases and receives points: a bonus point for every forty rubles. Then the client exchanges points for rewards from the program catalog. For cardholders, participation in the program is free. There is a discount on the cost of annual maintenance on the main card from the second year, depending on the turnover on the card. Additional card holders take full advantage of the main card. Free annual account statement. The grace period for purchases is up to 55 days. Clients have the opportunity to use a premium level service: one hundred percent protection of payments, a chip in a card to protect client’s funds, Internet banking and a bank for personal phones to pay bills for free, more than a million ATMs around the world |
According to reviews of Russian Standard Bank , credit cards of a financial institution compete with cards of other banks. With the help of them, you can buy goods in stores, pay for purchases online and withdraw cash from ATMs. The bank is worried about the security of its cards. They are equipped with a chip and have a high degree of protection. The secret code from the chip cannot be recognized by unauthorized persons. Each operation is confirmed by entering a code known only to the user of the card "Russian Standard".
To obtain a credit card, you must perform three steps:
- The client must apply for a credit card by phone through the bank’s call center or on the official website, or by visiting the nearest branch in person.
- Learn about the operational solution in a few minutes.
- Get a card of the Russian Standard Bank.
- Activate it. This can be done easily right at the bank branch or in the voice menu, following the instructions provided.
The methods for paying off credit card debt are as follows:
- Instantly in the Internet bank or in the service for a personal phone without commission.
- Through an ATM, payment terminal of the Russian Standard Bank without commission. If the funds are paid before seven in the evening, the debt will be written off on the same day.
- Through the cash desk of the bank "Russian Standard". The debt is written off at the expense of client funds on the day after payment.
- By bank transfer. The commission is from one to three percent of the payment amount. The term of enrollment lasts from one to three business days.
- By mail order. The commission is one and a half percent of the payment amount. The term of enrollment lasts up to three business days.
- Through the payment terminal. The commission is from one percent of the payment amount.
- Transfer by card number. The term of enrollment is up to three business days. The commission is equal to one and a half to two percent of the loan payment amount.
- On the Eleksnet website from a card or electronic wallet. The term of enrollment is from one to three business days.
- Withdrawal from the Bank in your Pocket card without commission.
- Through the cash desk of bank partners. The term of enrollment is from one to three days.
- Payment through accounting. The term of enrollment is from one to three days.
Deposits
Opportunities and advantages of deposits with Russian Standard Bank:
- Getting the maximum stable income from placing funds in a credit institution.
- The presence of deposits with the possibility of replenishment with certain payments on time.
- An opportunity to open a deposit with capitalization of interest in the amount of the deposit.
- The ability to issue a deposit with a monthly or quarterly interest payment on it for using funds.
- There are deposits with the possibility of partial withdrawal of the deposit amount.
- The ability to choose a deposit for a period convenient for the client.
- Bank customers have access to deposits in national and foreign currencies.
- Convenient for ordinary citizens, the minimum deposit amount.
The client can make a deposit in a way convenient for him:
- Come to the bank branch, get advice and open a deposit.
- Go to the Internet bank, order "Bank in your pocket", get access to the Internet or via a mobile bank, open a deposit.
According to reviews of Russian Standard Bank, deposits are presented in a huge selection:
| Deposit Name | Amount, thousand rubles | Interest rate | Loan term, days | Interest payment | Replenishment | Automatic extension | Gift card |
| "Maximum revenue" | 30 to 1,400 | from 6.5 to 7.0 | 91-360 | Interest is paid to the client at the end of the deposit period | No additional contributions | + | + |
| "Pension" | from 10 | 7.0 | 181-360 | Interest is paid to the client monthly | The possibility of making contributions within 90 days from the date of deposit | + | + |
| "Rentier" | from 30 | from 6.5 to 6.75 | 181-360 | Interest is transferred monthly or quarterly at the choice of the depositor | Possibility to deposit money no later than 60 days before the end of the deposit period | + | + |
| "Comfortable" | from 30 | from 5.5 to 6.5 | 91-360 | Interest is transferred at the end of the deposit period to the client | + | + |
We note several important points about deposits presented at the bank:
- Credit institution "Russian Standard" - a member of the state deposit insurance program.
- The client can at any time convenient for him to receive information about the status of his deposit by phone.
Securities and investments
Russian Standard Bank receives excellent customer reviews on the implementation of brokerage services. Services to clients are provided on the basis of a brokerage service agreement.
Reviews
Clients of Russian Standard Bank reviews and comments are as follows:
- The Bank is very active in providing loans to private customers and is promptly restructuring loans at the request of customers.
- The average rating of a credit institution for its work on the well-known portal about banks is below two points.
A huge number of complaints are directed to unprofessional service at the Russian Standard Bank. License revocation this information may provoke or not, interests clients. No, he can not. The license is revoked due to non-compliance with the standards established for credit institutions by the Bank of Russia or due to excessively risky policies.