In the economic crisis mode, people are especially careful in choosing financial institutions for cooperation. A lot of positive reviews can be heard about the Russian Standard Bank in Kaliningrad. In the city, a financial institution takes one of the first places in drawing up credit and deposit agreements for individuals. The bank also provides a number of additional services.
Basic information
Commercial Bank "Russian Standard" began its activities in 1993. The founders were 11 enterprises. A financial institution was originally created to conduct settlements between founders. Significant development of the bank began with obtaining a comprehensive foreign exchange license. In 1999, the reorganization of a financial institution was launched. The bank began to provide services to private customers. New branches and points of sale began to open rapidly. There was a credit and cash office in Kaliningrad. Now the department operates at the address - Chernyakhovsky Street, 30-40. You can visit the institution daily from 10:00 to 20:00, except weekends. The office phone number can be found on the official website of the bank.
If we consider the banks of Kaliningrad, “Russian Standard is one of the most popular financial institutions. It attracts customers through a wide selection of beneficial services.
Cash loans
If you don’t have enough money to buy or if you need money to plan an important event, you can contact Russian Standard Bank in Kaliningrad for help. You can find out all the conditions of the transaction in real time. The site has a convenient calculator with which you can calculate the overpayment on the loan. Thus, the client decides on the benefits of the transaction before filing the application.
A cash loan is a universal product that can be issued by any adult citizen with official registration in Kaliningrad. If you need to take a small amount (up to 10 thousand rubles), an income statement can be omitted. The maximum transaction amount may be 2 million rubles. The bank has the right to demand the presence of guarantors. The rate for customers who seek help for the first time is 15% per annum. For people with a good credit history, the rate can be reduced. An obligatory document at registration of a transaction is a passport of a citizen of the Russian Federation. Additionally, the bank may require a SNILS number.
Credit and Debit Cards
Russian Standard Bank in Kaliningrad offers several options for plastic cards. It is possible to open a line of credit with a grace period. If you use the service correctly, you won’t be able to overpay anything at all. The most popular is the Platinum card, which makes it possible to use a loan of up to 300 thousand rubles anywhere in the world. A grace period of 55 days is provided. An additional bonus is the ability to withdraw cash without interest at any ATM in the world. To apply for a credit card, you must visit the Russian Standard Bank in Kaliningrad. The office address is indicated above. The client must provide a passport and SNILS number.
Debit cards are also popular with which you can protect your own funds from inflation. A commission of 6% per annum is charged on the balance of the account. Debit card holders are offered various promotions and additional bonuses. So, when paying for goods in partner stores, up to 10% of the money spent is returned to the account.
Current accounts
Opening your own account at Russian Standard Bank in Kaliningrad is an opportunity to conveniently keep your savings for active people. Money is always under reliable protection, because a financial institution is a member of the individual deposit insurance fund. The plus is that an account can be opened for an unlimited period. Easy ways to replenish and withdraw funds from your wallet are offered. Each client can always keep track of their own savings in real time. It is possible to register in online banking.
Every adult citizen of the Russian Federation can open a current bank account. However, official registration in Kaliningrad is not required. To issue an account, you must provide a passport, as well as the number of SNILS.
Package "Bank in your pocket"
Multifunctional cards of the Bank in your Pocket package From Russian Standard are very popular among Kaliningrad customers. The program draws up cards that can be used to make purchases or generate income. If own funds are kept in the account, the bank charges 7% per annum. The larger the amount on the card, the higher the profit. You can withdraw accrued interest, as well as savings, at any ATM without a commission.
Convenient remote services are attached to the service package. The most convenient are Internet banking and telephone banking. The client has the opportunity in real time to find out information about the account, make bank transfers, recharge a mobile account, etc. In addition, various attractive bonuses and discounts are offered to cardholders under the Bank in your Pocket program. The financial institution cooperates with 3,000 different shops and outlets. It is possible to get a discount of up to 30% on goods and services when paying by card.
Deposits from Russian Standard Bank
In Kaliningrad, deposits are no less popular than in other cities. A deposit is an opportunity to reliably keep your savings and even earn a little money. Any adult citizen can become a client of the bank. All you need to do is contact the office of a financial institution in Kaliningrad and write a statement. Also, the client will have to provide a passport and SNILS number.
You can issue a deposit in the Russian Standard in rubles, dollars or euros. Despite the instability of the national currency, deposits are made most often in it. The minimum amount is 10 thousand rubles. The rate depends on the selected product and can be as high as 8% per annum. A transaction may be concluded for a period of 91 to 720 days. The longer the term, the higher the rate.
A popular is a deposit product, which is issued together with a payment card. The contract rate is 7% per annum. Interest is accrued monthly. At the same time, capitalization is provided. The first deposit payment is 30 thousand rubles. It is possible to replenish the deposit.
Investment Products
If there is an amount that I would like to invest in a profitable business, you can cooperate with Russian Standard Bank in Kaliningrad. The list of branches can be clarified on the official website, the office address in Kaliningrad is indicated above. The financial formula “Life Formula” is popular. This product, which allows you to earn on investing in securities. At the same time, the client is guaranteed insurance coverage in unforeseen life circumstances.
The client has the opportunity to independently choose an investment strategy. It can be the global or Russian economy, real estate, healthcare. Some clients prefer to invest in education. The financial formula “Life Formula” attracts customers due to transparency of transactions, unlimited profitability, 100% protection of capital.
Property insurance
The Russian Standard Bank in Kaliningrad also offers interesting insurance programs. The address of the office where you can conclude the transaction is indicated above. The program “My Favorite Apartment”, which offers protection of financial interests in case of property damage, is very popular. In addition, funds under the contract are paid in case of damage to property of neighbors through the fault of the insured. The contract can be concluded at the bank office without a preliminary inspection of the insurance object (apartment or house). Insurance risks include: bay, fire, theft, natural disasters, an explosion of domestic gas.
Each client can also make a deal under the program “My favorite summer residence”. Such an agreement is particularly effective in relation to unlawful actions of third parties. A country house is not always able to be controlled.
Insurance for children
Together with the Russian Standard Insurance company, the bank offers a wide selection of various insurance programs. Popular products related to the health of the younger generation. This is evidenced by reviews of the “Russian Standard” in Kaliningrad. The client can issue a policy for a child or immediately for the whole family. In the role of the insured can immediately act 6 individuals. At the same time, it is not necessary to confirm kinship. Insurance risks under the program include bodily harm, hospitalization in the event of an accident, disability. Payments are made within 10 days after the provision of a full package of documents on the occurrence of an insured event.
Many good reviews can also be heard about the travel insurance program. You can connect the policy in the office of Kaliningrad.
Health insurance
Not every citizen today can boast of official employment. This entails the absence of a social package. At the same time, a person cannot count on high-quality medical support? For help, you can contact the Russian Standard Bank (Kaliningrad). Office phone number is indicated on the official website.
The insurance program “Your Doctor" is a unique service that allows you to get high-quality medical care anywhere in Russia. To purchase a policy, you must contact the bank office and fill out the relevant application.
Retirement insurance
The absence of a social package is also the impossibility of counting on the help of the state upon reaching retirement age. The non-state pension is offered by Russian Standard Bank. ATMs in Kaliningrad will issue money from pensioner cards without commission.
The conclusion of a transaction with a bank is also an opportunity to receive additional income. Pension savings are formed in rubles. The fund, on the other hand, invests clients' funds in order to increase them later.
Russian Standard in Kaliningrad is a truly universal financial institution. It is no coincidence that the number of bank customers is increasing annually. Each adult citizen has the opportunity not only to take out a loan on favorable terms, but also to purchase an insurance policy.