The history of the Uniastrum Bank fully reflects the socio-economic situation that has developed in the Russian Federation over the past 20 years. A financial institution was established in 1994. Over the period of operation, it has gone through many stages of development, which today suggests its stability, flexible policy, credibility and reliability.
The main stage in the development of the organization was the acceptance in 1996 of it into the Russian payment system Union Card. Today, each client is trying to leave a comment about Uniastrum Bank. Licensed by the institution in 1997. At this time, it was accepted into the ranks of members of the capital stock exchange. Since 1998, Uniastrum Bank is a member of the Moscow Interbank Exchange, which enabled it to carry out foreign exchange operations. Since 1999, he has been developing a regional network of its branches, which today in the Russian Federation number more than 100 in 60 cities.
The correctness of the chosen path of Uniastrum Bank is evidenced by its adoption in 2001 as a member of the SWIFT World Interbank System. Recognition of the professionalism of the team managing the institution was its entry into the Visa International payment system in 2002.
Today, the authorized capital of Uniastrum Bank is 5,900,865,000 rubles. The customer reviews of Uniastrum Bank indicate that this institution is a recognized leader in the field of work with small and medium-sized businesses. He provides a full range of banking services, including lending. This bank is attractive due to the professionalism and responsibility of its employees, which allows them to make quick and flexible decisions in favor of customers. In addition, Uniastrum Bank has been a member of the compulsory deposit insurance system since 2004.
Deposits for individuals
Uniastrum Bank offers three deposit options for individuals. They can be both in rubles, and in dollars, euros. The difference between deposit programs is the minimum deposit amount, interest rate and maturity, which allows satisfying the needs of all categories of the population in this service. Reviews show that people with different financial capabilities can save their savings.
A very popular contribution is the "High Interest". The program is designed for approximately 1 year with the possibility of automatic prolongation. The deposit is possible in rubles, dollars, euros. The minimum deposit amount in domestic currency is 20 thousand (in foreign - 2 thousand). Maximum - 1 million rubles (in dollars, euros - 500 thousand). The deposit rate in Russian currency units is 8.75%, in American and European ones - 1.5%, which is paid at the end of the deposit term.
Customer reviews say that they like the contribution of "Social". The program has more flexible terms: from 181 days to two years. The interest rate of this contribution in rubles varies depending on the terms - from 8 to 9 percent per annum. In dollars and euros, usually the percentage is stable and equals one. In addition, this contribution provides for the payment of interest rates on a monthly basis.
At the same time, the contribution of "Universal" is also evaluated positively. It is designed for customers who have been serviced by the program "Big percentage". The terms of its placement are more liberal: from 91 days to 1 year. Interest rates in rubles range from 10% to 11.75%, in dollars and euros - from 1.2% to 2%. Interest payments are made every month.
As for the “Demand” deposit, you can hear only laudatory reviews of Uniastrum Bank customers about this program. According to them, it allows you to quickly manage funds and use them without restrictions if necessary. Interest rates in rubles are 1%, in dollars - 0.5%, in euros - 0.2%. Payments are also monthly.
Deposits for legal entities
Other programs have been developed for this category:
- Deposit "Maximum income". This type of deposit provides an opportunity to place your funds in rubles for a period of 7 days to 12 months, in dollars and euros - from 61 days to 1 year. Uniastrum Bank, reviews of which contribute to its popularity among customers, offers interest rates in rubles: from 8.5%, in euros and dollars, they start at 2.25%.
- Deposit "Business Approach". Designed for 1 year. Interest rates on deposits in rubles start at 8.25% and end at 11%. If we take into account dollars and euros - from 0.75% to 3.75%. Positive feedback also prevailed about this program. Uniastrum Bank always goes towards regular customers. In case of opening a deposit in the amount of 1 million or more, bets will be calculated individually.
- Deposit "Active capital (ruble)". Deposits for this type are made only in rubles. The term for placing funds is 1 year. Interest rate - 10.5%. With an early partial demand for funds, it decreases. This is evidenced by reviews. Uniastrum Bank appreciates its customers who adhere to the terms of the contract. Payments on the deposit are made at the end of the deposit period.
- Deposit "Active capital (USD-Euro)". The program is designed in most cases for deposits in dollars and euros. Deposit terms from 31 days to 1 year. The reviews on Uniastrum Bank's deposits suggest that interest rates are calculated depending on the timing of the deposit and range from 1 to 3.5%.
Credit programs for individuals
Uniastrum Bank, reviews of which are available in the media, recognizes consumer lending as the most important area of its activity. A financial institution offers a huge range of services in this area. The main programs will be described below.
- Credit "Affordable". This type is provided for cashless payments for goods and services for a period of 1 to 60 months. The amount of the contract ranges from 10 to 500 thousand rubles. Interest rates increase depending on the increase in the loan repayment term and range from 16 to 41.3% per annum. This type of lending provides for the life and health insurance of the borrower, the possible loss of work.
- Corporate loan. The program is designed for customers holding plastic bank cards with a positive credit history. The purposes of issuing a Corporate loan coincide with those of the Affordable. The amount of the contract varies from 10 thousand rubles to 1 million rubles. Interest rates are lower than in the previous package and range from 15 to 32.6% per annum. This program also includes insurance.
- Credit "Exclusive". The amount in this package is calculated from 500 thousand to 1 million rubles. Interest rates range from 14.9 to 22.9%. This type provides for the life and health insurance of the borrower, the possible loss of work. According to customer reviews, the program is very popular.
- Credit "Reliable partner". The amount in this package ranges from 10 thousand to 1 million rubles. Uniastrum Bank offers interest rates that depend, as in previous loan packages, on maturities (from 1 to 60 months) and range from 13.5-26.6% per annum.
Lending to legal entities
In the framework of working with loans, a special place is given to lending aimed at the development of small and medium-sized businesses. Uniastrum Bank has developed special programs in this direction. They provide capital for the promotion of entrepreneurial activity in the market, the intensification of food retail, and restaurant business. In addition, their activities provide for the issuance of loans to lessors, those aimed at the development of dentistry, the beauty industry, and pharmaceuticals. Uniastrum Bank (Armavir) is quite active in these areas. Feedback from experts shows that such programs contribute to the expansion of the spectrum of small and medium-sized businesses as a whole.
Business Development Credit
Seeks to satisfy the needs of its customers Uniastrum Bank. Work, reviews of which are more positive, aimed at supporting the business. She carries social subtext. This type of lending is universal, designed to facilitate small and medium-sized businesses in the implementation of their ideas. Within its framework, the amount reaches 50 million rubles, the interest rate starts at 18.1% per annum. This type of loan can be issued to an individual. Loan term - up to 96 months. Such an agreement provides for mandatory collateral obligations for immovable and movable property.
Special attention deserves a loan for food retail. The contract can be concluded in the amount of up to 20 million rubles. Its interest rate starts at 18.1% per annum. The term for which it is designed is a maximum of 96 months. The loan is granted against the borrower's collateral obligations. In addition, his business must be pre-functioning for at least a year and be profitable. The reviews of Uniastrum Bank employees indicate the relevance and relevance of this type of lending.
The issuance of capital to the owners of the restaurant business, retail of auto parts, tires and wheels, beauty salons, hairdressers is carried out on similar conditions. Uniastrum Bank offers excellent business conditions. Employee reviews show that programs are designed to meet the various needs of customers.
Other types of lending
A credit line for lessors is designed for an amount of up to 50 million rubles for a period of 96 months and a starting interest rate of 18% per annum. Mandatory conditions for the borrower are a pledge of real estate, a guarantee from the Small and Medium Business Support Fund, as well as additional collateral guarantees in the form of movable property. Uniastrum Bank has developed preferential lending conditions for owners of pharmaceutical and dental businesses. Their conditions are identical to the above types for entrepreneurs. The requirements for the borrower's business are simple: at least 2 years of operation, profitability. This loan is secured by real estate.
For legal entities, short-term loans secured by movable property are also possible. The maximum amount is 20 million rubles, the starting interest rate is from 20.1% per annum, the maximum term is 36 months. The contract can be concluded under certain conditions: pledge of movable property, surety of legal entities and the Fund for Support of Small and Medium Enterprises. It will be possible to get a loan if a private entrepreneur has been working in his niche for at least 24 months and makes a profit.
Corporate lending
Uniastrum Bank pays great attention to cooperation with corporate clients. Mutually beneficial partnership is the key to business profitability. The Bank has developed the U-Business Prime program, under which loans are granted to corporate clients for up to 96 months in the amount of 20 million rubles with a starting interest rate of 17% per annum.
Commercial and structural lending programs have also been developed for this target audience. In the first case, they are issued for a period of up to 1 year, in the second - up to 7 years. To obtain such capital, it is necessary to have contractual obligations with a foreign exporter company. In this area, it offers attractive conditions for the establishment of Uniastrum Bank LLC. Customer reviews show that credit programs allow you to develop in the necessary business direction. The financial institution has built up a serious corporate client base, which indicates its reliability.
Additional services to individuals
The Bank provides guaranteed storage of valuables by placing them in safe deposit boxes, renting a cash machine or currency detector. As well as through the conversion and verification of the authenticity of monetary units, the exchange of cash and currency, collection and transportation of values. Uniastrum Bank also implements partnership programs for social insurance, as well as life, health, property and civil liability of clients.
Additional services to legal entities
According to reviews, Uniastrum Bank offers salary payments on favorable terms to its legal partners. Making a salary project will help to prevent fraudulent actions with cash, eliminate the need for cash transportation, promote transparency of operations, and expand the financial capabilities of customers by opening a credit card.
“Uniastrum Bank” carries out leasing activities for corporate clients. Leasing products are real estate, equipment, vehicles. The attractiveness of registering a leasing transaction in a bank is due to low interest rates, long financing periods, and the possibility of processing without an advance when depositing.
Internet banking
Uniastrum Bank is developing and functioning taking into account the trends of the time. Feedback from depositors suggests that it is convenient to have an electronic version of this institution. Thus, it is possible to carry out any banking operations on your gadget in real time without visiting a branch of the institution. Positive is the ability to personally control all payments. Pleases customers and the absence of any fees, rational distribution of time. Summing up, we can confidently talk about the reliability and accessibility of Uniastrum Bank and recommend it for cooperation to both individuals and legal entities.
The most important reliability criterion is, if we consider Uniastrum Bank, the rating. The reviews of experts show that as of the beginning of 2016, the institution was rated as stable. Uniastrum Bank's customer base includes more than eighteen thousand small and medium-sized enterprises. In addition, according to the results of 2009, the financial institution was recognized as the most stress-resistant bank according to the National Prize. In 2010, the bank was awarded the same prize for the best retail loan. The year 2013 for the institution was marked by an award for the introduction of modern banking technologies.
Negative reviews
Each dissatisfied customer also seeks to leave a comment about Uniastrum Bank. License No. 138-00180-211400 is a confirmation that the institution operates legally. But people say that problems are most often associated with dishonest work of employees of some departments. Unfortunately, not many modern people are financially literate. Branch economists should provide information on deposit and loan programs as fully as possible. If this was not done in a timely manner, a misunderstanding arises between the bank and the client. And as a result - a negative.
Compliance with the terms of the contract is a step towards fruitful cooperation with a financial institution. Experts also leave their feedback. Uniastrum Bank, they say, offers quite attractive conditions when resorting to comparison with other similar organizations.