This financial institution was established in 1993, at that time it was established in the form of joint-stock commercial bank Alina Moscow. However, in 1999, the bank acquired one of the largest insurance companies, Ingosstrakh, in the country, in connection with which the institution was renamed Commercial Joint-Stock Bank into Ingosstrakh-Soyuz. In 2003, it included other commercial organizations - Sibregion Bank, Avtovazbank and Halyk Savings Bank. Customer reviews about Soyuz Bank are presented at the end of the article.
Subsequently, the financial institution was given the name Soyuz Bank OJSC. Today, the main owner of the bank is the insurance company Ingosstrakh, which owns 95.86% of the bank's shares.
Sometimes in customer reviews of Soyuz Bank it is noted that this is not the largest financial institution in Russia. Nevertheless, at the moment it has 36 territorial divisions, which are located in different parts of the country, including in some large cultural and industrial cities, such as Tyumen, Novosibirsk, Rostov-on-Don, Moscow, Krasnoyarsk, Nizhny Novgorod , Samara and others.
The main specialization is the provision of retail financial services to private and corporate clients, medium and small businesses.
The customer base of the bank includes all categories of customers. Soyuz Bank offers many products. Priority areas of activity are working with various business sectors, as well as providing services to special customers. For legal entities, there is a wide range of standard financial products, a large number of banking operations. Soyuz Bank offers private clients loans, deposits, money transfers, plastic cards, and Internet banking.
A network of branches of Bank Soyuz has been developed, which is represented by 36 branches in various cities of Russia. Service is carried out today by about 1300 specialists. It can be noted that there are a large number of own ATMs of this financial institution - these are 217 devices for operations with bank plastic cards.
Financial performance
In the Russian rating of banks by financial indicators, “Bank Soyuz” takes 77th place. Its authorized capital in total is more than 80 billion rubles. The loan portfolio is approximately 30 billion rubles. The total amount of deposits of individuals is about 27 billion rubles.
If we talk about reliability, then Russian rating agencies give this bank a rating of “BBB-”. According to the international and national scale, it characterizes the bank as quite stable and reliable. This means that the financial institution has good financial capabilities, it is very stable in current market positions, but it has a low efficiency and capitalization indicator. The rating of a banking organization was affected by the crisis of 2008, when the organization was on the verge of losing a license, but thanks to effective measures by the Central Bank, it was able to quickly get out of a difficult situation. It should be noted that the financial indicators of the company were brought back to normal in just a couple of months.
Bank official website
On the Internet pages there is an official site of Bank Soyuz, which provides comprehensive information about its services and products for corporate clients, individuals, representatives of small and medium businesses, and financial organizations. If we talk briefly about the products and services of this institution, it offers a wide range of different programs for legal entities and private clients. Individuals can open a deposit here, get a loan, including a mortgage, and get a plastic card. Corporate clients get the opportunity to open an overdraft, account, use bank guarantees, open a salary project, etc. The interface of the official website of this bank is understandable even to not the most active Internet users. Numerous customer reviews about Soyuz Bank in Moscow and other cities confirm this.
In addition, customers of the company get the opportunity to use Internet banking, but it is available exclusively to plastic card holders.
Bank Offices
Today, the bank has many offices in various cities of Russia, including Rostov-on-Don, St. Petersburg, Irkutsk, Tyumen, Nizhny Novgorod, Chelyabinsk, Sochi, Moscow. Soyuz Bank serves customers only in the territory in which its branches are located. A full list of cities in which the institution has offices can be found on the website.
It will not be difficult to find the addresses of the Bank Soyuz branches in Moscow and other cities: just go to the official website in the appropriate section. If the client has questions related to the services and products of this financial institution, he can use the hotline, a call on which is free for all regions of the country. In addition, there are other phone numbers, such as technical support and help desk. Operators can carry out some operations. For example, according to reviews of Soyuz Bank in Yekaterinburg, customers get the opportunity to block a plastic card or activate it, clarify information about products, services, loan debt, etc. remotely.
However, it should be borne in mind that call-center employees cannot carry out financial transactions, especially in cases where a signature in the documents or personal presence of the client is required.
Partners
Judging by the reviews of Soyuz Bank in Kirov, many organization plastic card holders are interested in the question: where can I withdraw money without a commission? It is worth mentioning right away that this bank does not have such partners. Therefore, holders of plastic cards can only use the devices of this financial institution, otherwise they will need to pay a fee.
Bank services
Types of banking services for individuals:
- contributions;
- mortgage and car loans;
- customer credit;
- investment and insurance programs;
- bank cards;
- currency exchange;
- remote maintenance.
Types of services provided to legal entities:
- leasing and factoring;
- CSC;
- corporate finance;
- brokerage services;
- acquiring.
Consumer loans
Consumer loans from this financial institution are represented by the following products:
- "Opportunities" - the amount of up to 1.5 million rubles., Interest rate from 15.5%, and the term - up to 84 months.
- “Shared values” (exclusively for customers): maximum size - up to 3 million rubles, interest rate - from 12.5% for a period of up to 7 years.
- Customers are also offered a loan with an increased profit “Your Rules” with an interest rate of 14.5% and the maximum possible cash amount of 1.5 million rubles. The maximum loan term is 7 years.
The reviews about Soyuz Bank in Moscow are contradictory, as loans are usually designed for wealthy borrowers. Before you borrow money, it is recommended to correlate your desires with opportunities and solvency.
Debit Credit Cards
In this service sector, a banking organization offers the following products:
- Black Edition Card is a premium product for travelers. Its limit is up to 1.5 million rubles, and the interest-free period is 115 days.
- Platinum card “My bonus” for everyday purchases, which may receive additional points up to 8% of the amount of purchases. It is also possible to receive interest on the cash balance. A distinctive feature of this credit card is free periods.
- A profitable card that has a cashback and higher interest rates on the balance.
- Soyuz Bank issues debit cards that operate with all payment systems.
- Salary cards.
Mortgage credit lending
Soyuz Bank provides rather favorable conditions for mortgage loans. The amount of the mortgage can be up to 30 million rubles, and the interest rate ranges from 8 to 13% depending on the selected loan program. The loan term is 25 years (maximum).
On the official website of the organization there is a special calculator that allows you to calculate the size of the mortgage for an individual. If the client wants to choose the most advantageous mortgage offer: to purchase an apartment in a new building or other residential property with minimal overpayments, then you should definitely use a calculator.
If you focus on reviews, Bank Soyuz JSC provides low interest on mortgages, which makes it very popular among borrowers who want to buy their own housing.
At present, this bank has six similar lending programs. The size of monthly payments depends on how well the mortgage will be calculated and how the program will be selected correctly. The mortgage calculator in automatic mode allows you to determine:
- the amount of accrued interest for each month;
- maximum amount of a mortgage loan;
- the amount of monthly payments;
- the amount of the total overpayment as a percentage;
- amount of overpayment in cash;
- the amount of payments for the entire period;
- the possibility of early repayment.
Using this information, you can get an idea of the selected program, evaluate your own options for repaying a loan and paying deductions, and decide on the advisability of obtaining a mortgage loan.
“Soyuz Bank” provides potential borrowers with the following conditions for obtaining a mortgage:
- with down payment;
- with proof of income;
- with a guarantor;
- no down payment;
- without certificates of income from the place of employment;
- personal conditions (for a young family or young professionals).
When applying for a mortgage, the bank can offer two ways to pay off debt: using annuity or differentiated payments. The mortgage calculator calculates specifically annuity payments, since they are in high demand among the population. It is better to familiarize yourself with the mortgage reviews from Bank Soyuz in advance.
A similar loan can be obtained:
- for secondary housing;
- on a plot of land for building;
- to a new building;
- to build a private house.
Car loans
Car loan "Bank Soyuz" has favorable conditions. The customer can purchase both a new car and a used one. The loan amount reaches a maximum of 5 million rubles. All car loan programs provide for a down payment of 15%. The interest rate ranges from 10.7 to 13.2%. Reviews about the car loan at Soyuz Bank are mostly positive.
Deposits
Soyuz Bank provides clients with the following deposits:
- “Maximum”, the term of which in Russian currency can be extended up to 1100 days, is carried out at 5.25-6.75% per annum.
- “Reliable interest” for a period of 12 months at an interest rate of 7% in rubles.
- “Double benefit” - a deposit in rubles for a year at 7.75%.
- “Classic” - a deposit, under the terms of which you can invest money in dollars, rubles or euros for a period of 3 months. up to 3 years. The rate varies depending on the urgency of the deposit.
- “Cumulative” - there is the possibility of replenishment and partial withdrawal of funds in rubles, euros and dollars. The minimum rate is from 5.5%, the term is up to 4 years.
- “Comfortable” - provides for a partial withdrawal of money and a reduced interest rate.
Now we’ll get acquainted with customer reviews about Soyuz Bank.
What do customers say in their comments?
Customer feedback on Bank Soyuz loans allows us to form a final opinion about this financial institution as a reliable partner. The average service rating is 2.57 out of 5. Although there are a lot of complaints about Bank Soyuz.
If you carefully study customer reviews about Soyuz Bank, you can find that the employees of the company are not always distinguished by a high level of qualification and are often not able to provide services at the highest level. Despite this, it should be noted that the organization is constantly working to increase the quality of service for its customers, therefore, persons who contact the bank and are faced with incompetence of employees should contact the management of the institution with a complaint to which it will immediately respond. There are also comments related to the services and products of this bank, including problems encountered by customers who issued a loan.
However, there are also positive customer reviews about Soyuz Bank, and they are mainly associated with many thanks to the bank's employees.
In the end, it should be noted that this financial institution is quite stable. This bank can be considered as a reliable financial partner. It provides a wide range of services, which means that every potential client can find here a product or service that meets its requirements as much as possible. A car loan at Soyuz Bank is considered very convenient and profitable, and customer reviews confirm this.