Uralsib Bank is a recognizable brand in the Russian market. It is included in the TOP-30 of the largest banks in the country. The business organization covers 7 federal districts and 46 regions of the country. Customer reviews of Uralsib Bank allow us to judge the quality of service and the convenience of services.
Brand history
PJSC Uralsib Bank is a licensed commercial bank of Russia. The license was issued by the Central Bank in 2015 (unlimited). Since November 2015, V.I. became the head of a commercial bank. Kogan, a famous Russian banker, statesman.
For 3 years, Uralsib has been operating at the expense of long-term development loans. Loans to the bank in the total amount of 81 billion rubles. The investor was the state organization Deposit Insurance Agency. Since 2015, Uralsib has been one of the organization’s insurers, which guarantees the safety of funds of the bank’s customers.
Previously, the company was called "Bashkreditbank" and offered services only in the Republic of Bashkortostan (in 1993). Until 1997, he was one of the leaders in the region (together with the largest bank in the country).
The name change took place in 2002, when Bashkreditbank was renamed Ural-Siberian Bank. As a result of the merger with 10 domestic companies, the modern brand Uralsib was founded. Subsidiaries included:
- JSCB Autobank-NIKoil;
- CB "Bryansk People's Bank" (OJSC);
- JB IBGNIKoil (OJSC);
- OJSC AKB Kuzbassugolbank;
- OJSC AKB URALSIB-YUG BANK;
- OJSC AKBSstroyvestbank.
The basis of activity
In the area of activity, Uralsib is considered a universal commercial bank. A huge number of citizens trust his savings. It provides services to individuals and corporate clients. According to reviews, Uralsib Bank is one of the most recognizable brands among similar Russian institutions.
To private individuals, he offers:
- deposits
- lending;
- payment cards;
- investments;
- insurance services;
- brokerage services;
- stocks;
- payments
- translations.
At offices and Internet banking, customers can buy and exchange foreign currency, precious metals (using OMC accounts).
Lending at Uralsib Bank
According to customer reviews of loans, one can judge the availability of a wide range of loan products with favorable conditions. You can get borrowed funds by filling out the following products:
- mortgage
- consumer credit;
- car loan;
- credit card.
Each product includes at least 2 offers. This allows borrowers to choose the best option for lending. 9 out of 10 loan products are available for registration online.
The feedback from Uralsib Bank employees says that management pays special attention to promoting online lending. This allows customers to receive borrowed funds within 24 hours after submitting an application via the Internet.
Mortgage Terms
From the beginning of its activity, Uralsib has been one of the country's leaders in terms of mortgage lending. Now he is in the TOP 10 companies by the number of open mortgage contracts in 2018.
Mortgage Bank Uralsib, according to reviews, can apply for not only the owners of salary cards. A housing loan is available to all clients with official earnings, but the conditions for concluding a contract for regular borrowers, depositors and other persons are different.
The bank can arrange a mortgage for new (under construction) housing and real estate in the secondary market. The interest rate, down payment differ from the type of loan and the status of the borrower. The most favorable conditions are provided to regular customers (cardholders, depositors, borrowers, including former) and employees of subsidiaries or partner companies.
According to customer reviews, a mortgage at Uralsib Bank is beneficial for borrowers. This is confirmed by the loan conditions:
- General: mortgages up to 30 years, interest rate from 9.9% per annum, minimum installment - 15%. Issued in the amount of up to 50 million rubles. The program is relevant for both under construction and finished housing in the secondary market.
- A loan secured by real estate without a down payment. Issued in amounts of up to 20 million rubles. The rate is from 12.5% per annum. The maximum contract size as a percentage of the value of collateral housing is 60%. Issued up to 30 years.
- A military mortgage is issued for a period of up to 20 years in the amount of up to 2.6 million rubles (the size of a mortgage loan minus own funds + ZHZZ). The minimum rate is 10.9% per annum.
- Mortgage loan from partners of the bank. Under the terms of the borrower, a loan of up to 50 million rubles is available at 9.9% per annum (minimum) for a period of up to 30 years.
- A loan secured by property. This can be a mortgage or consumer lending for any purpose. The volume of a mortgage loan cannot exceed 6 million rubles, and the minimum rate is 13.5% per annum. It is issued for a period of up to 15 years.
- Mortgage Holidays. This is a loan for those who purchase housing under construction in a new house. It allows you to pay 50% of the monthly payment for up to 2 years. After the "vacation" the client must make 100% payment before repayment of the loan. It is issued for a period of up to 30 years, the maximum amount is 50 million rubles. The interest rate starts at 10.9% per annum.
- Mortgage refinancing of other banks. Clients can apply for a home loan by paying off a debt at another financial institution. Terms of the contract: rate from 10.5% per annum, term - up to 30 years. Provided in the amount of up to 50 million rubles. The object of the pledge is the acquired property.
Car loan processing at the bank
Clients of Uralsib Bank can become the owner of their own vehicle using borrowed funds under the Car Loans program. The bank provides 2 loan options for future motorists:
- "Auto partner". Under the agreement, the borrower buys a car worth up to 3 million rubles with a loan term of up to 5 years. The minimum loan installment is 20%. The rate is from 10.9% per annum.
- "A fairy tale without hull insurance." This is a car loan in the amount of up to 3 million rubles for a period of up to 5 years. The borrower must provide a down payment of 20% of the cost of the loan. Bank interest - from 14.8% per annum. The bonus is the lack of compulsory insurance under the CASCO program (which is required in 9 out of 10 banks when buying a car with car loans).
Customers can include life insurance in their credit or refuse the service. In case of refusal, the interest rate increases by 2 points.
Customer reviews about the car loan at Uralsib Bank are positive. Borrowers write that the lender strictly complies with the terms of the loan. Interest suits more than 67% of car owners.
Early repayment of car loans is carried out without commission. Clients can fill out an application at any office, through an online bank or by calling a support service. When applying for a loan, attention is paid to the car brand, the borrower's credit history and documents confirming solvency.
Consumer loans at Uralsib
Loans for any purpose at Uralsib Bank allow borrowers to solve financial problems within 1-2 days. Consumer loans are issued to working citizens and retirees. Types of loan products of Uralsib:
- A special loan is provided for public sector employees with a fixed interest rate of 15.9% per annum. It is issued in the amount of up to 1.5 million rubles for a period of up to 7 years.
- For retirees. The product "Honorary Senior Citizen" is issued to those who retired early or in old age. Amounts up to 500 thousand rubles are available for a period of up to 7 years.
- Refinancing of loans of other banks. Uralsib Bank customers can obtain a consumer loan on favorable terms in the amount of up to 2 million rubles. Loan term should not exceed 7 years. The interest rate starts at 11.4% per annum.
- Cash loan. This is a standard lending option. You can draw up a contract for up to 7 years, the amount is limited to 1.5 million rubles. Interest ranges from 11.9% per annum.
Positive feedback on Uralsib Bank. The lender offers competitive rates, convenient repayment periods. Clients can receive borrowed funds in cash or by transfer to a bank card, Uralsib account.
Loans are issued to employees or those who receive a pension. Minimum references for obtaining a loan include the provision of a passport and a second document of your choice. This may be a passport, driver's license, SNILS, certificate 2-personal income tax, military ID and others.
Credit Cards: Terms
Bank loans on a plastic card attract many customers: this is a quick type of loan with favorable conditions. Every 5 Russians use credit cards, and 1/4 of cardholders use a payment instrument at least 3 times a week.
UralSib credit card reviews describe the benefits of a wide selection of products. Credit cards are available to customers with:
- Offers from partners of the bank. These are Lukoil-Uralsib, Energy, Calling Card, and Worldwide cards.
- Charitable contributions to the Victoria Children's Fund. These are cards from which 0.5% from each purchase is automatically deducted. They are called "Decent Home for Children."
- Classic bonuses from the Uralsib company. You can issue a card of the classic type or Gold.
- Premium cards. The advantages of the product are a stylish design, maximum limits and premium services from partners of the bank. Credit cards "Infinity" and "Gold" are available for registration.
Making a credit card takes no more than 15 minutes. According to customer reviews, at Uralsib Bank, borrowers can issue a credit card with a passport and any document of their choice. Experts recommend taking along a certificate of income in the form of 2-personal income tax.
The opinion of borrowers about the lender
Customer reviews of Uralsib Bank loans in 8 out of 10 cases are positive. Among the advantages, borrowers especially distinguish:
- Quick decision on the application. Clients can receive borrowed funds within 24 hours from the moment of sending the application.
- Online loan processing. With and without Internet banking, customers can apply for the right type of loan.
- Profitable interest.
- High service at the bank branches. Despite the emphasis on online registration of services, the managers of Uralsib Bank are competent and courteous.
But customers who are going to borrow money are interested in the opinion of the products themselves. The chances of reaching the delay depend on the convenience of paying the loan, and the percentage of the overpayment to the bank depends on the interest. Therefore, future borrowers are studying whether the bank customers like the conditions after applying.
Most of all people care about consumer loans and credit cards of Uralsib Bank. They are the most popular products when searching for information on the Internet.
Loan Feedback
Reviews on Uralsib Bank on loans in most cases are positive. Customers note low interest on all types of loans. For example, clients can issue a mortgage from 9.9% per annum, and get borrowed funds for any purpose from 11.4%.
Credit cards are an exception: for them, interest starts at 23.9% per annum, but such rates are considered low on average for credit cards of Russian banks. Borrowers write in the comments that the bank accrues bonus points without fraud and delays. This is important because not all lenders provide special programs that allow cardholders to accumulate points to pay for purchases.
Uralsib compares favorably with its competitors by the presence of 4 types of credit cards. The product line allows you to choose a credit card with favorable interest, grace period and bonuses from the bank or partners. It attracts many people. The largest number of positive reviews about the Uralsib bank card under the name Energy.
Car loan feedback
Car loans are popular with Russians not by chance: more than 64% of cars are purchased by citizens at the expense of borrowed funds. Not everyone takes car loans for this, but Uralsib Bank is a popular type of loan. Because he, according to borrowers, has a lot of advantages.
The feedback on the car loan of Uralsib Bank is positive, as borrowers can receive funds in the company without the obligatory connection of the CASCO insurance program. In most Russian banks (95%), targeted loans for the purchase of a vehicle without hull insurance are not issued.
The employees ’feedback on Uralsib regarding car loan services is also positive. Workers note that customers willingly choose a type of loan without hull insurance, despite higher interest rates. Drivers can get borrowed funds for buying a car at 14.8% per annum and without insurance.
The second type of loan for the purchase of a vehicle provides for CASCO insurance coverage. But rates for customers are reduced. Borrowers can buy a car at 10.9% per annum. Lending terms under the Avtopartner program are also individual for each borrower. The rate becomes known after filing an application with the bank.
An important point when buying a car on credit is the provision of documents on the acquired property. When applying, a client’s driver’s license, passport and income information are required. Not all cars can be purchased under the car loan program. It is necessary to check with the manager about the possibility to buy a vehicle using borrowed funds of Uralsib Bank before concluding a deal with the car seller.
According to reviews, an alternative to acquiring a car with a car loan is a regular consumer loan. It is distinguished by the lack of purpose. That is, the client can spend borrowed funds for any purpose. The program also does not require compulsory insurance. The presence of insurance affects the interest rate, so customers are willing to connect a protection program.
The interest rate on loans of Uralsib Bank is also set only after applying for a loan. If the borrower is not satisfied with the conditions, he may refuse to issue a consumer loan.
Information on refinancing at Uralsib Bank
Refinancing is gaining popularity in all Russian banks, and Uralsib is no exception. The service allows you to improve the conditions on mortgages and consumer loans by concluding an agreement with the recalculation of interest and payment of debt to the previous creditor.
Reviews on refinancing Uralsib Bank are of interest to everyone who wants to reduce the overpayment. You can get borrowed funds only after providing information about the availability of a valid loan at another financial institution.
The client must receive refinancing certificates from the lender within 1-2 days before submitting an application to Uralsib Bank. A month after the issuance of certificates lose their relevance, as interest is accrued on the balance of funds. Feedback on refinancing loans from other banks of Uralsib Bank is positive. Customers are pleased with the opportunity to receive funds to repay loans of other banks at 11.4%.
But rates are not the lowest. Some banks in Russia offer to get a loan at 9.9% per annum or less. In addition, interest rates are set individually for each borrower. This means that customers can receive borrowed funds at 12.5% per annum or more.
Refinancing of Uralsib Bank loans is impossible without obtaining documents. Customers do not always respond positively about receiving certificates for services at another bank. The reason for the negative statements on the network is the collection of fees for providing information. This was expressed by those who wanted to receive refinancing on a loan from Uralsib Bank in another credit institution.
Having applied for documents at the Uralsib office, borrowers were faced with the need to pay 500 rubles or more to the cash desk so that the employees would generate a certificate within 24 hours. Otherwise, customers had to wait 30 days to receive the necessary documents without payment. But at such times, an advantageous offer from another lender could lose its relevance, and clients had to postpone actions related to the change of financial organization for a month.
Commercial Bank Deposits
Without deposits, a bank cannot provide citizens with financial resources. Therefore, the financial well-being of the lender depends on their volume. The deposits of Uralsib Bank allow customers to accumulate on the target for several months with pleasant bonuses from the bank.
The company offers 16 types of deposits for Uralsib customers. Detailed information on some of them is presented in the table.
| Deposit Name | , % | , |
| " " | 8 | 100 000 |
| "" | 7,28 | 1,000 |
| "" | 6,15 | 1,000 |
| "" | 5,82 | 1,000 |
| " " | 6,81 | 1,000 |
| " " | 9.0 | 150,000 |
| " " | 6.0 | 1,000 |
| "-" | 7,28 | 100 000 |
| "-" | 7,52 | 100 000 |
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Online account opening takes no more than 5 minutes. If necessary, the client can print a copy of the document at any of the branches of a commercial bank or order by e-mail using the support service specialists. The service is provided free of charge.
Online Services at Uralsib Bank
More than 98% of operations and services are available in the online services of Uralsib Bank. On the official website of a commercial bank, customers can transfer funds from card to card, pay for services and cellular communications, and learn exchange rates of precious metals. The site and online services work around the clock, giving customers the opportunity to be serviced 7 days a week.
In 2018, the Uralsib application entered the TOP-10 of the most effective Internet banks. The Bank is one of the 3 cheapest online services for individuals and legal entities. Therefore, it is popular.
According to reviews of the work of Uralsib Bank in the field of Internet services for customers, it follows that the services are convenient. As well as reliability and stylish design. Internet banking for individuals is a free service. Tariffs for individual entrepreneurs and legal entities are among the lowest in Russia.
Branches and ATMs of a financial organization
Uralsib does not set the main goal of its activity as customer service in offices, focusing on the remote connection of services and the provision of services. Therefore, there are currently only 6 branches of the company, they are located in the following cities:
- St. Petersburg;
- Stavropol
- Krasnodar;
- Ufa
- Novosibirsk;
- Yekaterinburg
The main branch is located in Moscow. An additional head office is located in Ufa. According to reviews of Uralsib Bank, 274 points of sale operate in Russia. Here, customers can arrange deposits, consumer loans, open a bank card account.
The branch network has 1,488 ATMs and 528 terminals. The partner of Uralsib Bank in the field of remote servicing is ATLAS, the ATMs of which are part of the Uralsib Group.
Service Reviews
Service in the bank's branches in 7 out of 10 cases satisfies the needs of citizens. This is proved by their numerous comments. The customer reviews of Uralsib Bank said that among the shortcomings, visitors noted the low speed of work, the availability of paid certificates on credit products and the insufficient number of employees in the branch.
But customers also note positive aspects: a comfortable office in the city, the competence of employees and an individual approach to solving problems. A distinctive feature of the Uralsib Bank service is considered to be involvement in the essence of the problem: employees do not always solve it quickly, but they are 100% oriented towards customer satisfaction.