Today, the country's economy, and banking in particular, are going through hard times. Not only fierce competition, but also state supervision force banks to work in the “right” direction. But a simple potential client is not easier - he needs to make his choice in a huge variety of financial organizations.
From the 90s to the present
For many residents of the Ural region, the name "VUZ-Bank" is known firsthand. Back in 1991, several universities in Yekaterinburg, including SINH (Sverdlovsk Institute of National Economy), credit organizations and enterprises participated in the organization of "VUZ-Bank". Initially, the bank, in addition to the standard service of enterprises, was engaged in lending to special programs of universities of the Ural Federal District. After 12 years, the controlling stake in the bank became wholly owned by the Life financial group. "VUZ-Bank" (Yekaterinburg, Tyumen and some other cities of the Urals) began to provide various services to both individuals and corporate clients. A separate niche was occupied by small and medium-sized businesses.
The modern VUZ-Bank operates under the management of the Ural Bank for Reconstruction and Development.
License
Recently, many of the banks are faced with the issue of termination of activities in connection with bankruptcy. In this regard, such rumors often began to circulate about banks, which in fact have nothing to do with this situation. This problem was not bypassed by VUZ-Bank. His license (1557), issued by the Central Bank of Russia, is valid. In 2015, when the license was revoked from the parent bank (Probusinessbank) of the Life financial group, many customers were worried that VUZ-Bank was waiting for a similar fate. Tyumen was worried no less than other cities. But the credit organization was saved by reorganization. The insurance and deposits agency selected Ural Bank for Reconstruction and Development as a sanatorium from several applications of financial institutions.
Basic services for individuals
VUZ-Bank provides a wide range of standard banking services for private clients. These are loans and deposits, credit and debit cards, various payments (utilities, tuition, fines, etc.) and the possibility of transfers without opening an account, a mobile bank and a call center.
But besides all this list of services there are also individual additional options. So, the photo payment service allows you to quickly pay a paper bill without making any details. And Life Wallet is an opportunity to make payments directly from home, by analogy with the Yandex.Money service.
"VUZ-Bank" (Tyumen, Surgut, Nizhnevartovsk and all other cities where the bank operates) offers insurance services: life, health (including abroad), at home, etc.
Basic services for legal entities provided by VUZ-Bank
Tyumen is not the city with the largest number of offices, but this does not lose its significance and offers various organizations a wide selection of banking services. In addition to settlement and cash services, loans and overdrafts, deposits and bank guarantees, small and medium-sized businesses in the Urals region can use a salary project and a corporate card, and connect retail or mobile acquiring.
In addition, if desired, a legal entity can join the Club Business and receive additional service options. The club will help to acquire new business contacts and get advice from specialists in the field of HR, jurisprudence and taxation.
Depending on the field of activity, organizations may offer an individual work scheme. For startups, this is one set of services, for trading companies - another, for manufacturers - the third.
Credits of VUZ-Bank
The most popular type for a long time remains the consumer loan "People's". The amount can be issued from 5 thousand to 1 million in rubles for a period of up to 7 years with the possibility of early repayment. The age of the borrower must be at least 20 and not more than 80 years. Up to 200 thousand rubles, you can get a loan in just two documents. Such conditions are offered to its private customers by VUZ-Bank. You can apply for a loan by phone, online or in person at a bank branch.
There is a special offer for pensioners with a maximum amount of 600 thousand rubles. At the same time, all family incomes are taken into account to calculate the amount.
For business, "VUZ-Bank" offers express loans for up to 5 years. The maximum amount is calculated individually, but cannot exceed 5 million rubles.
In addition to a standard loan, an organization can use overdraft - short-term lending to a current account of up to 2 million rubles. Refunds are made by automatically debiting amounts from the client’s account. If the loan amount is less than 0.5 million rubles, no collateral is required.
VUZ-Bank: deposits
For private customers, VUZ-Bank offers to arrange three main types of deposits:
- "Convenient" - with a long term (4 years) and interest capitalization.
- "Cumulative" - with the possibility of replenishment and a maximum interest rate (9.5%).
- "Mobile" - with the possibility of partial withdrawal of funds without loss of interest and a minimum initial amount - from 1000 rubles.
All deposits provide for the placement of funds both in rubles, and in euros and dollars.
The bank also developed a package proposal consisting of one type of deposit, SMS informing (on interest accrual, write-offs on deposits, etc.), issuing a certificate on the availability of an account and cashless payments (in the amount of 12 pcs.).
Organizations can apply for a deposit in the amount of 100 thousand rubles at VUZ Bank. for a period of 1.5 years with a rate of up to 1.4%.
The participation of VUZ-Bank in the social life of the region
Of course, the bank is not a charitable organization, but nevertheless takes part in the social life of its region. "VUZ-Bank" (Yekaterinburg) with one of the universities developed a certain educational program. She became additional to the main one. The training was aimed at personal financial counseling. Everything happened directly at the bank’s office, and the practical part of the students was helped by the specialists of the VUZ-Bank.
Reviews
Reviews about the bank can be heard from friends or gleaned on the vast expanses of various resources. Of course, it is difficult to get a clear and correct opinion on someone’s dissatisfaction (perhaps not entirely justified) or, on the contrary, admiration, until he is faced with a specific situation.
About “VUZ-Bank” all the reviews can conditionally share the opinions of the time when the bank was part of the Life Financial Group, and after the break-up of the group. If we talk about legal entities, then, judging by the reviews, the bank arranged most of them before reorganization. In 2016, reviews of organizations became more often negative. Some complain about the poor performance of Internet banking, while others complain about the insufficiently fast service of corporate cards. Perhaps such problems are connected with the fact that the programs are not yet completely redone for new work.
There are still some problems that are mentioned by reviews about VUZ-Bank. The phone often does not answer, the percentages are very high, they didn’t explain anything, etc. These comments refer to the time when the bank still belonged to Life Financial Group. The explanation of such reviews is also quite simple to find - often the client himself did not understand something or got into the rush hour (therefore he did not get through).
Of course, there are plenty of positive reviews. Attitude to clients as relatives, competent counseling, quick approval of a loan - such reviews can be found in large numbers not only on the Internet, but also personally from your own friends.
Contacts
Banks that comply with the law continue to work and develop. Someone even increases the number of their branches. VUZ-Bank is not behind the rest. The addresses of his offices can be easily found on the bank's website and simply on the Internet. Branches are located in large and small cities of Sverdlovsk, Tyumen, Chelyabinsk regions, Khanty-Mansi Autonomous Okrug. In some settlements there are several branches.
For example, "VUZ-Bank" (Tyumen) serves legal entities in the office of "Tyumen" on the street. Herzen (d. 86a). Individuals - in the same office and on the street. Permyakova (d. 50b) in the "Solar". But most of the branches are in Yekaterinburg, there are 10 of them. Work with clients continues mainly until 19:00, but there are branches working until a later time - until nine in the evening (in the City Center shopping center on Lenin Avenue) . The bank has a round-the-clock call center; each of the 29 cities of presence has its own telephone number.
No matter who the owner of VUZ-Bank, as its 25-year history shows, he continues to work properly, helping private and corporate clients to develop and achieve their goals.