“Russlavbank” reviews in most cases are positive, since the financial institution in the entire history of its existence has always fulfilled its obligations. He began providing financial services at a professional level in 1990. Today, AKB is engaged not only in financial, but also in partnership activities, has a fairly wide correspondent network. Customers throughout Russia enjoy high quality service and feel comfortable. The Bank is actively working and expanding its activities, offering a wide range of both banking operations and a variety of services.
Impeccable reputation
Russlavbank, reviews of which attract attention, has an impeccable reputation. The financial institution employs the best specialists in their field, who are at any time ready to provide each client with help and professional advice. For all questions related to lending and banking services, people get comprehensive answers. Words of gratitude to the staff repeatedly sounded from the lips of satisfied customers. The financial institution will pay great attention to charity. Material support is provided to shelters and orphanages. Bank shares (92%) are the property of Abdulkerimov Abdulzhelil Makhmudovich, who is included in the list of the richest bankers of the country. In 1999, Russlavbank, which has negative reviews, developed the CONTACT money transfer system, which today occupies a leading position in the Russian financial market. Covering neighboring countries, it has received socially significant status. According to the latest annual report, the assets of the financial institution amounted to 34,050,642 rubles, capitalization equaled 5,212,776 rubles, the loan portfolio amounted to 645,300 rubles, and the amount of deposits - 9,736,085 rubles.
High level of work
Russlavbank, reviews of which are more often positive than negative, is one of the oldest participants in the domestic financial market. The main specialization of the institution is servicing individuals, both residents and non-residents, private entrepreneurs and representatives of small and medium-sized businesses. The activities of the battery are carried out in accordance with the general license of the Bank of Russia dated April 28, 2012. By the beginning of 2015, the bank structure already included 6 branches, 111 offices in 76 cities, one main representative office, 45 internal divisions. These are 34 additional offices, 7 credit and cash centers, 4 operational cash desks and three operational offices.
The credit rating of the bank is "B ++". Credit rating at “BBB +” with a positive outlook. The financial stability rating is “E +”, and the rating of deposits in both rubles and foreign currency corresponds to category “B3”. The forecast from the international rating agency Moody's Investors Service remains stably positive. The official assessment of the Central Bank says that the bank is reliable. It is worth adding here that despite the crisis, the financial institution does not experience difficulties in fulfilling its obligations. In 2014-2015, when many financial institutions stopped paying deposits and began to apply for refinancing to the Central Bank of the Russian Federation, Russlavbank, whose customer reviews are very positive in connection with this fact, continues to not only accept deposits, but also regularly pays for them interest, and after the expiration of the contract returns to investors their funds. Moreover, the financial institution is a member of the deposit insurance system.
Customers are satisfied with a wide range of services.
At the moment, the financial institution offers its customers a huge number of services. Among the offers there are both standard domestic products and those adopted from international practice. It is worth saying about retail and corporate lending. Private individuals can apply for a loan of 600 thousand rubles for an hour for up to 5 years. According to customers, a minimum package of documents is required, and the presence of guarantors is not mandatory.
The emphasis is often placed on the most simplified scheme of cooperation. The bank accepts deposits and provides the ability to manage their accounts remotely. Using the Contact system, you can independently process money transfers and make payments. The lack of the need to stand in line for hours pleases many. Open depositary operations and various operations with bank cards. Warranty and documentary transactions are carried out. Among non-standard offers, it is worth noting the professional servicing of passports of export or import contracts. The quality of service was evaluated not only by individuals and legal entities, but also domestic and foreign correspondent banks, which number more than 600. The numerous number of customers and partners not only in Russia but also abroad confirms the veracity of positive reviews, transferring them from the advertising section to recommendations section. Positive reviews often talk about a very attractive loan refinancing program .
Interesting programs for cardholders
JSCB “Russlavbank”, reviews of which are inclined to cooperation, offers not only plastic cards, but also their quick service. Currently, three types of products are available under the bank’s program:
- Income card.
- GOLD income card.
- Credit card.
The most attractive, according to customers of a financial institution, is a revenue card. Russlavbank, reviews of which are positive in connection with this product, offers a unique depository program to its owners. The balance of personal funds in the account, regardless of their number, accrues a percentage of 15%. It is very easy to issue a card at any bank branch. Release is carried out on the day of treatment. The card is equipped with a chip, which ensures complete security of payments. Pleasantly pleased many with the presence of 3D-Secure technology. Pleasant feedback from the owners of the product sounds regarding the fact that you can withdraw funds not only in Russia but also abroad. People were surprised at the fact that commissions for cashless payments in stores are not withdrawn. Cardholders talk about a pleasant and profitable supplement as a 20% discount on the MasterCard Favorites program. Separately, one can say about a credit card with a replenished limit of up to 500,000 rubles. The grace period without interest is 57 days. Using the product is very convenient. Savings are ensured by the free annual service of a credit card.
Instant card service: the bank understands that time is money
Bank Russlavbank, reviews of which are very rarely found with a negative connotation, has always been distinguished by its competitors with fast and professional account service. Customers have never expressed complaints about the lack of the ability to withdraw money from an ATM or replenish a card account. All operations are performed as quickly as possible, no delays, delays or collapses. People never complained about frustrated plans as a result of lengthy payment processing. The reason for this professional conduct of business was in 2014, its own precession center, which easily handles the entire range of emissions and settlement operations.
VISA and MasterCard cards, including chip and prepaid, are serviced with maximum efficiency. At the moment, the processing center can perform about 50 operations per second. After connecting the processing center at the end of June to the OPC system, customers gained access to 28 thousand ATMs. According to cardholders, using them is a pleasure. Withdraw cash and pay payments today can be in any area of the capital. The Russlavbank revenue card, reviews of which have always been positive, will become even more popular in the near future. This is due to the fact that the financial institution does not cease to negotiate with partner banks regarding integration into international payment systems. The work is aimed at providing high quality service and minimizing costs.
What do depositors say about deposits?
Russlavbank offers a variety of deposits. The product line is simplified to the maximum. Clients do not have to make a difficult choice between high interest rates and soft partnership conditions. Today, there are three options to choose from:
- The program "Golden Mill". The interest on the deposit can be up to 15.5%. The maximum income for ruble deposits is provided. The combustion of interest is not provided.
- The program "All the pros." Deposit can be issued at 12.35%. The deposit currency can be either national or euro or dollars. Capitalization of interest is provided. Partial withdrawal and expenditure of funds without loss of accrued interest is allowed.
- The “Super Deposit” program for deposits in euros or dollars.
The bank's customers, evaluating the financial offers available on the market, agree with the fact that Russlavbank offers deposits in foreign currency and in rubles on the most favorable terms. Compared to the products that were called the most profitable and which Russlavbank only offered a few years ago (special deposit), the new products turned out to be even more profitable and convenient. However, in a crisis, this parameter is not the main one. Due to the bankruptcy and restructuring of such giants of the domestic market as “Financial Initiative” and “Finance and Credit”, investors began to actively withdraw their money, turning a blind eye to the loss of interest. What was their surprise when the bank unconditionally paid the bills. The most interesting thing is that the massive outflow of funds at the end of 2014 and at the beginning of 2015 did not cause liquidity problems.
2014 Collapse
In 2014, people began to walk around in the company about what could soon turn into a bankrupt and the well-known Russlavbank in the country. The revocation of the license that many financial institutions of the country encountered did not have a place, moreover, the issue was not even discussed in this vein. The thing is that it was in the spring of 2014 that the Ministry of Internal Affairs conducted an investigation about "illegal banking activities." Not only Russlavbank was searched, the reviews of employees about which were always impeccable, but also an organization such as Finprombank and some travel agencies. The suspect in the case was Alexander Mironov, who holds the post of vice president. According to law enforcement agencies, seven people were accused of illegally withdrawing funds and withdrawing funds through private one-day companies. Preliminary data indicated that 2.5 billion rubles passed through hands each month. Withdrawal of cash cost 3.5% of the amount, and transit cost 0.3%. Excessive attention to the bank has caused concern among depositors. In fact, it turned out that Russlavbank (it offers deposits for individuals as convenient as possible today) had nothing to do with fraudulent activities. The management of the bank provided full assistance, including all requested documents. There are no claims to the financial institution by the Ministry of Internal Affairs. The current situation is unpleasant, but does not leave an imprint on the fulfillment by a financial institution of obligations to customers. The bank both worked and is operating normally.
CONTACT - an innovation for customers
As mentioned above, Russlavbank, whose credit ratings are only positive, launched the CONTACT service in 1999. This technology has allowed customers of a financial institution to make transfers between individuals. The structure is based on correspondent relations between partner banks of the program. The translation is carried out according to a simplified scheme, which was repeatedly mentioned by satisfied customers in the responses. Opening a specialized account is not required. The main users of the service are seasonal workers and students, expats and tourists who do not have open accounts in Russia. People who had to deal with the need to urgently send or receive money are very pleased with the system. Systematically expanding the network of correspondent banks. Already, 73 countries are participating in the program. Representatives of CONTACT are at least 900 Russian and international banks. An extensive network of customer service points , which has more than 400,000 points in 160 countries, explains the positive feedback about the service and the convenience of using its services. The system was a laureate in the category “Consumer Rights and Quality of Service-2014” and took first place in the “Brand No. 1 in Russia” competition from 2011 to 2013.
Minor oversights when working with the CONTACT system
As in any computer program, in the CONTACT system, its users had to face a number of inconveniences. This left a certain negative imprint on the reputation of Russlavbank Bank, the reviews on loans and deposits of which in most cases are positive. User indignation was due to the system freezing in the early stages of its operation. It so happened that when it became necessary to send funds, the functional turned out to be completely inoperative. As the payment system developed and improved, mistakes were eliminated and discontent became less. However, there are single cases that attract attention. So, according to one of the bank's customers, when sending a transfer to America, it was never delivered to the recipient. After a long delay in time, the problem did not resolve, and the funds had to be returned to the sender. But the most interesting thing is that after a long conversation with the support service, the refund was carried out outside the regulations. Instead of the promised five days, the transfer was returned for several weeks. According to statistics, in 95% of situations, Russlavbank has positive customer reviews, and such a collapse is more an exception to the rule than a regularity. More positive feedback sounds about the design of translations, which takes a minimum of time and is as simple as possible.
To summarize: does the bank deserve trust?
Summing up and looking at the situation in the country's banking sector, we can say that Russlavbank does not have significant shortcomings. Reviews (Banks. Ru) are both negative and positive. Gratitude and eulogies are much more than indignation. You can come across descriptions of unpleasant situations that the support service instantly responds to. The solution to the question may be delayed, but the result does not change. Pleasant consultants and a manager live and by telephone answer all questions, try to help clients with all available means. Despite the problems of domestic banks related to liquidity, Russlavbank continues to actively work and develop. Deposits are paid, there are no complaints from investors. Against the background of general losses, the situation can be called a big advantage. The only thing worth paying attention to is spam mailings in the format of SMS messages. There are a huge number of complaints on this issue. According to the bank’s customers, a notification regarding loan approval is systematically sent to the phone with a request to contact the department and apply for a loan. After a person, throwing all the things, comes to the office, he gets a refusal. The situation has been repeating for a long time. Requests to remove the number from the SMS mailing list are not considered, the problem is not solved. Bank customers also warn that you need to carefully read the agreements for this category of loans. Interest on them is not always beneficial. By being vigilant, conflicts can be avoided in the future. If this deficiency is eliminated, cooperation with a financial institution will bring customers only one pleasure.