Needless to say, there are more than 1000 banks operating in Russia, and each of them wants to offer its services to customers? Any financial institution has its own range of programs, characterized by advantages and disadvantages. But what conditions can be called really beneficial for the client? Which bank should be trusted and which not? How can I start working with? Commercial banks in the Russian banking system are presented in the widest assortment. And before choosing a financial institution, it is worth exploring the nuances.
Rating
It often seems to customers that on every square meter of the territory of one or another bank they are waiting for deception and falsehood. This is not entirely true. The best Russian commercial banks are fairly honest and operate in accordance with the law. Good financial institutions aim for long-term cooperation. Therefore, repelling a client at the first meeting is unreasonable.
And in order to make sure of all this, it is enough for a potential client to look at the rating of banks, according to reviews of people who used the corresponding services. Thus, it will be possible to choose a financial institution, the transaction with which will be really profitable.
The rating itself will be presented below. And for starters, some factual information.
Basic information
Today in Russia more than 1000 banks are registered. But not more than 100 are popular among them. Here the whole range of services is provided - from consumer lending to the conclusion of deposit agreements.
It is worth noting that among the hundreds of top financial institutions, there are also those that over the years of their work have managed to accumulate a lot of negative reviews. Therefore, turning to a particular bank, you need to weigh the pros and cons, given the numerous reviews about them.
The best banks in the field of lending
The unstable economic situation has led people to become cautious about a service such as lending. Not everyone will borrow money if there is no confidence in the future. However, there are also many who still decide to make a deal with the bank. Commercial organizations lure customers with loyal conditions and low interest rates.
The most top financial institutions in recent years to use lending services are:
- Sberbank of Russia.
- Gazprombank.
- VTB 24.
- Alfa Bank.
- "Renaissance".
- "Trust".
- Bank of Moscow.
The above Russian commercial banks offer similar lending programs. The terms of transactions with them also differ slightly.
Gazprombank or Sberbank?
It is worth saying a few words that it was Sberbank and Gazprombank that made their most successful offers in the recent past. These are loans with a rate of 14.5% per annum. But on such favorable conditions, it will be possible to conclude a transaction if the client offers a deposit or leads a guarantor. Otherwise, you will have to overpay 15% per year.
Which financial institution should I apply to? Both Gazprombank and Sberbank have been operating on the market for quite some time. They offer a huge range of additional services. But according to statistics, many still prefer to contact the commercial savings bank of the Russian Federation.
VTB 24
This financial institution fully justifies its third place. Loans are offered to customers with a rate of 17% per annum, which is also not bad. A huge advantage is the possibility of concluding a contract for a long period. Everyone can take money here for 7 years, despite the fact that the maximum loan term in many other financial institutions does not exceed 5 years.
Another advantage is the possibility of debt restructuring. The Russian commercial bank VTB24 offers programs for those who, for a number of reasons, cannot cope with their obligations.
Other financial institutions
A lot of good reviews can be heard about the Bank of Moscow. It offers a full range of related services. This Russian commercial bank in Moscow is quite popular. Although he has branches in other cities of the country.
For loan programs, rates from 18.5% per annum are offered here. Credit cards are also very popular. And every adult citizen can use the service.
Customers who have a bad credit history are trusted by Trust Bank. It offers programs with a rate of 20% per annum. This financial institution is loyal to those who have had problems with loans in the past .
Less popular, but also in demand, the Renaissance Bank. It offers loan programs with a rate of 25% per annum. The financial institutions Vostochny Express and Alfa Bank operate under the same conditions.
All of them have been working on the market for a long time, and during this time a lot of positive reviews have accumulated about them. The named banks can rightfully be called the most reliable.
Where to make a deposit?
Almost every financial institution that deals with lending also works with investors. Due to this, it is possible to form a balance. Some carry money to the bank, while others borrow.
For those who decide to enter into a deposit agreement, the leaders will remain the same. These include:
- Sberbank
- VTB 24.
- Gazprombank.
In order to make a deal, you will have to provide only a passport, while every adult citizen can make a deposit. The conditions in the listed financial institutions are practically the same. It will be possible to conclude a deal if there is an amount of more than 100,000 rubles.
Really beneficial deposit transactions can not be called. Interest rates are not too high, but keeping money in a trusted financial institution helps protect them from inflation.
You can contact less popular organizations. The best of them for concluding deposit agreements include:
- IMoneyBank. It offers deposits with an annual rate of 10.5%. It is possible to conclude a contract for one month.
- FastBank. For a deposit issued for a month, it gives 10.05% per annum.
- The Baltics. When making a short-term deposit, a rate of 10.4% is proposed. For deposits that have been in the bank for more than a year, a rate of 12% is offered.
Favorable interest on the deposit contains the last offer, which should be paid attention to. A huge advantage will also be the possibility of deposit insurance.
The worst commercial banks of the Russian Federation
To financial institutions, where people began to apply much less often, include:
- Tinkoff Credit Systems.
- "Russian standard".
These Russian commercial banks were previously very popular. However, everything changed with the onset of the economic crisis. With people who are in a difficult situation and cannot fully fulfill their obligations, financial institutions refuse to make contact. They work with debtors in a rather rude manner.
Huge interest on loans is another minus. Not happy also is the lack of deposit insurance. Not everyone will decide to sign a deposit agreement here. And he will be right - there is absolutely no guarantee that money will be returned if the bank declares itself bankrupt.
Summarize
What to do? Leaving money under the pillow? It is not advisable to go to extremes. It is worth choosing only trusted financial institutions that have existed on the market for more than one year. Where to go to a Russian commercial bank? Addresses in Moscow we can offer you.
- Sberbank Bank address: Moscow, Vavilova street, 19.
- Bank of Moscow. Branch address: Moscow, st. Sadovaya-Triumfalnaya, d. 4/10, p. 1.
- VTB24 Bank. Bank address: Moscow, Red Square, 3.
These are the most popular Russian commercial banks. In any case, before concluding a deal, you should study all the proposed conditions and read the reviews.