So, today we will find out which Touch Bank receives feedback from customers. Anyway, you need to understand what kind of organization this is. After all, some tend to suspect the company of fraud. This is quite normal taking into account the specifics of the company. But is there any reason to fear fraud? What services does Touch Bank provide to its customers? Where is this organization located? Answering all these questions is not as difficult as it seems. In the end, you will be able to decide how we are facing a conscientious organization. And if you want to even use her services.
A new word in banking
Touch Bank is an online bank. A completely new word in banking. All transactions go directly through the Internet. It is very convenient for employee-operators, and for customers. You can use the services of this company at any time. And it pleases. Only “Touch Bank” reviews earn far not the best. Many potential customers doubt the organization’s activities and its integrity. After all, the bank has no numerous branches. There is only one main office. Nevertheless, this should not cause concern. Why? Many people know "OTP Bank". He has long won the trust of the population. And Touch Bank works just under the license from this financial institution. We can say this is a kind of branch that fully functions via the Internet.
Services
What services does Touch Bank provide? It is noted that this is a real banking organization. It simply does not have multiple branches. This means that the service sector of the company is exactly the same as that of a regular bank. Here you can:
- Open contribution.
- Take a loan.
- Issue a debit card.
- Get a credit card.
- Make insurance.
All these are standard functions of the bank. The only thing that cannot be done at Touch Bank is to make a currency exchange. Not too big a problem. Indeed, if you think about it, then the most popular are loans and plastic cards. They are the ones that interest customers most often.
Control system
If Touch Bank is an online bank that really exists, then how can you get these or those services and use your finances transferred to the organization? This question is of interest to many customers. The answer is extremely simple. For him, reviews about the organization are left either positive or neutral.
The system of managing deposits and accounts in Touch Bank is implemented through Internet banking, as well as through a plastic card from this organization. You can easily and easily get “plastic” and use it like an ordinary credit card or debit card. In the meantime, this component is delivered to you by courier delivery, you can only manage accounts via the Internet. Convenient, simple and without cheating. Touch Bank receives positive reviews because you can track all transactions on the account at any time. It is very comfortable. Now you do not need to go to the bank for an account statement. It can be obtained by you at any time without outside help!
Address and Phones
Of course, if you still doubt the integrity of the organization, you can call the company's operators, as well as personally come to its office. It is worth noting immediately that he is in Moscow. This is where you have to go if you want to see the location of Touch Bank with your own eyes. On the official page of the company you can see the following legal address of the organization: Russia, Moscow, Leningradskoye Shosse, 16A, building 1. It is here that the institution is registered.
Do not forget that if necessary, you can call Touch Bank at any time. How exactly? The Touch Bank phone has the following: 8-800-5000-200. This is the organization’s hotline. For residents of Russia, the call will be absolutely free. Also, “Touch Bank" has another number that will help to quickly and easily contact the company. As practice shows, the previous combination is used for consultation. But the usual number: + 7-495-221-30-60 helps activate a bank card and solve problems with using services. Numerous reviews indicate that calling operators is not so easy. But you will definitely succeed in doing this. Above all, do not give up.
Rating and Reliability
What is the reliability rating of Touch Bank? It is he who usually reflects the whole essence of the organization. Is it possible to believe it or not? After all, customers doubt the integrity of the bank. So, the reliability rating of Touch Bank is high - A ++. And this is despite the fact that many express their indignation regarding the activities of the company. This company in 2015 was recognized as the best online banking. Upon learning this, potential customers begin to trust the company more. Why does Internet banking have such a high level of public trust? All this thanks to work under the OTP license. One of the largest banks will not support fraud! So, you can not be afraid for your finances invested in Touch Bank. This is the opinion of clients of the organization.
About loans
How to get a loan from Touch Bank? Make it easy and simple. True, judging by numerous reviews, the loan option is somewhat non-standard. Although it’s completely logical for Internet banking. Please note that all customers can use two types of loans - this is the limit on the card and the consumer option (cash). The first method is suitable for daily spending, the second - for large purchases. To take out a loan, you need a Touch Bank card. You cannot use the services without it.
What does each type of loan offer? First, consider the credit limit on the card. This money on the "plastic", which you can spend, and then return to the bank with interest. The minimum amount of funds is 1,000 rubles, the grace period for the age of money is 61 days. You can close the debt ahead of schedule at any time. If you want to withdraw cash, you will have to pay 299 rubles and an additional 4% of the amount withdrawn. How much to give for a loan? Only 5% of the amount taken and the percentage of debt per month. It’s not entirely clear how much this is, but such information is given on the official website of Touch Bank.
Consumer credit has similar conditions. You have the right to close the debt at any time, while receiving the money in cash. There is no grace period for a refund. The minimum loan amount is 10,000 rubles. Payments are set according to the schedule taking into account the main debt and interest on it. It is also not entirely clear how much you will have to give each month. For this, Touch Bank has a special calculator. It helps you quickly calculate how much you need to pay. In an extreme case, understanding the services that Touch Bank offers, a hotline will help.
Debit card
Of greatest interest is the Touch Bank card. This is a debit "plastic", which promises favorable conditions. You can absolutely free to issue a personalized card, which will allow you to quickly manage finances located in Touch Bank. True, its maintenance must be paid. Reviews indicate that you need to give 300 rubles a month. And this is even in the absence of operations with the account. A negative moment that causes dissatisfaction on the part of consumers.
Among the advantages that Touch Bank offers with its debit card, one can note a refund and a bonus program. With this “plastic” you get access to all the organization’s services (deposits, loans, Internet banking, and so on), and when spending on an account, 1% of the amount is returned. If you are talking about products from the "favorite category", get 3%. In total, about 4% of the spending is returned to the card. Very comfortably.
By the way, the Touch Bank card is single. You can get a loan with her, open a deposit, and simply use finances with a bonus program. The system of payment for purchases is based on contactless payments using PayPass technology. Touch Bank receives positive reviews for this opportunity. So far, not all banking companies have this highlight! And it’s very convenient to use.
Design and Activation
Making a Touch Bank card does not take much time. And only positive reviews are left about this process. All that is required of you is to fill in the fields provided for by the form for creating “plastic” on the organization’s official page. Here is written personal information about the owner, his passport details. Nothing special. But then the problems begin. Accordingly, reviews from positive to negative.
The thing is that not everyone can use the services of Touch Bank without any problems. Bank card delivery is provided only in some cities. There are many of them, but, for example, in St. Petersburg there is no such possibility. There are also problems with activating the card. To do this, you need to get through to Touch Bank. To do this, as the reviews indicate, is not so simple. But if you persevere, you will be able to translate the idea into reality.
conclusions
What conclusions can be drawn about a company called Touch Bank? Everyone can see the details and services of this bank on the official website. Here you can draw up a map and find out where the company is located. Familiarization with news and bonus programs is also fully embodied through the official page of the company. In a word, Touch Bank is a real bank that conducts its business via the Internet. Only customers often indicate that the bonus program with a debit card is not working. And loans and borrowings require the payment of high interest. Therefore, not everyone is ready to use Touch Bank. If you want to master contactless payments, while not so fast service doesn’t scare you, you can rely on Touch Bank.