"NS Bank": customer reviews, services, features and interest rates

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Commercial banking organization "NS Bank" was founded in 1994 and has a general license from the Bank of Russia. This financial institution is a member of the mandatory deposit insurance systems, is included in the Register of banks and other credit organizations that have the right to issue bank guarantees for payment of customs duties. This bank is accredited by AHML as a mortgage provider. It is a universal financial and credit institution that provides a full combination of modern banking services.

The Bank has established itself as a fairly efficient financial and credit institution and was awarded the Financial Olympus award in the Reliability and Growth Dynamics Leader nomination, as well as the Banking International Prize in the Dynamically Developing Bank nomination. At the end of the article, we will take a closer look at the reviews about NS Bank.

Which cities have bank offices?

This institution strives to bring sales offices as close as possible to customers. For todayCurrently, the network consists of the Central Office, 29 sales offices, 14 additional offices in Moscow, as well as branches and offices in St. Petersburg, Veliky Novgorod, Nizhny Novgorod, Ivanovo, Tula, Dmitrov, Serpukhov, Krasnogorsk, Khimki.

The ATM network is 50 devices, which, according to reviews of NS Bank, is very convenient. The number of employees is 570 people.

Goals and objectives

NS Bank is a very specific financial institution. This is not just about customer service. The specialists of this institution help people find the best financial instruments to implement their plans. In addition, it is very important that each employee of the company at his workplace implement those solutions that are the most optimal for specific customers and beneficial for the bank.

Only in this case, qualitatively new opportunities will be created for partners and clients, for investors and shareholders, for the Bank's employees. The mission clearly defines that the needs, tasks and goals of clients act as the basis for all activities of NS Bank.

Principles

The main principles of this banking institution can be called:

1. Reliability. This company is responsible to its customers, shareholders and employees. The well-being of thousands of people depends on its stability. Realizing this responsibility, NS Bank assumes additional requirements to reduce risks.
2. Customer focus. The main task of the bank is to ensure thatCommunication with employees caused extremely positive emotions in customers. This is how NS Bank understands customer focus, which is considered the main principle of interaction with a client, starting from his initial visit to the office. The company's specialists explain in advance all the details of each offer, so that all the conditions are convenient and understandable for the client.
3. Professionalism. The Bank strives to ensure that every employee who contacts the client acts as a "professional consultant" and can not only answer the client's questions, but also determine the real need of the client, offering the best solutions.

Activities

This financial institution acts as:

1. Authorized Bank of the Government of Moscow.
2. E-Tenderer.
3. Member of the Deposit Insurance System.

This bank is included in the Register of banks and other credit institutions that have the right to provide bank guarantees to pay customs duties. This organization is mainly active in the field of mortgage lending, through cooperation with such developers as MGSN, BEST Consulting, SU-155, Invest Estate and many others.

The total number of corporate clients of the institution exceeds 3200 organizations, most of which belong to the financial, construction and service economic sectors. Corporate loans account for 95% of this bank's loan portfolio.

Balance structure

The balance of "NS Bank" is:

• assets: loan portfolio - 56%, securities - 26%;
• liabilities: in the form of deposits of private clients - 46%, accounts of corporate clients - 41%.

The following types of services are provided in the bank:

• currency exchange;
• providing loans to businesses and accounting for commercial bills;
• savings;
• storage of valuables;
• settlement and cash transactions.

Customer Services:

• broker service;
• trust management of the client's financial assets;
• REPO transactions;
• accounting, storage and transfer of securities.

Corporate bank cards are, to a certain extent, an element of prestige and image, evidence of the financial well-being and reliability of the bank.

"NS Bank" offers plastic corporate VISA cards that allow you to pay in a non-cash form:

• household expenses (office supplies, stationery, etc.);
• travel expenses (hotel, tickets, meals, etc.);
• hospitality (gifts, restaurant, etc.);
• overhead costs (subscription to magazines and newspapers, purchase of literature, etc.).

You can receive money directly at ATMs of the bank and at ATMs of other banking organizations around the world. Numerous positive reviews about NS Bank testify to the convenience of using plastic cards abroad.

Currency exchange

Such operations are actions to manage and organize monetary relations that arise when moving securities in a currency and the currency itself. Currency transactions are often associated with cash payments (transfer, settlements, etc.) and with the movement of capital (credit, leasing, etc.). According to reviews, currency exchange at NS Bank can be completed as soon as possible. The movement of foreign exchange capital means the investment of foreign currency by investors in objects of entrepreneurial activity in order to make a profit.

Savings and interest rates

Giving loans to any bank is a very profitable undertaking. These are primarily savings deposits accepted by banks at interest. Reviews on deposits in NS Bank confirm that the financial institution also performs an important function for society - it stimulates credit intermediation, carried out through redistribution.

The following are the names of the deposits that are available in this organization and the interest rates on them:

1. "Maximum comfort" - interest rate - 6.5%.
2. "Reliable" - under 6, 75%.
3. "Triple Effect" - 2.5%.
4. "Currency Horizon" - 3.5%.
5. "Investment" - 8%.
6. "Pensionary" - 7, 45%.
7. "Savers" - 7, 35%.
8. "Convenient" (interest on the account) - up to 7, 25%.
9. "Convenient" (interest on the card) - up to 7, 45%.

Storage of valuables

Back inIn the Middle Ages, they began to practice the storage of securities, gold and other valuables in reliable bank vaults. In a commercial organization, safekeeping is handled by safe deposit box rental departments, where customers' valuables are locked up until they need access to such property. Reviews about "NS Bank" and specifically this service can be found on the Internet in abundance.

Cash transactions

This is a procedure for the introduction of accounts of individuals and legal entities, as well as the implementation of settlements on behalf. "NS Bank" is interested in attracting legal entities for such services. This is due to the fact that the funds in bank accounts are funds attracted by the bank, in accordance with the amount of which the entrepreneurial activity of this organization is built.

Since contacts with the bank for such services are regular, it means that, depending on the quality of the bank's activities, customers decide whether it is advisable to cooperate with this organization in the future or not. In addition, a decision is made on the forms of this cooperation, the degree of validity of the tariffs for services set by the bank.

"NS Bank" provides qualified management of client assets in the financial markets, and also offers clients the opportunity to work independently in the securities market.

Mortgage from the bank

This year the bank offers several mortgage programs for up to 25 years. Maximum interest rate formortgage loan is 13%, the minimum is 3%. According to reviews of the NS Bank mortgage, some of these programs involve compulsory insurance, as well as a down payment - either for any convenient amount, or in the amount of 20% of the loan amount. It depends on the type of mortgage, as well as on individual lending conditions in each case.

Employee reviews

Feedback from NS Bank employees who work in this financial institution was divided into positive and negative. Many employees note that the bank has a very good, friendly team, mutual assistance and support are welcome. As for the bosses, there are reports that people are promised one thing when they get a job, but in reality they get something completely different - regarding wages.

Reviews of NS Bank employees in Moscow confirm that during the interview they promised a fixed income, but it turned out that earnings are fixed and bonus parts, the second of which depends on many factors. The bonus part is signed rather abstractly and, according to employees, you can say goodbye to the main part right away. The work schedule here is strict.

Customer Reviews

Most customers complain about this bank. Negative feedback from NS Bank customers confirms that there are rather incomprehensible lending conditions, including mortgages. In addition, this financial institution is not very popular, such as Sberbank, which is why many people do not trust thisorganizations and do not want to use its services. Those who are still clients of NS Bank also note disadvantages in service - poorly trained employees and long waiting times when visiting an institution.