Bank "Soyuz": customer reviews, maintenance, services and interest rates

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

This financial organization was founded in 1993, at that time it was established in the form of a joint-stock commercial bank "Alina Moscow". However, in 1999, the bank was acquired by one of the largest insurance companies in the country, Ingosstrakh, in connection with which the institution was renamed Ingosstrakh-Soyuz, a commercial joint-stock bank. In 2003, it included other commercial organizations - these are Sibregion Bank, Avtovazbank and the People's Savings Bank. Customer reviews of Soyuz Bank are presented at the end of the article.

In the future, the financial institution was given the name Soyuz Bank OJSC. Today, the main owner of the bank is the insurance company Ingosstrakh, which owns 95.86% of the bank's shares.

Sometimes, in customer reviews of Soyuz Bank, it is noted that this is not the largest financial institution in Russia. However, at the moment it has 36 territorial divisions, which are located in different parts of the country, inincluding some large cultural and industrial cities such as Tyumen, Novosibirsk, Rostov-on-Don, Moscow, Krasnoyarsk, Nizhny Novgorod, Samara and others.

The main specialization is the provision of retail financial services to private and corporate clients, medium and small businesses.

There are all categories of clients in the bank's client base. Bank Soyuz offers a variety of products. Priority areas of activity are working with various business sectors, as well as providing services to special clients. For legal entities, there is a wide range of standard financial products, a large number of banking operations. Soyuz Bank offers private clients loans, deposits, money transfers, plastic cards, Internet banking.

A network of Soyuz Bank branches has been developed, which is represented by 36 branches in various cities of Russia. Service is carried out today by about 1300 specialists. It can be noted that this financial institution has a large number of its own ATMs - these are 217 devices for operations with bank plastic cards.

Financials

In the Russian rating of banks in terms of financial indicators, Soyuz Bank ranks 77th. Its authorized capital in total is more than 80 billion rubles. The loan portfolio is approximately 30 billion rubles. The total amount on deposits of individuals is about 27 billion rubles.

If we talk about reliability, then Russian rating agencies give this bankrating "BBB-". According to the international and national scale, she characterizes the bank as quite stable and reliable. And this means that the financial institution has good financial capabilities, it is very stable in the current market positions, but it has a low indicator of efficiency and capitalization. The rating of the banking organization was affected by the 2008 crisis, when the organization was on the verge of losing its license, but thanks to effective measures from the Central Bank, it was able to quickly get out of a difficult situation. It should be noted that the company's financial performance was bounced back in just a couple of months.

Official website of the bank

There is an official website of Soyuz Bank on the Internet, which provides comprehensive information about its services and products for corporate clients, individuals, representatives of small and medium businesses, financial organizations. Briefly speaking about the products and services of this institution, it offers a wide range of different programs for legal entities and private clients. Individuals can open a deposit here, get a loan, including a mortgage, and issue a plastic card. Corporate clients get the opportunity to open an overdraft, an account, use bank guarantees, open a salary project, etc. The interface of the official website of this bank is clear even to not the most active Internet users. Numerous customer reviews of Soyuz Bank in Moscow and other cities confirm this.

In addition, the company's customers receivethe possibility of using Internet banking, but it is available exclusively to plastic card holders.

Bank offices

Today, the bank has many offices in various cities of Russia, including Rostov-on-Don, St. Petersburg, Irkutsk, Tyumen, Nizhny Novgorod, Chelyabinsk, Sochi, Moscow. Bank Soyuz serves customers only in the territory where its divisions are located. A complete list of cities in which there are offices of the institution can be found on the website.

Addresses of Soyuz Bank branches in Moscow and other cities will not be difficult to find: just go to the official website in the appropriate section. If the client has questions related to the services and products of this financial institution, he can use the hotline, a call to which is free for all regions of the country. In addition, there are other phone numbers, such as technical support and help desk. Operators can perform some operations. For example, according to reviews about Soyuz Bank in Yekaterinburg, customers get the opportunity to block a plastic card or activate it, clarify information about products, services, loan debt, etc. remotely.

However, it should be borne in mind that call-center employees cannot make financial transactions, especially in cases where a signature is required on documents or the client's personal presence.

Partners

Judging by the reviews of "Soyuz Bank" in Kirov,many cardholders of the organization are interested in the question: where can I withdraw money without a commission? Here it is immediately worth pointing out that this bank does not have such partners. Therefore, cardholders can only use the devices of this financial institution, otherwise they will need to pay a fee.

Bank services

Types of banking services for individuals:

• contributions;
• mortgages and car loans;
• consumer lending;
• investment and insurance programs;
• bank cards;
• currency exchange;
• remote service.

Types of services provided to legal entities:

• leasing and factoring;
• RKO;
• corporate finance;
• broker service;
• acquiring.

Consumer loans

Consumer loans of this financial institution are represented by the following products:

1. "Wide opportunities" - up to 1.5 million rubles, interest rate from 15.5%, and term - up to 84 months.
2. "Shared values" (exclusively for clients): maximum amount - up to 3 million rubles, interest rate - from 12.5% for up to 7 years.
3. Customers are also offered a loan with an increased benefit "Your Rules" with an interest rate of 14.5% and a maximum possible amount of 1.5 million rubles. The maximum loan term is 7 years.

Reviews about Soyuz Bank in Moscow are contradictory, since loans are calculated asusually for we althy borrowers. Before borrowing money, it is recommended to correlate your desires with opportunities and solvency.

Debit credit cards

In this service area, the banking organization offers the following products:

1. The Black Edition card is a premium product for travelers. Its limit is up to 1.5 million rubles, and the interest-free period is 115 days.
2. Platinum card "My bonus" for everyday purchases, which can receive additional points up to 8% of the amount of purchases. It is also possible to receive interest on the balance of funds. A distinctive feature of this credit card is free periods.
3. A profitable card that features cashback and higher balance rates.
4. Soyuz Bank issues debit cards that operate with all payment systems.
5. Salary cards.

Mortgage lending

Bank Soyuz provides fairly favorable conditions for mortgage loans. The mortgage amount can be up to 30 million rubles, and the interest rate ranges from 8 to 13%, depending on the chosen loan program. Loan term is 25 years (maximum).

The official website of the organization has a special calculator that allows you to calculate the amount of a mortgage for an individual. If the client wants to choose the most advantageous mortgage offer: to purchase an apartment in a new building or other residential property with minimal overpayments, then it is necessaryyou should use a calculator.

Based on reviews, Soyuz Bank JSC provides low interest rates on mortgage loans, which makes it very popular among borrowers who want to buy their own housing.

To date, this bank has six programs of such lending. The amount of monthly payments largely depends on how well the mortgage is calculated and how the program is chosen correctly. Mortgage calculator in automatic mode allows you to determine:

• the amount of accrued interest for each month;
• maximum mortgage loan amount;
• monthly payments;
• the amount of the total overpayment as a percentage;
• the amount of overpayment in cash;
• the amount of payments for the entire period;
• early repayment option.

Using this information, you can get an idea about the chosen program, assess your own ability to repay the loan and pay deductions, and decide whether it is advisable to apply for a mortgage loan.

Bank Soyuz provides the following conditions for potential borrowers to obtain a mortgage:

• down payment;
• with proof of income;
• with a guarantor;
• no down payment;
• without certificates of income from the place of employment;
• personal conditions (young family or young professionals).

When applying for a mortgage, the bank can offer two waysdebt repayments: with the help of annuity or differentiated payments. The mortgage calculator specifically calculates annuity payments, since they are in high demand among the population. It is better to familiarize yourself with the mortgage reviews from Soyuz Bank in advance.

You can get a similar loan:

• for secondary housing;
• on a plot of land for development;
• for a new building;
• for the construction of a private house.

Auto loans

Car loan "Soyuz Bank" has favorable conditions. The client can purchase both a new car and a used one. The loan amount reaches a maximum of 5 million rubles. All car loan programs provide for an initial payment of 15%. The interest rate ranges from 10.7 to 13.2%. Reviews about a car loan at Soyuz Bank are mostly positive.

Contributions

Bank Soyuz provides customers with the following deposits:

1. "Maximum", the term of which in Russian currency can be extended up to 1100 days, is carried out at 5, 25-6, 75% per annum.
2. "Reliable interest" for a period of 12 months at an interest rate of 7% in rubles.
3. "Double benefit" - a deposit in rubles for a year at 7.75%.
4. "Classic" - a deposit, under the terms of which you can invest in dollars, rubles or euros for a period of 3 months. up to 3 years. The rate varies depending on the urgency of the deposit.
5. "Cumulative" - it is possible to replenish and partially withdraw funds in rubles, euros and dollars. Minimum bet -from 5.5%, term - up to 4 years.
6. "Comfortable" - provides for partial withdrawal of money and a reduced interest rate.

Now let's take a look at customer reviews of Soyuz Bank.

What do customers say in their comments?

Client feedback on Soyuz Bank loans allows us to form a final opinion about this financial institution as a reliable partner. The average service rating is 2.57 points out of 5. Although there are a lot of complaints about Soyuz Bank.

If you make a thorough study of customer reviews about Soyuz Bank, you can find that the company's employees are not always highly qualified and often unable to provide services at the highest level. Despite this, it should be noted that the organization is constantly working to improve the quality of service for its customers, respectively, persons who contact the bank and are faced with the incompetence of employees should contact the management of the institution with a complaint, to which it will respond immediately. There are also comments related to the services and products of this bank, including problems faced by customers who applied for a loan.

However, there are also positive customer reviews about Soyuz Bank, and they are mainly associated with numerous thanks to the bank's employees.

As a result, it should be noted that this financial institution is quite stable. This bank can be considered as a reliable financialpartner. It provides a wide range of services, which means that every potential client can find here a product or service that best suits his requirements. A car loan at Soyuz Bank is considered very convenient and profitable, and customer reviews confirm this.