"Platinum Bank": reviews. "Platinum Bank": how to get a loan?

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

There are quite a lot of banks in Ukraine, and each of them has its own advantages and disadvantages. One of the largest commercial banks in the market is Platinum Bank. It has been operating since 2005, at the moment it is growing and developing, attracting new customers, developing various profitable products. But since the competition is quite tough, each potential client chooses a bank not only on the basis of the terms of service, but also based on the opinions of users, that is, they read reviews. "Platinum Bank" is indeed discussed quite often, so it makes sense to find out how they respond to its activities.

Services

Currently, the bank provides a variety of lending, deposits, and credit card services. The main activities of the bank are lending to individuals and accepting deposits. It should be noted that in these areas Platinum Bank occupies a leading position in Ukraine. It is highly reliable.

A big advantage for customers is that they have a personal account on the official website of the bank, which allows them totrack the movement of funds on the account, view the dates and amounts of payments, deposit money remotely. And this is not all the opportunities that the bank provides to its customers.

But, despite the positive characteristics, high level of service quality and impeccable reputation, not all reviews of Platinum Bank, contrary to expectations, are positive. There are many testimonials from dissatisfied customers online. What is it connected with? Need to figure it out.

Cash Loan

Currently, the bank offers several loan products to customers. Among them, the client can choose the one that is most suitable, individually, according to his requirements and wishes. You can learn more about the programs and conditions on the official website or the bank's office.

This bank works only directly with clients, without intermediaries and credit brokers, so you should not pay attention to the offer if a third party promises to assist in issuing a loan for a modest fee.

Currently, cash loans are provided for up to UAH 30,000, with credit holidays. That is, the client can skip the next payment if he really needs it. And this is not all the benefits for borrowers that Platinum Bank provides. Reviews will be presented below, perhaps not everything is as good as the lender promises to customers.

Benefits of a cash loan

In fact, there are several lending programs, and each has its own characteristics, but if you combine them, you can identify several obviousbank benefits:

• provision is made for issuing a loan to pensioners;
• interest rate at the discretion of the bank, depending on the reputation of the borrower and other factors;
• payments are divided into equal parts;
• minimum package of documents;
• in case of conscientious fulfillment of obligations to the bank, the client receives long-term cooperation on the best terms.

And that's not all that can be said about the loans of Platinum Bank. Reviews confirm all these facts. Especially respectable clients resort to his services repeatedly, finding cooperation beneficial for themselves.

How to get a loan

As mentioned above, to start working with a lender, you need to apply personally to the branch or to the website of the Platinum Bank institution. How to get a cash loan and what documents to provide, you should check with the employee. After all, everything depends on many decisive factors: age, financial situation, official employment, term and amount of credit.

However, there are a number of requirements for borrowers:

• under 71;
• registration in the region where the loan is issued;
• experience at the last place of work for at least 6 months;
• holding a passport.

Depending on the candidacy of the borrower, the requirements may vary at the discretion of the bank. In most cases, to issue a small amount, it is enough to present only two documents - a passport and a TIN. No deposit or surety required.

There are several convenientways to repay a loan, for example, from a card of any bank through the Personal Account service, self-service terminals, bank cash desks and partners of the Platinum Bank institution. How to close a cash loan - there is a detailed instruction on the bank's website. It is advisable to familiarize yourself with this in advance so that there are no conflicts with employees in the future. For example, reviews about Platinum Bank can be negative for the simple reason that the client did not carefully read the terms of payment and repaid the payment late, for which he received a fine or pen alty.

Cash Loan Reviews

It's hard to say what color customer reviews are because people's opinions are mixed. Some note that the terms of lending and the attitude of employees towards borrowers are loyal, while others, on the contrary, are dissatisfied with cooperation. Still others did not notice anything special in cooperation, as well as its differences from other financial institutions.

But it should be noted separately that many users wrote about the "Credit Holidays" service, because situations are different and it is not always possible to pay off the loan, then this service becomes a real salvation. In addition, the conditions of this service are quite acceptable, because the bank does not need to explain the situation. You just need to notify employees by phone, not every bank is ready to accommodate borrowers.

Credit cards

It is far from always that a client is interested in a cash loan, mainly when planning large purchases and paying for urgent needs. But a credit card is a convenient payment instrument foreveryday use. One of the most demanded products of Platinum Bank is a credit card. Customer reviews are varied, but in general their number is constantly growing, which means that the conditions are favorable for them.

Premium Bank offers its customers the Golden Fish card. At the moment, it is the only one in the line, but it is in demand, more than 12 thousand customers actively use its services. After all, the main advantage is ease of use for paying for purchases, withdrawing cash at any convenient time.

"Platinum Bank" offers quite acceptable conditions to the client. How to apply for a credit card - you can check at the company's office, of course, you need to provide a number of documents, usually the same as for a cash loan. Under what conditions is the card issued:

• currency - hryvnia;
• card limit – 75000;
• free clearance;
• free service;
• cash withdrawal up to 10000 per day.

Payment by card is simple, just deposit 65 hryvnia for every thousand spent and use the funds further.

Deposit

Deposits is a beneficial program for owners of their own funds, it will help protect them from inflation and ill-conceived spending. But many residents believe that it is safer to keep money at home, invest in purchases, such as real estate or in foreign currency. But this is not necessary, it is enough to find a reliable partner who is not afraid to entrust your savings. To be convinced of this, it is enough to readreviews about Platinum Bank. Deposits are quite in demand among customers.

Why you should contact this financial institution:

1. A huge number of customers invest their money here. This means that they consider the bank the most reliable, and the conditions are favorable.
2. The bank has been operating in the market for a long time and cooperates with foreign partners, and has gained a positive reputation during its existence.
3. There are several different conditions for depositors, it all depends on the amount and terms, as well as the wishes of customers.
4. A deposit client of a bank can become a credit client, which guarantees fruitful and mutually beneficial cooperation in the future.

Types of deposits

Despite the fact that each state and commercial bank has a huge number of offers, customers definitely choose Platinum Bank. Customer reviews on deposits motivate and attract the attention of new depositors.

So, the conditions for deposits are quite transparent, the terms and interest rates are flexible and depend on the product chosen by the client. The minimum deposit amount is 1000 hryvnia. It is also possible to open a deposit in foreign currency, but here the conditions should be clarified at the bank branch.

It is advisable to consult with employees of a credit institution, they will help you choose an individual program for each client. After all, it is known that profit depends not so much on the offer, but on the amount of the deposit and the term in particular.

More details customer can askonly from bank employees in person. Even on the official website, the information may differ from reality. Therefore, it is wiser to personally go to the office and discuss everything in detail.

Deposit reviews

Many users admit that one of the most expensive and presentable banks in Ukraine is Platinum Bank. Customer reviews of deposits are mostly positive. The reason for this is obvious - the bank has the opportunity to pay a decent reward to its depositors.

Users noted that here you can get the highest percentage of the deposit. Many depositors come back here again in order to open a new deposit. In addition, the range of products is huge, it's hard not to make a choice.

It should be noted that there are clients in the network who noted the unreliability of this bank, and the reason for this was deposits. Perhaps it really was not the best period for the bank due to the unstable economic situation in the country. But, nevertheless, at the moment the bank's work has improved, and depositors can be sure of the reliability of their savings.

In general, it makes sense for owners of their own funds to pay attention to Platinum Bank. Feedback on deposits, at least, is positive, which means that most customers were satisfied not only with the services themselves, but also with the level of service. By the way, users also wrote about this in their comments.

Employee reviews

Employees are those users who know the organization from the inside, so their opinion cannot be ignored. So,what conditions does Platinum Bank provide as an employer? The feedback from employees, it must be said, is extremely positive, they noted that this is a responsible and respectable employer, and more than 1,000 people from all over Ukraine work in the staff of all branches.

The first thing that interests any of us is wages. Employees noted that it is paid on time in full, without delay. Not every employer can be proud of such indicators, especially considering the economic situation in the country. The level of earnings is quite competitive - this is how one of the Platinum Bank employees wrote, which once again confirms the status of a reliable and prestigious financial institution.

Working conditions are completely satisfied with workers, they meet all standards and requirements. In addition, we are pleased with the friendly team that works harmoniously, respectively, the fruits of its labor have a positive effect on the mood of customers. During the working day, of course, you have to work hard, but no one forces you to work beyond the norm.

There are other eloquent reviews. Platinum Bank has excellent management that cares about the well-being of employees, meets them halfway, helps them cope in a difficult situation, in general, is loyal to each employee, and in our time this is a rarity.

Negative feedback, of course, is, because it is quite difficult to please everyone. Probably, an employee who did not have a relationship with colleagues or management could leave a negative opinion. Or maybe it's his own faultacted dishonestly in his duties.

It is necessary, by the way, to take into account one interesting fact about the Platinum Bank. Customer reviews indicate that they had conflicts with bank employees about loans and deposits. Indeed, this takes place if one of the parties violates the terms of the contract for one reason or another, disagreements cannot be avoided. Is it worth paying attention to the comments in which the client reproaches the bank employees for the fact that he fulfills his job duties and demands to fulfill his obligations to the bank.

General opinion of customers

It's time to sum up, from which side it is more reasonable to characterize "Platinum Bank". Reviews are diverse and there are a huge number of them on the web, which makes it difficult to properly analyze them. If you carefully study them, you can draw several conclusions. The bank has a huge number of clients, this is already clear, and each of them has his own experience of cooperation, which he is happy to share.

One often sees a comment about a high interest rate on a loan. Indeed, a new client who has not yet earned trust cannot count on better conditions, and this is in any bank. In addition, the interest rate is calculated from information about the borrower himself, because in this way the bank covers its risks. And, it should be noted that there are few refusals to provide loans, this is used by many borrowers who were not issued a loan in other organizations.

It is worth paying attention to the positive reviews. "Platinum Bank" appreciates its customers, even provides credit holidays,this is quite a rarity, usually there are no such privileges in financial institutions. Many borrowers use this right, as they write about in their comments.

But there are quite fair negative comments about Platinum Bank. Customer reviews of loans indicate not always pleasant communication with bank employees about overdue debts. Indeed, in a conversation with clients, an employee of an organization should not be rude towards a client.

Pros and cons

What conclusion can be drawn from all of the above. The bank is commercial, large and reliable, it has a huge number of clients, judging by the discussions. Issues loans and arranges deposits, has advantages and disadvantages.

On loans, opinions differ greatly, someone considers the interest rate too high, others, on the contrary, note that the conditions are loyal and acceptable to the middle class of the population. After all, when applying for a loan, you need to understand that cooperation will be long, which means you need to think before signing the contract.

The bank has an approach to each client, for example, it is difficult for depositors to find great benefits for themselves in another bank, they noted this fact, which means it makes sense to pay close attention to it. In addition, given the wide range of banking products, it is difficult to remain indifferent.

This bank has many partners, this information is on the official website. This confirms his responsibility and stability. If you become a regular customer, you cancount on preferential terms for the provision of services.

There are obviously more advantages than disadvantages. The high interest rate on a cash loan is more than offset by a low percentage of refusals to provide a loan, and this is also confirmed by users. That is, when other banks refuse financial assistance, Platinum Bank helps out.

Should I go to the bank

There are really a lot of opinions about the establishment of Platinum Bank. There are both positive and negative reviews, of course, it is worth reading them, but you can’t be completely guided by them, besides, not every client gives an objective assessment of this organization.

To go to the bank or not, you will have to decide on your own, but you need to do this when it is really necessary. Because the borrower is obligated to repay the loan and must calculate his material abilities, otherwise he may have problems not only with the employees of the overdue debt collection department, but also with the law, and he is on the side of the creditor.

There are positive aspects of cooperation, as evidenced by the reviews. Platinum Bank provides excellent conditions for deposits. If you have your own savings, then it is reasonable to invest them in a reliable bank and make a profit from them.

So what did the reviews say? Platinum Bank is a large bank in Ukraine that serves thousands of clients across the country. Someone is satisfied with the cooperation and recommends it to others, some could not build strong relationships with the bankfinancial relationships. In general, the bank has a positive reputation in the market, grows and develops.