Uralsib Bank: customer reviews, service overview, loans and mortgages

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

Uralsib Bank is a recognizable brand on the Russian market. It is included in the TOP-30 largest banks in the country. The activity of the commercial organization covers 7 federal districts and 46 regions of the country. Customer reviews about Uralsib Bank allow us to judge the quality of service and convenience of services.

Brand story

PJSC bank "Uralsib" is a licensed commercial bank in Russia. The license was issued by the Central Bank in 2015 (unlimited). Since November 2015, V. I. Kogan, famous Russian banker, statesman.

For 3 years, "Uralsib" has been functioning at the expense of long-term loans provided for the development of activities. Loans were issued to the bank in the total amount of 81 billion rubles. The state organization "Deposit Insurance Agency" acted as the investor. Since 2015, Uralsib has been one of the organization's insurers, which guarantees the safety of bank customers' funds.

Previously, the company worethe name "Bashkreditbank" and offered services only on the territory of the Republic of Bashkortostan (in 1993). Until 1997, it was one of the leaders in the region (together with the largest bank in the country).

The name change took place in 2002, when "Bashkreditbank" was renamed into "Ural-Siberian Bank". As a result of a merger with 10 domestic companies, the modern Uralsib brand was founded. Subsidiaries included:

• JSC JSCB Avtobank-NIKoil;
• CB Bryansk People's Bank (OJSC);
• JSC IBGNIKoil (OJSC);
• JSC JSCB Kuzbassugolbank;
• JSC AKB URALSIB-YUG BANK;
• JSC AKBStroyvestbank.

Basic activity

In terms of activity, Uralsib is considered a universal commercial bank. A huge number of citizens trust him with their savings. It provides services to individuals and corporate clients. According to reviews, Uralsib Bank is one of the most recognizable brands among similar Russian institutions.

To individuals he offers:

• deposits;
• lending;
• payment cards;
• investments;
• insurance services;
• broker service;
• shares;
• payments;
• transfers.

In offices and Internet banking, customers can buy and exchange currency, precious metals (using CHI accounts).

Lending at Uralsib Bank

According to reviewscustomers about loans can be judged by the availability of a wide range of loan products with favorable conditions. You can get borrowed funds by issuing the following products:

• mortgage;
• consumer credit;
• car loan;
• credit card.

Each product includes at least 2 offers. This allows borrowers to choose the best loan option. 9 out of 10 loan products are available online.

The feedback from Uralsib Bank employees says that management pays special attention to promoting online lending. This allows clients to receive borrowed funds within 24 hours after submitting an application via the Internet.

Mortgage terms

Uralsib has been one of the country's leaders in terms of mortgage lending since its inception. Now it is in the TOP-10 companies by the number of open mortgage contracts in 2018.

Mortgage bank "Uralsib", according to reviews, can issue not only the owners of salary cards. A housing loan is available to all clients with official earnings, but the conditions for concluding an agreement for regular borrowers, depositors and other persons are different.

The bank can apply for a mortgage on a new (under construction) housing and real estate in the secondary market. Interest rate, down payment differ from the type of loan and the status of the borrower. The most favorable conditions are provided to regular customers (cardholders, depositors, borrowers, including former ones) and employees of subsidiariesbusinesses or partner companies.

According to customer reviews, mortgages at Uralsib Bank are beneficial for borrowers. This is confirmed by the terms of the loan:

1. General: mortgage for up to 30 years, interest rate from 9.9% per annum, minimum installment - 15%. Issued in the amount of up to 50 million rubles. The program is relevant for both under construction and finished housing in the secondary market.
2. Loan secured by real estate without down payment. Issued in amounts up to 20 million rubles. The rate is from 12.5% per annum. The maximum size of the contract as a percentage of the cost of mortgage housing is 60%. Issued up to age 30.
3. Military mortgages are issued for a period of up to 20 years in the amount of up to 2.6 million rubles (the amount of the mortgage loan minus own funds + CHL). The minimum rate is 10.9% per annum.
4. Mortgage loan from bank partners. Under the terms, a loan of up to 50 million rubles is available to the borrower at 9.9% per annum (minimum) for up to 30 years.
5. Loan secured by property. It can be a mortgage or consumer lending for any purpose. The amount of a mortgage loan cannot exceed 6 million rubles, and the minimum rate is 13.5% per annum. Issued for up to 15 years.
6. "Mortgage holidays". This is a loan for those who purchase housing under construction in a new house. It allows you to pay 50% of the monthly payment for up to 2 years. After the "holiday" the client must pay 100% of the payment before paying off the loan. It is issued for up to 30 years, the maximum amount is 50 million rubles. Interest rate starts from 10.9% per annum.
7. Refinancingmortgage loans from other banks. Clients can apply for a loan for the purchase of housing by repaying the debt in another financial institution. Contract terms: rate from 10.5% per annum, term - up to 30 years. Provided in the amount of up to 50 million rubles. The object of collateral is the acquired property.

Applying car loans at a bank

Uralsib Bank customers can become the owner of their own vehicle using borrowed funds under the Car Loans program. The bank provides 2 lending options for future motorists:

1. "Auto partner". Under the agreement, the borrower purchases a car worth up to 3 million rubles with a loan term of up to 5 years. The minimum loan installment is 20%. Rate - from 10.9% per annum.
2. "Fairy tale without CASCO". This is a car loan for up to 3 million rubles for up to 5 years. The borrower must provide an initial payment of 20% of the loan value. Bank interest - from 14.8% per annum. The bonus is the absence of compulsory insurance under the CASCO program (which is required in 9 out of 10 banks when buying a car using car loans).

Customers can include life insurance in the loan or opt out of the service. If you refuse, the interest rate increases by 2 points.

Customer feedback on a car loan at Uralsib Bank is positive. Borrowers write that the lender strictly complies with the terms of the loan. Over 67% of car owners are satisfied with interest.

Early repayment of car loans is carried out without commission. Customers can apply at any office, through an online bank or by calling the support service. When applying for a loan, attention is paid to the brand of the car, the borrower's credit history and documents confirming solvency.

Uralsib consumer loans

Loans for any purpose at Uralsib Bank allow borrowers to solve financial problems within 1-2 days. Consumer loans are issued to working citizens and pensioners. Types of loan products "Uralsib":

1. A special loan with a fixed interest rate of 15.9% per annum is provided for public sector employees. Issued for up to 1.5 million rubles for up to 7 years.
2. For pensioners. The product "Honorary Pensioner" is issued to those who have retired early or due to old age. Amounts up to 500 thousand rubles are available for up to 7 years.
3. Refinancing loans from other banks. Customers of Uralsib Bank can receive a consumer loan on favorable terms for up to 2 million rubles. The loan term should not exceed 7 years. Interest rate starts from 11.4% per annum.
4. Cash loan. This is the standard loan option. You can draw up a contract for up to 7 years, the amount is limited to 1.5 million rubles. Interest is from 11.9% per annum.

Reviews about the bank "Uralsib" on loans are positive. The lender offers competitive rates, convenient repayment terms. Clients can receive borrowed funds in cashor by transfer to a bank card, Uralsib account.

Loans are given to people who work or who receive a pension. The minimum references for obtaining a loan include the provision of a passport and a second document of your choice. This can be a passport, driver's license, SNILS, 2-NDFL certificate, military ID and others.

Credit cards: conditions

Bank loans on a plastic card attract many customers: this is a quick type of loan with favorable conditions. Every 5 Russians use credit cards, and 1/4 of cardholders use a means of payment at least 3 times a week.

Reviews of Uralsib bank credit cards describe the merits of a wide range of products. Credit cards are available to customers from:

1. Offers from bank partners. These are the cards "Lukoil-Uralsib", "Energy", "Telephone card" and "The whole world".
2. Charitable contributions to the children's fund "Victoria". These are cards from which 0.5% is automatically deducted from each purchase. They are called "A worthy home for children".
3. Classic bonuses from "Uralsib" company. You can issue a classic type or Gold card.
4. Premium cards. The advantages of the product are stylish design, maximum limits and premium service from bank partners. Credit cards "Infiniti" and "Gold" are available for registration.

It takes no more than 15 days to process a credit cardminutes. According to customer reviews, at Uralsib Bank, borrowers can apply for a credit card using a passport and any document of their choice. Experts recommend taking with you a certificate of income in the form of 2-personal income tax.

Opinion of borrowers about the lender

Customer reviews of Uralsib bank loans are positive in 8 out of 10 cases. Among the advantages, borrowers especially highlight:

1. Quick decision on the application. Clients can receive loan funds within 24 hours from the moment of sending the application.
2. Online loan processing. With and without Internet banking, customers can apply for the type of loan they need.
3. Favorable interest.
4. High service in bank branches. Despite the emphasis on online processing of services, the managers of Uralsib Bank are distinguished by their competence and courtesy.

But customers who are going to take out loans are interested in opinions about the products themselves. The chances of delinquency depend on the convenience of paying the loan, and the amount of overpayment to the bank depends on the interest. Therefore, future borrowers are studying whether the bank's customers like the conditions after applying.

Most of all people are concerned about consumer loans and credit cards of the bank "Uralsib". They are the most popular products when searching for information on the Internet.

Loan responses

Reviews about the bank "Uralsib" on loans in most cases positive. Clients note low interest rates on all types of loans. For example, customers can apply for a mortgage from 9.9% per annum, and getborrowed funds for any purpose from 11.4%.

The exception is credit cards: interest on them starts from 23.9% per annum, but such rates are considered low on average for credit cards of Russian banks. Borrowers write in the comments that the bank awards bonus points without cheating and delays. This is important, as not all lenders provide special programs that allow cardholders to earn points to pay for purchases.

"Uralsib" compares favorably with its competitors by having 4 types of credit cards. The product line allows you to choose a credit card with favorable interest, a grace period and bonuses from a bank or partners. This attracts many people. The largest number of positive reviews about the card of the bank "Uralsib" called "Energy".

Reviews about car loans

Car loans are popular with Russians for a reason: more than 64% of cars are purchased by citizens using borrowed funds. Not everyone takes car loans for this, but in Uralsib Bank this is a popular type of lending. Because, according to borrowers, it has a lot of advantages.

Reviews about the car loan of Uralsib Bank are positive, since borrowers in the company can receive funds without the obligatory connection to the CASCO insurance program. Most Russian banks (95%) do not issue targeted loans for the purchase of a vehicle without CASCO.

Employee reviews of Uralsib Bank regarding car loan services toopositive. Employees note that customers willingly choose the type of loan without CASCO, despite the higher interest rates. Drivers can get borrowed funds to buy a car at 14.8% per annum and without insurance.

The second type of loan for the purchase of a vehicle provides for the registration of CASCO insurance coverage. But rates for customers are reduced. Borrowers can buy a car at 10.9% per annum. Terms of lending under the "Autopartner" program are also individual for each borrower. The rate becomes known after applying to the bank.

An important point when buying a car on credit is the provision of documents on the acquired property. When applying, a client's driver's license, passport, and income information are required. Not all cars can be bought under the car loan program. It is necessary to check with the manager about the possibility of buying a vehicle using borrowed funds from Uralsib Bank before concluding a deal with the car seller.

According to reviews, an alternative to purchasing a car with a car loan is to issue a conventional consumer loan. It is notable for its lack of purpose. That is, the borrowed funds can be used by the client for any purpose. The program also does not require compulsory insurance. The availability of insurance affects the interest rate, so customers are willing to connect the protection program.

The interest rate on loans from Uralsib Bank is also set only after the application for a loan is made. If athe borrower is not satisfied with the conditions, he may refuse to issue a consumer loan.

Information about refinancing at Uralsib Bank

Refinancing is gaining popularity in all Russian banks, and Uralsib is no exception. The service allows you to improve the conditions for mortgages and consumer loans by drawing up an agreement with recalculation of interest and payment of debt to the previous creditor.

Reviews on the refinancing of Uralsib Bank are of interest to everyone who wants to reduce the overpayment. You can get borrowed funds only after providing information about the availability of a valid loan in another financial institution.

Certificates for refinancing the client must receive from the lender within 1-2 days prior to filing an application with Uralsib Bank. A month after the issuance of the certificate, they lose their relevance, since interest is charged on the balance of funds. Feedback on the refinancing of loans from other banks "Uralsib" bank positive. Clients are pleased with the opportunity to receive funds to repay loans from other banks at 11.4%.

But the rates are not the lowest. Some Russian banks offer loans at 9.9% per annum and below. In addition, interest rates are set individually for each borrower. This means that clients can get borrowed funds at 12.5% per annum or more.

Refinancing loans of the bank "Uralsib" is impossible without obtaining documents. Customers are not always positiverespond about receiving certificates for services in another bank. The reason for the negative statements on the network is the charging of fees for the provision of certificates. This was expressed by those who wanted to receive refinancing on a loan from Uralsib Bank in another credit institution.

When applying for documents to the Uralsib office, borrowers were faced with the need to deposit 500 rubles or more at the cash desk so that employees would generate a certificate within a day. Otherwise, clients had to wait 30 days to receive the necessary documents without payment. But in such terms, a profitable offer from another lender could lose its relevance, and clients had to postpone actions related to changing a financial organization for a month.

Commercial bank deposits

Without deposits, a bank cannot provide citizens with financial resources. Therefore, the financial well-being of the lender depends on their volume. Deposits of Uralsib Bank allow clients to save up for a goal within several months with pleasant bonuses from the bank.

The company offers 16 types of deposits for Uralsib clients. Detailed information about some of them is presented in the table.

Deposit name	Maximum interest rate, in % per annum	Minimum amount, in rubles
"We are together"	8	100,000
"Income"	7, 28	1000
"Growth"	6, 15	1,000
"Comfort"	5, 82	1,000
"Honorary Pensioner"	6, 81	1,000
"The right decision"	9, 0	150,000
"A decent home for children"	6, 0	1,000
"Income-Priority"	7, 28	100,000
"Income-Status"	7, 52	100,000

Deposit feedback

Reviews about the bank on deposits are always positive. Since it fulfills its obligations to pay income to customers by 100%. Clients note that the bank guarantees the payment of amounts up to 1.4 million rubles under any circumstances. This is the condition of all financial institutions that have joined the "Deposit Insurance Agency" alliance.

Concurrently, the state-owned company acts as a creditor of the company under study. The issued amounts of 81 billion rubles are used to financially rehabilitate the entire network.

Deposits "Uralsib", according to the bank, are considered among the most highly profitable in the country. Only 10% of financial institutions can provide depositors with such conditions for investing funds at interest.

Customer reviews of Uralsib Bank allow us to judge the convenience of the service when withdrawing cash. To be sure of receiving the entire amount at the time of application, the depositor can order cash by phone call to the office or servicesupport. The service is free.

According to legal entities, large-scale cash withdrawals are also available within 1 day at Uralsib Bank. Coordination of the closing of deposits is carried out jointly with the manager who oversees corporate clients.

Interest on bank deposits is calculated without delay. If the client has an Internet bank connected, he can close the account and receive interest online by transferring to a Uralsib bank card.

Opening an account online takes no more than 5 minutes. If necessary, the client can print a copy of the document at any of the branches of a commercial bank or order by e-mail with the help of support service specialists. The service is provided free of charge.

Online services at Uralsib Bank

More than 98% of transactions and services are available in the online services of Uralsib Bank. On the official website of a commercial bank, customers can transfer funds from card to card, pay for services and mobile communications, find out exchange rates and precious metals. The site and online services operate around the clock, providing customers with the opportunity to be served 7 days a week.

In 2018, the Uralsib application entered the TOP-10 most effective Internet banks. The bank is among the 3 cheapest online services for individual entrepreneurs and legal entities. Therefore, it is popular.

According to reviews about the work of Uralsib Bank in the field of Internet services for customers, it follows that the services are convenient. As well asreliability and stylish design. Internet banking for individuals is a free service. Tariffs for individual entrepreneurs and legal entities are among the lowest in Russia.

Financial institution branches and ATMs

"Uralsib" does not set the main goal of customer service in the offices, focusing on the remote connection of services and the provision of services. Therefore, there are currently only 6 branches of the company, they are located in the following cities:

• St. Petersburg;
• Stavropol;
• Krasnodar;
• Ufe;
• Novosibirsk;
• Yekaterinburg.

The main branch is located in Moscow. The additional head office is located in Ufa. According to reviews of Uralsib Bank, there are 274 points of sale in Russia. Here, clients can arrange deposits, consumer loans, open a bank card account.

The branch network has 1488 ATMs and 528 terminals. The partner of Uralsib Bank in the field of remote servicing is ATLAS, whose ATMs are part of the Uralsib group.

Reviews about the service

Service in bank branches in 7 out of 10 cases satisfies the needs of citizens. This is proved by their numerous comments. In the feedback from Uralsib Bank customers, it is said that among the shortcomings, visitors note the low speed of work, the availability of paid references for credit products and the insufficient number of employees in the branch.

But clients also note the positive aspects: a comfortable office in the city, competenceemployees and an individual approach to solving problems. A distinctive feature of the service of Uralsib Bank is considered to be involvement in the essence of the problem: employees do not always solve it quickly, but they are 100% focused on customer satisfaction.