Reviews about the bank "Vostochny": the opinion of employees and customers

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

The popularity of lending services is increasing every year. In order to withstand competition, each of the banks tries to offer its customers the most favorable conditions for consumer loans and credit cards. But not everyone manages to maintain a good reputation. Today we will consider reviews of Vostochny Bank.

Bank information

Orient Express Bank is one of the private banks. Its branches are distributed throughout the Russian Federation. It was registered in 1991. Today, Vostochny Bank is one of the largest financial institutions in Russia. It has a customer base of over three million.

Now Vostochny is one of the ten largest banks in Russia. Due to such popularity, reviews of Vostochny Bank can be found on any site that deals with the selection of loans for the population.

Services provided by the bank

Like any other financial institution,Vostochny Bank provides its clients with services in the field of lending and opening savings deposits. So, anyone who meets the requirements of the institution can:

1. Apply for a consumer loan.
2. Get a credit card from the bank.
3. Open a current account.
4. Get a debit card.
5. Open a cash deposit in a bank at a certain percentage.
6. Get a salary card.
7. Get a mortgage.
8. Use other banking services (payments, transfers, etc.).

The most popular services are consumer loans and credit cards. All reviews about Vostochny Bank and its services can be read on the organization's official website.

Who can get a bank loan

Any potential borrower can get a consumer loan or apply for a credit card at Vostochny Bank. However, it must meet all the requirements of the institution. These include:

1. Having Russian citizenship.
2. Having a valid passport of a citizen of the Russian Federation.
3. The borrower must have a regular source of income. They may be wages, pension payments, other social benefits.
4. The age of the borrower must be at least 18 years old and not more than 65 years old. In some cases, the age group starts from 21 years old and up to 70 years old. For older borrowers, a separate type of lending is offered - pension.
5. A future loan client is in the current positionthe bank must work for at least 3 months, and the total work experience must be six months.
6. You must have your own phone number and work number.

Before proceeding with a loan, it is recommended to study the reviews of the "Eastern Bank" on loans from its existing customers.

How to get a loan

In order to get a loan from such a bank, it will be necessary to apply with a package of certain documents to any of the branches of a financial institution. You can also do this at any sales counter of credit services of Vostochny Bank. True, you can find them far from all cities. But first, you should read customer reviews on loans from Vostochny Bank.

In addition, there is the easiest and most convenient way - to apply for a loan or credit card on the Internet. This saves a lot of time and nerves. In addition, you can apply for a loan in this way from absolutely any device that allows you to access the Internet. It doesn't matter if it's a computer, laptop, tablet or even a phone.

To do this, just go to the official page of the bank and fill out the proposed questionnaire. The procedure will not take much time, and the decision on the application will be received in the form of SMS to your mobile within 15 minutes. With a positive decision, all that remains is to visit the office of the nearest bank. You can do this at any convenient time.

Documents for applying for a loan

Reviews about Vostochny Bank are oftenlaudatory because of the minimum package of documents that a financial institution requires when applying for a loan. Indeed, when applying for most types of loans or credit cards, the bank does not request any additional papers and certificates. The main required documents are:

• Original valid passport of a citizen of the Russian Federation.
• SNILS is a green plastic state pension insurance card.

Sometimes a bank may request additional documents from its potential borrower. They should include TIN. Such a document is considered mandatory for presentation to the bank if the borrower is an individual entrepreneur.

There are certain nuances. When applying for a loan over 300 thousand rubles, a mandatory document will be a certificate of 2NDFL or in the form of a bank. It will serve as proof of the client's solvency. But in some cases this is not required. There is no need to provide such a certificate if the borrower is a payroll client of the bank.

To obtain a loan or credit card, you can refer to a financial institution and additional documents. This list includes:

• Driver's license.
• Copy of the work book, certified by the seal of the employer.
• PTS per vehicle.
• Certificate of ownership of real estate ownership.
• A foreign passport, with stamps on leaving the country within the last year.
• Third party credit card.
• Voluntary he alth insurance policy.

If you believe the reviews about Vostochny Bank, such additional documents are extremely rare. You can get a loan with just two references.

Customer reviews of loans

Credit Bank "Vostochny" customer reviews, like most other financial and credit organizations, is very controversial. Let's consider them in more detail. Some customers are very satisfied with the loan service and low interest rate, others are not at all.

But despite this, both sides agree on one thing: the bank imposes its services too much. How does it manifest itself? According to current and former clients, employees of a financial institution obsessively offer their services in the field of lending. They often call the numbers that were left as additional contacts, offering to apply for a loan.

But in general, the feedback from the clients of Vostochny Bank is positive about the very procedure for obtaining a loan and the annual rate on it. The benefits don't end there. The simplicity of filling out an application on the official website of the bank, as well as the speed of making a decision on a submitted application for a loan, received positive feedback.

Not all clients are satisfied with the fact that when borrowing a large amount of money, it is necessary to provide not only a certificate confirming income, but also a copy of the work book.

Credit card reviews

Popularand credit cards issued by the bank. However, the feedback from Orient Express Bank customers about credit cards is not so positive. Why? Most of the negative opinions relate to the currently popular Teplo credit card. Customers complain that it is impossible to refuse insurance during its execution. Please note that there are additional charges for card insurance.

But that's not all. A lot of complaints from customers come about the complete closure of the credit limit on the card.

Reviews of debtors about the bank

A separate story is the opinion of debtors. Everyone understands that reviews of the Vostochny credit bank from people who have overdue debts will not be positive. Complaints are received on calls of collectors almost at any time of the day. But this is quite understandable. None of the credit organizations will forgive the debt of its borrower. She will make every effort to ensure that the debtor returns the money.

In addition to negative feedback from the debtors themselves, negative feedback comes from people whose number was left as an additional contact.

Feedback from employees of Vostochny Bank about work in it

And now about what kind of feedback Eastern Credit Bank receives from its current and former employees.

Unfortunately, most of them are not positive. Former employees of the credit institution complain about the irregular schedule associated with a lack of staff. Also, if you read reviews about working in this bank, you can find out thatworkers are practically forced to make calls with an offer to apply for a loan. As a result, the office has a high turnover of staff. Former employees complained that they had to distribute leaflets advertising banking services. At the same time, such work was not paid additionally.

Of course, there are also positive reviews from the employees of the Orient Express Bank. They talk about stable and timely payment of wages, a close-knit and friendly team, and career opportunities.