Russian commercial banks: rating of the best

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

Should I say that more than 1000 banks operate in Russia, and each of them wants to offer its clients their services? Any financial institution has its own range of programs that differ in advantages and disadvantages. But what conditions can be called actually beneficial for the client? Which bank should be trusted and which should not? Who can you start collaborating with? Commercial banks in the Russian banking system are represented in the widest range. And before choosing a financial institution, it is worth studying the nuances.

Rating

Customers often think that on every square meter of the territory of a particular bank they are waiting for fraud and falsehood. This is not entirely true. The best Russian commercial banks are honest enough and work in accordance with the law. Good financial institutions are aimed at long-term cooperation. Therefore, pushing a client away at the first meeting is unwise.

And in order to be convinced of all this, it is enough for a potential client to look at the rating of banks, according to the reviews of people who used the corresponding services. Thus, it will be possible to choose a financial institution, the transaction with which will bereally profitable.

The rating itself will be presented below. And first, some factual information.

Basic information

Today, more than 1,000 banks are registered in Russia. But no more than 100 are popular among them. The whole range of services is provided here - from consumer lending to the conclusion of deposit agreements.

It is worth noting that among the hundreds of top financial institutions there are also those that have managed to accumulate a lot of negative reviews over the years of their work. Therefore, when applying to a particular bank, it is necessary to weigh all the pros and cons, given the numerous reviews about them.

Best lending banks

The unstable economic situation has led to the fact that people began to be wary of such a service as lending. Not everyone will borrow money if there is no confidence in the future. However, there are also a lot of those who still decide to make a deal with the bank. Commercial organizations lure customers with loyal terms and low interest rates.

The top financial institutions in recent years in terms of the use of lending services are:

1. Sberbank of Russia.
2. Gazprombank.
3. VTB24.
4. Alfa-Bank.
5. "Renaissance".
6. "Trust".
7. Bank of Moscow.

The above Russian commercial banks offer similar lending programs. Their terms and conditions are also different.slightly.

Gazprombank or Sberbank?

It is worth saying a few words about the fact that Sberbank and Gazprombank made the most successful offers to their clients in the recent past. These are loans with a rate of 14.5% per annum. But on such favorable terms, it will be possible to conclude a deal if the client offers a pledge or brings a guarantor. Otherwise, you will have to overpay 15% per year.

Which financial institution should I contact? Both Gazprombank and Sberbank have been operating on the market for a long time. They offer a wide range of additional services. But according to statistics, many people still prefer to apply to a commercial savings bank of the Russian Federation.

VTB24

This financial institution fully justifies its third place. Clients are offered credit programs with a rate of 17% per annum, which is also not bad. A huge advantage is the possibility of concluding a long-term contract. Everyone can borrow money here for 7 years, while the maximum loan term in many other financial institutions does not exceed 5 years.

Another advantage is the possibility of debt restructuring. The Russian commercial bank VTB24 offers programs for those who, for a number of reasons, cannot cope with their obligations.

Other financial institutions

Many good reviews can be heard about the Bank of Moscow. All offered hererange of relevant services. This Russian commercial bank in Moscow is quite popular. Although it has branches in other cities of the country.

According to credit programs, rates from 18.5% per annum are offered here. Credit cards are also very popular. And every adult citizen can use the service.

Trust Bank is popular with customers who have a bad credit history. It offers programs with a rate of 20% per annum. This financial institution is loyal to those who have had credit problems in the past.

Less popular, but also in demand Bank "Renaissance". It offers loan programs with a rate of 25% per annum. Financial institutions "Vostochny Express" and Alfa-Bank operate under the same conditions.

All of them have been on the market for a long time, and during this time a lot of positive feedback has accumulated about them. These banks can rightfully be called the most reliable.

Where can I deposit?

Almost every financial institution that deals with lending also works with depositors. Due to this, it is possible to create a balance. Some bring money to the bank, while others borrow money.

For those who decide to conclude a deposit agreement, the leaders will remain the same. These include:

1. Sberbank.
2. VTB 24.
3. Gazprombank.

To conclude a deal, you will only have to provide a passport, while every adult citizen can make a deposit. Conditions in the listed financial institutions practically do not differ. It will be possible to conclude a deal if there is an amount of 100,000 rubles or more.

Really profitable deposit transactions can not be called. Interest rates are not too high, but keeping money in a trusted financial institution helps keep it from inflation.

You can also contact less popular organizations. The best of them for concluding deposit agreements include:

• IMoneyBank. Offers deposits with an annual rate of 10.5%. It is possible to conclude a contract for one month.
• BystroBank. For a deposit made for a month, it gives 10.05% per annum.
• B altic. When making a short-term deposit, a rate of 10.4% is offered. For deposits that have been in the bank for more than a year, a 12% rate is offered.

Favorable deposit interest contains the last offer, which you should pay attention to. A huge advantage will also be the possibility of deposit insurance.

The worst commercial banks in the Russian Federation

Financial institutions that people have turned to less often include:

• "Tinkoff Credit Systems".
• "Russian Standard".

These Russian commercial banks used to be very popular. However, everything changed with the onset of the economic crisis. With people,who find themselves in a difficult situation and cannot fully fulfill their obligations, financial institutions refuse to make contact. They work with debtors in a rather rude manner.

Huge interest on loans is another minus. The lack of deposit insurance is also not encouraging. Not everyone will decide to sign a deposit agreement here. And he will be right - there is absolutely no guarantee that the money will be returned if the bank declares itself bankrupt.

Summarize

What to do? Leave money under your pillow? It is not advisable to go to extremes. It is worth choosing only proven financial institutions that have been on the market for more than one year. Where to apply to a Russian commercial bank? Addresses in Moscow we can bring to your attention.

• Sberbank. Bank address: Moscow, Vavilov street, 19.
• Bank of Moscow. Branch address: Moscow, st. Sadovaya-Triumfalnaya, 4/10, building 1.
• VTB24 Bank. Bank address: Moscow, Red Square, 3.

These are the most popular Russian commercial banks. In any case, before making a deal, you should study all the offered conditions and read the reviews.