"TransKapitalBank": customer reviews, description, services, deposits and loans

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

In this article we will tell you what kind of feedback TransKapitalBank receives from its employees and customers. All useful information about the organization will be presented below.

After all, before applying to a particular financial company, it is important to know about all its features. It is likely that somewhere there are not the best "pitfalls" that can cause a lot of trouble for customers.

Description

TransKapitalBank is a large financial company. It is distributed throughout the country. It has branches in different cities of Russia. He is not a scammer, as some citizens think. Nevertheless, it is not particularly popular with the population.

"TransKapitalBank" gets a variety of reviews. There are good ones and not so good ones. What features should be paid attention to in cooperation? Are there any doubtful or negative points regarding the provision of services? How can TransCapitalBank help?

Services

The company's range of services has nofeatures. It is standard for all financial institutions whose main activity is the provision of banking services. So, "TransKapitalBank" offers its clients:

• Internet banking services;
• lending;
• mortgage;
• opening accounts and deposits;
• money transfers;
• currency transactions.

Nothing special or specific. And that makes some people happy. All thanks to the fact that "TransKapitalBank" is the most common, though not quite a large bank. Or rather, a network of banks. You can go here for standard services provided by financial institutions.

Contributions

Deposits attract special attention. They are the ones that people are most interested in. For them, Transcapitalbank receives mixed reviews. Although most of them are predominantly positive opinions.

The organization has a lot of contributions. You can choose the one that suits a particular person. Conditions are not always favorable, but they are better than many competitors. Interest rates average from 8 to 10% per annum. Not much, but stable and reliable.

Today, the following programs can be distinguished among the contributions:

• "Growth time. Autumn" - 10% per annum in rubles;
• "Pension" - 8.8% per annum for a period of 368 days;
• "Investment in the future";
• "Savings certificate" - 10.05% per annum;
• "Universal";
• "On demand";
• "Premium universal" - up to 8.55%.

There are plenty to choose from. But, as clients say, it is worth contacting the departments of the organization directly for more detailed information about deposits. They will provide full information about each of the available programs and explain the terms of cooperation with the bank.

Mortgage

Many people today take loans: both consumer and mortgage. By the way, the rates for the first ones can be different, depending on the program. So, pensioners can take out a loan with a rate of 19% per annum, and existing bank customers - from 17%.

Mortgage lending in Russia has also become extremely popular. Therefore, many are interested in what kind of feedback TransKapitalBank receives on mortgages. Is it worth taking on such a responsibility?

There is no single opinion here either. The organization receives a variety of reviews about its mortgage. Some say that it was TransKapitalBank that helped them to purchase housing without much difficulty. And cooperation with a financial institution does not cause any trouble - there are no constant reminders of payments, no debts, no mysteriously appearing delays.

Along with this, some people complain that TransKapitalBank is not a very honest financial institution. At the slightest debt, management turns to collectors who knock out even the smallest debts, and allways. Mortgage overpayments are huge, and the paperwork involved in paperwork is not for everyone.

What to believe? Rather, it is better to take a neutral point of view. It is worth paying attention to the fact that TransKapitalBank receives positive customer reviews mainly for issuing both loans and mortgages in cases where people are refused in other financial organizations.

In general, in practice, refusal of a loan or mortgage in TransKapitalBank is a rarity. But they also exist. Mainly due to an incomplete package of documents or due to the low income of the client. However, the bank still receives claims regarding the mortgage. Exactly the same as most similar companies. But in general, TransKapitalBank is suitable for concluding a mortgage agreement.

Customer Service

What about customer service? Another extremely important nuance. Reviews about the bank "TransKapitalBank" in this area are also ambiguous - someone is satisfied with the service, someone is not very.

The main claims expressed by visitors are slow and unfriendly employees who do not know how to answer specific questions. They do not like to communicate with debtors here, and you may encounter some rudeness.

But there are also positive opinions, where the employees of "TransKapitalBank" are spoken of as honest and conscientious employees. They try their best to answer customer questions.everyone gets attention. Although the speed of service still leaves much to be desired.

It should be noted that both the negative comments about the company and the positive reviews are not supported by anything. So, we recommend that you simply take into account that the service in TransKapitalBank is not too fast, and also that not all employees will always be able to answer certain questions. However, as in any other bank.

Help customers

Quite often, "TransKapitalBank" receives positive feedback for helping clients with the preparation of certain documents. This is an extremely important nuance that stands out separately in the service of visitors.

Some point out that if you have difficulty filling out applications and receipts, you can ask bank employees to do it for you. Then all that remains is to check the correctness of the data and put your signature on the document.

This cannot but rejoice, especially when it comes to elderly or inexperienced people who have never de alt with banks before. "TransKapitalBank" tries to do everything for its visitors. And that is commendable.

Claims and resolution

As already mentioned, "TransKapitalBank" receives a variety of reviews. Some people complain that when applying for a loan or mortgage, it turns out that they will have to pay more than they initially promised. Fortunately, such situations are rare. You shouldn't be afraid of them. Why? Management decides quicklyproblems and apologizes to its customers.

It is recommended to simply carefully study all the terms of the contract, as well as clarify any nuances before concluding the relevant agreement with bank employees. Then no negative moments will arise. Especially when it comes to conscientious clients. And debtors and non-payers will have claims against anyone, even an ideal bank.

Revocation of license

There are rumors in the media that an organization called "Transcapitalbank" is threatened with a license revocation. Is this a myth or a real threat? There is nothing to fear. There is no revocation of the bank's license and will not be. In any case, in the near future. Such news is a real fraud, which is not supported by anything. Especially considering that the population is mostly satisfied with the work of TransCapitalBank and does not have any serious claims against it.

From staff

But as an employer, the bank has not proven itself too well. Unfortunately, Transcapitalbank does not earn the best reviews from employees. The main complaints are low wages, hard work, a constant flow of visitors and the need to stay overtime.

Nevertheless, Transcapitalbank as an employer also has positive aspects. This is:

• comfortable working conditions;
• social package in full;
• stable income;
• "white" salary;
• career growth;
• self-development;
• preferential terms for bank services.

Conclusions

As can be seen from what has been said, "Transcapitalbank" receives reviews of a diverse nature. In general, this is a good bank that offers standard services. Claims made against a financial institution are usually formulaic.

As an employer, this is also a good company. True, with its shortcomings. You can safely apply here for employment, and to receive certain services. Only it is not recommended to work with large amounts of money. After all, with a possible closure of the bank (and no one is insured against this), it will be difficult to return the funds.