Russian Standard Bank: reviews, features and services

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

Bank "Russian Standard" was formed nineteen years ago. The main owner of the credit institution is the holding company of the same name. Today, according to reviews, Russian Standard Bank is recognized as one of the largest financial institutions in our country. The bank's management adheres to international principles of banking business management. According to customer reviews, Russian Standard Bank appreciates and protects the norms of corporate governance and ethics.

Indicators

Bank "Russian Standard" has been providing financial services to the population for more than fifteen years. Customer reviews of "Russian Standard" are characterized in different ways. The main task of the bank is to demonstrate the standards of professional activity in accordance with its ideology. On theTo date, the institution has achieved the following indicators:

• It serves about 28 million individuals.
• According to reviews of Russian Standard Bank, it issued more than 46 million payment cards.
• "Russian Standard" issued loans in excess of 2,048 billion.
• According to reviews, Russian Standard Bank has opened 150 convenient and comfortable branches throughout the country.
• The credit institution has been the only issuer of American Express Centurion cards in our country for thirteen years.

The combination of international experience, corporate governance and a team of professionals is the main advantage contributing to the development of Russian Standard Bank as a leader in the financial services market.

Bank job

A team of professional employees with experience in the financial system, judging by the feedback on working at Russian Standard Bank, is recognized as a key factor in its success. All employees are committed to providing full access to services and service at the highest level in any of the branches of a financial institution.

The Bank is looking for energetic and ambitious people who are committed to professional and career growth in the financial sector to work in their team. Reviews, opinions about Russian Standard Bank state the fact that the credit institution encourages the initiative of employees to offer non-standard solutions to complex problems and teamwork. Thisa large financial institution offers vacancies for both professionals and beginners.

Bank cards

According to reviews of the "Russian Standard", the "Bank in your pocket" card is a very convenient and profitable product among debit counterparts:

• When withdrawing funds from the card, interest is saved.
• Card income is calculated every day and paid every month.

According to reviews of "Russian Standard", "Bank in your pocket" gives:

• Cashback for purchases from bank partners in the amount of fifteen percent.
• Income in the form of five percent per annum of the balance on the card account up to three hundred thousand rubles and when paying for purchases from 3000 rubles. in the previous billing period.
• Different income from the amount on the accumulation account depending on the type of card.

Several types of "Bank in your pocket" cards have been developed:

• "Standard. Income in two accounts": five and a half percent per annum of any amount in the savings account.
• "Gold. Income in two accounts": six percent per annum of any amount in the savings account.
• "Premium. Income in two accounts": six and a half percent per annum of any amount in the savings account.

The official website of the bank presents a catalog of prepaid cards dedicated to various holidays.

Translations

On the official website of a credit institution when using a virtual applicationthere is a possibility:

• transfer funds from card to card, from account to account, to an electronic wallet;
• repay the loan;
• pay the invoice;
• pay fines.

Credits

According to customer reviews of loans from Russian Standard Bank, they have a number of advantages:

• For borrowers with a good credit history, a flexible system of interest on loans is provided.
• Transparent terms of the contract do not contain any other fees and commissions.
• According to reviews of the Russian Standard Bank, a minimum package of client documents is required. To get a store loan, you only need a passport, and to apply for a cash loan, you need two documents.
• Client gets approved for a loan very quickly. A person receives a decision to issue a loan in stores in a maximum of fifteen minutes, a cash loan - within a day.
• The client has the opportunity to choose a convenient payment date.

According to customer reviews of loans at Russian Standard Bank, there are two attractive banking products:

• Cash loan.
• Credit in stores for the purchase of goods.

Cash Loan

According to customer reviews of Russian Standard, three steps must be taken to obtain a cash loan:

• The client must fill out an application on the website of the credit institution and wait for the bank's decision.
• Whena positive decision, the person goes to the nearest branch of the bank.
• The borrower receives the money.

Basic conditions for issuing a cash loan at a bank:

• The maximum amount is two million rubles.
• The minimum loan rate is 15 percent per annum.
• The term for consideration of the application is no more than a quarter of an hour.

Insurance

When applying for loans, according to reviews about the services of Russian Standard Bank, the borrower has the opportunity to issue:

• Insurance of the borrower against death or disability. The policy helps to pay off the balance of debt to a credit institution in an unforeseen situation.
• Unexpected job loss insurance. This type of policy helps to solve the problems associated with finding a new job.

Loans in stores

According to reviews of Russian Standard Bank, loans in stores that are bank partners have a number of advantages:

• Transparent terms of the contract do not contain any other fees and commissions.
• All you need is your passport to get a store loan.
• A person receives a decision on issuing a loan in stores in a maximum of fifteen minutes.
• Wide range of goods for credit clearance.
• The client has the opportunity to choose a convenient payment date.
• There are many ways to repay a loan. You can deposit funds for a loan at any time of the day.

To get a loan in a store (online store)you need to follow three steps:

• Customer must visit outlet and apply for credit at visit (by phone).
• Sign the contract.
• Receive goods. Pay the down payment, if any.

According to reviews of Russian Standard Bank, the main conditions for issuing a loan in stores are as follows:

• The maximum amount is three hundred thousand rubles.
• Loan term from three months to three years.

The bank can offer customers the purchase of goods in installments. This line of business of a credit institution provides for the purchase of goods and payment for them in equal installments. The down payment when buying in installments can be in the range from 0 to 90 percent of the value of the goods. Payment by installments is possible in stores (online stores) that are partners of Russian Standard Bank. The decision is made on the citizen's passport within fifteen minutes.

Credit card

According to reviews of Russian Standard Bank, credit cards are presented in a huge selection:

	Maximum amount, thousand rubles	Minimum loan rate	Maintenance fee per month	Service
Platinum	300	21, 9	42	Free mobile messaging service for two months after first use of the card
Black	600	19, 9	409	Interest on the loan is not charged if the entire debt is repaid in a timely manner within 55 days. Free travel insurance. The card can be obtained by borrowers aged 21 to 65 upon presentation of a passport and one of the additional documents
Platinum Traveler Card	300	21, 9	125	Pay for purchases with a no-interest period of up to 55 days of credit and earn travel miles.
Black travel card	600	19, 9	492	On purchases, there is an interest-free period of up to 55 days of credit and travel miles are accumulated
Visa football card "Russian Standard"	300	22	75	Grace period up to 55 days. Interest on the loan is not accrued if all debts are repaid on time
The Platinum Card				Unlimited access to 1,000 premium airport lounges. Free insurance for half a million. Free concierge service
Miss Russia	300	21, 9	75	Grace period up to 55 days. Interest on the loan is not accrued if all debts are repaid on time
Miles & More Visa Signature Credit Card	1500	28, 9	10,000 per year	When paying for purchases, there is an interest-free period of up to 55 days of crediting andtravel miles accumulate
Miles & More Visa Gold Credit Card	300	31, 9	3000 per year	Customer can make purchases with maximum benefit in more than two hundred well-known brand stores. For the borrower, there are attractive prices for air tickets, insurance at a five percent discount on the travel portal. The client can monitor the status of the account, instantly receiving messages on the phone about all card transactions
Miles & More Visa Classic Credit Card	300	32, 9	900 per year
Imperia Platinum	1000	7	25000 per year	Each purchase with the Imperia Platinum card brings benefits: one point for every 30 rubles spent on purchases with the card
Diners Club Exclusive	1500			There are no limits for the client's capabilities with the Diners Club Exclusive card. The credit limit is set individually. This allows the client to become the owner of a payment instrument to manage their expenses. The borrower has access to extended privileges of members of the Diners Club. Interest-free period up to 55 days. Discounts in restaurants. Free access to airport lounges
American Express	300	19, 5		Availability of a bonus program. The client pays for purchases and receives points: a bonus point for every forty rubles. Next, the client exchanges points for rewards fromprogram directory. Participation in the program is free for cardholders. There is a discount on the cost of annual maintenance on the main card from the second year, depending on the turnover on the card. Additional card holders enjoy all the benefits of the main card. Free annual account statement. Grace period for purchases - up to 55 days. Customers enjoy premium service: 100% payment protection, chip in card to protect customer funds, internet banking and personal phone bank to pay bills free of charge, more than a million ATMs worldwide

According to reviews of Russian Standard Bank, credit cards of a financial institution compete with cards of other banks. With the help of them, you can buy goods in stores, pay for purchases online and withdraw cash from ATMs. The bank is concerned about the security of its cards. They are equipped with a chip and have a high degree of protection. The secret code from the chip cannot be learned by unauthorized persons. Each operation is confirmed by entering a code known only to the user of the Russian Standard card.

There are three steps to get a credit card:

• The client must apply for a credit card by phone through the bank's call center or on the official website, or by visiting the nearest branch in person.
• Learn about a quick decision in minutes.
• Get a Russian Standard bank card.
• Activate it. It is easy to do this right at the bank branch or in the voice menu, following the instructions provided.

Methods for paying off credit card debt are as follows:

• Instantly in internet bank or personal phone service without commission.
• Through an ATM, payment terminal of the bank "Russian Standard" without commission. If the funds are deposited before seven in the evening, then the write-off to pay off the debt will take place on the same day.
• Through the cash desk of Russian Standard Bank. Credit debt is written off at the expense of client funds the next day after payment.
• Via bank transfer. The commission is from one to three percent of the payment amount. The enrollment period lasts from one to three business days.
• With the help of postal transfer. The commission is one and a half percent of the payment amount. The enrollment period lasts up to three business days.
• Through the payment terminal. The commission is from one percent of the payment amount.
• Transfer by card number. The term for enrollment is up to three business days. The commission is equal to one and a half to two percent of the loan payment amount.
• On the Eleksnet website from a card or an electronic wallet. The term for enrollment is from one to three business days.
• Withdrawal from the "Bank in your pocket" card without commission.
• Through the cash desk of the bank's partners. The enrollment period is from one to three days.
• Payment through accounting. The enrollment period is fromone to three days.

Contributions

Opportunities and advantages of deposits in Russian Standard Bank:

• Getting the maximum stable income from placing funds in a credit institution.
• Availability of deposits with the possibility of replenishment with certain payments within a specified period.
• The ability to open a deposit with capitalization of interest in the deposit amount.
• Ability to make a deposit with monthly or quarterly payment of interest on it for the use of funds.
• There are deposits with the possibility of partial withdrawal of the deposit amount.
• The ability to choose a deposit for a period convenient for the client.
• Bank clients have access to deposits in national and foreign currencies.
• Convenient minimum deposit amount for ordinary citizens.

The client can make a deposit in a convenient way for him:

• Come to a bank branch, get advice and open a deposit.
• Go to the Internet bank, order "Bank in your pocket", get access to the Internet or mobile banking, open a deposit.

According to reviews of Russian Standard Bank, deposits are presented in a huge selection:

Deposit name	Amount, thousand rubles	Interest rate	Loan term, days	Interest payment	Replenishment	Automatic renewal	Card as a gift
"Maximum income"	30 to 1400	off6, 5 to 7, 0	91-360	Interest is paid to the client at the end of the deposit term	No additional contributions provided	+	+
"Pensionary"	from 10	7, 0	181-360	Interest is transferred to the client monthly	Possibility to make contributions within 90 days from the date of the deposit	+	+
"Rentier"	from 30	6.5 to 6.75	181-360	Interest is transferred monthly or quarterly at the choice of the depositor	Possibility to deposit money no later than 60 days before the end of the deposit period	+	+
"Comfortable"	from 30	5, 5 to 6, 5	91-360	Interest is transferred at the end of the deposit period to the client		+	+

Let's note a few important points about the deposits presented in the bank:

• Credit institution "Russian Standard" is a member of the state deposit insurance program.
• The client can, at any time convenient for him, receive information about the status of his deposit by phone.

Securities and investments

Bank "Russian Standard" customer feedback on the implementation of brokerage services receives excellent. Services to clients are provided on the basis of a brokerage service agreement.

Reviews

Clients of Russian Standard Bank reviewsand leave the following comments:

• The Bank is very active in lending to private clients and promptly restructures loans at the request of customers.
• The average rating for a credit institution for its work on a well-known banking portal is below two points.

A huge number of complaints are directed to unprofessional service at Russian Standard Bank. Revocation of the license, this information may provoke or not, interests customers. No, he can not. The license is revoked due to non-compliance with the standards set for credit institutions by the Bank of Russia or due to an overly risky policy.