Banks-partners of UniCredit Bank. List, addresses

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

The modern banking system resembles a web: all financial institutions are closely intertwined, have correspondent accounts, joint ATM networks and perform two-way transactions.

If you are looking for information about UniCredit Bank, addresses of its branches, as well as information about who it cooperates with, then this article is just for you.

A little about the bank

JSC UniCredit Bank, operating in Russia since 1989, occupies a leading position in the financial services market. It should immediately be noted that it is the largest among those institutions that have foreign capital. All shares are owned by UniCredit Bank Austria AG headquartered in Austria.

He is one of the largest banks in Russia, playing an important role in the financial and economic life of society.

What services does it provide?

Since UniCredit Bank is one of the biggest players in the banking services market, the list of its financialproducts is quite wide. These are loans, deposits, acquiring, settlement and cash services and much more.

If we talk about deposit programs, the bank's policy does not go beyond the average framework of established market norms. For example, for 3 months for a deposit in rubles - about 9.3%. Of course, you can easily find financial institutions that offer 3-4% more than UniCredit Bank. St. Petersburg is no exception, here you can also find bank branches that offer higher rates.

Market policy is the same as all major banks with foreign capital

But you can see the trend and market conditions under which all banks that have foreign capital offer cooperation. Since they are financed in foreign currency, they do not need a high need for cash from the US or the European Union. This is reflected in low rates on deposits in dollars or euros (about 1-3%).

Meanwhile, relatively low rates can be observed. Why? There are at least two reasons for this.

The first is the total cash flow. Since such banks are represented in many large regions by a wide and developed network consisting of branches, offices, ATMs, they can afford to accumulate a large cash flow from all over the country.

This allows you not to be focused on a certain category of clients or on the principles of a regional economy that depends on the infrastructure and industrial development of the area in which the bank has a presence.

There is no point in attracting new customers by changing rates - image plays a role

Due to this, you can collect money from everywhere and from everyone. Thus, the amount of deposits increases quite simply. After all, somewhere there will always be people who do not want to earn money on their deposit, but simply want to keep their money in a safe place.

The second is the image of a bank that belongs to a foreign financial group with a high image. Of course, people trust such institutions more and are ready to give them money, considering them a reliable place to store their savings.

After all, who do you want to give your money to - a bank that exists for one week or a large financial group that has been operating for many years and is represented in a certain number of foreign countries?

After all, foreign capital is protected from the political situation or problems of the economy of one country, since, if necessary, financial resources can be easily transferred from outside.

All this contributes to the fact that large banks that are part of an international financial group do not need to conquer the market by increasing the offered rates on deposits.

Mutually beneficial cooperation

The issue of partnership with other banks, despite the excellent positions, is one of the priorities. In this article, you will learn what UniCredit Bank's partner banks are, how to take advantage of a wide partner network and other benefits of such bankingties.

Often, banks agree on cooperation in order to increase the number of active customers. Typically, such cooperation is manifested in the combination of ATM networks, making payments at preferential prices, as well as the joint maintenance of several financial services.

Which are the partner banks of Unicredit Bank?

Due to the fact that this bank is part of an international group, it is great for customers to travel abroad, as there are many connected banking institutions.

So, the UniCredit group is represented in 14 European countries, such as Austria, Bulgaria, Hungary, Germany, Italy, Poland, Turkey, Ukraine, etc. That is, even while traveling, you can use ATMs and bank services on preferential terms.

If we consider on the scale of the Russian Federation, then the partner banks of UniCredit Bank are as follows:

• URALSIB Bank;
• Moscow Credit Bank;
• Raiffeisenbank.

What gives such cooperation? First of all, a wide network of ATMs is available to customers, in which it is possible to withdraw money without a commission: about 1000 of their own, more than 2680 pcs. has URALSIB, about 900 pcs. from the Moscow Credit Bank, more than 7000 pcs. accounts for Raiffeisenbank.

It turns out that the clients of JSC "UniCredit Bank" have access to a network of more than 10,000 ATMs, where they can be serviced at "home" tariffs. That is, the commission charged for operations is the same as it would be in itsfinancial institution.

It turns out that including the partner banks of UniCredit Bank, the customer service network is quite large, and wherever you are, there will always be an opportunity to use banking services.

Banks love to cooperate with insurance companies as well

The main advantage of such cooperation can be considered agency, which the bank receives for attracting new customers under the auspices of the insurance company. In this case, cooperation is beneficial to both parties.

Firstly, the client base will immediately expand, because the bank has a lot of opportunities to offer its customers insurance - a new or old loan, cross-selling to other banking products and others.

Secondly, the insurance company will not need to "produce" a lot of its representative offices throughout the city. It is enough just to establish a mobile connection with the bank.

For all this, the bank takes a certain percentage, which is called the agent's premium. UniCredit Bank, whose partner insurance companies have established active cooperation, also earns money from this, and quite good, given the large number of contracts concluded.

And there are really a lot of partners among insurance companies, and very different ones. The following most famous ones can be distinguished: Ingosstrakh OSAO, Rosgosstrakh OJSC, AlfaStrakhovanie OJSC and many others.

Where can I find bank branches?

Because this financial institution is large enough for a Russianmarket, branches are present almost everywhere. UniCredit Bank, with branches in 25 regions of the country, is present in 69 cities.

And in each of them you will find not one, but several or many branches, ATMs and offices, which makes the bank closer to each client. Wherever you live, you can always find UniCredit Bank nearby. St. Petersburg accommodates 15 branches and offices of this financial institution. This is quite a large number of branches, especially in comparison with other banks.

It is logical that in Moscow, the capital of Russia, which is the financial center of the country, there are more representative offices from such a financial institution as UniCredit Bank. Branches can be found both on Prospekt Mira, 97, and st. Ostozhenko, d. 5. These offices are given as an example as one of the most popular.

Even if you live in Rostov-on-Don, you can easily find UniCredit Bank. Addresses of popular branches are as follows: st. Socialist 58/51 and st. Tekucheva 139/94.

Even if there is no such bank in your particular city and you think that you will not be able to withdraw money from an ATM without commissions, then do not worry. UniCredit Bank's partner banks in Russia will help you out. As mentioned earlier, in the unified banking network, transactions at their ATMs are charged in the same way as in the own machines of the financial institution serving you.