Bank "Renaissance Credit": feedback from customers and employees

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

Before contacting the bank, each client asks a lot of questions. It is important to bear in mind that the conditions of some banks are being simplified, and they are ready to consider each client individually. If you meet the standard requirements, you can count on financing your purchases and plans under acceptable conditions.

Bank Renaissance Credit: customer and employee reviews

This financial institution was created on the initiative of the ONEXIM group of investors. It has been providing financial services to the population and legal entities since 2003. Today, the number of customers has exceeded 10 million people. There are 146 branches scattered throughout the country. Owns 89,928 points of sale. The coverage area covers 63 regions of the Russian Federation. The indicators tend to rise, as the bank is in the top 100 in terms of reliability.

Ratings

2017 ended with brilliant success. For example, in terms of return on assets, it ranked third among the hundred largest banks in the Russian Federation. 4th in terms of profitabilityplace.

Reviews about Renaissance Credit claim that it was one of the main creditors of Russians in 2017. Proof of this - 14th place in the ranking. It is impossible not to appreciate the contribution of the bank in the field of attracting funds from citizens. Thus, according to this criterion, the bank ranks 28th among 50 other institutions.

To reach such heights, any bank needs solid capital. "Renaissance" succeeded in this field. At the beginning of this year, it ranks 55th in terms of capital. Another important indicator for banks is the amount of net assets. In this part, Renaissance Credit took an honorable 5th place.

It cannot be said that the bank is proud only of these achievements. Awards, titles and prestigious places accompany him from the moment of opening. If you look at history, then in 2012 he was recognized as the company of the year. In the same year, the award for "Dynamism and Efficiency" was received.

Partners

Reviews about "Renaissance Credit" will be incomplete if you do not take into account the opinion of partners. First, by providing funds for business development, the company makes a direct contribution to the expansion of domestic companies. Secondly, it enables trading companies to increase sales figures by implementing a credit line for the purchase of a number of goods. Their incomplete list is as follows:

• "M-Video";
• "Connected";
• "Shatura furniture";
• Euroset;
• "DNS digital";
• SMEG;
• HOFF;
• Delta;
• RBT;
• Askona;
• Wellness center;
• "Citylink";
• "Build a giant" and many others.

Credits

Today, the bank provides citizens with funds for any needs up to 700,000 rubles. The maximum loan term is 60 months. The current interest rate is 11.3%. But depending on the amount, term of the loan and other parameters, the rates may be slightly higher. The maximum bet is 25.7%.

If you decide to become a Renaissance Bank client, customer feedback on loans will help you choose one of the existing financing programs. There are four of them:

1. For regular customers.
2. For pensioners.
3. For those who prefer low rates.
4. For urgent plans.

Regular customers of the bank can count on financing in the amount of 30,000 to 700,000 rubles for up to 5 years. The refund amount will vary from 11.3 to 25.7% per year. The same interest rates apply to retirees. Only the maximum amount for them is limited to 200,000 rubles.

Despite the convenience of remote settlements, receiving cash at the checkout is still relevant. According to reviews about a consumer loan in Renaissance Credit, the procedure for issuing a standard one is with a minimum of documents and as quickly as possible.

Those who care about moderate rates can count on a special rate - up to 25.1%. You can request any amount up to 700,000 rubles. If spontaneous plans appear, then Renaissance Credit is ready to support up to 100,000 rubles with borrowed funds. money canrepay within 5 years subject to interest rates ranging from 19.9% to 25.7%.

Who can receive?

Reviews of Renaissance Credit say that the institution does not approve of the traditional bureaucracy of the banking sector. Clients are waiting for the most simple requirements and transparent conditions. None of the items are outside the standard identification procedures. For example, to become a bank borrower, the client must meet the following requirements:

• The presence of a permanent job, where he has been working for at least 3 months by the time of application.
• If the place of residence is Moscow, then the amount of income each month must be at least 12,000 rubles.
• If we are talking about residents of the regions, then their monthly earnings should be at least 8,000 rubles.
• The need to have a permanent official place of work or residence in one of the regions of the Russian Federation.
• Citizenship of the Russian Federation.
• Age category - from 24 to 70 years old.

How can I get it?

If there is a dilemma whether to get a loan or not, then you should read the reviews about Renaissance Credit written by its customers. These are the people who have already used the services of the company and noticed the pleasant features of the service. For example, for the convenience of customers, there are two application systems:

1. At the company's website.
2. Personal visit to the nearest branch.

It should be borne in mind that among Russians there are citizens who are skeptical about the first method - filing an application remotely. The meaning of thissystem lies in its mutual benefit:

1. The client saves time and money for a visit, gets the opportunity to assess their chances at a distance.
2. The Bank saves money on the labor of specialists, which are also formed from the funds of the population.

The content of an online application is no different from a typical one. The only difference is mutual convenience.

Repayment

According to reviews about the Renaissance Credit Bank, it is very convenient to work with it, since the circumstances and preferences of each client are taken into account. For example, there is no need to waste time and go to the bank branch when repaying. For these purposes, many methods are provided, including both cash and non-cash methods.

• Qiwi terminals. Enrollment takes place within 1-2 days. The system charges a fee of 1.6%.
• If you need to deposit funds urgently, you should choose "Eleksnet" terminals. If it is not a weekend, then the funds are received within the same day. For speed, the system takes a commission of 1.98%.
• The Express Payments system will credit funds within 3 days. Commission - 1% of the total amount, but not less than 50 rubles.
• Regional Payment System - crediting period 1-2 days for 1% of the total amount.
• If you have time to wait 3 days, you can use Quickpay services. As a commission, 1% of the amount will be charged.
• Free cash desk works according to the same system.
• When repaying the loan at the expense of the Beeline balance, the crediting time will be 2 working days. Commission - 1%.
• Other networks inwhich the commission is 1%, and the time of enrollment is up to 3 days: Svyaznoy, M-Video, Technosila, MTS, Megafon, Eldorado, Atlant Computers, Contact, Rapida, "Golden Crown".
• Those who took cash at Renaissance Credit write in the reviews that there are even free repayment methods. To do this, contact the "Post of Russia" with a margin of time up to 5 days.
• There are also the bank's own terminals where you can send funds without commission and with instant crediting.

Repayment through other banks

According to reviews of the Renaissance Credit bank, the second convenience when repaying is that funds can be sent through the branch of any other bank. Here is their list and conditions:

• "SDM-bank" is ready to send funds within 1-2 business days with a commission of 1.5%.
• Kurgan Bank offers similar terms.
• For 1.2% of the repayment amount, you can send funds through MDM-Bank and Promsvyazbank. The term is similar.
• Vozrozhdeniye Bank will deliver any amount for 1% commission.
• "Interkommertsbank" takes 2% of the amount for crediting terms of 3-5 days.
• JSC "Chelindbank" will transfer any amount for 1% commission with crediting within 1-2 days.
• Transfer through Sberbank is in demand due to fast transfer - the next day and a minimum commission - 1%.

But in practiceThe most popular way is transfer from the card balance. If the card does not belong to the Renaissance bank itself, then the operation takes place at the issuer's tariff. In any case, the commission varies around 2% of the amount.

Contributions

Bank deposits remain a reliable way to save and increase funds. If there are free funds, then a deposit in a bank deposit will help to receive a stable income from them. Reviews of deposits in "Renaissance Credit" and ratings show high confidence on the part of depositors, formed over the years of cooperation. There are 4 types of deposits:

1. Investment.
2. Cumulative.
3. Profitable.
4. No borders.

Each type of deposits guarantees a stable income, a convenient management system through the Internet bank and a choice of ways to receive interest. We will consider the details in detail.

Investment deposits

The positive image and high levels of public confidence are due not only to customer reviews of Renaissance Credit loans. The reliability of the bank and the profitability of the conditions are achieved thanks to a well-thought-out policy towards clients.

Investment deposits are accepted in rubles. There are two types of interest rates on them: 8.25% and 8.5%. If the client prefers to open a small deposit, where the amount ranges from 100,000 to 1,400,000 rubles, then his money is charged at 8.25% per annum. Any amounts in excess of RUB 1,400,000 are subject to an annual rate of 8.5%.

Terms of deposits at the client's choice: start from 91 days and up to 731days (about 2 years). Options in between: 181 days - 6 months, 271 days - 9 months and 1 year, or 367 days.

Payment of interest is carried out by the method of capitalization at the end of the term of the deposit. In addition to a direct application, an investment deposit can be opened upon concluding an agreement with Renaissance Life and Vita Invest insurance companies at the Investor 2.0 and Heritage rates.

Cumulative deposit

Deposits in this financial institution are popular not only in Moscow, but also in other major cities of the country. This is evidenced by reviews of "Renaissance Credit" in St. Petersburg. It should be borne in mind that everyone who has free funds has the opportunity to open a savings deposit. The deposit account is multi-currency. In addition to rubles, dollars and euros are accepted. The maximum term for this tariff plan is 1 year.

The amount of the minimum deposit in dollars must be at least 500. Dividends vary from 0.25% to 0.50%. If the deposit amount starts from $ 25,000, then the rates will be within 0.50 - 0.75%.

The minimum threshold for deposits in euros is 500. The rates do not depend on the duration of the duration - 0, 15%. For amounts over EUR 25,000, 0.40% is charged for any period.

Rubles will bring the most benefits. You can count on dividends in the amount of 6.55 - 7% when placing money in the amount of 30,000 rubles or more.

Profitable

The type of income deposits is distinguished by higher dividends on foreign currency investments. The account is not replenished, debit transactions on it are excluded. Interest accruescapitalization method. If the client does not inform about his intentions in advance, then after the expiration of the term, the contract is automatically extended for a new term.

In this direction, the maximum dividend is 7.50% in rubles and the minimum is 0.25% in euro.

No Borders

How to determine the reliability of the bank? According to customers, first of all, you should pay attention to the experience of other customers. For those who have not yet used the services of Renaissance Credit, customer reviews on loans and deposits will help you make the right decision. For example, deposits in this area can be opened for any amount over 1000 rubles. It will accrue dividends in the amount of 6.50% per annum.

If USD is preferred, any amount over $100 can be placed. The maximum deposit term in this direction is 181 days, or 6 months. During this period, the client can replenish the deposit for any amount. If you need money, you can spend it up to the minimum balance - $100.

Euro deposits are subject to similar rules. Only the interest rate differs. It is equal to 0.15%.

Cards

Reviews about Renaissance Credit cards deserve detailed consideration. They provide unlimited financial opportunities and prestige. Cards are issued free of charge. Their names:

• Master Card from "Renaissance Credit" with free service.
• Master Card "Shokoladnitsa" - allows you to receive 10% discounts in the network of coffee houses "Shokoladnitsa".
• Master Card"Kinohod" - for movie lovers. They receive a 10% discount when paying with a card to go to movies.
• Master Card "March" - gives discounts on women's joys.

Credit limit in all cases up to 200,000 rubles. All citizens of the Russian Federation, whose age is from 21 to 65 years old, who are officially employed and have permanent registration in one of the regions of the Russian Federation, can become owners. The application can be made online or made in the branch.

Reviews of Renaissance Credit credit cards note their attractive conditions and pleasant bonuses. For example, all cards have a free credit period of 55 days, during which no interest is charged on the amount. There is a bonus program. Refunds when paying online can reach 100%. In addition, cardholders receive discounts in many popular establishments that have partnerships with Renaissance Credit Bank. The card balance can be replenished in the same ways as when repaying a loan.

Internet banking

It is not easy for residents of big cities to find a free couple of hours during the working day. The ability to use online services successfully solves this problem. The introduction of online banking into the banking system has been one of the industry's great achievements.

Services provided through Internet banking are no different from real services. We can say that this is a virtual version of the bank itself. With it, you can:

• Manage your accounts.
• Repay loans.
• Apply forcredit.
• Pay for purchases and services.
• Open deposits.
• Get your questions answered.

Online banking can be used in two ways: a special mobile application for phones and a typical website. They differ from each other only in the user interface. The reliability of information is guaranteed by the international security system in the banking sector 3D-Secure. When working with this system, all operations and actions are confirmed through the client's mobile phone.

Debit cards

There are two types of debit cards available to users:

1. Master Card "Renaissance Credit".
2. Master Card "March".

The first type of cards provides a lot of useful features, among which are the accrual of 7.7% on the balance of funds on the balance sheet, discounts when paying with a card in outlets - bank partners and the possibility of free replenishment of the balance.

In reviews of Renaissance Credit cards, they note a pleasant opportunity for a refund of 6% when buying jewelry. This service is available for holders of Master Card "March". Also, for each purchase on the card, bonuses are automatically credited. Accumulated bonuses can be used when purchasing other goods.

Reviews of the Renaissance Credit debit card emphasize its convenience and maximum benefits when making purchases. The procedure for obtaining is simple. Those who wish must provide a standard package of documents, including a passport, a certificate of employment and a completed application. The service is available to everyonecitizens of the Russian Federation who are in the age category of 21-65 and have a stable job.

Bank career

Working in a bank is the dream of many beginners. In addition to prestige and a decent salary, working in a bank gives a tremendous experience in developing professional and personal qualities. A close-knit team instills a spirit of unity and motivates for further development. According to the feedback from Renaissance Credit Bank employees, a career in this institution is not limited to these benefits.

The organization is conducting a stable HR campaign aimed at the comprehensive development of employees within the company. She is ready to accept ambitious, energetic and sociable people into her team.

In the reviews, employees of Renaissance Credit say that the bank has its own training center with a unique program. Employees have the opportunity to develop through face-to-face training or remote programs on the job. If an employee prefers individual work, then he has the opportunity to grow as a specialist with the help of training videos.

Many young professionals believe that you can get a job in a bank only with extensive work experience or several higher educations. But the HR department of the bank prefers an individual approach. If a person is purposeful, hardworking and open to new knowledge, he can start a career in a bank, regardless of other conditions. The bank employs both experienced professionals and beginners. Each of them has great opportunities for career growth. Direct evidence of this is feedback on work in"Renaissance Credit" from employees.

The Bank welcomes innovative proposals and initiatives coming from managers. A new employee starts work after the conclusion of an employment contract drawn up in strict accordance with the Labor Code of the Russian Federation. The further procedure for its activities is regulated by this agreement and internal banking regulations. He receives a full social package, monthly social and insurance contributions, paid vacation and sick leave.

Customer Policy

What is the most important thing for customers in banking services? Someone prefers high dividends from deposits, someone prefers moderate interest rates on loans. Some companies that are not only in the financial market usually prefer to focus on one product, for example, offering it in more attractive conditions. And the costs of implementation are offset by other additional products. In the banking sector, one can also observe the following picture: rates are lower, conditions are tougher or loans are cheaper, terms are tougher.

According to the feedback from Renaissance Credit customers on cash loans and non-cash loans, the bank pursues an honest policy focused on the interests of customers. They have access to a wide range of services, ongoing support, bonus programs, promotions and gifts for the holidays. All actions of the bank are regulated by the relevant laws of the Russian Federation, headed by the Federal Law "On Banking" and other regulatory documents.

Customers will be required once a year to update personal information provided to the bank when obtaining a loan or openingdeposit. This procedure is declared by Federal Law No. 115 of 2001. If during the term of the banking agreement the client has changed any personal data (surname, place of residence or registration, TIN, phone number, place of work and e-mail), then he must inform his credit consultant about this.

Support

Reviews about Renaissance Credit Bank say that the institution has a transparent client policy. This is evidenced by the availability of all documents, materials and information in the public domain. Customers can receive information in several ways:

• on the bank's website;
• by calling the free line;
• visiting the nearest bank branch;
• by sending emails.

Information customer support is one of the priorities for the bank, the system works without interruption. If you contact the bank in one of the following ways, then not a single question will remain unanswered.

If there are special wishes, requests or intentions to help improve the bank's work, then there is a special form on the corporate website where you can specify important information. For information about the availability of the nearest bank branch or terminal, please call the free support line.

The main office of the bank is located in Moscow. Since the beginning of the activity to the present, the system of work has undergone many changes, but the quality of customer service and policy transparency remain at a high level. This is evidenced by the bank's membership in the SWIFT community. In spite ofyoung age, he managed to win the trust of tens of millions of citizens, and the professional team does not intend to turn off this path.