"Qiwi Bank": reviews of users and employees, list of services

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

The banking system is constantly evolving: new elements appear in it that attract millions of customers. Successful companies are those whose activities differ from others. One of the new, promising trends in the banking environment is Qiwi Bank. Despite its short existence, the network already has reviews about Qiwi Bank from both employees and customers of a financial institution.

Company introduction

"Qiwi Bank" started its activity in 1993 as one of the leading processing centers in Russia. The basis of the company's activity, unlike most Russian banks, is the implementation of payment transactions.

But this does not mean that Qiwi Bank only offers customers to make payments. Users can open deposits and plastic cards, use an installment payment card, transfer funds to theirrelatives and legal organizations. But the basis of Qiwi Bank's activities are transactions.

Earlier the bank was called "1st Processing". Some experts believe that the former name more fully reflected the specifics of the activities of a financial institution. Many customers who have an online wallet or Qiwi debit card still do not know that they are bank customers.

Processing operations brought Qiwi Bank more than 69 billion rubles in 2017. The Bank carries out transactional operations based on the Contact payment system. In 2017, the company's activities expanded due to the accession of the non-profit organization Rapida to the QIWI group, the rights of which were completely transferred to Qiwi Bank.

On the capital and virtues of Qiwi Bank

Reviews about Qiwi Bank indicate that even a narrow specialization in the banking sector can bring financial success. Currently, the bank's assets amount to more than 34 billion rubles.

The main profit is the commission for making transfers and payments. The commission is charged both in the company's self-service devices and online services.

"Qiwi Bank" is one of the leaders in the processing environment in Russia. There are currently over 53 million active online wallets. Reviews of Qiwi Bank confirm the convenience of this format: online wallets allow not only to store funds, but also to make payments andtransfers.

Commission charged by the company competes with the offers of banks when paying utility bills and other regular bills. Some services, for example, cellular communication and the Internet, the owners of online wallets can pay without commission.

It is allowed to open bank cards with a single online wallet account, which greatly simplifies its use. In this format, customers can withdraw cash from their Qiwi Bank account at any ATM in Russia (but with a fee).

Many bank products, such as the "Conscience" installment card, are very popular with customers. Such offers are the best way to conquer the market and get rave reviews about Qiwi Bank.

How to become a bank customer?

The peculiarity of the bank is the absence of standard offices. The head office and operating offices are located in Moscow. At the same time, there are more than 150 thousand points of Qiwi Bank in Russia. These are terminals where customers can make transactions 24 hours a day, seven days a week.

In Qiwi Bank terminals, you can not only put money on your cell phone and pay for the Internet, but also make a transfer to an account in another bank or a plastic card, deposit funds to online wallets, pay for utilities, to state services and other organizations.

Everyone who uses terminals is a client of a financial institution. But the list of users is far from limited to this. The first customers are thosewho has an e-wallet "Qiwi". This is an online storage and payment service that does not require registration documents and is absolutely free.

List of Qiwi Bank services

As a banking organization, Qiwi Bank offers its customers the following types of services:

• issuance of bank cards;
• opening deposits;
• payments to legal entities and individuals;
• settlement and cash services;
• currency transactions;
• online services and internet payments.

Description of Qiwi Bank products

Most of the bank's customers are owners of online wallets. With the help of a wallet, you can not only make regular payments, but also store funds, send transfers, pay off credit debt, and pay contributions to the accounts of government organizations.

Bank debit cards are not so popular. More than 4/5 customers open them to make it easier to use the online wallet.

The main debit product of Qiwi Bank is the QIWI payWave card. This is a plastic carrier that has a joint account with the client's wallet. The card is paid, the client must pay 199 rubles for registration. Service is provided free of charge for the entire period of use - 3 years.

QIWI payWave provides customers with the opportunity to receive cash at any terminal. Withdrawal is made with a commission - 2% of the amount + 50 rubles. Replenishment of the card in the terminal is free, when transferring from other cards - withoutcommissions in the amount of 1000 rubles or more.

Users can use their QIWI payWave debit card to pay abroad. Commission in foreign currency - 0%, in rubles - 2.5% of the purchase amount. This is a convenient way to pay from an online wallet account without losing your own funds.

Another way to save money for bank customers is to issue an installment card "Conscience". This is the most popular product of Qiwi Bank in 2017, not counting the opening of online wallets. The network has reviews of Qiwi Bank employees about Conscience, as well as the opinion of customers who have already used the card.

Not all reviews about the card are positive, but in most cases customers are satisfied with the unique product of Qiwi Bank. In addition, installment cards are still gaining popularity in the Russian market. Now only the Khalva installment card can compete with Conscience. The rest of the debit and credit cards of other banks, with cashback and bonuses, cannot boast of a complete absence of commission when making purchases from a credit limit.

Installment card "Conscience": product advantages

This is a unique means of payment that combines a credit card and a debit card. Product Feature:

• issued within 5-10 days;
• suitable for payment both in regular outlets and online stores;
• progressive credit limit - increases with constant use of the card without delay;
• more than 20 thousand partners inthroughout the country, the list is constantly growing;
• installment plan 0% up to 12 months;
• free release and maintenance;
• credit limit up to 300 thousand rubles.

The main advantage is 100% no commission if the installment card is used correctly. When paying in partner stores, customers do not have to worry about interest - they are paid to the bank by the store. Owners simply need to deposit funds until the limit is fully renewed within the specified installment period.

The network has numerous reviews of Qiwi Bank employees in Moscow about how popular the banking product is now. Every 3rd client of the bank is aware that a new unique offer has appeared on the market. And almost every 10th wants to get an installment card with free annual service.

Such popularity does not pass without a trace. Data about the shortcomings of the card has already appeared on the network, which are also noted by customers in their negative reviews on the Internet and on the bank's website.

Is it convenient to use the card? The opinion of the owners of "Conscience"

Reviews about the Qiwi Bank installment card regarding the convenience of its use are positive in 89% of cases. Customers like that they can pay at more than 20,000 outlets, including online stores. Even those who are new owners have already managed to appreciate the convenience of installment plan.

With skillful handling, the client does not spend a penny of his own funds on interest to the bank. And for this, it is enough just to comply with the limits set by the company.

It is important to remember that each partner has their own time frame. For example, in the Perekrestok supermarket chain, customers are provided with an installment plan for 1 month, and the M. Video trademark makes it possible to split the payment for 4 months without overpayments.

Besides, if the owner does not want to think about installment terms, he can activate the special "Ten" option, within which 10 months are given for purchases from all partners. The option is paid - 599 - 999 rubles, depending on the connection option.

Reviews of installment card holders

Despite the obvious benefits of the product, customer reviews of the Qiwi Bank card "Conscience" in the network are not always positive. And there are several reasons for this:

• Previously, card service was paid. The client was charged 290 rubles during registration in the first year, then it was necessary to pay 590 rubles each. Those who issued cards at the beginning of the product launch cannot change the tariff plan and are forced to pay for the service of the installment card until now.
• The declared limit is almost not approved by anyone. Users complain that after considering the application, they receive a "Conscience" card with a very low limit of funds - 5000 - 25000 rubles. More than 90% of owners do not like this credit limit.

In the list of shortcomings, many also include the work of a courier delivery service. Reviews of the Conscience of Qiwi Bank in this area are reduced toemployee incompetence. Couriers who accept an application for "Conscience" often did not fully advise customers about the possibilities of the card. And the limit stated by the users was not approved in most cases, and no one notified them when handing over the card.

Why do customers complain about the work of Qiwi Bank?

Despite the fact that Qiwi Bank is mainly engaged in transactions, many customers are dissatisfied with the company's work. Most of the complaints are related to problems in using online wallets. For example, the network has customer reviews about Qiwi Bank, which describe cases of unauthorized account blocking. Moreover, every 6th client has such problems repeatedly.

In addition, cardholders are not always satisfied with the bank's tariffs. More than 4/5 reviews are related to the use of a popular product - the "Conscience" installment card.

Difficulties in obtaining a card, low limits instead of 50-100 thousand rubles declared by customers, lack of consultation - this is what repels many cardholders from Qiwi Bank.

Problems for every 3rd client begin with the stage of filling out an application. Applications submitted via the Internet, in 87% of cases, were considered longer than those that customers made in mobile shops or other points of sale of the product.

Good things about the company

Despite the negativity expressed by some customers about the work of "KiwiBank", most of the users speak positively about it. Every bank has technical failures, as well as problems with delays in funds or the provision of a check in terminals. But this does not mean that the bank cannot be recommended to your friends and use it constantly.

On the contrary, Qiwi Bank was one of the first in Russia to promote online services and payments. The number of transactions in the QIWI system is always in the TOP-10 among Russian processing centers.

The number of officially registered online wallets is constantly growing. In 2017, more than 53 million customers of Qiwi Bank were registered in the Russian Federation. Only the largest online banks in the country, such as Sberbank and VTB, Tinkoff and Alfa-Bank, can compete with such indicators.

Customers note that QIWI does not require confirmation of data when opening an account on the Internet. All you need to do is enter your mobile phone number and create a password. This is convenient if the user wants to make payments for small amounts, for example, to top up mobile communications.

More complex transactions require identification, which is completed within 24 hours. Only the data of the client's passport is enough. Fast service, convenient format and low commission are the basis of Qiwi Bank's transactional business, which brings the company billions of rubles annually.

Terminals "Qiwi Bank": reviews of customers and employees

Almost every resident in our country at leastonce in my life I used the Qiwi Bank terminal. More than 150 thousand outlets across the country have made the bank one of the leaders in the transaction sector.

In Qiwi Bank terminals, you can not only pay for services, but also deposit funds to your wallet, replenish a plastic card and pay off credit obligations.

Reviews from Qiwi Bank clients about the operation of terminals are 70% positive. Users are satisfied with the size of the commission offered by the company and the convenient location of the machines. Almost every major center in the city has a Qiwi Bank terminal.

But the operation of terminals does not always provide customers with 100% comfortable service. The network has reviews from Qiwi Bank employees about the operation of devices that describe frequent customer complaints. Most users are not satisfied that terminals often do not issue checks. At the same time, there is no possibility to re-print the document, which is inconvenient when paying for significant transactions, such as loans.

Reviews about the Qiwi Bank credit card, which can be replenished in the organization's devices, also meet with a description of a specific problem - a long receipt of funds to the account (more than a day). For a bank that is the issuer of the product, this is a very long time. In most credit institutions, for example, Sberbank, when depositing through terminals, funds are credited to the credit card account within 4-6 hours, and in 15% of cases - within 2 hours from the moment of deposit.

Reviews about "Qiwi Bank" inVoronezh showed that the operation of the terminals periodically fails. Most often this is due to software updates while customers are using the device, but other problems also occur. For example, the employees themselves complained that it was not always possible to qualitatively identify the difficulties encountered by subscribers who turned to the support service for help.

But despite all the problems, more than 65% of customers are satisfied with the operation of the devices. About 1.2 million Russians use terminals daily. Such a volume of operations provides the company not only with a stable profit, but also with credibility in the market of processing services.

Besides, the list of services that customers can perform in Qiwi Bank terminals is constantly growing. This allows users to save money and make transfers and payments at self-service devices at any time.

Individual entrepreneurs and legal entities can install a terminal for themselves and employees on the territory of their enterprises. This service is provided by the management of Qiwi Bank.

Inside opinion: what do Qiwi Bank employees think about the company's products and work?

Employee reviews of the Conscience card of Qiwi Bank are positive in 98% of cases. Employees of the company almost always respond positively to the products they offer. Of course, unlike most Russian banks, the services and products of Qiwi Bank can only be issued online, at points of sale or by calling the hotline, and not at the company's offices. But this is the ideal way to work.for those who do not like the situation "within four walls".

As in any commercial organization, work in Qiwi Bank is built taking into account the fulfillment of planned targets by employees. One of the criteria is also high-quality consultation of clients about new products and attraction of new users. Such conditions are suitable for ambitious and active workers who are not afraid to prove themselves and are ready to give themselves completely to their work.

Not everyone can handle such conditions, as evidenced by the feedback from employees about working at Qiwi Bank. Those who failed to prove themselves complain of lofty plans and harsh bosses. But most of the negative feedback comes from employees who did not want to become part of a single developing system.

For example, in Voronezh there are many vacancies from Qiwi Bank. Required professionals such as managers of the information center or sales of financial products. The salary offered by the company is able to compete with similar offers on the market, and is at least 24 thousand rubles.

The feedback from Qiwi Bank employees in Voronezh is similar to the opinion of employees in other cities: the work is interesting, but not everyone can do it. Here it is realistic to achieve an increase in 3 months, consistently fulfilling the targets and management requirements.

Negative moments at work: what do employees not like?

Of course, as in any team, there are cases when employees were not satisfied with the behaviormanagement or working conditions. But most of those who chose to sell offline, for example, through a contact center, appreciated the format proposed by the employer, despite occasional difficulties and misunderstandings.

Negative feedback about working at Qiwi Bank in Voronezh comes from those who do not take active steps, refuse to develop in the system of promoting banking products and do not see themselves in the future in this environment. The rest of the employees are interested in the prospects offered by the employer and are determined to perform the required tasks. Their feedback on Qiwi Bank in Voronezh as an employer is extremely positive.

Such employees note that, despite the hard work, the employer provides a social package and decent wages, always transfers wages on time and guarantees care for employees. Since 2016, more than 1/5 companies in Russia have experienced periodic difficulties with the transfer of wages to employees, so in this regard, Qiwi Bank can be considered a reliable employer.

Recommendations for new employees of Qiwi Bank

Reading the numerous reviews about working at Qiwi Bank, new applicants may doubt the decision to try their hand at this field. But before you agree or refuse, you need to weigh the pros and cons. Of course, work in the banking sector is not easy, but now almost every commercial organization has a sales plan that is mandatory for all employees. If an employeewants to secure a decent future for himself, he should not be afraid of such difficulties.

Feedback from Qiwi Bank employees who have been working in this area for 3 years or more is positive in 89% of cases. 8 out of 10 reviews are advisory in nature. What is indicated in the positive reviews about the work of Qiwi Bank (when describing it as an employer):

1. Timely payment of wages.
2. Social benefits.
3. Career prospects.
4. Comfortable working conditions (in the office).
5. Young and friendly team.
6. Fast and fun learning.
7. Expanding horizons and financial literacy.

Besides this, employees also give warm feedback about the products offered to customers. According to sales leaders, the basis of a successful dialogue with the client lies in the correct presentation of the product and knowledge of its advantages.

For example, in the reviews of Qiwi Bank employees about Conscience, there is information about new partners and cases of participation in the company's unique promotions. Moreover, offers in the form of cashback and other advantages are regularly updated, enabling customers to participate in several promotions at the same time or choose the most suitable options for themselves.