Sauber Bank: customer reviews, services, loans, deposits, interest rates and payment terms

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

Reviews about Sauber Bank are of great importance for all customers who are considering using the services of this financial institution. How real users relate to it is important to know for both individuals and legal entities. In addition, potential employees are also interested in their impressions of working in the company. This is a fairly large bank, in which a large number of various vacancies are open almost all year round. Therefore, many can find a job in their speci alty here.

About company

Reviews about Sauber Bank are very different, in order to understand them in detail, we will first tell you about the history of the company itself, when it appeared, what services it can provide at the present time.

Joint-stock company "Sauber Bank" was founded shortly after the collapse of the SovietUnion, in 1992. It appeared on the basis of one of the financial institutions that were part of the extensive system of Promstroybank with a 75-year history. For a long time, corporate traditions have already been formed in the company, which provided it with exceptional authority in the financial services market.

In 2012, the company carried out a full-scale rebranding, which resulted in the bank getting a new name, by which it is known to everyone today, as well as a significant increase in its capital by attracting additional issues and shares.

The official opening of the renovated office of Sauber Bank in St. Petersburg took place at the end of 2012. It is currently located at 25/2, Bolshoy Prospekt of the Petrogradskaya Side.

At the next stage of development, its own division was opened in Moscow, soon other regions began to appear in the geography of this financial institution. The systematic growth of capital made it possible to provide customers with fundamentally new opportunities in the field of lending, the customer base has grown significantly, while it has been possible to minimize the risk due to the diversification of the loan portfolio.

The Bank provides services for individuals and legal entities. Separate conditions are provided for corporate clients. In particular, they can count on an individual approach when lending, providing services in the field of settlement and cash services in foreign and domestic currencies, when renting safes, issuing plastic credit cards, remote servicing, currency control,making payments using a customs card.

Individuals are provided with services for placing their free funds on deposits, they can also rent safe boxes, receive car loans and cash loans, carry out foreign exchange operations and bank money transfers.

Credits

In customer reviews of Sauber Bank, individuals note that, most often, they turn to a financial institution for lending services. For example, you can take out a loan for a new or used car.

When purchasing a used car, you will need to make an initial deposit of up to 80 percent of the cost of the car (in this case, options are possible when the payment is not required at all), the loan is issued on two documents, including a passport and a driver's license. A preliminary decision is made within one hour. After that, the client has thirty days to find a car that meets his requirements. It is important that the company ensures the safe processing of the transaction.

There are certain requirements for the borrower. He must be a citizen of the Russian Federation at the age of 21 at the time of the conclusion of the loan agreement. At the same time, at the time the agreement expires, he should be no more than 65 years old (for women - no more than 60). He must carry out his labor activity in the regions where branches and departments of the bank are represented. It is required to provide information on official employment, which can be confirmed by the presence ofcorresponding entry in the work book or concluded employment contract.

Continuous work experience at the last place of work must be at least three months, if a loan is issued for more than 1.2 million rubles, then at least six months.

When making this agreement, you must provide a completed credit application, a passport of a citizen of the Russian Federation and a valid driver's license.

According to customer reviews of Sauber Bank about car loans, loans for new cars are popular. In this case, you can count on an amount of up to one and a half million rubles at an interest rate of 12.5 percent per annum. The term of the loan will be from one to six years.

A cash loan is issued for up to three years within a quarter of an hour after applying. The decision is valid for one month, and you can find out about the result in an hour after submitting all the necessary documents. Early repayment may be subject to additional fees and commissions. The only fundamental condition is that the borrower must live in St. Petersburg or the Leningrad Region. He can count on an amount from thirty to 299 thousand rubles.

If you take a loan secured by a car, the maximum amount increases to one and a half million rubles, and the loan processing period grows to five years.

Contributions

According to customer reviews of Sauber Bank, many prefer to open deposits here, asrather high interest rates attract them.

The company offers six types of deposits that should satisfy any customer needs. On the "Sauber - Fortune" deposit, the user is offered convenient and favorable conditions for storing and growing savings. It is noteworthy that the conditions of the deposit provide for its early termination at the request of the client.

The minimum deposit amount is one hundred thousand rubles, the base rate is 7.55 percent per annum, in case of early termination it is reduced to 5%. Capitalization of interest and additional contributions are absent. Interest is paid monthly, auto-renewal is provided.

When making a deposit "Sauber - Fortune Long" for a period of more than three years, the base rate increases to 7.65 percent per annum. In case of early termination, it will be 5.7%.

If the two previous deposits were opened only in rubles, then "Sauber - Currency Growth" is intended for foreign currency. The minimum amount is one thousand dollars or euros. The base rate for more than three years will be 0.2% per annum if you keep your money in dollars. And if in euro, then the rate will be 0.01%.

Deposit "Sauber - Infiniti" opens from the amount of one hundred thousand rubles at a rate of 7.85 percent per annum. Interest is paid monthly to the card account on a certain date, which corresponds to the date of conclusion of the agreement with the financial institution. When servicing this deposit, a Visa Infinite card is issued to the client.

The contribution "Sauber - VIP Classic" assumes the maximumincome with the ability to spend money, as well as early terminate the contract with minimal losses. You can open it with a minimum amount of five million rubles at seven and a half percent per annum. At the same time, if the contract is terminated after more than six months, the rate is reduced to six percent per annum, and if even earlier, then to 3%.

Finally, there is the "Sauber-Partner" contribution. It is intended for customers who have deposits closed from November 1 to December 28, 2018. In this case, users can count on special favorable conditions. With a minimum deposit amount of one hundred thousand rubles, they are provided with a rate of 7.8% per annum when making a deposit for three years. If the contract is terminated early, the rate is reduced to 7.4%.

Currency exchange

Currency exchange at Sauber Bank, according to customer reviews, is also very popular. This opportunity is provided by seven branches of the company located in different parts of St. Petersburg:

• At the head office at 25/2 Bolshoy Prospekt Petrogradskoy storona (near Chkalovskaya metro station).
• On Marata street 56-58/29 (metro station "Ligovsky prospect").
• Komendantsky proezd, 16, building 1 (metro station "Komendantsky prospect").
• Ligovsky prospect, 57-59 (Ploshad Vosstaniya metro station).
• On Bela Kun street, 8 (metro station "Mezhdunarodnaya").
• Moskovsky prospect, 167a (metro station "ParkVictory").
• Prospect Ispytateley, 35 (metro station "Komendantsky Prospekt").

In reviews of the exchange at Sauber Bank, many talk about the benefits, and why people prefer to make currency transactions here. There are several reasons for this.

Currency can be changed without commissions, and the single rate does not depend on the amount of the transaction. A service is provided for the exchange of banknotes of large denominations for smaller ones, which is especially important before going on vacation abroad. Seven currency exchange offices are located in different parts of the city, which allows you to choose the most convenient one, which will be closest to your place of work or residence. Currency exchange is carried out on a daily basis. There is also an appointment service for such transactions. True, it is provided only in three offices: on Bolshoy Prospekt of the Petrogradskaya side, on Marata Street with an amount of fifty thousand units of currency and on Ligovsky Prospekt with an amount of ten thousand units of currency.

Reviews of Sauberbank foreign exchange customers acknowledge that these benefits set this financial institution apart from most companies in the industry.

Cell rental

Many customers use the safe deposit box rental service. This is a proven, reliable and universal way to save any value.

Users are provided with a large selection of cell sizes, various rental periods, the possibility of online booking of this service immediately on the site, as well as the rental of a safemultiple tenants.

For individuals and legal entities, when concluding a contract for a year, a twenty percent discount is provided, and when renting a cell for a period of six months, upon presentation of a bonus card of the Sauber Club loy alty program, there is an opportunity to receive a 30 percent discount.

Minimum rental period is one week. The rental price is from 15 rubles for one day.

Other Services

There is talk about other services provided by this financial institution, then customers can count on the issuance of bank cards. This is necessary for a comfortable and modern method of payment, which allows you to conveniently pay for services and goods without having cash with you. The company is a member of the largest international systems MasterCard and VISA. According to the reviews of cards in Sauber Bank, customers note a wide range of plastic media, which includes various options - from classic to privileged.

Clients of this financial institution can make transfers and payments. To send a transfer, you must provide the recipient's bank details, present a document confirming your identity, and fill out an application in which you indicate the amount of the transfer and the amount of the commission.

When receiving a transfer, you will need to open an account for its crediting, check with the sender for detailed information about the transfer date and amount, contact the bank offices with a document confirmingidentity.

Commission for a transfer without opening an account in rubles will be two percent of the amount (minimum one hundred rubles). When making a transfer in foreign currency, the commission will be one percent of the amount, but not less than fifty units of currency.

It is worth noting that for regular customers there is a program "Sauber Club". This is a bonus loy alty program that involves a system of rewards for regular users of banking services. Participation allows you to accumulate bonus points on a special card, which can be issued at any branch of the bank.

The card allows you to write off accumulated bonuses to pay for mobile communications, as well as receive discounts of up to thirty percent on the rental of an individual bank safe.

An attractive additional opportunity, which many people note in the reviews of Sauber Bank in St. Petersburg, is a twenty percent discount on the products of the Caudal wine house, which has representative offices in Moscow and St. Petersburg. You also have the right to attend seven free tastings.

Customer Experiences

You can find a lot of positive feedback about Sauber Bank in St. Petersburg. Clients are often satisfied with the level of service provided, the list of services that this financial institution can offer them. Even despite the fact that it still has relatively few branches throughout the Northern capital, many users already give preference to it, choosing which bank they plan to be served inforeseeable future.

Those who have already used the services of this credit institution note that in the branches of a financial institution you can always find polite and high-quality service. In reviews of JSC Sauber Bank, users say that even arriving a few minutes before the office closes, the client will be accepted. Employees do not attach much importance to the fact that their working day is almost over. They enter into the situation of people who, for example, are late for a plane. They show professionalism and efficiency, performing operations as quickly as possible. As a result, everything is managed in time, plans are developing as they should.

In reviews of Sauber Bank, customers note the exceptional honesty and decency of the employees of this organization. Repeatedly, users had to leave valuables, bags and briefcases with large sums in the office. Everything was always returned safe and sound at the initiative of the workers themselves.

Negative

At the same time, there are a lot of negative reviews about Sauber Bank in Moscow and St. Petersburg - cities in which this financial organization has representative offices.

For example, users complain about the rudeness and impoliteness of the guards, who are supposed to provide security, take care of the clients who come to them for help. Instead, one has to face diametrically opposed situations. It is not uncommon for banking transactions to take place behind people standing on the street. At the same time, when trying to go inside to wait in comfortableconditions, even pregnant women and those who caught a cold, the guards rudely pushes them out into the street, without trying to enter into the situation of a particular person, to help him if he finds himself in a difficult situation.

When trying to exchange currency, negative feedback from Sauber Bank customers is also encountered regularly. We have to deal with outright rudeness and disrespect shown by employees of a financial institution to visitors. For example, they may refuse to change individual banknotes without explanation, and respond inadequately to clarifying questions, snap, say that, if they want, they can easily refuse to accept even half. If at the same time they hear about some other large bank, then right in front of the clients they begin to throw mud at it, forgetting about the elementary rules of corporate decency. As a result, the client comes to the conclusion that the employees are rude, and after visiting the office and communicating with them, there is a persistent unpleasant feeling, there is definitely no desire to return to this bank again.

Assertions that the financial institution is not customer-oriented can also be found in the reviews of legal entities about Sauber Bank. In this case, problems arise again when you want to exchange currency. Impressive queues constantly appear, most of the cash desks simply do not work, while the employees work slowly, deliberately slowly. Despite the fact that there is very little time left before the end of the working day, some employees (not all) demonstrate by their appearance that many customers will definitely not have time to receive the desired service. As a result, people, having stood in line for about an hour,leave with nothing, because they did not have time to carry out the required operations.

In reviews of Sauber Bank, one can often find statements that the financial organization has frankly bad service and the very product that it provides. You have to wait in line for about two hours. Of the five windows for serving individuals, only two initially work, then, if one of the employees leaves for lunch, the whole process drags on even more.

At the same time, the process of registering banking products takes an unreasonably long time. For example, it takes about half an hour to sign documents for the most standard deposit. This is due to slow software, poorly debugged working algorithms. The management attracts many with an interesting deposit rate, but the employees themselves discourage customers from any desire to visit this bank again.

When applying for a car loan in the reviews of Sauber Bank, you can find complaints about the services imposed at the same time. In particular, the client is forced to issue a credit card, without which the loan rate increases by six percent, assuring that after signing the documents, it can be abandoned. As a result, it turned out that this is not so easy to do. When you refuse a credit card, documents are regularly lost and delayed.

Bank staff

In the feedback from employees about Sauber Bank, you can find a minimum of positive recommendations. Against the backdrop of the negative that remains after communicating with some employees of this organization, from the positive points one can single out a relatively loyal management, comfortableoffice in the city center and timely payment of wages.

Disgruntled workers

Most employee reviews of Sauber Bank are negative. We regularly have to deal with a high turnover of personnel, ranging from ordinary managers to managers of various levels. On average, new employees can withstand from several months to six months. After this period, only a few remain, and the recruitment of new specialists begins.

In the reviews of Sauber Bank employees in Moscow, many complain about the "black" salary that they have to receive in envelopes, while at the interview everyone is assured that their company fully complies with Russian labor laws, but in reality this is not entirely true. Officially, they manage to receive no more than 20 thousand rubles, the rest is in the form of a bonus.