"Kazkommertsbank": customer reviews

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

Today, financial institutions are very popular, as they can get money for a fairly long time. However, such services are not always beneficial for customers. Based on this, many different rumors and even scandals appear around banks. Kazkommertsbank is one of such organizations. What did this financial institution not please customers? Consider reviews about Kazkommertsbank, as well as basic information about the company.

History of Creation

This institution was founded in 1990 and today is one of the largest banks in Kazakhstan. At the same time, as representatives of the organization themselves say, Kazkommertsbank is distinguished by its financial stability, which is confirmed by various rating agencies.

The named bank cooperates with other financial institutions of world renown. And thanks to large partners, the institution manages to conduct its activities in the most productive way, which meets international standards.

It is also worth noting that Kazkommertsbank provides customers with a fairly wide range of offers. So, all users can use the remote service. This convenient feature allows you to make the necessary financial transactions without leaving your home. It is enough to visit the official portal of "Kazkommertsbank" - onlinebank kz.

In 2014, more than 489,000 people were registered to conduct transactions online. At the same time, there were also holders of payment cards and other banking organizations among them. It is important to note that today, using the Kazkommertsbank portal, you can carry out basic financial transactions, which include more than 700 types of various services.

The described financial institution provides project and trade finance, as well as assists in the investment of funds in projects and asset management. In addition, short-term loans and other banking products are available to customers.

Loans without collateral

In this bank you can get a loan in the amount of 100 thousand to 6 million tenge, for up to 5 years. At the same time, it does not provide for the provision of any collateral, which can be very beneficial for customers. If we talk about interest rates, then the average overpayment is 10% per annum.

Secured loans

If the client is ready to provide collateral for movable or immovable property, then in this case a loan of up to 30 million tenge is available to him. At the same time, the loan term can range from six months to 120 months. If we talk about security, then in this case you can useapartment or a valid bank deposit.

You can apply for loans at Kazkommertsbank online or by going to any nearest branch. Since this bank is large, its branches can be found in almost every city.

What are the requirements for borrowers

In order to get a loan, you must provide a document confirming the citizenship of the Republic of Kazakhstan. At the same time, funds are issued to citizens over the age of 21. In addition to the main package of documents, you must provide a certificate of income confirming a permanent place of work. Also, an additional document on marital status may be required.

If we are talking about a secured loan, then in this case, the collateral property is assessed. Loan repayment can be carried out both with a bank card and using cash.

Deposits of Kazkommertsbank

In this case, customers are provided with a fairly large selection of different programs. The term of the deposit can be changed depending on the total amount of the deposit, as well as the requirements of the client. However, as a rule, the maximum period for holding funds is 36 months.

If we talk about the minimum contribution, then it is 15 thousand tenge. All deposits are renewed automatically without additional requirements.

According to reviews of Kazkommertsbank, all these data are really true. Clients are offered a wide range of services, and lending is made on the most favorable terms. Also usershighlighted a few more advantages of this financial institution.

Advantages of Kazkommertsbank

If we talk about positive nuances, then the described bank is distinguished by a large number of offices that are available to customers in different regions. Branches of Kazkommertsbank, as a rule, work from 9 am to 6 pm.

If you do not want to visit a branch, you can use special online services. In addition, as users noted, in the process of data processing, the confidentiality of all information about clients is maintained, which is reliably protected from possible hackers.

Positive feedback

If we talk about the pros and cons of this financial organization, then everything depends on the specific client, operator, as well as on the branch of Kazkommertsbank, to which citizens applied. Thus, clients note that specialists most often professionally help to choose the right offers and explain in detail all the nuances of lending and other operations.

Also, many note the convenience of using Internet resources, thanks to which you can carry out financial transactions quite quickly.

Negative reviews

If we talk about the minuses, then, unfortunately, there are many more. For example, in the city of Taraz, according to the comments of customers, it can take a long time to try to open a personal account in the central branch of the bank. According to many other reviews about Kazkommertsbank, you can sit in line for up to several hours. And during this time, operators can serve no more than threeman.

Some in their comments also complain that bank managers can start to consider the application and go to lunch in the middle of the conversation.

At the same time, some of the clients claimed that after a long wait and consideration of the application by several employees, they were forced to go to another branch of the bank, where the problem was also not solved.

The money spent and nerves can't say that the service in this branch can be called good.

How the bank reacts to emergency situations

According to their feedback, some clients had serious problems when they tried to transfer funds to Kazpost through the ATM of the described financial institution. In the event of a breakdown of equipment, a huge number of problems arose. And although this service is popular with bank customers, but in an emergency, as it turned out, customers may be faced with the fact that the bank will not be able to return or transfer money to them, since the details of another organization were used for this operation.

This threatens a lengthy litigation between the two financial institutions, and in the end the client is left with nothing.

Also, among the negative reviews, there are many opinions about the only branch of the bank, which is located in the city of Kentau. Due to the fact that there are no other branches in this locality, customers are faced with huge queues and long waits for tellers.

Also, some noted that in thisThe department does not even have a printer to make a photocopy. And some customers, after having stood in line, are also forced to look for a place where they can make the missing copy.

Also received negative feedback from the Astana branch. Many in their reviews of Kazkommertsbank note that even being there with babies, they had to queue for 5 hours.

Reviews on loans with refinancing

Judging by the comments of the clients of the financial institution, it took them quite a long time to receive the refinancing service. Some explain this by the fact that bank employees did not immediately announce the full list of required documents. However, it all depends on the specific situation. For example, if the client did not provide the details of Kazkommertsbank or another financial institution to which the money is planned to be credited, then in this case the manager will not be able to properly process the transaction.

Also, in some situations, regardless of the qualifications of the employee, additional documents may be required. At the first stages, the manager sends the client's data to the head office, where another operator can request additional paperwork.

You need to understand that getting a loan can take much longer than planned. This is because the bank employee needs to make sure that the financial institution does not incur losses, and the borrower will make all required payments in a timely manner.

Yes, indeed, it cannot be ruled out that in some branches of the bank, employees do not alwaysown information. However, in other situations, everything just looks like this in the eyes of customers. To avoid such situations, before going to the bank, it is recommended that you familiarize yourself with the information on lending on the official website of the financial institution. Thanks to this, you can come to the bank with a ready-made package of documents and significantly speed up the process of receiving funds.

Reviews about opening cards

When it comes to the standard procedure for opening an account, then, as a rule, everything happens very quickly. However, if the issue of an additional Kazkommertsbank card is required, some clients face quite serious problems, which again can be attributed to the unpreparedness of the plastic holders themselves.

Some complain that it took much longer to open a new account or issue additional cards. However, it should be borne in mind that this procedure is also performed with the participation of the head office. Thus, applications and a package of documents are initially sent there. Accordingly, the farther the branch is from the head office, the longer it will take to wait for the finished card. The same thing happens in almost all financial institutions. Therefore, you should not blame the bank itself or its employees for everything.

Also, some bank customers began to speak negatively about him after the events that took place several years ago, when the global crisis began.

What has happened since 2016

In the autumn of 2016, thebanking issue. First of all, it was about the financial well-being of some organizations. At the same time, fuel was very actively added to the fire by the media, which provided information, citing sources, and not real figures. This negatively affected many banks.

The newspaper headlines said that Kazkommertsbank was on the verge of default and would soon cease to exist. In fact, it wasn't quite like that. The fact is that this financial institution simply merged with the People's Bank, while continuing its activities. At the same time, both the hot line of Kazkommertsbank and other services are still active. Therefore, savers and borrowers have nothing to worry about. If we talk about the need to reissue the loan, then, according to representatives of the organization, if this procedure takes place, then without problems for payers.

Also, many are interested in what will happen to the onlinebank kz service of Kazkommertsbank. According to representatives, online banking and other resources will function as usual. However, there is an opinion that these services will eventually be combined with similar applications from the People's Bank.

Thus, the services of Kazkommertsbank online can still be safely used. However, it is better to follow the news of the financial institution so as not to miss important changes regarding its mode of operation.