"B altinvestbank": reviews, deposits, payments

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

Currently, competition between financial institutions is quite high. Many offer favorable interest on loans and deposits. Clients prefer to conclude agreements with agile banks that have been operating in their field for more than one year. This is B altinvestbank. Reviews about the institution can be heard mostly positive, although there are rumors that the company's license will be revoked soon.

Bank History

The company took its first steps in its development in December 1994. Then an institution called "B altonexim Bank" was founded. The first years were very difficult for the organization. Almost no one knew about the bank, customers were in no hurry to conclude agreements with it. The rapid development began after the company received the status of a dealer in the Russian trading system in 1997. In 1998, the first branch was opened in the city of Vyborg.

In 2003, the company was renamed B altinvestbank. Reviews show that the institution has become more recognizable since then. A large office was opened in the city of St. Petersburg. Every year more and more branches were opened in various cities. Customers began to trust the company. Today the network consists of 5 large branches and 28 offices. In most cases, these are branches in large cities of Russia. However, the management does not plan to stop the development of B altinvestbank. The network will soon expand to smaller communities.

Rumors around B altinvestbank

There are indeed problems in the financial institution. However, with the advent of the economic crisis, almost all organizations of this level faced difficulties. Since November 2016, it has been noticed that the company is delaying payments of legal entities. The management claims that the problem was solved in the shortest possible time. However, the current situation gave rise to rumors about the bankruptcy of the largest bank in St. Petersburg.

What is really going on with B altinvestbank? The company's license has not been revoked. The institution continues to operate as usual. To date, the bank's assets exceed 80 billion rubles. Clients continue to go for registration of deposit and loan agreements. Experts say that at present there is no reason not to trust B altinvestbank. Reorganization will avoid bankruptcy. Absolut Bank, which acted as the main shareholder, helps to get out of a difficult situation.

Auto loans

Customer reviews show that a few years ago this line of business was the main one. Particularly in demand was B altinvestbank in St. Petersburg. Almost every adult could get a car on good termsRussian citizen. In 2016, when financial difficulties began, the company stopped issuing loans for transport. The service was renewed in 2017.

The new lending program has a number of advantages. Firstly, you can conclude a contract for 7 years, which significantly reduces the minimum contribution. Secondly, you can purchase vehicles with just two documents. This is a passport of a citizen of the Russian Federation and a SNILS number. In some cases, the institution may also request an income statement for the last 6 months. If desired, you can include an insurance premium (CASCO or OSAGO) in the loan amount.

The loan rate depends on the transport that is purchased. Reviews show that the largest overpayment will be if the deal is for a used car. The rate is 18.7%. A new vehicle can be purchased at 16% per annum.

Mortgage

Despite financial difficulties, B altinvestbank continues to issue loans for housing in St. Petersburg. Everyone has the opportunity to purchase housing in a new building under the Primary Market program at 10% per annum. To conclude an agreement, you will need a passport, SNILS number, as well as proof of income for the last 6 months. Official employment is a must. The probability of issuing a loan will increase if the client can attract solvent co-borrowers. The next of kin can act as their role.

The loan program for secondary housing also remains in demand"Standard". As a down payment, you can use maternity capital or the "Certificate of a young family." A prerequisite is an advance payment of at least 30% of the property value. The rate is 11% per annum.

The program "Commercial real estate" is also in demand, which allows you to purchase a building or a plot of land on credit for business development. The conditions under such an agreement are determined individually.

Payment cards

What else does B altinvestbank offer? Problems are not a reason to stop in your development. The institution introduces new products that are convenient and beneficial for customers. What is the virtual card of the Visa payment system worth. This is a unique opportunity to make purchases without leaving home with a maximum level of security. The downside is that you can use such a payment instrument only in real time (on the Internet). After all, many resources offer, first of all, to pay with bank cards.

The Visa Gold card has the highest level of protection. This is not just an element of prestige. Such a payment instrument makes it possible to use many additional services. Credit lines can be opened for cardholders on favorable terms.

Deposits for individuals

Deposit agreements are no less popular in B altinvestbank. Reviews show that clients continue to make deposits, despite the difficulties that have arisen. This happens because the financial institution isa member of the deposit insurance fund for individuals. A product called "Absolute Champion" is popular. Any adult citizen of Russia can conclude a deal. The contract is drawn up in national currency. The deal is executed for 12 months at 8.5% per annum. Early withdrawal or replenishment of the deposit is not provided.

Champion product with monthly capitalization may turn out to be more profitable. The rate under the contract, which is concluded for a year, is 8.25% per annum. Early withdrawal is not possible. But you can replenish the deposit monthly for any amount.

Those who are used to always managing their finances should pay attention to the "Mobile" deposit. The rate is low - only 5.75% per annum. Along with this, the client gets the opportunity to withdraw money or replenish the account at any time.

Settlement and cash services

Offers many services for private entrepreneurs "B altinvestbank". Reviews show that many clients, when starting their own business, prefer to register a current account here. You can manage both rubles and foreign currencies. You can hear a lot of good reviews about the remote banking system. That is, the head of the company can track the movement of his account, being far from the financial institution.

B altinvestbank, which is being rehabilitated by Absolut Bank, offers favorable rates for settlement and cash services. There is no charge for opening an account.have to. But the monthly fee for this service is 2000 rubles.

Additional features

Individual entrepreneurs who have entered into an agreement with the bank for settlement and cash services are offered a number of additional opportunities. Money should always bring profit - the management of B altinvestbank is sure of this. Deposits are the best opportunity to receive passive income. Therefore, if the business owner has free funds, they can be entrusted to a financial institution. Conditions for deposits for each individual entrepreneur are selected individually. It all depends on the amount of free funds and the period during which the money will be kept in the bank.

Salary projects are also offered on favorable terms. Companies with 10 or more employees can take advantage of these opportunities. Attracts customers service in automatic mode. Money is credited to employee cards without delay. And cash can be withdrawn from any ATM without commission.

Reviews about B altinvestbank

Despite financial difficulties, the institution continues to stay afloat. Numerous positive customer reviews confirm this. A convenient Internet bank, a lot of profitable products, the availability of information - this cannot but attract. Therefore, it is quite appropriate to say that the situation with B altinvestbank will completely stabilize soon.