Kuban Universal Bank LLC: customer reviews

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

Kuban Universal Bank is a relatively small but rather reliable participant in the financial market. It is a regional institution headquartered in the city of Krasnodar. The activity of the financial institution is carried out under the leadership of the local administration. The bank's customers are people living in the region. Their feedback about the institution is very positive, as the level of service is quite high.

Main activities

"Kuban Universal Bank" is actively involved in the implementation of not only economic, but also social urban programs. The main activity of the institution is work with corporate clients, their servicing and lending. Financing of the institute's activities is carried out to a greater extent at the expense of deposits of individuals. Their volume is equal to 40.88% of the volume of all assets. The majority shareholder of the Institute is the Administration of the Municipal Formation of Krasnodar. According to the bank's clients, a limited list of services, without specific products and offers, fully satisfies the needs of the population. Deposits and loans are provided with favorable interest rates. Money transfers and payments are not accompanied by large commissions. The list of bank cards allows you to meet all the needs of the client base.

Approach to corporate clients

Kuban Universal Bank has been operating in the financial market since 1994. For 21 years of work, the number of corporate clients is only increasing. Initially, an independent credit and financial entity was intended to address issues at the municipal level. Today, the services of a financial institution are used by municipal and commercial enterprises, trading companies and structures of medium and small businesses, individuals and non-profit public organizations. Most customers say that the bank builds productive and mutually beneficial relationships with each user of the services very quickly. Specialists who have been working in the banking sector for a long time find an excellent approach to everyone, solving urgent problems as productively as possible.

Membership in government organizations

Kuban Universal Bank is a full member of the Visa International system, is a member of the Association of Regional Banks and the Association of Russian Banks, and is a member of the Deposit Insurance System. In 2010, the financial institution became a full member of the Guarantee Fund for Support of Small Business Entities. Affiliation with state-level organizations, as well as numerous positive reviews of the partnershipwith a financial institution testify to a high level of work and confirm a good reputation.

Financial assistance to private clients

Financial institutions that operate in the regions and have a small network are often highly trusted. This financial institution (Krasnodar) is no exception. "Kuban Universal Bank", having only two additional offices, perfectly copes with its obligations. As clients say, all financial transactions are carried out on time, no delays or delays. Small entrepreneurs are especially satisfied with the work of a financial institution, as any reporting and settlement operations are carried out quickly. Compared to the giants of the financial market, Kuban Universal Bank, which is reviewed in a positive way, despite its small authorized capital (669,960,000 rubles), does not experience liquidity problems. Commitments to the population were fulfilled before the crisis of 2014 and are being fulfilled today.

Attractive deposits and quality service

Many depositors speak well of attractive deposit programs. New products are under special attention:

• Deposit "Thaw". The term of the deposit is 200 days. The interest rate is 16%, which is an order of magnitude higher than offered by many other financial institutions. The payment of accumulated profit is carried out at the end of the contract term.
• Deposit "Business People". The term of the deposit is 400 days. In the first 200days of partnership, the deposit will accrue an interest of 14%, in the second half of the term the interest on the deposit will be 16%. Interest is paid at the end of each quarter with capitalization.

It is also worth mentioning that with the onset of the crisis in Russia, at a time when the dollar began to grow at an incredibly fast pace, many bank customers began to withdraw their deposits in a panic. Despite a fairly large flow of applications, Kuban Universal Bank paid all the deposits upon request. No delays. The work was carried out on schedule.

Remote service

Like many financial institutions, the Krasnodar bank offers its customers an Internet banking service. Without leaving your home, through your personal account you can use most of the available banking services. Individuals note the convenience of paying for services, the benefits of cooperation with online stores and the benefits of making payments online. This saves a lot of time and money.

Support is available around the clock. Entrepreneurs and businessmen speak positively about the ability to pay taxes and fees, make payments with details. From the clients of the financial institution, information was received that the service worked intermittently from the end of February to the beginning of March. This caused not only inconvenience, but also resentment. On the other hand, probable technical failures were reported on the official website of the bank. At the moment, this problem is completely fixed, and the serviceis fully functional.

What do customers say about online banking?

After receiving a card at the bank, many customers have created personal accounts in the online system. According to many people, the functionality allows you to pay utility bills, top up your phone account and pay off payments for a landline phone and the Internet without any complications.

Many people are pleased with the service of making automatic payments, according to which funds are debited from the client's account in a specified amount and redirected in the right direction. Moreover, one of the clients wrote thanks for the fact that with the help of the service she was even able to pay for her child's classes at a music school.

Minor difficulties

Pushkinskaya Street, 36 is the address of the Kuban Universal Bank. ATMs of the institution are located throughout Krasnodar, and there are 10 of them. The indignation of customers caused by the inoperability of ATMs was repeatedly recorded. If you look into it in detail, all the claims were related to the device, which is located in the Red Square area. Numerous reviews about the non-working state of the equipment quickly attracted the attention of employees of a financial institution. As it turned out later, the problems were related to the software provider. Instant response to customer signals allowed us to quickly resolve the issue.

High commission, or How to protect yourself from losses?

Kuban Universal Bank (Krasnodar), whose office addresses are very easy to find, like all financial institutions, charges a fee for cash withdrawals from ATMs that do not belong to the structure of the bank and are not among the partners of the financial institution. The minimum commission is 100 rubles. This moment is described in partnership agreements, although in very small print. Some bank customers were unpleasantly surprised when 200 were debited from their account when withdrawing 100 rubles. This situation caused significant indignation and negativity. On the other hand, if you are careful and use only partner ATMs of a financial institution, there will be no problems. CB "Kuban Universal Bank" (LLC) offers its customers to withdraw their money from cards directly at the branch, which will completely eliminate additional commissions. Although this is inconvenient, it will help to get rid of unplanned expenses. Commission is one of the few negative aspects that clients face and which many turn a blind eye, as the other benefits of partnership easily compensate for this moment.