"Russlavbank": feedback from bank customers

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

"Russlavbank" reviews are in most cases positive, as a financial institution in the entire history of its existence has always fulfilled its obligations. He began providing professional financial services in 1990. Today, the AKB is engaged not only in financial, but also in partnership activities, and has a fairly wide correspondent network. Customers throughout Russia enjoy high quality service and feel comfortable. The bank is actively working and expanding its activities, offering a wide range of both banking operations and a variety of services.

Irreproachable reputation

"Russlavbank", reviews of which attract attention, has an impeccable reputation. The financial institution employs the best specialists in their field, who are ready to provide each client with both assistance and professional advice at any time. For all questions related to lending and banking services, people receive comprehensive answers. Words of gratitude towards the staff have repeatedly sounded from the lips of satisfied customers. The financial institution will give a hugecharity attention. Financial support is provided to shelters and orphanages. The bank's shares (92%) are owned by Abdulkerimov Abdulzhelil Mahmudovich, who is on the list of the country's we althiest bankers. In 1999, Russlavbank, which has negative reviews, developed the CONTACT money transfer system, which today occupies a leading position in the Russian financial market. Covering neighboring countries, it received the status of socially significant. According to the latest annual report, the assets of the financial institution amounted to 34,050,642 rubles, the capitalization amounted to 5,212,776 rubles, the loan portfolio amounted to 645,300 rubles, and the volume of deposits - 9,736,085 rubles.

High level of work

"Russlavbank", reviews of which are more often positive than negative, is one of the oldest participants in the domestic financial market. The main specialization of the institution is servicing individuals, both residents and non-residents, private entrepreneurs and representatives of small and medium-sized businesses. The activities of the JSCB are carried out in accordance with the general license of the Bank of Russia dated April 28, 2012. By the beginning of 2015, the bank's structure already included 6 branches, 111 offices in 76 cities, one main representative office, 45 internal divisions. These are 34 additional offices, 7 cash centers, 4 operating cash desks and three operating offices.

Credit rating of the bank "B++". Credit rating at the level"BBB+" with a positive outlook. The financial strength rating is “E+”, and the rating of deposits both in rubles and in foreign currency corresponds to the “B3” category. The outlook from the international rating agency Moody's Investors Service remains consistently positive. The official assessment of the Central Bank says that the bank is reliable. Here it is worth adding that despite the crisis, the financial institution is not experiencing difficulties in fulfilling its obligations. In 2014-2015, when many financial institutions stopped paying deposits and began to apply for refinancing to the Central Bank of the Russian Federation, Russlavbank, whose customer reviews are very positive in connection with this fact, continues not only to accept deposits, but also regularly pays on them interest, and upon the expiration of the terms of the contracts returns the depositors their funds. Moreover, the financial institution is a member of the deposit insurance system.

Customers satisfied with a wide range of services

At the moment, the financial institution offers its clients a huge number of services. Among the proposals there are both standard domestic products and adopted from international practice. It is worth mentioning retail and corporate lending. Individuals can apply for a loan for 600 thousand rubles within an hour for up to 5 years. According to clients, a minimum package of documents is required, and the presence of guarantors is not required.

The emphasis is often placed on the most simplified scheme of cooperation. The bank accepts deposits and provides the ability to managetheir accounts remotely. Using the Contact system, you can independently process money transfers and make payments. The absence of the need to stand in line for hours pleases many. Custody operations and various operations with bank cards are open. Guarantee and documentary transactions are carried out. Among the non-standard offers, it is worth noting the professional service of passports for export or import contracts. The quality of service was appreciated not only by individuals and legal entities, but also by domestic and foreign correspondent banks, of which there are more than 600. recommendation section. Positive reviews often speak of a very attractive loan refinancing program.

Interesting programs for cardholders

JSC "Russlavbank", reviews of which encourage cooperation, offers not only plastic cards, but also their fast service. At the moment, three types of product are available under the bank's program:

• Income card.
• GOLD income card.
• Credit card.

The most attractive, according to the clients of a financial institution, is an income card. "Russlavbank", reviews of which are positive in connection with this product, offers a unique depository program to its owners. On the balance of personal funds in the account, regardless of their amount, an interest of 15% is charged. Make a card veryjust in any bank branch. Issue is carried out on the day of application. The card is equipped with a chip, which ensures complete security of payments. Pleasantly pleased with the presence of technology 3D-Secure. Pleasant reviews from product owners are heard regarding the fact that you can withdraw funds not only in Russia, but also abroad. People were surprised by the fact that commissions for non-cash payments in stores are not removed. Cardholders talk about a pleasant and profitable addition as a 20% discount under the MasterCard Favorites program. Separately, we can say about a credit card with a replenishable limit of up to 500,000 rubles. Grace interest-free period is 57 days. It is very convenient to use the product. Save money with a free annual credit card service.

Instant card service: the bank understands that time is money

Bank "Russlavbank", reviews of which are very rare with a negative connotation, has always been distinguished from its competitors by fast and professional service of accounts. Customers have never complained about the inability to withdraw money from an ATM or replenish a card account. All operations are performed as quickly as possible, no delays, delays or collapses. People have never complained about the disruption of plans as a result of the long processing of payments. The reason for this professional handling of business was in 2014 our own precession center, which handles the entire range of emissions and settlement transactions with ease.

VISA and MasterCard cards, including chip and prepaid cards, are serviced with maximum efficiency. At the moment, the processing center can perform about 50 operations per second. After connecting the processing center to the OPC system at the end of June, customers got access to 28,000 ATMs. According to cardholders, using them is a pleasure. Today you can withdraw cash and pay payments in any district of the capital. The Russlavbank income card, reviews of which have always been positive, will become even more popular in the near future. This is due to the fact that the financial institution does not stop negotiating with partner banks regarding integration into international payment systems. The work is aimed at providing high quality service and minimizing costs.

What do depositors say about deposits?

"Russlavbank" offers a variety of deposits. The product line has been simplified to the maximum. Clients do not have to face a difficult choice between high interest rates and soft partnership conditions. There are three offers to choose from today:

• Golden Mill program. Interest on the deposit can be up to 15.5%. The maximum income for ruble deposits is provided. No interest burning.
• Program "All pluses". The deposit can be issued at 12.35%. The deposit currency can be either national or euro or dollars. Interest capitalization is provided. Partial withdrawal and spending of funds is allowed withoutloss of accrued interest.
• The program "Superdeposit" for deposits in euros or dollars.

The bank's clients, having evaluated the financial offers available on the market, agree with the fact that Russlavbank offers deposits in foreign currency and in rubles on the most favorable terms. Compared to the products that were named the most profitable and offered just a few years ago by Russlavbank (special deposit), the new products turned out to be even more profitable and convenient. However, in a crisis, this parameter is not the main one. In connection with the bankruptcy and restructuring of such giants of the domestic market as "Financial Initiative" and "Finance and Credit", depositors began to actively withdraw their money, turning a blind eye to the loss of interest. Imagine their surprise when the bank unconditionally paid the bills. The most interesting thing is that the massive outflow of funds at the end of 2014 and at the beginning of 2015 did not cause liquidity problems.

Collapse of 2014

In 2014, people began to go around in society about the fact that Russlavbank, well-known in the country, could soon become bankrupt. The revocation of the license, which many financial institutions of the country faced, did not take place, to say more, in this vein, the issue was not even discussed. The thing is that it was in the spring of 2014 that the Ministry of Internal Affairs conducted an investigation into “illegal banking activities”. Not only Russlavbank, which has always had impeccable reviews from employees, was subjected to a search, but also such an organization as Finprombank and some travel agencies. suspect in the casewas Alexander Mironov, who holds the post of vice president. According to law enforcement agencies, seven people were accused of illegally withdrawing funds and cashing them out through private fly-by-night companies. Preliminary data showed that every month 2.5 billion rubles passed through the hands. Cash withdrawal cost 3.5% of the amount, and transit cost 0.3%. Excessive attention to the bank caused concern among depositors. In fact, it turned out that Russlavbank (even today it offers the most convenient deposits for individuals) had nothing to do with fraudulent activities. The bank's management provided full assistance, including all the requested documents. There are no claims to the financial institution from the Ministry of Internal Affairs. The current situation is unpleasant, but does not leave an imprint on the fulfillment by the financial institution of its obligations to customers. The bank has been operating as usual.

CONTACT - innovation for customers

As mentioned above, Russlavbank, which has only positive credit reviews, launched the CONTACT service in 1999. This technology allowed the clients of the financial institution to make transfers between individuals. The structure is based on correspondent relations between the partner banks of the program. The transfer is carried out according to a simplified scheme, which was repeatedly mentioned by satisfied customers in their responses. Opening a dedicated account is not required. The main users of the service were seasonal workers and students, emigrants and tourists,who do not have open accounts in Russia. People who have had to deal with the need to urgently send or receive money are very satisfied with the work of the system. The network of correspondent banks is being systematically expanded. To date, 73 countries are participating in the program. At least 900 Russian and international banks act as CONTACT partners. An extensive network of customer service points, which has more than 400,000 points in 160 countries of the world, explains the positive feedback about the service and the convenience of using its services. The system was a laureate in the category "Consumer Rights and Quality of Service-2014" and took first place in the "Brand No. 1 in Russia" competition from 2011 to 2013.

Minor oversights when working with the CONTACT system

As in any computer program, in the CONTACT system, its users had to face a number of inconveniences. This left a certain negative imprint on the reputation of Russlavbank, whose reviews on loans and deposits are in most cases positive. The indignation of users was associated with the freezing of the system in the early stages of its operation. It so happened that when it became necessary to send funds, the functionality turned out to be non-working at all. With the development and improvement of the payment system, errors were eliminated and dissatisfaction became less. However, there are isolated cases that attract attention. So, according to one of the bank's clients, when sending a transfer to America, he was neverdelivered to the recipient. After a long delay in time, the problem was not resolved, and the funds had to be returned to the sender. But the most interesting thing is that after a long communication with the support service, the refund was carried out outside the regulations. Instead of the promised five days, the transfer was returned for several weeks. According to statistics, in 95% of situations, Russlavbank has positive customer reviews, and such a collapse is more an exception to the rule than a pattern. More positive feedback is about the design of translations, which takes a minimum of time and is as simple as possible.

Summing up: is the bank trustworthy?

Summing up and looking at the situation in the country's banking sector, we can say that Russlavbank has no significant shortcomings. Reviews (Banks. Ru) are both negative and positive. There are much more thanks and eulogies than indignation. You can come across descriptions of unpleasant situations to which the support service immediately responds. The decision of the issue may be delayed, but the result does not change. Pleasant consultants and a manager answer all questions live and over the phone, try to help clients in all available ways. Despite the problems of domestic banks related to liquidity, Russlavbank continues to work and develop actively. Deposits are paid, there are no complaints from depositors. Against the background of general losses, the situation can be called a big advantage. The only thing worth paying attention to is spam mailings in the format of SMS messages. There is a hugethe number of complaints about this issue. According to the bank's clients, a notification regarding the approval of a loan is systematically received on the phone with a request to contact the branch and apply for a loan. After a person, dropping everything, comes to the office, he receives a refusal. The situation has been repeating itself for a long time. Requests to remove the number from the SMS distribution are not considered, the problem is not solved. Bank customers also warn that you need to carefully read the agreements for this category of loans. Interest on them is not always profitable. By being vigilant, you can avoid conflicts in the future. If this shortcoming is eliminated, cooperation with a financial institution will bring only pleasure to customers.