"VUZ-Bank" (Tyumen): addresses, reviews

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

Today the country's economy, and banking in particular, are going through hard times. Not only fierce competition, but also state supervision force banks to work in the “right” direction. But it is not easier for a simple potential client - he needs to make his choice in a huge variety of financial institutions.

From the 90s to the present

For many residents of the Ural region, the name "VUZ-Bank" is known firsthand. Back in 1991, several universities in Yekaterinburg, including the SINH (Sverdlovsk Institute of National Economy), credit organizations and enterprises participated in the organization of the VUZ-Bank. Initially, the bank, in addition to standard servicing of enterprises, was engaged in lending to special programs of universities in the Urals Federal District. After 12 years, the controlling stake in the bank became wholly owned by the Life financial group. "VUZ-Bank" (Ekaterinburg, Tyumen and some other cities of the Urals) began to provide various services to both individuals and corporate clients. A separate niche was occupied by small and medium businesses.

Modern "VUZ-Bank" worksunder the management of the Ural Bank for Reconstruction and Development.

License

Recently, many of the banks faced the issue of termination of activities due to bankruptcy. In this regard, such rumors often began to spread about banks, which in fact have nothing to do with this situation. This problem has not bypassed VUZ-Bank. Its license (1557), issued by the Central Bank of Russia, is valid. In 2015, when the license was revoked from the parent bank (Probusinessbank) of the Life financial group, many customers were worried that a similar fate awaited VUZ-Bank. Tyumen was no less worried than other cities. But the credit organization managed to be saved by reorganization. The Agency for Insurance and Deposits has chosen the Ural Bank for Reconstruction and Development as a sanatorium out of several applications from financial institutions.

Essential services for individuals

"VUZ-Bank" provides a wide range of standard banking services for private clients. These are loans and deposits, credit and debit cards, various payments (utilities, tuition fees, fines, etc.) and the possibility of transfers without opening an account, a mobile bank and a call center.

But besides all this list of services, there are also individual additional options. Thus, the photo payment service allows you to quickly pay a paper invoice without entering details. And "Life Wallet" is the ability to make payments directly from home, by analogy with the Yandex. Money service.

"VUZ-Bank"(Tyumen, Surgut, Nizhnevartovsk and all other cities where the bank has a presence) offers insurance services: protection of life, he alth (including abroad), home, etc.

Main services for legal entities provided by VUZ-Bank

Although Tyumen is not the city with the largest number of offices, it does not lose its significance and offers various organizations a wide range of banking services. In addition to settlement and cash services, loans and overdrafts, deposits and bank guarantees, small and medium-sized businesses in the Ural region can use the salary project and corporate card, connect merchant or mobile acquiring.

In addition, if desired, a legal entity can join the "Business Club" and receive additional service options. The club will help you make new business contacts and get advice from specialists in the field of HR, law and taxation.

Depending on the field of activity, organizations can offer an individual scheme of work. For startups, this is one set of services, for trading companies - another, for manufacturers - a third.

VUZ-Bank loans

Narodny consumer credit has been the most popular type for a long time. The amount can be issued from 5 thousand to 1 million in rubles for up to 7 years with the possibility of early repayment. The age of the borrower must be at least 20 and not more than 80 years. Up to 200 thousand rubles, it is possible to obtain a loan with just two documents. Such conditions are offered to their privateclients of VUZ-Bank. A loan can be issued by submitting an application by phone, via the Internet or in person at a bank branch.

There is a special offer for pensioners with a maximum amount of 600 thousand rubles. At the same time, to calculate the amount, all family incomes are taken into account.

For business, VUZ-Bank offers express loans for up to 5 years. The maximum amount is calculated individually, but cannot exceed 5 million rubles.

In addition to a standard loan, an organization can use an overdraft - short-term crediting of a current account up to 2 million rubles. Refunds are made by automatically debiting the amounts from the client's account. If the loan amount is less than 0.5 million rubles, no collateral is required.

VUZ-Bank: deposits

For private clients, VUZ-Bank offers three main types of deposits:

• "Convenient" - with a long term (4 years) and capitalization of interest.
• "Cumulative" - with the possibility of replenishment and the maximum interest rate (9.5%).
• "Mobile" - with the possibility of partial withdrawal of funds without loss of interest and a minimum initial amount - from 1000 rubles.

All deposits provide for the placement of funds both in rubles and in euros and dollars.

Also, the bank has developed a package offer consisting of one type of deposit, SMS informing (on interest accrual, debits on the deposit, etc.), issuance of a certificate of account availability and non-cash payments (in12 pcs.).

Organizations can issue a deposit in the "VUZ-Bank" in the amount of 100 thousand rubles. for a period of 1.5 years with a rate of up to 1.4%.

Participation of VUZ-Bank in the social life of the region

Of course, the bank is not a charitable organization, but nevertheless takes part in the social life of its region. "VUZ-Bank" (Yekaterinburg) with one of the universities has developed a certain education program. She became an additional to the main. The training was focused on personal financial counseling. Everything happened directly in the bank's office, and the practical part of the students was helped by specialists from VUZ-Bank.

Reviews

Reviews about the bank can be heard from friends or gleaned from the vastness of various resources. Of course, it is difficult to make a clear and correct opinion on someone's dissatisfaction (perhaps not entirely justified) or, conversely, admiration, until you yourself are faced with a specific situation.

About VUZ-Bank, all reviews can be conditionally divided by the opinions of the time when the bank was part of FG Life, and after the collapse of the group. If we talk about legal entities, then, judging by the reviews, most of them were arranged by the bank before the reorganization. In 2016, the reviews of organizations became more often negative. Some complain about the poor performance of the Internet bank, others about the insufficiently fast service of corporate cards. Perhaps such problems are due to the fact that the programs have not yet been completely redesigned for new work.

There are still some problems that the reviews about VUZ-Bank speak of. Telephoneoften does not answer, the interest is very high, they did not explain anything, etc. These comments date back to the time when the bank still belonged to FG Life. The explanation for such reviews is also quite easy to find - often the client himself did not understand something or got into rush hour (therefore, he did not get through).

Of course, there are a lot of positive reviews. Treating clients like relatives, competent advice, quick loan approval - such reviews can be found in large numbers not only on the Internet, but also personally from your own acquaintances.

Contacts

Banks that comply with the law continue to work and develop. Some even increase the number of their branches. Do not lag behind the rest and "VUZ-Bank". The addresses of its offices can be easily found on the bank's website and simply on the Internet. Branches are located in large and small cities of the Sverdlovsk, Tyumen, Chelyabinsk regions, KhMAO. Some locations have multiple branches.

For example, "VUZ-Bank" (Tyumen) serves legal entities in the office "Tyumen" on the street. Herzen (d. 86a). Individuals - in the same office and on the street. Permyakova (d. 50b) in Solnechny. But most of all branches are in Yekaterinburg, there are 10 of them. Work with clients continues mainly until 19:00, but there are branches that work until a later time - until nine o'clock in the evening (in the City Center shopping center on Lenina Avenue). The bank has a 24-hour call center, each of the 29 cities of presence has its own phone number.

Whoever it isas the owner of VUZ-Bank, as its 25-year history shows, it continues to work properly, helping private and corporate clients to develop and achieve their goals.