"Module-Bank": feedback from customers and employees. Real user opinions about "Modulbank"

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

The only Russian financial institution working exclusively with small businesses is Modul-Bank. Feedback from individual entrepreneurs suggests that many useful products are offered to facilitate their work. For example, free bookkeeping, using any cards for employee salaries, opening any current account from the phone, and much more. Moreover, "Module-Bank" (reviews mention this) willingly works even with the smallest business, it is indifferent to the size. His clients are both start-up entrepreneurs and companies with dozens of employees. The conditions that Modul-Bank imposes on customers are called acceptable reviews.

Customers

Individual entrepreneurs are offered not only free accounting, but also a tariff with no monthly fee, bank cards for cash and purchases, as well as tariffs where there is a percentage of the balance. Very wellwork with larger companies, which is carried out by "Modul-Bank". Feedback from employees of these companies speaks of the complete convenience that this service creates. Firstly, the manager has a personal assistant from the bank, a lawyer and an accountant. Deposits are issued at 9% per annum, and for employees, salaries are received on any cards. Currency control is carried out within two hours and does without fines. All this is provided to clients by "Modulbank". Feedback from individual entrepreneurs (individual entrepreneurs) suggests that working with this financial institution is pleasant and safe.

Retail stores also often choose this bank for cooperation. This is convenient, because payment cards are accepted as a means of paying for services, works, goods (that is, acquiring is carried out - mobile, merchant and with the involvement of Internet resources). The cash register is equipped directly on the tablet. In the event of a cash gap, lending (overdraft) is offered. Accounting provided by the bank works on cash discipline. According to a study by the "Marksweb" agency, "Modulbank" was ranked first in terms of the cost of all this service. IP reviews note that such cooperation is beneficial. In terms of servicing legal entities, this bank ranks second in this rating. High technologies and rather low costs allow the bank not to raise tariffs.

Bank offices

There are few costs because the bank does not rent or build for itself entire networks of expensive offices, it does not have many branches, andtherefore, there is no rent or construction fee, no need to purchase furniture and other supplies for staff. That is why customer service is cheaper than other banks. And the entire difference is deducted from the tariffs of "Modulbank". Reviews of legal entities note a very high level of computerization and automation of all work. With the help of programs, this is not only almost error-free, but also cheap. The computer itself searches for mistakes made in translations, fills in the documents itself. And all this leads to the fact that the staff is not inflated, which means that again Modulbank is in financial gain. Feedback from legal entities commends this method of operation.

The financial institution also does not maintain extensive networks of its own ATMs, but uses partner ones: customers can withdraw cash at almost any ATM in the country without any additional fees. And therefore "Modulbank" receives mostly grateful user reviews. And if a client is dissatisfied with something on the bank's website, if he has questions, then he receives answers quickly and to the point. What is most attractive in such cooperation is the speed of service and the completeness of offers. Not in every bank you can get your own team of employees, albeit partly virtual ones, with opening an account: a lawyer, an accountant, a personal assistant. Almost all cases requiring professionalism are performed by specialists instead of an entrepreneur. A rare person knows how to do everything himself - to calculate taxes, draw up contracts,even fill out payments or look for candidates for vacancies. Helps in this, and very effectively, "Modulbank". Customer testimonials confirm this state of affairs.

More about pleasant things

This bank answers customer calls immediately, without an answering machine. In addition, they respond immediately in chats, Skype and social networks. Issues are resolved quickly and with full attention to the user. On average, an operator spends seven minutes per client. But if the question is difficult, naturally, the time for its resolution increases. The only thing that pleases the client is that he does not have to retell what has already been voiced a hundred times, because the same person will deal with his problem, even if it takes an hour, or two, or more. In communicating with customers, bank employees do not have officiality, and they also do not allow the use of special banking terms. Without any applications and trips to the bank office, all services are connected, new accounts are opened, currency is bought using the Internet. The client conducts all operations in his personal account.

Not all customers know what Ai-Pi-Ai (API) is. And the only bank that fully uses this interface is Modulbank. Reviews of services often talk about how convenient the application system is - ready-made classes, procedures, functions, structures, constants that are offered in the banking operating system. A single software service is used in external products offered by the bank. Thanks to this, the client can at any time check account balances, receive statements and the like, without even visiting his personal account on the website of a financial institution. Mobile applications and personal account are also updated monthly for speed and security of work. Therefore, entering the application takes less than a second, and no one will be able to intercept the confirmation code.

About cooperation opportunities

But all this does not mean that any person from the street can become a client of Modulbank. This is not true. Here, the legality and legal purity of each business will be carefully checked. The bank works only with small businesses, and therefore does not invest resources in extraneous matters. Risky loans are not issued here either to individuals or transnational corporations. The bank's existing products are directed only to small businesses. All deposits, that is, all money on Modulbank's accounts, are insured by the Deposit Insurance Agency, and therefore, if there is less than 1,400,000 rubles on the account of an individual entrepreneur, security is guaranteed. Even if a license is revoked, the insurers will return them to the owner. The main shareholder of Modulbank is Sovcombank, which has a 24% stake. This is a strong and reliable financial institution, which gives even more stable confidence to Modulbank depositors.

Reviews of legal entities often raise the question of the safety of deposits. Here, they are very careful to ensure that the law is fully observed. Be especially attentive to the points that sayon combating money laundering (Article 115-FZ). Therefore, the bank very clearly determines the business reputation of the client company, its financial position, and the goals pursued in economic activities. This is especially true for potential clients. Details of the refusal will not be disclosed under any circumstances, but if the company account is denied, then there were good reasons for that.

Why without giving reasons? Because the bank has no right to disclose them, since this concerns measures that apply to impure capital. Sometimes an already opened account is blocked under the same pretext. All documentation is checked - contracts with partners, tax returns, acts and everything related to this. Moreover, the bank has the right to request any document at any time. This, of course, creates some inconvenience for customers and threatens to lose potential users, but it is impossible to sacrifice the safety of other depositors and the reputation of the bank. And if a financial institution fulfills absolutely all the requirements of the "Bank of Russia" (Central Bank), then this is undoubtedly a plus. This is how Modulbank works.

Can I revoke a license?

At the end of September 2017, any information about this is not true. The bank is not only operating, but also successfully operating. Therefore, fears that Modulbank's license may be revoked are groundless. People are afraid, because the last few years have been very generous in the deprivation of licenses of seemingly successfulcredit institutions with big names.

In 2015, Modulbank also had some deviations from the standards, but they were not so deadly, and since then not only there has not been the slightest violation, but the bank has strengthened its position in the financial market. This financial institution fully complies with the standards of the Central Bank of the Russian Federation, shows a constant profit, increases the current funds invested by legal entities. It should be noted that their growth is significant - 89.4%. It means that thinking now about revoking the license from Modulbank is absolutely futile.

Internet acquiring in "Modulbank"

Reviews tell a lot about this service, and it is quite rare for users to reject this system. Pluses are usually indicated. Firstly, payment is made through the site, using social networks, or even simply through the phone, that is, it works like a regular cash register, only electronic. It costs itself on the site and receives money. The bank does not take a bribe for servicing, only for purchases - an established commission. No purchases - free acquiring. Sales are calculated in the personal account, statistics are collected, where you can see everything: how many and what customers appeared, what exactly they bought and when.

Information is updated with each new purchase, and therefore the seller cannot be unaware of his sales. He knows exactly what customers prefer, and therefore it is possible to regulate purchases in favor of popular ones, come up with discounts and promotions, andmany other things. Acquiring opportunities are very high. It is very easy to join - by request. Further, within three days the client will receive a message about the result from Modulbank. Feedback from staff indicates that this service is very popular.

Benefits

The advantages of acquiring are highly valued. It is very convenient for both customers and the store. The money for the purchase is on the current account the very next day, including payments from abroad. Purchases are paid anywhere - all over the world. To work with foreign payments, there is an acquiring bank, and the user only needs to receive money. The current account of "Modulbank" existing in the mobile application on the phone is mentioned especially often by reviews, because it is difficult to imagine a more convenient way of working.

Even when the owner is away from his laptop, he can control all income and expenses, send payments and receive them. There, as well as on a big screen, you can see all the basic information about the financial situation of the company: how much money is and on what accounts, where it comes from, where it goes, and statistics can be viewed for the year, quarter, month, week and day. Even if there is a need for cash, the mobile application, based on the location of the person, will determine the nearest ATM where commission fees are not required.

Personal account and more

To open a current account for an individual entrepreneur in Modulbank, reviews suggest submitting an application and waiting for a response. It is not certain that hewill be positive, but if everything is good with the reputation of the enterprise, a refusal is unlikely to follow. Further, all procedures are very fast. If you have questions, you can ask them directly in the chat, where bank employees will immediately give answers. There you can also ask employees to perform a particular service if you suddenly cannot perform some action on your own (for example, the client is in a traffic jam). The mobile application allows you to send account details to partners, for this you can use e-mail, SMS or inform via messenger.

To work with "Modulbank" a personal account is enough, no additional programs need to be installed. The entrance is very simple, none of the options will cause difficulty or inconvenience. If a company has several individual enterprises or LLC, all elements of its structure will be connected to one personal account with all their separate accounts. Access can be not only for the head, it is possible to provide them with deputies, an accountant and his assistants. This will make it easier to work with invoices, payments and the like. There you can also prepare documents for the director to sign. But access can have completely different levels: you can only view information, you can only work with payments, you can only transfer money.

Accounting

Internet accounting is connected to the account in "Modulbank". It can be "My business", "Elba" or 1C. Account statements will be made automatically, in the same wayIn this way, the accounting department will calculate contributions and taxes, prepare payments without the slightest participation of the human factor in this process. At any time, you can get an extract from your personal account in any format - csv, pdf, 1C or html. Some payments, especially recurring ones, can be placed in favorites to save time, you can also repeat any payment, even if it was last made many months ago. All information is meticulously stored in the history, so you won’t have to fill out the payment again, unless you need to edit the purpose and amount of the payment.

A client of "Modulbank" can open as many accounts as he likes, but this applies only to ruble accounts. Often, judging by the reviews, this is necessary in order to pay for different services in different places. For example, sales of sports equipment and staff training. Convenience is also noted in the fact that notifications are always sent from the personal account simultaneously with the payment, so partners do not have to worry about payment if a notification is received that the money has already left the account. You can always analyze the state of the company's finances, since the statistics in your personal account, as already mentioned, show any moment of activity and any period. Therefore, an entrepreneur can draw up a graph that will show how the growth of the company's revenue depends, for example, on the season. In addition, the personal account analyzes all financial statistics on its own and sends a weekly financial report to the entrepreneur by e-mail.

Some details

ReviewsModulbank employees very often say that the clients themselves suggest improving the personal account program, and their ideas are often used. The previous version went through one hundred and thirty of these changes, as customers suggested very clever improvements. As a result, we got the first place in the competition of the best banking programs (founded by the Chamber of Commerce and Industry of Russia), where the best one was chosen according to thirteen criteria. If the phone has a fingerprint recognition function, then the Modulbank application will let you into your personal account in the same way. It's convenient because it's fast. You can sign in with a four-digit PIN code to avoid having to remember long passwords and avoid entering them for a long time. Reviews about "Modulbank" tell about many interesting bonuses. For example, with just one click from the application, you can send a link to a colleague and invite him to cooperate with the bank. If this friend signs an agreement with the bank, then both clients will receive free service for a month.

The cost of service in "Modulbank" is the most profitable, judging by the rating. The closest competitor charges exactly twice as much for this. And the bank manages depositors' money very carefully, the risks are minimal. They invest only in the most reliable securities recommended by the Central Bank, although their profitability is not the highest, but the risk is low. If banks have deposits with twelve percent per annum, they need a high return, so they take risks, providing a profitinvestments in the most highly profitable instruments. There are no such deposits in Modulbank. But safety is top notch. If an unusual payment appears on the client's account, the details are immediately clarified by phone. Suspecting fraud, the bank stops the payment, and blocks the personal account so that fraudsters cannot harm the client's deposits.