Which bank is more reliable. The most reliable bank in Russia
Which bank to choose for a deposit? Let's take a closer look at this issue.
Bank deposits are a type of so-called passive income when a person decides to open a deposit in a certain amount of money in order to make a profit. In addition, this type banking operations is an independent source of income, which, accordingly, is subject to a certain tax from the state.
The main tasks of opening deposits
When investing your money in a bank, you first need to decide on the purpose of such investments. These may include:
- accumulation of funds;
- preservation of existing capital;
- various loans secured by a deposit;
- investment in the form of income from bets on the stock exchange.
Banking organizations need both to make a profit and to receive new funds, so they are trying in every possible way to attract depositors. For this, numerous programs are being developed that allow you to profitably invest your capital, but practice shows that of all such proposals, only two or three can be considered really profitable. Which bank to choose for a deposit is interesting to many.
When investing money, you must remember that no one commercial organization will not work to its detriment, therefore, when choosing a reliable bank, you need to carefully study all its characteristics and programs.
How to choose the right investment program
Though bank deposits are regulated and protected by law, the investor must familiarize himself with all the main and additional conditions, established by the bank for a particular type of operation.
These conditions may be:
- "floating" interest on bank deposits;
- method and periods of accrual of interest on the deposit;
- preferential conditions for various promotions.
Deposit amounts
The amounts of investments in the bank can be very different, depending on the capabilities of the client, as well as on the conditions of the program of the bank itself. Nevertheless, it is not recommended to invest more than 1.5 million rubles, since exceeding this amount will deprive the depositor of insurance payments. Such payments are made on all deposits, even within the same bank.
Thus, if a client has a desire to make a deposit in excess of 1.5 million rubles, you need to carefully choose a bank, as well as distribute the amount of such investments. It is important to find out thoroughly what interest on deposits in banks exists.
Terms of deposits
The main of all the provisions of the deposit opening agreement is the determination of the terms for which it is calculated. Interest rates largely depend on this, since, as a rule, the longer the investment period is planned, the higher the interest paid to the depositor by the bank. Some deposits differ in that the interest rates on them directly depend on the exchange rate. The terms of investment also depend on which investment program has been chosen. In this regard, there are such types of investments as savings, children, salary, pension, etc.
Possibility of carrying out all kinds of settlement operations and partial withdrawals of funds
There are banking programs, according to which the depositor has the opportunity to use funds when carrying out certain settlement transactions, for example, utility payments, taxes, etc.
Other deposit programs allow you to partially withdraw money, or, on the contrary, replenish your account.
There are widespread programs for deposits in Moscow banks, which provide for an irreducible threshold of interest rates.
At the same time, a part of the funds that cannot be used before the expiration of the investment agreement is determined on the account.
Bank ratings
The main way to decide when choosing a bank where you can make a profitable investment of money is to look at its ratings. The provision of such information is usually carried out by large rating agencies, such as "Rus-Rating", "Expert RA" and others. This is a kind of protection of the rights of bank depositors.
A potential depositor can also study the information on the credit statements of a particular bank, which is published on the official website Central Bank, or on the Banki.ru website. Such information will be extremely reliable, which will help you make the right decision when choosing a reliable banking organization.
Financial indicators are the main information confirming that the bank can be trusted. And in order to analyze how things are going in dynamics, you just need to compare such indicators for several past periods of time. The increase in bank assets in this sense is a good sign. In addition, the size says a lot. authorized capital, that is, the amount of his own funds.
How to choose a reliable bank
To be able to choose Better conditions deposits in banks, here are some basic recommendations:
1. Before making an investment in a bank, it is necessary to check the fact that the banking organization belongs to the Russian insurance system.
2. Determine the range of banks whose profitability analysis has shown good results.
4. Find out if various commissions or fees are provided for a particular investment, as well as get acquainted with the varieties of various additional services.
5. Ask about the opinion of other depositors about the reliability of a particular bank. Which bank to choose for a deposit?
To date, there are quite a few such banking organizations. The client is determined with a choice, based, as a rule, on personal preferences, feedback from people, the location of the bank, potential material gain for yourself, etc.
The list of such banks includes:
These are not all banks in Moscow. Deposits can also be opened in other financial institutions.
Deposits in the bank "Sberbank of Russia"
This bank is distinguished by high reliability and stability, plus everything - it is supported by the state. There are more transparent relations "bank - depositor". He participates in deposit insurance, and you can open an investment online. The minimum amount here will be 1 ruble, placement terms - from 1 month to three years, and interest rates from 3% to 7%, depending on the type and period of investment. Replenishment of funds is possible, as well as the withdrawal of some sum of money partially.
This was not the case for this bank to deceive depositors.
"Ural bank"
This rapidly developing banking organization, headquartered in Yekaterinburg, is the leader in its region in the banking industry. The bank has the status of a very reliable partner and offers quite profitable programs for cash investments.
What is the interest rate on bank deposits? On average, the rate on deposits is about 6%, the minimum amount of such an investment is 10 thousand rubles, the terms are from one month to five years. Deposit insurance is confirmed, and you can make a deposit by visiting a bank branch. Partial withdrawal or replenishment of funds is possible.
"Tinkoff Bank"
This bank also offers very profitable terms contribution programs, for example, everyone who takes advantage of this opportunity receives debit card. In addition, it is possible to open investments in various currencies, as well as withdraw money partially. Deposit insurance is present here, minimum deposit is 55 thousand rubles, and the terms of placement of investments - from 3 to 24 months. The minimum interest rate is 9%. You can open a deposit remotely.
VTB 24
Not very favorable conditions for opening investments are provided by given bank. The main reason for this is the too large amount of the minimum contribution - 200 thousand rubles. There are few programs for opening investments, which makes it difficult for customers to make a choice in favor of this bank.
Interest rates on deposits - 7.5%, terms of placement - from 2 to 60 months, interest is calculated monthly. Withdrawal of money is possible only under one investment program.
Where else can you make deposits at a high interest rate? There are still a lot of banks.
"Rosselkhozbank"
It is a reliable and stable bank, investments in which are profitable and convenient. The minimum term for placing a deposit here is from one month, the minimum contribution is 10 thousand rubles, interest rates are from 0.01% to 8.8%, depending on the type of investment. Profit is accrued monthly, replenishment and partial withdrawal of money is possible.
"Renaissance Credit"
A convenient and time-tested bank, where the minimum amount is from 1.1 thousand rubles, the placement period is from 2 months to 2 years, interest is charged according to the client's preference, and interest rates are 7-9%, depending on the type of investment. It is possible to open such a deposit in any available bank branch.
"Gazprombank"
In this bank, all deposits are subject to compulsory insurance, which is one of the main signs of reliability. The minimum contribution is rather big - from 100 thousand rubles, which will not allow every depositor to take advantage of the offers of this bank. Terms of investment placement - from 90 to 100 days, interest rates - from 0.01% to 8%, it is possible to replenish the account, withdraw cash partially - too.
"Binbank"
In this bank, depositors are given the opportunity to make an investment online, in addition, it offers numerous deposit programs with a relatively small minimum contribution - 10 thousand rubles, interest on bank deposits in the amount of 7%, and monthly accrual of profit. The minimum term for opening a deposit in this bank is 2 months, and the maximum is 2 years. Withdrawal of money in installments is possible.
Bank opening"
Approximately the same investment conditions as the previous bank for opening investments, except that the minimum contribution amount must be at least 50 thousand rubles. Interest rates are about 8%, and deposits or withdrawals are also possible.
"Alfa Bank"
This bank differs significantly from others in that when investing money, there is an opportunity to get a decent profit, but for this you need to make a large amount of money as an investment. In this case, the minimum contribution is 10 thousand rubles, at an interest rate of 4.1%. Interest is accrued monthly, terms of deposits from 3 months to 5 years.
"Sovcombank"
In this bank, there is a convenient opportunity to replenish deposits on a monthly basis, as well as making an initial payment in several steps. The minimum cash contribution is 30 thousand rubles, and the interest rate is from 5% to 9%. In addition, there is the possibility of withdrawing funds. Interest is calculated on a monthly basis.
Promsvyazbank
This bank provides depositors with the opportunity to save interest on deposits even in cases early withdrawal money partially. Interest is accrued only at the end of the investment period, the minimum contribution of which is 10 thousand rubles. It is also possible to replenish the deposit. Interest rates - from 6% to 9%.
Bank "UBRD"
The advantages of this bank are that an initial fee is a small amount, and the variety of investments is very large. The minimum contribution is 1 thousand rubles, interest rates are 5-9%, profit accrual is monthly. Withdrawal of money is possible at any time of the deposit, as well as its replenishment. stable and reliable bank.
"Bank of Moscow"
At this rate, the advantages on deposits are received by citizens who have opened a deposit via the Internet or an ATM. For them, the interest rate will be much higher. In addition, there are profitable offers for pensioners and payroll clients.
Minimum amount installment is 1 thousand rubles, and the terms of placement - from 100 days to 36 months, at interest rates of 7.5-8.5%. Withdrawal of money partially - perhaps, replenishment of the account is welcome.
Mosoblbank
In this bank, as in many others, it is possible to receive monthly interest on deposits. Here, the amount of the first installment is relatively small, and it amounts to 10 thousand rubles, for the period of placement of such an investment for 1 year. Interest rates here are quite high, which allows the depositor to have good income. These rates range from 6% to 9%. Replenishment and partial withdrawal of funds is possible. Which bank to choose for a deposit?
"Home Credit"
In this bank, you can open an investment in both Russian and foreign currencies, but it is not possible to partially withdraw money. You can top up your deposit. The interest rate here is from 7% to 9%, accrual of profit - monthly or once - at the end of the deposit term. The minimum deposit amount is 1 thousand rubles, which is also very convenient for those citizens who wish to open an investment, but do not have a large amount of money.
"Post Bank"
This bank has a good opportunity to open a deposit exclusively in rubles. For customers who have used the service via the Internet, interest rates will be higher than for those who open an investment in a bank branch. In this banking organization, the minimum contribution is 5 thousand rubles, at 7-9%, with interest accrued quarterly or monthly. Partial withdrawal of funds is possible, as well as replenishment of the deposit.
"AK Bars Bank"
The minimum amount of funds in this bank will be 5 thousand rubles, with the ability to replenish the investment or withdraw part of the money. Terms of deposits placement - from 1 month to 1 year, and the interest rate - 6-9%. Interest is calculated daily, which distinguishes this banking organization from many others, the minimum term for accruing profit in which is at least 1 month.
What reliable banks exist today within the framework of financial structure RF? Constant changes in the political and financial sphere of our country have become the reason that residents do not risk investing their money on deposits. The same situation applies to credit programs these financial institutions. But if a citizen wants to use the services of such structures, he is recommended to first study the reliability and stability rating of banks and the conditions they offer. This moment is especially obligatory for those who are planning long-term cooperation with a financial institution. The list of reliable banks is formed on the basis of expert opinion of specialists financial sphere and data of the Central Bank, as well as taking into account the responses of customers of these credit institutions.
Main problem banking institutions is in the service sector. This, unfortunately, also applies to the activities of employees of a financial institution. Rudeness and unprofessionalism are found everywhere. If a future client of such an institution wishes to acquire reliable information about the bank's offers, he should receive advice from not one, but several of its employees.
So which banks are reliable?
Sberbank
This financial association is the largest in Russia, it has the largest share in total assets - it reaches almost 30%. The volume of the loan portfolio is 14 billion rubles, which is three times more than that of the closest competitor. The main advantage of the institution is that it is a state structure: investors should not be afraid of possible loss of funds due to license revocation. In addition, Sberbank has the most extensive infrastructure throughout the country, and ATMs can be found even in the most remote cities.
This is the most reliable bank for deposits.
The main advantages of the institution include:
- Minimum bid on mortgage lending.
- Expanded infrastructure.
- A good and thoughtful bonus program for loans and deposits.
Among the shortcomings of Sberbank:
- Low level of service.
- Periodically arising difficulties in the operation of computer software.
- Long wait due to long lines.
What financial institutions can still be called reliable? Which banks are among them?
Currently, a financial institution offers its customers a wide range of services. This institution serves not only private traders, but also medium and small businesses, and provides them with package services, credit programs, bank guarantees, depository services. To date, there are 26,000 companies and about a million individuals among the clients of the credit organization. As for the percentage of deposits, the bank has a share of 8.9%. The main number of customer complaints is related to poor service in regional offices.
Among the main advantages of the organization "Unicredit" can be noted:
- Good bonus program for deposits.
- The presence of a large number of offices in large cities.
- Convenient online version of bank account management.
Among the disadvantages:
- Low service.
- A small number of offices in small towns.
Many are interested in reliable banks with high interest by deposits.
"Rosbank"
It is a subsidiary of a group of financial institutions from France Societe Generale. A credit institution has state assets, so the likelihood of revoking its license is minimal. Rosbank is a universal financial structure that serves private depositors and enterprises in various fields. The bank offers its customers attractive loan offers that are beneficial for small businesses with a small annual percentage. However, customers leave rather conflicting reviews. Negative feedback is associated, as a rule, with unprofessional service, irrelevant information about the location of working offices.
Among the advantages are:
- Support for foreign banks.
- Availability of state assets.
- Favorable credit conditions.
The main disadvantage is low level service personnel competence.
Which banks are reliable - not everyone knows.
Raiffeisenbank
It is a subsidiary of an Austrian financial structure. Every year it is one of the leading places in the ranking not only according to the Central Bank, but also according to the well-known financial magazine Forbes.
The most reliable bank provides services to private and corporate clients. The main advantages of Raiffeisenbank are a convenient and thoughtful version of the online service, favorable terms for granting loans, and flexible deposit programs. Clients report that the financial institution provides decent service, however, in some cases, annoying situations arise when representatives of the institution provide incomplete information to the client.
The main advantages of the organization are the following:
- Convenient self-service system.
- Profitable projects lending.
- Existence of an extensive network of branches.
- The company is a subsidiary of a proven and well-known structure.
The main disadvantage is the low competence of bank representatives in regional branches.
Citibank
Deposits are provided by a large American concern, whose subsidiary is a financial institution. In any major city in Russia there is a branch of this bank, and the infrastructure in them is developed in the best way. The main specialization of the institution is serving large corporations, however, affordable and profitable offers for loans and deposits are also provided to individuals.
Among the advantages of the organization are:
- Convenient online banking system.
- A convenient system for using funds on a bank account when you are in other countries.
- Support from foreign capital.
Disadvantages of this financial structural unit:
- Lack of representative offices in small towns.
- Low competence of employees in regional offices.
Bank "Intesa"
He is a representative of Italian capital in Russia. The bank is focused more on working with organizations with large capital, but good programs for loans and deposits are also provided for individuals. Customers usually leave favorable reviews.
Advantages of a financial institution:
- Focus on business lending.
- Beneficial programs by deposits.
Flaws:
- A long wait for receiving money in branches with the "tax free" program.
- Rude customer service at some locations.
Gazprombank
Credit institution is supported by state capital. The main specialization is the financing of enterprises whose activities are related to the extraction and transportation of natural gas and oil. In addition, the bank provides services to individuals, offering them profitable and convenient programs. The most profitable offer is car loans for individuals reduced rates: credit organization has an agreement with many major automotive concerns.
The stability and reliability of the bank is beyond doubt.
Among the advantages it should be noted:
- The presence of its own mobile application that allows you to access the account.
- good system Internet service.
- High reliability bank, confirmed by international financial institutions.
- The presence of a large asset, the amount of which exceeds 500 billion rubles.
- High degree of trust among the inhabitants of the country.
The main disadvantages are:
- Poorly developed self-service system - ATMs are not even present in all regional centers.
- The presence of negative reviews from customers of this financial institution.
"VTB Bank of Moscow"
Every year it occupies one of the leading positions in the rating of banking institutions. For private entrepreneurs, small and medium-sized businesses, individuals, the organization offers an extensive range of programs for loans and deposits. Many citizens use car loans and mortgages in this bank. The state is the owner of a part of the capital of a financial institution, so the probability of losing money is minimal. VTB is considered one of the most reliable banks in Moscow.
Among the advantages:
- Availability of a stable online banking system.
- Provide 24/7 access to hotline.
- The presence of a large number of own self-service stations.
- good programs bonus bonuses on deposits and credit cards.
Flaws:
- The financial institution provides low interest by deposits.
- Some employees are incompetent.
- Paid SMS notification.
Rosselkhozbank
In terms of assets, it currently ranks fifth among Russian banks. It is backed by state capital. The main specialization of the organization is servicing agro-industrial enterprises. In addition, the institution provides services to individuals, private entrepreneurs. The financial institution offers a variety of advantageous offers servicing loans and deposits.
Among the advantages of the bank:
- Favorable lending programs for young families.
- No loan fees.
- Availability of low-interest lending programs.
Flaws:
- Low speed of service in branches.
- Need compulsory insurance for lending programs.
"VTB 24"
It is a subsidiary of VTB Bank of Moscow holding. Its main advantage is its focus on serving individuals and small businesses. As a result, the organization is well developed infrastructure, many ATMs and branches. Deposits made to the bank are in maximum security, since the institution has public money.
The disadvantages and advantages of the bank are identical to those of VTB Bank of Moscow, the only difference is the presence of more interesting lending programs for individuals.
The best financial institutions for making deposits
It is better to make a deposit in a bank that does not have state money, or their amount is minimal. Such organizations, unfortunately, offer minimal interest rates, but they provide maximum safety of investments. The highest interest rates are offered by institutions with state support, but in this case, the client risks losing his funds. In view of this, it is desirable before concluding financial relations with a banking institution to get acquainted with the rating of banks in terms of reliability.
Totally agree Last year several banks in Russia were deprived of their licenses at once. Of course, for many investors this was a real shock - how to get their money, when can it be done, will the deposits and, most importantly, interest on deposits be lost? In this regard, many depositors have a question: which bank is the most reliable in Russia? And is it possible to rely on it if it is decided to make a deposit for a large amount?
When making a deposit, you should remember only one thing - the depositor will definitely get back his legal amount of money, but only if the deposit did not exceed 1,400 thousand rubles (previously this amount was half as much - 700 thousand rubles).
Therefore, if you decide to make a deposit for a large amount of money, then you should approach this issue wisely and choose the most reliable bank in Russia correctly.
Which bank can you trust with your savings?
So you decide to open new contribution and profitably invest your savings. And then the question arises: who to trust? Here is a list of 10 banks that inspire confidence:
How to choose the most reliable bank
So, as practice shows, despite the huge amount of information on this issue, the country's population is still financially illiterate and does not know how to choose a reliable "storage" for their savings. As a result, the license is taken away from the bank, and the ordinary depositor loses a considerable amount of money.
So how to choose a reliable bank that will help not only save, but also accumulate savings? Use a few tips:
- Make sure that the bank is really part of the insurance system. To do this, check that the organization involved in the storage of money and the issuance of loans is indeed a bank, and not an ordinary one. financial institution, luring you with high interest on deposits. Whether a particular branch is a member of the insurance system can be found by contacting the hotline of the insurance agency. As already mentioned above, at present the insurance amount is 1400 thousand rubles.
- Do not invest more than maximum amount insurance. In the event that you have more than 1,400 thousand rubles on hand, this money can be divided and invested in several banks or open another deposit in the same bank, but for a relative. By the way, in the event that the bank's license is revoked, then not only the amount of the deposit is insured, but also the interest that fell under this deposit. Therefore, you can count not only on the amount that you invested in the bank, but also on material compensation.
- Pay close attention to paperwork. Including re-read the contract and keep it and the cash receipt order intact and safe.
However, despite all the warnings, it also happens that the bank's license is still revoked. In this case, proceed as follows:
- Do not be nervous and panic. Two weeks after the bank's license was taken away, the DIA (insurance deposit agency) posts on its website a list of places where you can get insurance payments. In addition, lists are often posted on the doors of former bank branches.
- Don't rush! As a rule, clients, in a panic that their funds may burn out or disappear somewhere, want to receive their funds immediately. In fact, everyone without exception receives the money, but it’s one thing if you receive it in the first week, having stood in a long queue, and it’s quite another thing if you collect the payments a little later, at a time convenient for you and without too much panic and long queues. By the way, you will be able to receive your deposit within 1.5-2 years after the license was revoked from the bank. If at the moment you do not have the opportunity to withdraw your deposit, then you can send an application certified by a notary to the DIA by mail, then your funds will be transferred to the specified account or sent by money transfer.
When contacting an agent bank, do not forget to bring your passport with you. If you are an ordinary depositor, then you can be given money both to a bank account and in cash. As for entrepreneurs, they will be able to receive their money only in a non-cash way and to the account of another bank. And remember: no matter what amount you have on hand, the main thing is that your deposit in the bank does not exceed 1400 thousand rubles.
Rating of banks - assessment of objects according to the degree of compliance with various parameters. It allows you to provide objective information about the activities of the institution. It is compiled by an independent and authoritative organization, which can be played by both the Central Bank of the Russian Federation and rating agencies.
Criteria for rating banks
The most reliable banks are determined by the level of trust that is formed today by the number:
- all capitals.
Liquidity and long-term creditworthiness indicators are taken into account.
Thanks to these indicators, it is possible to determine the financial stability of the banking structure. The higher all indicators, the less likely that a bankruptcy situation will arise.
Reliability rating of banks
Data about cash receipts and turnover are updated monthly. A rating of banks is compiled according to reliability according to the data of the Central Bank. It takes into account the ability of a particular institution to fully fulfill its obligations as before individuals, and before legal. The Central Bank of the Russian Federation carefully checks
compliance of institutions with certain indicators.
Rating of banks in the Russian Federation, compiled central bank, is considered fundamental. This body provides a unified state monetary policy. The list compiled by this structure may concern not only banks, but also NPFs and insurance companies. It is based on indicators financial reporting and outcomes of institutions.
How to independently compile a reliability rating of Russian banks and make the right choice?
Everyone can independently compile their own rating of banks in terms of reliability. To do this, research:
- structure and reporting documents;
- the composition of the founders;
- ratings and reviews of other users;
- interest rates;
- availability of warranty.
Before choosing a financial institution, focus on whether it is a member state insurance deposits. The larger the founders, the more reliable the financial institution. pay attention to organizations with domestic capital that serve the largest industrial enterprises Russia.
We offer a rating of Russian banks, compiled taking into account various data. With it, you can find the most reliable financial institutions that fulfill all the conditions to ensure the safety of customers.
Due to the constant changes in the financial and political life of our country, many residents do not risk investing their savings in deposit accounts of Russian banks. The same applies to the credit programs of these financial institutions. For those who still want to use banking services, but does not know in which bank you can take a loan or open a deposit, we offer a rating of the best banks in terms of the reliability of the Russian Federation, based on expert opinion financial professionals and data of the Central Bank, as well as reviews of ordinary customers of these banks.
Comparative table: TOP-10 of the best and most reliable banks in Russia
The problem of working with clients is a real scourge of the Russian service sector. Unfortunately, this also applies to the work of bank employees. Unprofessionalism and rudeness can be found everywhere. If you really want to get reliable information about banking offers, it is better to clarify them not with one, but with several representatives of the company.
1. Sberbank
The largest financial association of the Russian Federation, it has the largest share of the total monetary assets- slightly less than 30%. The loan portfolio is 14 billion rubles, which is three times more than that of the closest competitor. The main advantage of the institution is that it state structure: contributors are not threatened with loss of funds as a result of license revocation. It has the most extensive infrastructure in the country, ATMs are found even in the most seedy towns.
Advantages of the bank:
- Minimum mortgage rate;
- Extensive infrastructure;
- A good and thoughtful bonus program for deposits and loans;
Flaws:
- Poor service culture;
- Long wait due to long queues;
- Periodic difficulties with the operation of computer software.
2.
Today, the bank offers a wide range of services for both individuals and small and medium-sized businesses: from package services to depository services, bank guarantees and loan programs. About a million Russians and 26,000 companies use the bank's services. In the percentage of deposits, the bank's share is 8.9%. Most user complaints are related to the level of service in regional offices.
Advantages of the bank:
- Good bonus program for depository offers;
- A large number of offices in major cities;
- Convenient online version of bank account management.
Flaws:
- Low level of service;
- A small number of branches in small cities of the country.
3. "ROSBANK"
A subsidiary of the Societe Generale financial group from France. The bank has invested state assets, so the risk of revocation of the license is negligible. It's universal banking structure, serving the enterprises of any sphere of business and private investors. Offers tempting loan offers beneficial for small businesses with low annual interest. User reviews are both positive and negative. The main negative, as in 90% of other cases, is associated with the lack of professionalism of the service personnel and the irrelevance of data on the location of the bank's operating branches.
Advantages of the bank:
- Favorable loan offers;
- Availability of state capital;
- Support for foreign banks.
Flaws:
- Poor service culture.
4. RAIFFEISENBANK
Another daughter of the European financial structure, the Austrian company Raiffeisen Bank of the same name. Every year it takes one of the leading places in the ranking of the best Russian banks. Works with both private and corporate capital. Flexible deposit programs, profitable credit conditions, a well-thought-out and convenient version of an online bank - these are the main advantages of this financial institution. According to the bank's clients, the service is at the level, but there are also annoying shortcomings when employees provide an incomplete set of information.
Advantages of the bank:
- A subsidiary of a well-known and proven banking structure;
- An extensive network of institutions;
- Favorable credit projects;
- Convenient self-service system.
Flaws:
- Low professionalism of employees in regional offices.
5. CITIBANK
The provision of deposits is guaranteed by the largest American concern "CityGroup", which owns this subsidiary. There are branches in all major cities. Russian Federation, where the company's infrastructure (self-service departments, branches and ATMs) is 100% developed. The bank mainly specializes in servicing large intercontinental corporations, but there are profitable and affordable offers for deposit and credit deposits for individuals. Ordinary customers praise for a well-thought-out Internet banking system and the ability to withdraw deposits through ATMs in all corners of the world and without a commission fee.
Advantages of the bank:
- Supported by foreign capital;
- Convenient system for using funds from a bank account in other countries;
- A clear and convenient version of online banking.
Flaws:
- There are no branches in small towns;
- Low level of service in a number of regional offices.
6. INTEZA BANK
Representative of Italian capital in Russia: the bank is a subsidiary of the financial company Intesa Sanpaolo. Like other subsidiaries, it is more focused on working with large capital. For individuals, good credit programs and depositary offers are provided. The main branches are concentrated in major cities throughout the Russian Federation. Customer reviews are mostly favorable, most complaints are related to a misunderstanding of the situation itself by the consumer or bank employee.
Advantages of the bank:
- Bank for business lending;
- Favorable deposit programs
Flaws:
- Long-term receipt of funds in the branches under the "tax free" program;
- There was a boorish attitude towards customers in some branches of the bank.
7. Gazprombank
Bank with the support of state capital. Specializes in financing companies involved in the production and transportation of oil and natural gas. Works with individuals, convenient and profitable credit and deposit programs have been developed for them. The offer of car loans is especially advantageous for individuals with low interest rate: the company has agreements with a number of large automobile concerns. Branches banking enterprise exists not only in the territory of the Russian Federation, but also beyond its borders.
Advantages of the bank:
- More than 3% of all residents of Russia trust the Bank with their investments;
- The bank's assets exceed 500 billion mark;
- High reliability of the bank, confirmed by international financial structures;
- Good internet banking system;
- Have your own mobile application to access the account from smartphones and tablets;
Flaws:
- The network of own self-service systems and ATMs is poorly developed even in the regional centers of the country;
- The presence of negative feedback from bank customers.
8. VTB Bank of Moscow
Stable in the top 5 Russian banking institutions. A whole range of depositary and credit programs has been developed for private entrepreneurs, small and medium-sized businesses and individuals. A large number of Russians use mortgage and car loans in this bank. Part of its capital belongs to the state, so the risk of losing your money is minimal. In 2004, during the world financial crisis the state has already helped him: he was able to fulfill his obligations to clients.
Advantages of the bank:
- Good bonus programs for deposit and credit cards;
- A large number of own ATMs and self-service stations;
- Availability of a hotline - it works around the clock;
- The Internet banking system works quickly and without failures.
Flaws:
Online banking is not fully developed, a number of issues can only be resolved in branches;
- For SMS messages about debiting money from the account, you have to pay out of your own pocket;
- Negative feedback about the incompetence of individual employees;
- Minimum interest on deposits.
9. Rosselkhozbank
Currently, it ranks fifth in terms of assets in the rating of Russian banks. Like the rest top banks are backed by state capital. Specializing in corporate services agro-industrial complex also works with private entrepreneurs and individuals. There are a number of interesting offers on depositary and credit services.
Advantages of the bank:
- Availability of credit programs with low annual interest;
- No loan fees;
- Favorable conditions for maternity capital;
- Good credit conditions for young families.
Flaws:
- Compulsory insurance under credit programs;
- Low speed of service in branches.
10. VTB 24
A subsidiary of the financial holding VTB Bank of Moscow. The main advantage of the bank lies in its narrow specialization: it is focused on working with small businesses and individuals. Because of this, the bank has a well-developed infrastructure, has a large number of its own ATMs and self-service departments. Deposits will be in maximum security, as the bank has state funds.
Advantages and disadvantages of the bank:
- Almost 100% identical to the same parameters for VTB Bank of Moscow: the only difference is more interesting lending programs for individuals.
Which bank is the best to invest money in and where are the best credit conditions?
It is better to deposit money in banks where there is no state capital or where it is minimal. Such financial companies, unfortunately, the minimum annual percentage. But they provide the maximum available reliability of saving their investments. As for credit programs, the answer is not so clear: each bank has its pros or cons. In this matter, it all depends on the type of loan and the period for which it is taken.