Which bank is more reliable. The most reliable bank in Russia
Which bank to choose for a deposit? We will examine in more detail in this matter.
Deposits with banks 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 of banking operations is an independent source of income, which, accordingly, is subject to certain taxes 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:
- cash accumulation;
- preservation of available capital;
- various loans secured by a deposit;
- investments in the form of income from exchange rates.
Banking organizations need both profit and new cash flow, so they are trying in every possible way to attract investors. 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 truly beneficial. Which bank to choose for a deposit is interesting to many.
When investing, you must remember that not a single commercial organization will work at its own expense, so when choosing a reliable bank, you need to carefully study all its characteristics and programs.
How to choose a suitable deposit program
Despite the fact that bank deposits are regulated and protected by law, the depositor should familiarize himself with all the basic and additional conditions established by the bank for a particular type of transaction.
These conditions may include:
- “Floating” interest on deposits in banks;
- the method and periods of interest on the deposit;
- preferential terms for various shares.
Deposit Amounts
The amount of investments in the bank can be very different, which depends on the capabilities of the client, as well as on the terms of the program of the bank itself. Nevertheless, it is not recommended to invest money in the amount of 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 the client wants to make a deposit in the amount of over 1.5 million rubles, you need to carefully approach the choice of the bank, as well as to allocate the amount of such investments. It is important to find out thoroughly what interest on deposits in banks exists.
Deposits
The main of all provisions of the agreement on opening a deposit is the determination of the terms for which it is calculated. Interest rates also largely depend on this, since, as a rule, the longer the investment period is planned, the higher will be the interest paid to the depositor by the bank. Some deposits differ in that interest rates on them directly depend on the exchange rate. The investment terms also depend on which investment program was selected. In this regard, there are such types of investments as funded, children's, salary, pension, etc.
The ability to conduct various settlement transactions and withdraw funds partially
There are banking programs according to which the depositor has the opportunity to use funds in certain settlement transactions, for example, utility bills, taxes, etc.
Other deposit programs allow you to partially withdraw money, or, conversely, replenish your account.
Widespread deposit programs in banks in Moscow, which provide an irreplaceable threshold for the interest rate.
At the same time, 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 is to look at its ratings. As a rule, large rating agencies, such as Rus-Rating, Expert RA and others, provide such information. This is a kind of protection of the rights of bank depositors.
A potential investor can also study information on the credit reports of a bank, which is published on the official website of the Central Bank, or on the website of Banks.ru. Such information will be extremely reliable, which will help to make the right decision when choosing a reliable banking organization.
Financial performance - basic 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 over several past periods of time. An increase in bank assets in this sense is a good sign. In addition, the size of the authorized capital, that is, the amount of its own funds, speaks volumes.
How to choose a reliable bank
In order to be able to choose the best conditions for deposits in banks, we give a few basic recommendations:
1. Before making an investment in a bank, it is imperative to verify that the banking organization belongs to the Russian insurance system.
2. To determine the circle of banks, the analysis of profitability of which showed good results.
4. Find out whether various commissions or fees are provided for a particular investment, as well as get acquainted with the varieties of various additional services.
5. Inquire the opinion of other investors about the reliability of a bank. Which bank to choose for a deposit?
Today, there are quite a few such banking organizations. The client is determined with a choice, based, as a rule, on personal preferences, reviews of people, location of the bank, potential material benefits for himself, etc.
The list of such banks includes:
These are not all banks in Moscow. Deposits can be opened in other financial institutions.
Deposits at Sberbank of Russia Bank
This bank is characterized by high reliability and stability, plus everything - it is supported by the state. There is a more transparent bank-investor relationship. He participates in deposit insurance, and you can open an investment online. The minimum amount here will be 1 ruble, the placement period is from 1 month to three years, and interest rates from 3% to 7%, depending on the type and period of investment. It is possible to replenish funds, as well as partially withdraw a certain amount of money.
It wasn’t such that this bank tricked depositors.
Ural Bank
This rapidly developing banking organization, whose head office is located in Yekaterinburg, is the leader of its region in the banking economy. The bank has the status of a very reliable partner and offers fairly profitable programs for cash investments.
What are the interest on deposits in the bank? On average, the deposit rate is about 6%, the minimum amount of such an investment is 10 thousand rubles, the terms - from one month to five years. Deposit insurance is confirmed, and a deposit can be made by visiting a bank branch. Partial withdrawal or replenishment of funds is possible.
Tinkoff Bank
This bank also offers very favorable conditions for deposit programs, for example, everyone who takes advantage of this opportunity receives a debit card. In addition, it is possible to open investments in various currencies, as well as partially withdraw money. Deposit insurance is present here, the minimum contribution is 55 thousand rubles, and the investment placement period is 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 this bank. The main reason for this is the too large amount of the minimum contribution - 200 thousand rubles. There are few programs to open investments, which makes it difficult for customers to opt for this bank.
Interest rates on deposits - 7.5%, terms of placement - from 2 to 60 months, interest is charged monthly. Withdrawing money is possible only for one investment program.
Where else can I place deposits at a high percentage? There are still a lot of banks.
Russian Agricultural Bank
It is a reliable and stable bank, investments in which are profitable and convenient. The minimum deposit term here is from one month, the minimum contribution is 10 thousand rubles, interest rates - from 0.01% to 8.8%, depending on the type of investment. Profits are 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, placement terms from 2 months to 2 years, interest is accrued according to the preference of the client, and interest rates are 7-9%, depending on the type of investment. It is possible to open such a deposit in any available branch of the bank.
Gazprombank
In this bank, all deposits are subject to compulsory insurance, which is one of the main signs of reliability. The minimum deposit is rather big - from 100 thousand rubles, which not every depositor will allow to take advantage of the offers of this bank. The investment placement terms are from 90 to 100 days, interest rates are from 0.01% to 8%, it is possible to replenish the account, partially withdraw funds as well.
Binbank
This bank offers depositors the opportunity to make investments online, in addition, it offers numerous deposit programs with a relatively small minimum deposit of 10 thousand rubles, interest on deposits in the bank 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. Withdrawing money in parts is possible.
Bank opening"
Approximately relevant investment conditions as the previous bank for opening investments, except that the minimum contribution amount should be at least 50 thousand rubles. Interest rates are about 8%, and it is also possible to replenish or withdraw funds.
"Alfa Bank"
This bank is significantly different from others in that when investing money there is the possibility of obtaining decent profit, however, for this it is necessary to make a large sum 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 on a monthly basis, the terms of deposit placement from 3 months to 5 years.
Sovcombank
This bank has a convenient possibility of monthly replenishment of deposits, as well as the implementation of an initial deposit in several stages. The minimum cash contribution is 30 thousand rubles, and the interest rate is from 5% to 9%. In addition, there is a possibility of withdrawing funds. Interest is calculated on a monthly basis.
Promsvyazbank
This bank provides depositors with the opportunity to maintain interest on deposits even in cases of early withdrawal of money partially. Interest is accrued only at the end of the investment period, the minimum contribution of which is 10 thousand rubles. To replenish the contribution is also possible. Interest rates - from 6% to 9%.
Bank "UBRIR"
The advantages of this bank are that the down payment is a small amount, and the variety of investments is very large. The minimum contribution is 1 thousand rubles, interest rates - 5-9%, profit accrual - monthly. Withdrawal of money is possible at any time of the deposit, as well as replenishment. Stable and reliable bank.
"Bank of Moscow"
At this rate, benefits 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 favorable offers for pensioners and payroll clients.
The minimum contribution amount is 1 thousand rubles, and the placement period is from 100 days to 36 months, at interest rates of 7.5-8.5%. Partial money withdrawal - 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 down payment is relatively small, and it amounts to 10 thousand rubles, for the period of placement of such an investment for 1 year. Interest rates are high enough, which allows the investor to have a good income. These rates range from 6% to 9%. Possible replenishment and partial withdrawal of funds. What bank to choose for a deposit?
Home Credit
In this bank you can open an investment in both Russian and foreign currencies, however, it is not possible to partially withdraw money. You can replenish the deposit amount. The interest rate here is from 7% to 9%, profit accrual - monthly or once - at the end of the deposit term. The minimum contribution amount is 1 thousand rubles, which is also very convenient for those citizens who want 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 use 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, as well as replenishment of the deposit is possible.
AK Bars Bank
The minimum cash in this bank will be 5 thousand rubles, with the possibility of replenishing the investment or partially withdrawing money. The terms of deposits are from 1 month to 1 year, and the interest rate is 6-9%. Interest accrual is daily, which distinguishes this banking organization from many others, the minimum period for which accrual of profit is at least 1 month.
What reliable banks today exist within the framework of the financial structure of the Russian Federation? The constant changes in the political and financial sphere of our country have become the reason that residents do not risk investing in deposits. The same situation is with respect to credit programs of these financial institutions. But if a citizen wants to use the services of such structures, he is advised to study the reliability and stability rating of banks and the conditions they offer. This moment is especially necessary for those who plan long-term cooperation with a financial institution. The list of reliable banks is based on the expert opinion of financial experts and data from the Central Bank, as well as taking into account the feedback from customers of these credit organizations.
The main problem of banking institutions is in the service sector. This, unfortunately, also applies to the activities of employees of a financial institution. Rudeness and lack of professionalism are found everywhere. If a future client of such an institution wants to acquire reliable information about the bank's offers, he should get advice from not one, but several of his 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 the possible loss of funds due to revocation of the license. 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:
- The minimum mortgage rate.
- Extensive 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 individuals, but also medium and small businesses, and provides them with package services, credit programs, bank guarantees, depository services. To date, 26,000 companies and about a million individuals are among the clients of a credit institution. As for the percentage of deposits, the bank has a share of 8.9%. The main number of customer complaints is associated with poor service in regional offices.
Among the main advantages of the Unicredit organization are:
- Good bonus deposit program.
- 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 cities.
Many are interested in reliable banks with high interest rates on 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 revocation of its license is minimal. Rosbank is a universal financial structure that serves private investors 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 usually associated with unprofessional service, the irrelevance of information about the location of working offices.
Among the advantages can be identified:
- Support for foreign banks.
- Availability of government assets.
- Favorable credit conditions.
The main disadvantage is the low level of competence of staff.
Which banks are reliable - not everyone knows.
Raiffeisenbank
It is a subsidiary of the Austrian financial structure. Every year it is on one of the leading places in the ranking not only according to the Central Bank, but also by the famous financial magazine Forbes.
The most reliable bank provides services to private and corporate clients. The main advantages of Raiffeisenbank are a convenient and well-thought-out version of the online service, favorable loan conditions, flexible deposit programs. Clients report that the financial institution provides decent service, but in some cases there are unfortunate situations when representatives of the institution provide the client with incomplete information.
Among the main advantages of the organization, the following prevail:
- Convenient self-service system.
- Profitable lending projects.
- The presence 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, a subsidiary of which is a financial institution. In any large city in Russia there is a branch of this bank, and the infrastructure in them is well developed. The main specialization of the institution is servicing large corporations, however, affordable and advantageous offers on loans and deposits are provided to private individuals.
Among the advantages of the organization can be identified:
- Convenient online banking system.
- Convenient system of using funds in a bank account while in other countries.
- Support by foreign capital.
The disadvantages of this financial structural unit:
- Lack of representative offices in small cities.
- Low competence of employees in regional offices.
Intesa Bank
Is a representative of Italian capital in Russia. The bank is more focused on working with organizations with large capital, but for individuals there are also good programs for loans and deposits. Customers usually leave favorable reviews.
Advantages of a financial organization:
- Focus on business lending.
- Profitable deposit programs.
Disadvantages:
- A long wait for money to be received in branches with the Tax Free program.
- Rude treatment of clients in some dealerships.
Gazprombank
The lending institution has the support of state capital. The main specialization is the financing of enterprises whose activities are associated with the production and transportation of natural gas and oil. In addition, the bank provides services to individuals, offering them profitable and convenient programs. The most advantageous offer is car loans to individuals at reduced rates: a credit institution has an agreement with many large automobile concerns.
The stability and reliability of the bank is not in doubt.
Among the advantages it should be noted:
- Having your own mobile application that allows you to access your account.
- Good internet service system.
- High reliability of the bank, confirmed by international financial organizations.
- The presence of a large asset, the amount of which exceeds 500 billion rubles.
- A 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
Annually takes one of the leading positions in the rating of banking institutions. The organization offers private entrepreneurs, small and medium-sized businesses, and individuals an extensive range of loan and deposit programs. Many citizens use car loans and mortgages in this bank. The state is the owner of part of the capital of a financial institution, so the likelihood of losing money is minimal. VTB is considered one of the most reliable banks in Moscow.
Among the advantages:
- The presence of a stable online banking system.
- Providing round-the-clock access to the hotline.
- The presence of a large number of own self-service stations.
- Good bonus bonus programs on deposits and credit cards.
Disadvantages:
- Credit financial institution provides low interest on deposits.
- Some staff are incompetent.
- Paid SMS alert.
Russian Agricultural Bank
The asset is currently in fifth place among Russian banks. Has state capital support. The main specialization of the organization is servicing agricultural enterprises. In addition, the institution provides services to individuals, private entrepreneurs. A financial institution offers many profitable offers for servicing loans and deposits.
Among the advantages of the bank:
- Favorable lending programs for young families.
- No loan commissions.
- Availability of low interest credit programs.
Disadvantages:
- Low speed of service in branches.
- The need for compulsory insurance for lending programs.
"VTB 24"
It is a subsidiary of VTB Bank of Moscow Holding. The main advantage is its focus on serving individuals and small businesses. Because of this, the organization has a well-developed infrastructure, many ATMs and branches. Deposits made to the bank are in maximum safety, 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 private lending programs.
The best financial institutions for making deposits
It is better to make a contribution to the bank that does not have state money, or their amount is minimal. Such organizations, unfortunately, offer minimum interest rates, but they ensure maximum safety of investment. 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 advisable to familiarize yourself with the rating of banks for reliability before entering into financial relations with a banking institution.
Over the past year alone, several banks in Russia were deprived of their licenses. Of course, for many investors, this was a real shock - how to get your money, when it can be done, will the deposits disappear and, importantly, the interest on deposits? In this regard, many depositors have a question: what is the most reliable bank in Russia? And is it possible to rely on him if it is decided to draw up a deposit for a large amount?
When making a deposit, you should remember only one thing - the depositor will definitely return his legal amount of money, but only if the deposit did not exceed 1400 thousand rubles (earlier this amount was half that amount - 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 your savings
So, you have decided to open a new contribution and profitably invest your savings. And then the question arises: who do you trust? Here is a list of 10 banks that inspires 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 "store" for their savings. As a result, a license is taken from the bank, and an ordinary depositor loses a considerable amount of money.
So how do you choose a reliable bank that will help not only save, but also accumulate savings? Use some tips:
- Make sure that the bank is really included in the insurance system. To do this, check that the organization involved in storing money and issuing loans is really a bank, and not an ordinary financial organization, which lures you with high interest on deposits. You can find out whether a particular branch is a participant in the insurance system by contacting the insurance agency hotline. As mentioned above, at present, the amount of insurance is 1,400 thousand rubles.
- Do not invest in one bank more than the maximum insurance amount. In the event that you have more than 1400 thousand rubles in your hands, this money can be divided and invested in several banks or you can open another deposit in the same bank, but already in a relative. By the way, if the bank revokes the license, then not only the deposit amount is insured, but also the interest that falls under this deposit. Therefore, you can count not only on the amount that you have invested in the bank, but also on material compensation.
- Take the most care to paperwork. Including once again re-read the contract and keep it and the cash and warrant safe and sound.
However, despite all the warnings, it happens that the bank still revokes the license. In this case, proceed as follows:
- Do not be nervous and panic. Two weeks after the license was taken from the bank, the DIA (Deposit Insurance 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.
- Do not rush! As a rule, customers, in a panic over the fact that their money may burn out or disappear somewhere, want to immediately receive their money. In fact, money is received by all, without exception, but it is one thing if you receive it in the first week, having defended a considerable queue, and quite another - you will pick up payments a little later, at a time convenient for you and without unnecessary panic and long lines. By the way, you can get 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 contribution, then you can send a statement certified by a notary to the DIA by mail, then your money will be transferred to the indicated 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 investor, then you can be given money both in a bank account and in cash. As for entrepreneurs, they can only get their money in a non-cash way and to another bank account. And remember: no matter how much you have in your hands, the main thing is that your deposit in the bank does not exceed 1,400 thousand rubles.
Bank rating - an assessment of objects by 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, the role of which may be 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, which is formed today in terms of quantity:
- all capital.
Liquidity and long-term creditworthiness indicators are taken into account.
Thanks to these indicators, you can determine the financial stability of the banking structure. The higher all the indicators, the less likely that a bankruptcy situation will arise.
Reliability rating of banks
Data on cash receipts and turnover is updated monthly. A rating of banks by reliability is compiled according to the Central Bank. It takes into account the ability of a particular institution to fully fulfill its obligations to both individuals and legal entities. CBR carefully checks
the compliance of institutions with certain indicators.
The rating of banks of the Russian Federation, compiled by the Central Bank, is considered fundamental. This body provides a unified state monetary policy. The list compiled by this structure may apply not only to banks, but also to private pension funds and insurance companies. It is based on financial reporting indicators and the results of institutions.
How to independently make a reliability rating of Russian banks and make the right choice?
Everyone can independently make their rating of banks for reliability. To do this, we study:
- structure and reporting documents;
- the composition of the founders;
- ratings and reviews of other users;
- interest rates;
- availability of warranty coverage.
Before making a choice of a financial institution, focus on whether it is a member of state deposit insurance. The larger the founders, the more reliable the financial institution. Pay attention to organizations with domestic capital that service the largest industrial enterprises in Russia.
We offer a rating of Russian banks, compiled taking into account various data. With it, you can find the most reliable financial institutions in which all conditions are met 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 goes for the lending programs of these financial institutions. For those who still want to use banking services, but don’t know which bank they can borrow or open a deposit from, we offer a rating of the best banks in terms of reliability of the Russian Federation, based on expert opinion of financial experts and data from the central bank, as well as reviews of ordinary customers of these banks.
Comparison 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 bank offers, it is better to check them out not with one, but with several company representatives.
1. Sberbank
The largest financial association of the Russian Federation, it has the largest share of total monetary assets - a little less than 30%. The loan portfolio is 14 billion rubles, which is three times more than that of the nearest competitor. The main advantage of the institution is that it is a state structure: depositors are not at risk of losing money as a result of the revocation of the license. 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;
- Ramified infrastructure;
- A good and well-thought-out bonus program for deposits and loans;
Disadvantages:
- Low culture of service;
- Long wait due to long lines;
- Periodic difficulties with computer software.
2.
Today, the bank offers a wide range of services for both individuals and small and medium-sized enterprises: from package services to depository services, bank guarantees and credit programs. About one million Russians and 26 thousand 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 at regional offices.
Advantages of the bank:
- Good bonus program for depositary offers;
- A large number of offices in large cities;
- Convenient online version of bank account management.
Disadvantages:
- Low level of service;
- A small number of branches in small cities of the country.
3. ROSBANK
Subsidiary of the Societe Generale financial group from France. State assets are invested in the bank, so the risk of revoking the license is negligible. This is a universal banking structure serving enterprises of any sphere of business and private investors. It offers attractive loan offers that are beneficial for small businesses with a small annual percentage. 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 staff and the irrelevance of the location data of the bank's operating branches.
Advantages of the bank:
- Favorable loan offers;
- The presence of state capital;
- Support for foreign banks.
Disadvantages:
- Low culture of service.
4. “RAIFEIZENBANK”
Another daughter of the European financial structure, the Austrian company Raiffeisen Bank of the same name. Annually takes one of the leading places in the ranking of the best Russian banks. It works with both private and corporate capital. Flexible deposit programs, favorable credit conditions, a thoughtful and convenient version of an online bank are the main advantages of this financial institution. According to customer reviews, 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 verified banking structure;
- An extensive network of institutions;
- Profitable loan projects;
- Convenient self-service system.
Disadvantages:
- Low professionalism of employees in regional offices.
5. CITYBANK
The provision of deposits is guaranteed by the largest American concern CityGroup, which owns this subsidiary. There are branches in all major cities of the Russian Federation; 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 on deposits and credit deposits for individuals. Ordinary customers are praised for a well-thought-out Internet banking system and the possibility of withdrawing deposit funds through ATMs in all corners of the planet and without a commission fee.
Advantages of the bank:
- It is supported by foreign capital;
- Convenient system of using funds from a bank account in other countries;
- A clear and convenient version of online banking.
Disadvantages:
- There are no branches in small cities;
- Low level of service in a number of regional branches.
6. "BANK INTESA"
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 private individuals, good credit programs and depositary offers are provided. The main branches are concentrated in large cities throughout the Russian Federation. Customer reviews are mostly supportive; most complaints are related to a misunderstanding of the situation by the consumer or the bank employee.
Advantages of the bank:
- Bank for business loans;
- Profitable deposit programs
Disadvantages:
- Long-term receipt of funds in the departments under the "Tax Frey" program;
- A boorish attitude towards customers in some branches of the bank was noticed.
7. Gazprombank
Bank with state capital support. It specializes in financing companies involved in the extraction and transportation of oil and natural gas. It works with private individuals; convenient and profitable credit and deposit programs have been developed for them. The car loan offer is especially beneficial for individuals with a low interest rate: the company has agreements with a number of major automobile concerns. There are branches of a banking enterprise not only in the territory of the Russian Federation, but also beyond its borders.
Advantages of the bank:
- Over 3% of all residents of Russia trust their bank investments;
- The bank's asset exceeds 500 billion mark;
- High reliability of the bank, confirmed by international financial institutions;
- Good internet banking system;
- There is own mobile application for access to the account from smartphones and tablets;
Disadvantages:
- Poorly developed network of their own self-service systems and ATMs even in the regional centers of the country;
- The presence of negative reviews of bank customers.
8. VTB Bank of Moscow
It is consistently included in the top 5 Russian banking institutions. A whole range of depository 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 global financial crisis, the state was already helping him: he was able to fulfill his obligations to customers.
Advantages of the bank:
- Good bonus programs for deposit and credit cards;
- A large number of own ATMs and self-service stations;
- The presence of a hotline - it works around the clock;
- The Internet banking system works quickly and without failures.
Disadvantages:
Online banking is not fully developed, a number of issues can be solved only in branches;
- For SMS messages about debiting money from an account you have to pay from your pocket;
- Negative feedback on the incompetence of individual employees;
- Minimum interest on deposits.
9. The Russian Agricultural Bank
Currently, it occupies the fifth place in terms of assets in the rating of Russian banks. Like the rest top banks secured by state capital. It specializes in servicing agricultural companies, and also works with private entrepreneurs and individuals. There are a number of interesting offers on custody and credit services.
Advantages of the bank:
- Availability of credit programs with low annual interest;
- No loan commission fees;
- Favorable conditions for maternity capital;
- Good credit conditions for young families.
Disadvantages:
- Compulsory insurance under credit programs;
- Low speed of service in offices.
10. "VTB 24"
Subsidiary of VTB Bank of Moscow financial holding company. 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, there are a large number of its own ATMs and self-service departments. Deposits will be in maximum safety, 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 best to invest in and where are the best loan conditions?
It is better to deposit money in banks where there is no state capital or where it is minimal. In such financial companies, unfortunately, the minimum annual percentage. But they provide the most affordable reliability of the preservation of their investment. As for loan 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.