Bank Binbank

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2016-06-03 00:00:00:

At the origins

20 years ago, a new financial company, Binbank, appeared in the world of banking business. Since its inception, the company has been intensively developing: the number of branches has increased and the sphere of influence has expanded.

Autumn 2008 was marked by the fact that Binbank becomes part of Bashinvestbank. But after five years, Binbank becomes the parent company, and Bashinvestbank moves into the category of branches. Another year later, Moskomprivatbank is included in the company: this was an unexpected turn, since the company held the lead in the field of lending.

The owners of Binbank decided to expand the retail business, and therefore began to negotiate with the management of Moskomprivatbank. After some disputes, both parties came to a consensus and merged the two financial institutions into one, having previously obtained consent to the transaction from the Banking Supervision Committee of the State Bank of Russia. Moskomprivatbank received a new name - "Binbank Credit Cards". Now Binbank has become an issuer of credit cards.

Expansion of the sphere of influence and geographical expansion

year 2014. Some banking organizations are on the verge of bankruptcy. Bank "Binbank" undertakes to save them. The management of the enterprise makes such a decision, realizing that this will help expand the scope of the company's wag.

First, the Murmansk bank DNB entered the structure of the financial organization. It was acquired by Asokerco Trading Limited. The beneficial owner of this company is Shishkhanov M.; he also holds a large block of securities of Binbank. A little later, several companies were acquired that were part of the Rost bank network.

The expansion of Binbank did not end there. Europlan Group - this company provided citizens with services related to car rental. It was a leader in its field, but also came under the wing of Binbank. Another leasing giant, Carcade, is also part of the banking organization. Binbank acquires Uralprivatbank (Yekaterinburg), as well as most of the securities of MDM Bank.

Today we can say about Binbank that it is the largest universal banking organization in Russia. The company has covered more than half of the financial market of our country and confidently holds leadership in the field of lending.

The client base can include ordinary people, small and medium-sized companies, huge corporations.

There are branches of the enterprise in more than a hundred settlements of Russia, but the bank's employees do not stop there and open branches in all regions of the Russian Federation.

The range of products and services of Binbank

Binbank can offer citizens a wide range of banking products.

Services related to the issuance of loans. These can be long-term and short-term loans for the implementation of various projects, consumer loans, goods intended to pay for services (for example, medical) and more.
Leasing. This type of service makes it possible to rent something (a car, equipment and even household appliances).
Deposit deposits. Placing their money in the bank, customers not only take care of their financial security, but also earn on interest rates.
Special services for enterprises that are oriented to the world market and make money transfers in foreign currency, invest in foreign economic activity.
Service through Internet banking, mobile applications and SMS.
Signing of letters of credit in Russian rubles.
Payroll agreements.
Various types of insurance.

Service at any distance: online banking

Having created the iBank2 multifunctional service, Binbank took care of those who appreciate comfort and do not want to waste their time waiting in line at the bank branch. It provides customers with a wide range of options. Sitting in a comfortable chair, users check the status of their accounts, pay for purchases, exchange currency, and more. The work of the online bank is based on modern electronic programs with a reliable coding system.

To work in iBank2, you do not need special skills and abilities: the basics of using a PC and superficial knowledge of the Internet are enough. The service has an intuitive interface that even a child can understand. Use the templates, and you will quickly, and most importantly, correctly compose a particular document. Step-by-step instructions and pop-up lists will help in this, in which you just need to select the desired answer option. After filling out the document, press the "send" button.

You don’t have to go to a bank branch: any issue is resolved through iBank2, since the service is directly connected to the Binbank office.

There are many advantages to online banking:

iBank2 is securely protected (security system, codes, passwords and SMS confirmations will prevent scammers from getting to your accounts);
the service can be used by a person with basic knowledge of a PC;
Internet banking is available to absolutely all citizens;
in virtual mode, you can perform various financial procedures, including the exchange of cryptocurrencies (for example, bitcoins) for real money;
transaction details are in the user's account: the client does not need to go to the bank office in order to find any document.

Clients are offered two options for working with iBank2 online banking:

The "Basic" package assumes connection to online banking and SMS messages, which contain passwords and codes for one-time use.
The "Complete" package includes connection to online banking, electronic signature protection and SMS messages with passwords and one-time use codes.

Credits, loans and loans

The range of services related to lending is very wide. Here ordinary people and large companies and enterprises apply for loans. Like any other financial institution that provides funds on credit, Binbank imposes certain requirements on its borrowers.

Loans can only be received by citizens of the Russian Federation, whose age ranges from 21 to 65 years.
The amount of more than 500 thousand rubles can be taken by people who have reached the age of 25.
Binbank issues loans only to citizens who have been working in one place for at least 4 months. If a person wants to borrow an amount of 1 million, then his work experience in one enterprise must be at least 12 months.
Loan money is provided only to those citizens whose credit history is ideal.

The procedure for obtaining a loan begins with the submission of an application at a bank branch or in virtual mode. The application for a loan is considered by the credit granting commission. Employees of the company inform clients about its decision.

The Bank provides favorable conditions for repayment of loans. You can do this in the terminal with real money (cash) or with a plastic card. Payments are also accepted at the branches of Binbank or other financial organizations. However, the most convenient way to pay for loans is iBank2.

Types of lending from Binbank:

granting loans to budgetary organizations and partners of Binbank;
granting loans to pay wages;
loans for beginners;
refinancing of loans received from other banking organizations;
loan restructuring procedure;
secured lending;
mortgage loans.

Binbank clients have access to information related to the loan: credit history, terms of the loan, payment schedule for the loan, possible delay and the balance of the debt.

Each person should know his credit history, regardless of whether he is a Binbank client or not. Firstly, thanks to this information, you can immediately see the atrocities of scammers who used the passport data of a citizen and took out a loan in his name. Secondly, for a person who knows his credit history, it will not be a surprise if he is suddenly denied a loan. Anyone can have difficulty paying off a loan. The reason is both the human factor and failures in the system.

The bank requires its customers to provide loan guarantees. The borrower can make a pledge (various values, property rights, real estate, car, etc.). In order to guarantee its reliability, the client can open a deposit account or find a person who will become a guarantor.

Currency exchange in Binbank

Binbank is said to be one of the most profitable financial platforms for foreign exchange transactions. Here you can exchange domestic rubles for any kind of foreign money. The company's clients purchase US dollars, European currencies, Swiss francs, British pounds and Chinese yuan.

Regular users receive special cards. Using them, you can exchange currency on very favorable terms. The bank offers two options for such documents:

Standard - using this card, you can exchange amounts up to 5 thousand US dollars, while the document holder receives a discount of 5 kopecks per 1 dollar (in total, a decent amount of the discount is obtained);
Gold - this document allows you to exchange amounts up to 50 thousand US dollars, and the discount here will be 2 times more - 10 kopecks.

Getting a discount card is not difficult. To do this, you need to take the following steps.

Step 1. In one branch of the Binbank company, the client must change the currency in the amount of more than 5 thousand US dollars.

Step 2. Enter your data in the questionnaire of the recipient of the discount document (you can get it from a bank employee or download it on the website of a financial institution).

Step 3. Submit the questionnaire to Binbank employees and receive a permanent customer card.

Binbank cooperates with many electronic payment systems, which gives users the opportunity to change fiat money stored in bank accounts for cryptocurrency (electronic money). This can be done on special services (Bank "Binbank" can be found in the lists of the most famous exchanges selling currencies).

Payment for goods and services using mobile acquiring

Binbank makes the life of its customers more comfortable by offering a new service - acquiring. Through this service and POS terminals, users can make non-cash payment transactions using plastic documents from MasterCard or Visa. Being on the other side of the planet, you can make payments and replenish accounts.

Binbank programmers have developed an application for mobile phones and tablets - 2can - mPos. Thanks to the application, work in mobile terminals is synchronized. This program allows you to pay through the terminal directly from your mobile device (tablet or smartphone). The principle is as follows:

the client inserts a plastic payment document into the card reader on the terminal;
signs on the screen of a portable computer;
receives a payment receipt to his e-mail.

The mobile cashless payment service can also be synchronized with portable cash registers. To do this, it should be connected to a device that prints fiscal receipts.

The client can view all information about transactions in his personal profile in Internet banking.

Bank "Binbank" and financial security of clients

The company offers its users a number of services that guarantee additional security for their deposits. One of them is a USB token. Its task is to protect the electronic signatures of customers. The program creates secret codes and it is impossible to decrypt them.

Electronic signatures are created on SIM cards that are installed in a token device. This system reliably protects the bank account from theft and does not allow fraudsters to conduct financial transactions.

To install a USB token, you need to deposit 1,500 rubles (paid service). To activate the token, the following should be done:

download from the official website of the Binbank company an act document indicating the acceptance and delivery of equipment, fill it out and submit it to the bank;
register electronic signature codes on a desktop computer;
transfer a certificate to the bank office, based on which the company's employees will check the ES codes.