Bank of Russia

2016-08-20 00:00:00:

As far as our cryptocurrency exchanger knows, Bank Rossiya began its activities in the summer of 1990. This is the first commercial-type financial institution registered in the Russian Federation. The head office of the company is located in St. Petersburg. Bank services are used by both corporate clients and ordinary people. The organization provides a full package of financial services. The results of studies conducted by domestic and foreign rating agencies have shown that customer service is carried out at a high level.

JSC Rossiya is a member of the Association of Banks of the North-West Region and the Association of Banks of the Russian Federation. The activity of the enterprise is based on Russian Legislation and complies with the standards stipulated in the Code of Financial Institutions. The work of the bank is sanctioned by licenses for the provision of brokerage, dealer, depositary services, as well as activities related to the management of shares and bonds. The Company has the right to make option transactions on the exchange market and conduct trading futures transactions.

Bank Rossiya provides financial support to industrial enterprises representing various sectors of the economy. The organization also participates in investment projects.

Plastic cards

Rossiya is an issuer of plastic cards with which you can use a non-cash payment method for goods purchased in regular stores and virtual outlets, for the services of Internet providers and utilities, and so on. Payment documents are also used to conduct financial transactions through remote services (Internet banking and mobile applications).

The convenience of plastic cards is that they eliminate the need to carry cash with you: the funds on the card account are available around the clock. If you need "live money", then you can withdraw it at any ATM. There is no need to worry about your wallet. Even if the card is lost, it can be easily restored, and to prevent attackers from using the funds stored on the card account, it is worth blocking the payment document. You can do this online or through the SMS service.

Funds can be transferred to the card by organizations and third-party users. You can also replenish your account in cash through self-service terminals.

Payroll cards

Many Russian enterprises use the services of the bank to pay salaries to their employees. The advantage of this system is:

• payout optimization;
• reduction of expenses for settlement and cash services;
• savings on the services of collectors;
• solving problems related to the deposit of finance.

By concluding a partnership agreement with the bank, the company's management can expect to receive an overdraft loan. More details about the terms of cooperation can be found on the website of Bank Rossiya http://web.abr.ru.

How to withdraw cash?

There are several ways to withdraw money from a card account.

• at branches and points of issue of Rossiya Bank (no commission is charged);
• at ATMs of the company or partners (no commission is charged);
• through the Mir, UEK, ORS systems.

Using a bank card from JSC Rossiya, you can withdraw cash at: branches and ATMs of a financial institution or partner banks.

If the card is lost

In case of loss or theft of a payment document, it is necessary to carry out an emergency blocking procedure, which will block access to the funds stored on the account, and thus secure finances.

To block the card, you need to call the customer support service at 8 800 500 33 22. The service operates around the clock without breaks and weekends.

Services provided to payment card holders: SMS service

By connecting the SMS service, users will be able to carry out operations related to replenishment of the card account, receive information about transactions carried out and find out the balance of the card. Notifications with the necessary information are sent to the client's mobile phone.

This service can be called a key segment of the security system: the cardholder, having received a notification about a payment that was not authorized by him, can quickly take measures to prevent the treacherous intervention of fraudsters. Confirmation of payment transactions is also carried out through messages.

Thanks to SMS-informing, you can also learn about spending transactions of your family members (the service is connected to each card).

How to connect SMS service

To activate the service, you need to fill out an application form indicating the cell phone number, card account and information that should be contained in the body of the message. The application is submitted to a branch of Rossiya Bank or to the accounting department of the enterprise where the card holder works (for payroll clients).

The notification text consists of the following data:

• payment amount and currency used;
• day, month and year of the transaction;
• type of bank card;
• the last numbers from the number of the payment document;
• the place where the payment is made (indicated in Latin letters);
• the country in whose territory the financial transaction is carried out;
• card account balance (at the request of the cardholder).

SMS service is a paid service. Detailed information about the tariffs offered by Rossiya Bank is provided by the official website of the company.

Safety system

Employees of Rossiya Bank care about the security of payment and personal information of their customers. The work of the security system is based on the latest developments and modern methods of protection against scammers and swindlers.

A financial institution offers its customers cards with embedded microchips. These products are characterized by an increased level of protection and comply with worldwide EMV standards.

Another measure that prevents the actions of fraudsters is the establishment of security limits. It involves restrictions on financial procedures for payment cards. By setting limits on the amount of payments, bank employees expect to minimize the possibility of withdrawing money through fraudulent schemes.

Even in the event that a plastic card along with a PIN code falls into the hands of malefactors, thanks to the limits, they simply will not be able to withdraw all the funds that are stored on the account. And the SMS-informing service will allow you to notice and respond to the actions of thieves in time.

Transaction monitoring

An effective method in the fight against thieves is transaction monitoring. If any financial transaction seems suspicious to bank employees, they can interrupt it, thus stopping the debiting of money from the account. The client's mobile phone receives a message about the suspension of the transaction. After that, a Customer Service consultant will call to verify that the information is correct and that the identification procedure is carried out. Then the card will be restored.

Lending Services

The bank provides a full package of services related to lending. Here you can apply for consumer loans, mortgages, get a loan to purchase a car or apply for a type of loan such as an overdraft.

The financial institution offers favorable interest rates and loyal loan repayment terms. Especially popular are government subsidy programs that allow you to purchase a house or a vehicle at reduced interest rates. Representatives of certain sectors of the economy (state employees and military personnel) can also apply for a loan on favorable terms.

Auto loans

Bank Rossiya provides loans for the purchase of cars of domestic and foreign manufacturers. The loan amount may include the cost of additional devices, insurance policies (for example, Casco), and so on. The required amount is transferred to a specially designed bank account. The funds can only be used to buy a car. Other operations are not provided.

Interest on credit funds is 14.75% per annum.

You can apply for a state subsidy for the purchase of a car. But in this case, the vehicle must meet certain requirements.

1. The machine must be manufactured at a domestic factory between 2015 and 2016.
2. It must be a passenger car, weighing no more than 3.5 tons.
3. The subsidy is issued for new, not yet registered vehicles.
4. The car should cost no more than 1 million 150 thousand rubles.

Mortgage

"Russia" helps the citizens of our country to acquire their own housing. The bank offers 2 types of mortgage lending:

• a loan for the purchase of finished real estate;
• loan for the purchase of housing in a house under construction.

Interest rates will be from 12.5%.

Military personnel can take advantage of the state subsidy program, which allows them to take out loans on preferential terms. Interest rates will be from 7%.