Khanty-Mansiysk Bank

2016-08-12 00:00:00:

Khanty-Mansiysk Bank (KMB) is a universal financial network providing retail banking services to corporate clients and individuals. The banking structure is among the 20 largest credit systems operating in the Russian Federation. After research conducted by the international rating agencies Moody`s (B2) Standard & Poor`s (B+), the bank has acquired a reputation as a reliable company serving customers at the highest level.

Khanty-Mansiysk Bank is part of the Otkritie group of financial companies, the largest banking system in our country (the group's total capital is 3.9 trillion Russian rubles).

KMB clients can use traditional banking services, as well as insurance or investment products.

KhMB services for different categories of clients

Payroll clients

Payment cards

For clients who receive wages to accounts opened with the Khanty-Mansiysk Bank, special privileges are provided:

• the possibility of issuing additional bank cards (for yourself and for your family members);
• special offers on deposits;
• favorable credit conditions;
• the ability to withdraw cash without commission at all ATMs of FG Otkritie;
• access to remote services (virtual and mobile banking);
• convenient ways to make all types of payments.

To transfer salary, the client has the right to choose any of the plastic cards issued by the Khanty-Mansiysk Bank or FG "Opening". Salary payment documents from HMB are a reliable and convenient way to conduct financial transactions. Thanks to them, access to the account can be obtained at any time of the day. In case of loss of material carrier, the bank guarantees the safety of funds and the restoration of the plastic card as soon as possible.

Holders of KMB payment documents can pay for goods and services in any organization in the world (the bank cooperates with VISA and MasterCard payment systems ).

When purchasing goods in stores that are partners of the Khanty-Mansiysk Bank and paying with a card, the client receives a discount.

You can check the status of the card account from your personal account in the WEB-bank or from an application downloaded to your smartphone. The Bank also provides customers with information on the receipt/expenditure of funds through SMS notifications, which are sent to the cell phone number.

Loan on preferential terms

Khanty-Mansiysk Bank provides its payroll clients with favorable credit conditions.

1. To apply for a loan, you do not need to collect a complete portfolio of documents - a civil passport of the Russian Federation is enough.
2. An application for a loan is considered by the credit commission in a short time (from 15 minutes to 72 hours).
3. Salary clients have the right to take out a loan in the amount of up to 1.5 million rubles for a period of 1 to 5 years.
4. The bank offers reduced interest rates from 16.5% to 27.9% (depending on the loan term).
5. The loan is issued without collateral.
6. The loan can be repaid ahead of schedule, without charging commissions and fines.
7. The bank insures payroll customers who have taken out a loan against accidents and job loss.

For pensioners

Favorable conditions are also provided for people who wish to receive a pension on a bank card from KMB. They can withdraw cash at any of the bank's ATMs and FG Otkritie.

The pension card provides an opportunity to receive income on the balance of funds in the amount of 4% per annum (interest is paid monthly). When paying with a card for medicines purchased in pharmacies, the client receives a 3% discount.

The pension card is issued and maintained free of charge. The SMS notification service is also provided free of charge.

Registration of a pension card is carried out at a bank branch. The client needs to write to the Pension Fund an application for transferring the pension to the card account and provide the details of the payment document.

For VIP clients

Employees of the Khanty-Mansiysk Bank have developed special offers for status clients:

• bank cards with wide possibilities;
• individual approach (planning further cooperation and development of unique products);
• special conditions for loans and deposits;
• round-the-clock access to the concierge service;
• insurance policies;
• investment products;
• separate service area.

Banking World MasterCard Black Edition and Platinum cards

This product is designed specifically for status clients. The cards are included in the bonus program. Having paid for the first purchase, the holder of the payment document receives 1,000 miles. For the following non-cash payment transactions, 1.65 miles are credited for every 50 rubles spent. Bonus points can be exchanged for goods and services provided by bank partners.

When withdrawing cash from any of the ATMs, the client does not pay commission fees. The premium plastic document is serviced free of charge.

Special Privileges

VIP-persons can use the special services of the HMB.

1. A personal manager will help you understand the operation of Internet banking, draw up financial statements, make transactions, get information about the status of accounts, and more.
2. Status clients can exchange currency on favorable (preferential) terms.
3. Clients can use the services of an experienced lawyer. You can get legal advice in a variety of areas: labor law, real estate, social security, relations between family members, and so on. The call center operates around the clock.
4. When traveling abroad, clients of the Khanty-Mansiysk Bank can take out insurance for 100,000 euros.
5. Premium bank cards provide access to VIP lounges. If necessary, you can order a transfer to the airport.

For organizations and enterprises

The Khanty-Mansiysk Bank also provides a range of services for legal entities. The company serves individual entrepreneurs, representatives of small and medium-sized businesses, as well as organizations that belong to the state (housing and communal services, construction and transport companies, machine-building plants, energy enterprises, etc.).

Working with corporate clients, HMB focuses on the specific features of the industry that a particular company represents.

Settlement and cash services

Corporate clients can use settlement and cash services. They are provided in various types of currency: domestic rubles, European banknotes and US dollars.

For cash settlements from the Khanty-Mansiysk Bank, the following features are characteristic:

• high speed of payments;
• several accounts can be opened within one partnership agreement;
• financial settlements are carried out without delay;
• payment transactions can be carried out until 8 pm;
• There are no hidden fees or additional markups.

Corporate loans

Enterprises can take a loan from KhMB. The company offers several types of loans:

• a loan intended to replenish working capital;
• loans, the purpose of which is to finance various projects;
• a loan required to participate in a tender, auction for the provision of various services;
• overdrafts, allowing to bridge the gaps between expenditure and receipt of finance (payment of wages to workers, replenishment of the range of goods, etc.);
• loans to finance investment, leasing projects.

Each type of lending has its own conditions (terms, interest rates, debt repayment, etc.). The interest rate will depend on the term for which the loan is issued, the type of currency, the credit history and financial condition of the legal entity, as well as the liquidity of the collateral (collateral).

When applying for a loan, the management of the borrowing enterprise can use the advice of KMB specialists. They will help you choose a loan that will meet the needs and capabilities of the company.

Payroll projects

Corporate clients can participate in the salary project from HMB. The bank undertakes the issuance of salaries to employees of the enterprise.

The process of transferring money is carried out automatically. Funds are credited to the account instantly, which means that workers receive wages without delays and delays.

By participating in the payroll project, the company saves on cash settlement procedures, storage and delivery of cash.

WEB-banking from the company "Khanty-Mansiysk Bank"

KMB employees have developed a service that allows you to make payments, manage accounts, arrange loans or deposits in virtual mode. This is WEB banking. You can connect the service through ATMs or retail outlets of KMB.

The service is provided free of charge. Payments are made instantly. By registering in the WEB-banking system, the user gets round-the-clock access to almost all banking products. Thanks to an online bank, you can pay for goods and services from anywhere in the world, transfer money to third-party accounts (including those opened with other financial institutions).

The account holder does not have to worry about the security of payment and personal information: the system uses modern security mechanisms to prevent unauthorized access to personal user profiles (for example, a program that generates one-time passwords).

In WEB-banking you can:

• monitor the status of accounts;
• view transaction history;
• receive financial reports on transactions;
• block/unblock a payment card;
• replenish deposits;
• make money transfers;
• set up payments in automatic mode;
• repay loans.