Credit Bank of Moscow

2016-08-20 00:00:00:

In the early 90s, a new financial structure appeared in the domestic banking business - the Moscow Credit Bank. The organization specializes in serving various categories of customers (ordinary citizens and legal entities). Users are offered both standard banking services and unique products developed on an individual customer's order.

The organization is a member of the Association of Banks of Russia and other financial communities. The activity of the bank is regulated by the current Russian legislation and special permits. The company's management adheres to open business schemes. Such a strategy allowed it to take a leading position among commercial financial organizations operating in the domestic market. Another event positively affected the development of the company: in the winter of 2004, the bank became a member of the state deposit insurance program.

Since the spring of 2016, the organization has been operating under a general license from the Central Bank of the Russian Federation.

Moscow Credit Bank has repeatedly participated in competitions and won prizes: "Bank of the Year in Russia" (2014, 2015), "Best Bank of the Russian Federation", "Deposit of the Year 2015", "Best Bank for Business" and others.

According to research by leading rating agencies, the company is among the enterprises with the highest asset value. In terms of the size of the authorized capital, MCB is on the 9th step of the rating. In terms of service level, the organization occupies the 1st stage.

MCB in the financial market

Moscow Credit Bank takes part in international projects, which contributes not only to the development of the organization, but also to the establishment of foreign economic relations between Russia and other states: foreign credit resources and investments are attracted to the domestic economy.

Among foreign financial organizations, the bank also occupies a leading position. This was facilitated by the ideal reputation of the company, a wide network of counterparties operating in other countries and many commercial operations invested by MKB.

The partners of the company are:

• International Bank for Reconstruction and Development;
• Black Sea Bank;
• International Finance Corporation.

Together with these organizations, IBC implements programs related to the financing of Tier 2 capital, trading operations, as well as the development of projects on syndicated loans.

IBC conducted its first syndicated lending operation in 2003. Since then, the bank has provided 13 syndicated loans. The total amount of loans is more than 1 billion US dollars. In 2006, the company began issuing bonds equivalent to European currencies. For the first time, securities were issued for 100 million dollars. The second issue of Eurobonds took place in 2011. Then their value was $200 million. Two years later, the Bank issued Eurobonds for $500 million.

Moscow Credit Bank is the official representative of the domestic financial sector abroad. Its correspondent network consists of more than 20 foreign organizations operating in 12 states. This allows Russian citizens to carry out international banking operations.

Favorable service

The company offers its private clients to take advantage of the favorable rates of one of the service packages, by connecting which, the user receives special privileges:

• reduced fees for financial transactions;
• high interest on deposits;
• free registration of plastic cards with the possibility of accruing income.

Connecting the package is carried out on certain requirements.

1. A person can only issue 1 package.
2. The client has the right to change the package whenever he wishes. This can be done by contacting the ICD branch or online.
3. Connection of tariff plans with a monthly subscription fee is carried out at the company's offices.
4. The client can ask to be connected to the SMS-informing service, which will notify about the due date for paying the subscription fee or deactivating the service package.
5. Only Russian citizens can use the service packages.
6. For connection of the tariff plan, the Bank charges a subscription fee for cash settlement.

Online service

The Bank offers customers a convenient way to manage their accounts - the virtual service MBK Online. The server is available 24 hours a day and works seven days a week. MBC Online users have constant access to:

• account balance information;
• transaction history;
• management of credit funds (loan processing, interest calculation, debt repayment, viewing the payment schedule, etc.);
• carrying out transactions related to payments (payment for purchases, services of utilities and Internet (TV) providers, mobile operators, etc.);
• deposit management;
• management of payment cards (setting restrictions, blocking/unblocking, filing an application for the production of a new payment document);
• creating templates and settings for automatic payments.

To become a user of MBK Online, you need to contact the company's employees or go to the official website of the Moscow Credit Bank mkb.ru (only owners of payment cards from MBK can connect the service in virtual mode) .

Connecting and using online banking is free of charge.

Security system in online banking

Internet banking from MBK is a reliable and secure service. Payment and personal information is transmitted through special secure channels. Access to the account is open only to the user who enters the login and password used during registration. Attention! The bank administration strongly recommends keeping the data for entering the MBK Online personal account in strict secrecy. In addition, when confirming each transaction, the client must enter a unique PIN code.

Additional security is provided by the function of viewing the history of payments. Having noticed unauthorized financial transactions, the user can respond in time by informing the bank's technical support service. After each transaction, a message about the payment is sent to the mobile phone number or e-mail address of the account holder.

The client can independently set limits on amounts when conducting transactions. Therefore, even if the scammers still manage to get into the account, they will not be able to withdraw the entire amount.

Offers for investors

Moscow Credit Bank provides an opportunity to receive additional income on deposits. Clients can open accounts in domestic and foreign currencies, calculate the amount of income using virtual calculators, manage deposits from any part of the planet (through remote services).

The bank is a member of the state deposit insurance program, so account holders can be sure of their financial security.

Types of deposits for individuals

The company offers several products that differ in interest rates, contract terms and conditions for storing funds.

1. The savings deposit provides for interest rates up to 12%.
2. The product " All inclusive" offers a choice of one of the proposed tariff plans. At the request of the client, the tariff plan can be changed. By connecting a service package for a period of 12 months or opening a deposit remotely (on the MKB Online server, using a mobile application or a self-service terminal), the account holder will receive bonus points - 0.25% of the amount transferred to the account.
3. "Just in case" is a ruble contribution. It opens indefinitely. The terms of the contract allow you to replenish the balance and spend finances at your discretion. The client can use the amount of accrued interest whenever he wishes.
4. Incoming and outgoing operations are also provided for the deposit "On Demand". Accrued interest is issued at the first request of the account holder.

 IBC depositors can enjoy special privileges. For example, they can apply for a loan at reduced interest rates, as well as the "Personal Service" service (a personal manager will provide advice on banking products, help develop a strategy for cooperation with the bank in order to reduce currency risks and increase the client's finances, etc.).

MKB payment cards

Payment cards are a convenient way of non-cash payment, which has received recognition in all countries. Moscow Credit Bank cooperates with MasterCard and VISA payment systems , therefore the organization's cards are accepted for making payments for purchases and services in any corner of the planet. The company issues a wide range of cards: from standard payment documents to premium class cards. There are also electronic cards that do not have a material carrier. They are convenient for online payments.

MBC cards have the following properties:

• high degree of reliability and safety provided by the built-in chip;
• the ability to receive cash at any time of the day or night without commission (at ATMs of MBK or the company's partners);
• convenient replenishment through remote services, payment terminals, as well as through money transfers from one card to another;
• managing a card account from an account in a virtual IBC or a mobile application;
• availability of SMS-informing service;
• contactless systems for the use of payment documents;
• the opportunity to participate in discount programs;
• making a profit on the balance of funds (7%);
• the ability to pay for travel in public transport.

Lending system in Moscow Credit Bank

MBK offers acceptable conditions for loan agreements. The product range consists of several types of loans:

• consumer;
• mortgage loans;
• car loans;
• refinancing;
• restructuring.

Consumer loans have no purpose. Credit funds will be useful for purchasing goods (furniture, household appliances, clothes), paying for health care and education services, repairing an apartment, and so on. You can receive both "live money" and funds transferred to a bank card. A credit card agreement allows you to use finance on preferential terms (without accruing interest within 55 days from the date of the first debit transaction).

Refinancing a loan allows you to change the terms of the agreement (interest rates, debt repayment schedule, etc.).

With a car loan, you can purchase a vehicle. It can be a new or used car of domestic or foreign production. Clients can also take part in the state car loan subsidy program.

In demand among Russian citizens is such a product as a mortgage. This loan allows you to purchase your own home. It can be a new apartment, living space in a house under construction or resale property.