Promsvyazbank

2016-08-13 00:00:00:

Promsvyazbank is a private financial institution whose services can be used by individuals and legal entities. The bank's client base includes more than 2 million people and about 100 thousand companies and organizations.

Branches of Promsvyazbank can be found in many Russian cities (about 300 retail outlets, eight and a half thousand ATMs (including equipment belonging to partners), 200 payment terminals).

The bank's geographic expansion has spread beyond the Russian Federation: the company has representative offices in neighboring countries (Ukraine, Kazakhstan), Asia (China), India and Cyprus, one office operates in Switzerland. It is planned to open a branch in Hong Kong.

For two decades of its work, Promsvyazbank has gained a reputation as a reliable and safe bank. This universal financial organization is included in the list of banks that have the largest authorized capital in the world: the amount of assets is more than 1.2 trillion rubles.

In Russia, the company is one of the three most popular commercial banking organizations.

Modern features

A modern person, whether he is a big businessman or an ordinary citizen, is constantly in business and worries: there is no time to visit a bank branch, waiting in lines and filling out a pile of documents. Taking care of the comfort of its users, the employees of the organization have developed services that allow transactions to be carried out at any time and in any place. These are online banking and mobile banking.

Internet banking PSB-Retail

As soon as the PSB-Retail service was launched, users immediately fell in love with it: Internet banking from Promsvyazbank has a full range of functions, provides almost unlimited possibilities, is equipped with an accessible interface, works quickly and without interruptions.

By registering in the system, customers can carry out the following operations:

• pay for the services of telecom operators, Internet providers, utilities, as well as fines issued by traffic police inspectors and so on;
• manage a bank account (including savings);
• plan the expenditure of funds (this opportunity is provided by the Smart Money service).

Preferential payments

Promsvyazbank offers users of Internet banking preferential payment terms for payroll cards: no commission fees are charged when making payments and money transfers.

The service allows you to conveniently organize work with regular payments: a system participant can create a payment transaction template. The next time it's time to pay for the service, you won't need to fill out payment forms: you just need to find the template and click the "Pay" button.

Service "Smart money"

The Smart Money service will help you control your expenses and manage your finances rationally.

The principle of the service is as follows. All transactions that were carried out on accounts and cards opened with the bank enter the Internet banking system. Data is entered automatically. The user can enter his account at any time and view not only the history, but also a chart of financial transactions, where you can see the ratio of income and expenses.

The system will independently distribute transactions into categories. Reports on payments made are received in the form of messages on a mobile phone or e-mail box. In addition, thanks to the Smart Money program, the client can compare his expenses and profits with the budget of other users of the system.

“Smart money” allows a person to understand how rationally he uses his finances: how much is spent on unexpected purchases, how much is spent on everyday needs, how much rash expenses were made.

Automatic payments

Taking care of the timely payment of utilities and mobile communications, many users connect the automatic payment service from Promsvyazbank online.

To pay for housing and communal services in automatic mode, you need to open the "Auto payment" category, select "Housing and communal services (and city of residence)" in the pop-up list, set payment parameters and confirm the transaction. After the payment is made, the transaction details will appear in the "My Autopayments" category.

In automatic mode, you can transfer money to your mobile phone. The system participant sets all parameters manually. In the "Auto payment" section, you need to select a telecom operator, indicate the amount of replenishment and phone number and confirm the transaction. After the payment procedure is carried out, a message will be sent to the phone about replenishing the balance. The payment transaction is free of charge.

A bank that is always in your pocket

No less convenient and popular is the Mobile Banking service. With the service you can:

• find the nearest branch or ATM (virtual cards will help);
• make instant payments and instant exchange ;
• view the status of accounts (cards, debts on loans, deposits, etc.);
• pay for services using templates that have been saved on the online bank server;
• transfer money within the system and perform interbank transactions;
• view transaction history;
• receive payment receipts.

To use mobile banking, you need to download special software to your mobile phone, log in to the system using the data that opens access to online banking.

Promsvyazbank employees also took care of people who do not have a smartphone with Android or iOS. A light version has been developed for them, which can work in the phone's browser.

Cards from the financial organization "Promsvyazbank"

Promsvyazbank offers the widest range of cards: debit, credit, payment documents with and without physical media. Each card has its own characteristics. Let's consider several options.

1. "PSB Planeta" - these cards are ideal for tourists. Having paid by card for a travel document for an airplane or train, the client receives promotional miles on his account, which he can dispose of at his own discretion. Bonuses can be exchanged for a tourist voucher, they pay for a hotel room, pay for car rental.
2. The card "Congratulatory" is the perfect gift for a loved one. It has an original festive design in the form of a greeting card. You can open a payment document for different amounts (from 1 thousand to 15 thousand rubles).

Paying in shops and institutions of social importance, the cardholder receives discounts.

1. The electronic card is designed to pay for purchases and services in virtual mode. It has no material carrier and is not accepted in ground organizations. The payment document provides its owner with certain privileges. One of them is the accumulation of bonus points that can be spent on anything. You can replenish the card in various ways: through a bank branch, through terminals, online.
2. "Good mood". This card really has the power to lift your spirits. And the point is not so much in the colorful design, but in the special features of the payment document.

The card is accepted in all countries. It provides access to the online banking system. When paying for goods and services of companies that are partners of Promsvyazbank, the client receives a discount of up to 40%. But the most important gift is the accrual of interest on the balance (4% per annum).

1. The "Pension" card will please the elderly. With its help, you can receive additional income to your pension in the form of interest (5% per annum), which are accrued monthly on the balance of funds. The payment document is issued within one business day. There is no fee for servicing the card. You can withdraw cash at any of the ATMs of Promsvyazbank or its partners.

How to make money at Promsvyazbank?

Promsvyazbank offers favorable conditions for deposits (3 account options).

1. "Welcome!". This deposit is opened in the national currency (Russian rubles). It provides for the highest possible interest rates - 11% per annum. During the first 50 days after opening a deposit, funds can be deposited into the account.
2. "My benefit" offers the most favorable conditions. The account can hold funds in rubles (10%), in US dollars (1.8%) or in European currency (0.8%). If you take out an insurance policy, you can get the maximum rate - 11%. In case of early termination of the contract, preferential interest rates are provided.
3. The "Maximum Opportunities" deposit allows you to replenish your account and withdraw funds at any time (interest is not withdrawn). The deposit is made in rubles. The rate is 9.3% per annum.

Lending to citizens

Promsvyazbank provides various types of loans. Here you can take out a loan for the purchase of goods (furniture, electrical appliances, clothing, etc.) or the purchase of real estate. You can also apply for a credit card and get a grace period in which interest is not charged on the funds spent.

For citizens with a good credit history, the service "Credit Holidays" is provided, thanks to which a person may not make payments on debts for some time.