Raiffeisenbank

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2016-08-13 00:00:00:


In 1996, a new financial institution called Raiffeisenbank appeared in Russia. The company specializes in providing services to both private clients and legal entities. The Bank is available to citizens of the Russian Federation and other states. Financial transactions are carried out in domestic currency and foreign banknotes.

The bank's activities are controlled by the Department for Supervision of Credit Institutions.

 

Raiffeisenbank's concept

Raiffeisenbank adheres to the strategy of good customer relations. The company strives to meet modern requirements for banking systems and introduces the latest technologies and convenient services into its work. The Bank aims to build long-term relationships with its users and provides high quality services.

More than the client expects

Employees of the company are interested in serving customers at the highest level and often go beyond the requirements of the instructions, doing more than the user expects.

The employees of the company are responsible for their activities, which means that the client can be completely sure that his needs will be satisfied.

In its work, Raiffeisenbank is guided by the following principles:

  • confidence;
  • professional approach;
  • respect;
  • openness.

 

Modern Services

Raiffeisenbank Online: R-Connect

The times when you had to go to a bank branch and stand in long lines to pay for a communal apartment and other types of services are in the past. Today, all financial transactions can be carried out at home using the R-Connect service from Raiffeisenbank. What is needed for this? PC and access to the World Wide Web. The service is available around the clock.

Online you can:

  • view your account balance and the status of transactions;
  • pay for the services of utilities, mobile operators, Internet providers and TV providers (commission fee is not charged);
  • make money transfers (both intrasystem and interbank);
  • purchase foreign currency and so on.

R-Connect is a free service: you do not need to pay for connection and maintenance. Some payment transactions are free of charge. The cost of money transfers is much lower than offline. Conversion operations are also beneficial.

To start working with the service, you need to fill out the registration form (a message with a login and password to enter the system will be sent to your e-mail). Next, you need to click the "Login" button and enter the access data in the fields that open. If desired, the user can change the password and login.

Payments made through the service are completely safe due to two-level authorization (in addition to the login and password, the user enters a one-time password, which is automatically sent to the cell phone number).

Additional security is provided by the ability to monitor payments: a system participant can notice unauthorized interference in time and submit an application to the customer support center.

Every time a transaction is made, a message is sent to a cell phone or e-mail box.

A bank that is always at hand

The online service can also work on a mobile device. To do this, you need to install special software on your smartphone or tablet. You can do this for free. Raiffeisenbank also does not provide for a service fee.

The possibilities of mobile banking are very wide. With it, you can:

  • repay loans;
  • replenish the balance of the card account;
  • keep track of expenses
  • receive discounts when paying for goods and services;
  • pay for mobile communications, housing and communal services, Internet and TV, etc.;
  • carry out conversion operations (the rate is more profitable than offline);
  • make intrasystem and interbank payment transactions;
  • make deposits;
  • pay taxes;
  • pay fees to the accounts of educational and medical institutions;
  • receive statements on completed transactions;
  • create recurring payment templates;
  • find the nearest ATMs and branches of Raiffeisenbank (using virtual cards);
  • purchase shares in mutual funds;
  • calculate the amount of debt on the loan;
  • block the card (if the payment document is lost).

 

Provision of financial services

Lending

Raiffeisenbank issues various kinds of loans to its clients at acceptable interest rates. Here you can apply for a loan to purchase a home or a car, a consumer loan or open a credit card.

Consumer loans are issued in cash. This is a relatively small amount for which you can buy furniture, household appliances, clothing or a tourist package. Consumer loans from Raiffeisenbank have the following advantages:

  • the application for a loan is considered by the credit commission very quickly (from 1 to 48 hours);
  • you do not need to pay a commission fee for obtaining credit funds;
  • the loan is issued without obligations (guarantors and pledges);
  • the bank offers the service "Departure of a loan specialist";
  • the possibility of early repayment of the loan (from the first months) is provided.

Mortgage lending

Raiffeisenbank helps its clients to acquire real estate. Having issued a mortgage in a bank, you can take a few steps closer to the dream of your own apartment or house.

The company offers favorable rates (from 11% per year). The Bank is implementing a program of preferential mortgage lending, under which interest rates have been reduced. In addition, you do not need to collect a complete portfolio of documents. Mortgage loyalty programs can be used by customers who receive wages through the bank.

The financial organization is in partnership with many developer companies, thanks to which you can get not only favorable credit conditions, but also a good discount on housing.

Permission to issue a mortgage is issued by the credit commission. An application for a loan is considered within 2-5 banking days.

Cashless payment from Raiffeisenbank: credit cards

You can get a credit card at Raiffeisenbank. With the help of payment documents, you can withdraw credit funds with "live money" (in some cases, even without a commission). Cards are issued within one business day. To get a credit card, you need to come to a bank branch and provide a passport and a certificate of income.

An interest-free period is provided: within 50 days from the date of withdrawal of money, interest is not calculated. If during this time the loan is not repaid, then the interest rate is charged.

Some credit cards are a good deal for travelers. They are accepted in any country in the world where VISA and MasterCard payment systems operate. Paying with a credit card for plane or train tickets, the cardholder receives bonuses in the form of miles that can be exchanged for travel documents.

There are some products that offer discounts. For example, a certain percentage of the purchase amount is returned to the user's account.

 

Deposits in Raiffeisenbank: the benefits are obvious

At Raiffeisenbank, you can not only get loans, but also earn money. This opportunity is provided to clients who open deposits.

There are 2 deposit options.

  1. "Favorable". This deposit offers the most favorable rate - 7.7% per annum (opened in rubles). Interest is calculated every month. Prolongation of the contribution is provided. It is possible to issue "Favorable" in virtual mode.
  2. "Triple Benefit". This deposit can be opened both in domestic banknotes and in foreign currency (or in three types of currencies at the same time): dollars - 2% per annum, euros - 1%. This product allows you not to feel sharp fluctuations in the foreign exchange market. Interest is capitalized on a monthly basis. A deposit is opened in one of the branches of the bank.

You can manage deposits using remote services. These products help customers to accumulate the required amount and even increase it. Some types of deposits are serviced and issued free of charge.

 

Debit cards

The bank can also issue one of the debit cards. There are 9 types in total. Each payment document has its own characteristics and provides its owner with certain privileges. For example, the card "Afisha. Restaurants” will help you get a discount in social institutions. VISA Classic Travel is an ideal option for those who like to travel around the world. This card allows you to purchase plane and train tickets at a good discount. In addition, it provides favorable conversion conditions.