Rosbank

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2016-08-13 00:00:00:


The financial organization "Rosbank" has been operating in the Russian market for about two decades, which is why we decided to talk about it on the pages of our online exchanger . The development of the bank was quite rapid, there were some turning points.

The Rosbank company was established in 1998 on the basis of the financial organization Independence. The activity of the bank complies with the current legislation of the Russian Federation and is accompanied by state permits (in particular, License of the Central Bank No. 2272).

In just 8 years of its existence, the company has expanded and acquired an international scale. This was facilitated by the attraction of foreign investment. For example, the French company Societe Generale invested a large amount of money in Rosbank. Two years later, the integration of both organizations took place. As a result, the Russian bank became the leader in terms of foreign capital among domestic financial institutions.

Rosbank began to quickly conquer the Russian market, expanding its geographical expansion. Branches of the company can be found on the territory of more than 70 regions of the Russian Federation (550 branches in total). The bank boasts a wide network of ATMs - 3,000 owned by Rosbank and 40,000 devices that are the property of the company's partners.

 

Work strategy

The company's management has developed a development strategy that is aimed at improving work efficiency, increasing the client base and meeting the financial needs of users. It is expected that new products will be offered to customers in the near future. The management structure of the banking network has not been left without attention: it is also waiting for changes that involve bringing the quality of service to a new level.

 

Social politics

Employees of Rosbank take an active part in social life, implementing several charitable projects.

  1. "Everyone has the right to help." This is an internal banking program. Its task is to help the company's employees realize their aspirations to provide assistance to those who need it.
  2. "Together we can do more." This program is regional in scope. It provides for the creation of conditions for the integration of people with disabilities.
  3. accessible environment. "Rosbank" assumes all costs associated with the delivery of disabled people to the venue of cultural events.
  4. "Week of Social Responsibility". This is a program of world importance. Employees of the entire banking network, including branches that operate outside of Russia, take part in it.

 

Remote forms of service

Rosbank offers its customers several services that can save personal time (and in some cases money). These are services such as Internet banking and mobile banking. With their help, you can pay for services or make a money transfer from your home computer or from any mobile device.

Rosbank Online

The Rosbank Online service is very popular among users. It provides a wide range of services, affordable rates and almost unlimited possibilities:

  • payment for utility services;
  • replenishment of the mobile phone balance;
  • paying fees to Internet and TV providers;
  • payment for all types of insurance;
  • paying tuition fees, etc.

In virtual mode, the user can carry out the same operations that are available in bank branches:

  • auto payments (allow you to transfer money to the accounts of various service providers on time; to do this, you need to configure the settings in your personal account);
  • interbank transfers in various types of currencies;
  • intrasystem money transfers (in rubles);
  • conversion operations;
  • replenishment of accounts opened in electronic payment systems;
  • money transfers between card accounts;
  • operations on deposits (registration, replenishment, claiming a partial or full amount, refusal to prolong);
  • making loan payments.

Rosbank Online is equipped with a full range of functions that provide for account management. In the personal account of Internet banking, users can:

  • receive account statements;
  • check account balances;
  • view the history of transactions;
  • receive the necessary information about loans (current debt, next repayment date, etc.);
  • receive information about deposits (deadlines, interest rates, amounts).

In the personal account there are templates, by filling in which the client will be able to apply for the production of a card. You can also apply for a loan online. You can also express your disagreement with the transaction through the Internet banking server.

Some operations related to the security of client accounts are also available in the Rosbank Online account. The user can change the PIN code that gives access to the card, block (or unblock) the payment document, and check its status.

In the personal account, settings are configured related to notifying the user about the status of payment transactions: by linking an email address to the account, the client will receive notifications by email. If desired, you can link a mobile phone number.

There are several ways to connect Rosbank Online Internet banking:

  • on the server https://getlogin.rosbank.ru;
  • through the Contact Center;
  • through ATMs;
  • by contacting one of the branches of Rosbank.

You do not need to pay anything for connecting and operating Internet banking. In addition, a special tariff plan with reduced tariffs is provided online.

The Rosbank Online service complies with international security standards, so account holders can be calm about the safety of their savings and confidential data: payment and personal information goes through an encryption program and is transmitted via secure channels. Attention! The site administration strongly recommends keeping the login information (login and password) secret.

 

Payment cards from Rosbank

Bank "Rosbank" offers a wide range of plastic cards, which are divided into 4 categories.

  1. Debit cards are available in various options, each of which has its own advantages and provides special privileges to its holders. For example, under the terms of the Sveharkta+ product, 7% of the cost of goods or services is returned to the holder's account. Paying with "Autocard" for the services of gas stations, car washes, etc., a person receives 5% of the funds spent. But thanks to the Signature / World Black Edition Travel Mils payment document, bonus miles are accumulated, which can be exchanged for travel documents.
  2. Maps for teachers and youth. These payment documents are accepted all over the world and offer unique opportunities for young people and university teachers. Cards can act as a student card. By presenting a MasterCard Standard card , you can get a discount on museum tickets (and in some cases even a free admission document). The owner of the document will have access to trainings, seminars, all kinds of courses at a reduced cost.
  3. Cards from the "Additional Features" series. These payment documents provide their holders with special privileges: increasing the limits on the purchase of goods in shopping centers, receiving discounts, the opportunity to participate in promotions, as well as admission to VIP rooms.
  4. Credit cards are a unique opportunity to get a loan. The borrower can dispose of the loan funds at his own discretion. The conditions of some payment documents provide for the return of a certain percentage of the funds spent on paying for a service or product. It is worth paying for the purchase with a Classic / World Travel Mils card, and bonuses will be credited to the card account, having collected which, you can purchase tickets to any corner of the world.

 

Loan products

Rosbank makes the dreams of its clients come true by issuing loans at acceptable interest rates.

  1. Car loans. Thanks to this type of loan, you can buy a car (foreign or domestic, new or used). Some products participate in the state program. Having issued such a loan, the borrower receives special conditions for interest rates and loan repayment.
  2. Non-targeted. This category includes two types of loans: secured and unsecured. When applying for a secured loan, the client must provide a guarantor or collateral (for example, a car). Favorable interest rates are offered for secured loans – from 13.5%. An unsecured loan does not require guarantors or collateral. However, interest rates will be slightly higher - from 15.5%. The borrower can dispose of the funds received at his own discretion: purchase goods, a tourist package or pay for education, medicine, etc.
  3. An overdraft is a loan that involves a strictly set amount by the bank. This product can be used by salary customers of Rosbank. Interest rates are 25.9-27.9%.
  4. Refinancing. Clients can use the service of refinancing loans received from third-party banks. This makes it possible to repay the debt in the shortest possible time on the most favorable terms.