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RosselkhozBank

2016-07-25 00:00:00

RosselkhozBank is one of the largest banking structures operating on the territory of the Russian Federation. The company was founded in 2000. The founders of the bank saw its purpose in lending to agricultural enterprises.

Today RosselkhozBank is a universal organization, the services of which can be used by all categories of clients:

  • individuals;
  • state-owned companies and enterprises;
  • representatives of small and medium-sized businesses;
  • large corporations.

The owner of the full package of the bank's securities is the Russian State (in particular, the Federal Agency for State Property Management).

 

Comfort first: modern features

Employees of RosselkhozBank took care of the comfort of their customers and developed a number of services that can make life easier for a modern person.

Virtual bank

"Internet office" is one of the forms of service at a distance. This service allows you to conduct various financial transactions from your home or work computer. The server is safe, convenient and easy to use.

The "Internet office" is available to users 24 hours a day and works seven days a week: the client can pay for the purchase or transfer funds to a bank account at any time of the day or night. You can log in to the system both from a PC and from a mobile computer device. The benefit of transactions is also obvious: their cost online is much lower than similar transactions performed through third-party banks and payment systems.

By registering in the "Internet Office", the user can be absolutely calm about the safety of his funds and payment information: the server is based on modern security systems. Information is encrypted and transmitted over secure channels.

"Internet office" opens wide opportunities for users of the system.

What can bank customers do?

  1. Get information about the status of your accounts, debts on loans, payment transactions and more.
  2. Carry out various types of transactions:
  • Money transfers;
  • payment for goods;
  • payment for the services of TV and Internet providers, mobile operators, housing and communal services, security, and more.
  1. Make intrabank transfers.
  2. Exchange currencies.
  3. Transfer funds to accounts opened with third-party banks and electronic payment systems.
  4. Top up MasterCard and VISA bank cards.
  5. Enable or disable additional options.
  6. Open card accounts.
  7. Independently set a limit on the amount of transactions for a specific time period.
  8. Open electronic cards.

Banking on mobile

RosselkhozBank offers its customers an application for smartphones and tablets. This software allows you to do the following:

  • manage your accounts;
  • view transaction history;
  • pay for telephony services (both mobile and landline), Internet, utilities, and more;
  • transfer funds to client accounts opened with RosselkhozBank, as well as conduct interbank transactions;
  • block a payment card if it has been lost or stolen;
  • receive information about changes in the foreign exchange market.

The entrance to the mobile application is carried out through the M-Token generator, so it is safe to say that the "Mobile Bank" is a secure server.

 

Payment cards from RosselkhozBank

RosselkhozBank issues debit and credit cards. Debit payment documents are modern technological products: they are easy to use, and transactions are performed instantly. The company presents a wide range of debit cards, each of which has its own characteristics.

  1. RosselkhozBank-Rosneft card. This payment document opens up unique opportunities for its owner: by making transactions using the cashless method, the user will receive bonuses that can be exchanged for goods and services.

The client will receive 300 starting bonus points by topping up the card balance for the first time and making a payment.

A card account can be opened in domestic currency, European banknotes or US dollars.

  1. "Amur tiger". On this card, clients can place their deposits and receive stable income from interest (7% per annum). With the help of a payment document, you can pay in shops and institutions of social and consumer services located anywhere in the world. The account can be opened both in domestic and foreign currencies.

Registration of the payment document is carried out at the office of the bank.

  1. The "Service" card helps users to pay their debts on loans. You can open it for free by contacting one of the branches of RosselkhozBank.
  2. "Capital". This card is accepted in all trade establishments of the world that cooperate with VISA and MasterCard payment systems . Bank customers can store their savings on it. If necessary, the cardholder can withdraw funds from the card account at any time.

To apply for a card, you need to contact the bank employees. As soon as the payment document is opened, the user must transfer a small amount to the account.

  1. The "Pension" card is a profitable offer for the elderly: 7% per annum is charged on the balance of funds. The user can withdraw money whenever they wish. This can be done at branches and ATMs of any financial institution operating in Russia.
  2. "Salary". The salary of employees of enterprises that have entered into a partnership agreement with RosselkhozBank is transferred to this card.
  3. An electronic card from RosselkhozBank allows you to conduct financial transactions online. You can issue a card through an ATM or Internet banking service.

Bank customers can also open credit cards that allow them to take out a loan to purchase goods or pay for services. The choice of payment documents of this type is quite wide. Each of them has its own terms and conditions.

  1. country. This card is suitable for paying for online purchases. You can also withdraw cash from her account (at ATMs). The company offers preferential conditions for using the loan: no interest is charged in the first 55 days.

The maximum amount that the document holder can spend is 250 thousand rubles. The interest rate will be 24% per annum. For document maintenance, you need to pay from 200 to 300 rubles.

  1. "Premium". This card allows you to take a loan up to 1 million rubles. The interest rate will be 21.9%. The card provides its owner with special privileges and opens up wide opportunities for him. It can be used in all countries.
  2. "Master Cards". Thanks to this payment document, the client can purchase goods at a discount. Having paid with a card in a store, restaurant or beauty salon, the document holder receives 1% of the amount spent. And if the user paid with the card of the servant of the gas station, then 5% will be returned to his account.
  3. The Golden card is intended for privileged clients. The holder can spend up to 600 thousand rubles. The loan rate will be 22.9%. The payment document opens up additional opportunities for its owner.

 

Lending

"RosselkhozBank" provides its users with all types of services related to lending. Clients can take a loan to purchase goods, pay for services, purchase real estate or vehicles.

Consumer loans are offered in several options:

  • without security for citizens who do not have a bank account (interest rate - 15.5%);
  • without collateral for the company's clients who receive wages to an account opened with a bank (rate - 15.5%);
  • secured (issued upon the provision of a guarantor or collateral; the rate will be reduced to 14.5%);
  • a pension loan is issued to elderly people (up to 75 years old) with an interest rate of 14.5%;
  • non-purpose loans can be taken on the security of real estate (interest rate 15.5%);

The Bank also offers special consumer loan programs designed for people who are going to buy a garden or household plot (19.5% rate), as well as for those who need to purchase and install equipment for various communications: water supply, electricity, gas pipeline, sewer systems ( rates 20.5%).

If necessary, you can carry out the procedure for refinancing a loan that was taken from a third-party banking organization. In this case, the interest rate will be 14.9%.

 

Contributions

Bank customers can receive a stable income by making one of the deposits. The company offers 9 types of deposits. Each of them has its own conditions. Here is some of them.

  1. "Amur tiger". The deposit is opened in domestic currency. Interest is charged every month (7.95% per annum). You cannot top up your account.
  2. A "classic" deposit can be opened both in Russian rubles and in euros or dollars. Interest can be accrued monthly or at the end of the deposit term (tariff rate: rubles - 8.45%, dollars - 2%, euros - 0.90%).
  3. "Cumulative". Can be opened for a period of 1 month to 4 years. Interest is calculated monthly or at the end of the term. You can invest money both in Russian rubles and in foreign currency. Tariff rates (depending on the type of currency) vary from 0.85 to 7.45%.