Connected bank deposits. Reviews of a connected bank. Investing in the national currency of different states

Bank "Svyaznoy" has become for many people one of the most popular sources of obtaining loans and additional income. The Bank is actively developing and increases the number of its depositors, opening new programs with sufficiently profitable interest rates and other conditions for the placement of funds.

CJSC "Svyaznoy Bank" providing services for both retail and corporate clients as a bank institution, it was formed in 2010 as a result of the partnership of AK Promtorgbank (CJSC) and the Svyaznoy Group. In November 2013, it became aware of the possible transaction to unite the connected bank and the Renaissance loan.

According to the net assets, the bank at the beginning of 2014 takes 71th place among all Russian banks (more than 900 organizations), and in terms of the volume of funds raised from individuals - 39th place. In Moscow, 11 branches of the Bank "Svyaznoy" operates.

As of March 1, 2014, "Svyaznoy" offers only one type of deposit - "Classic". Consider the conditions for its opening more.

Contribution "Classic"

The deposit opens in 3 currencies (rubles, euro, US dollars) for a period of 369 days. The minimum deposit amount is 30,000 rubles, 1000 dollars or euros. The interest rate is set in the amount of 8% (rubles), 4% (dollars) and 2.5% (euro). Interest can be paid every month (on the bank card or current account) or capitalized, increasing the income from the contribution. In this case, an effective interest rate will be 8.3% on ruble accounts, 4.07% on dollar deposits and 2.53% of Euro accounts.

It is allowed to accomplish additional contributions without restrictions on the amount, but their reception stops for 30 calendar days before the expiration of the contract. Removing the funds of parts is prohibited, but you can close the account ahead of time, while retaining a part of interest if the money was on the contribution of more than 91 days. Interest rates in case of early deposit are shown in Table:

The autoprolonization of the deposit is provided at rates acting at the time of prolongation.

Features of registration and replenishment

The contribution opens in the bank's separation upon presentation of a passport. If the client has a key "key to the account" or a "Svyaznaya Bank" map, it can issue a "classic" deposit through the Internet bank or through the customer support center.

Also provides for the possibility of replenishing the deposit in any mobile communication center "Svyaznoy" through a cashier or terminal. For this, the depositor needs to know only the 20-digit account of the deposit account number. With additional contributions worth more than 15,000 rubles, a passport will be required.

Contributions today - a great way to not only save your funds, but also to increase them. A fairly large number of different companies today offer their services about deploying money. Well established himself today "Svyaznoy".

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Which are represented

A distinctive feature of the bank "Svyaznoy" is a large selection of a wide variety of deposits. Therefore, even the most attractive client will be able to choose a good solution for the placement of its savings.

There is only a certain number of nuances, to deal with them best in advance. If necessary, it may be possible to use the individual proposal of the bank. "Svyaznoy" offers several different ways to form a deposit with special conditions.

Today, basic programs that customers can take advantage of without exception are the following:

• "Replenished";
• "Unfilled";
• "Multiculous".

The product name is quite in detail reflecting the contents of specific products. In turn, they all differ quite significantly from each other.

Therefore, before making a choice in favor of a specific program, you need to carefully deal with the parameters of such deposits.

Conditions

According to the indicated contributions, special conditions are established. It should only be borne in mind that a monthly change of standard lending parameters is carried out.

Therefore, you must first get acquainted with current information about this:

Each contribution has a number of sufficiently specific options. With all of them, you need to figure it out before signing the contract. Moreover, all such parameters are detailed in the contract for the opening of the depositary account.

Pre-consideration of the nuances of the agreement will avoid controversial moments. If such for some reason, they still arise and allow them to be peaceful way impossible - it is necessary to apply to the court.

Interest rates

There are basic interest rates that are assumed in case the placement of funds is carried out in a standard way, on general grounds.

For 2020, the following rates are installed on the Program of Deposit in the Bank "Svyaznoy":

It is also important to take into account that rates sometimes differ quite significantly for products open remotely or directly in the office.

Moreover, the most profitable proposals operate through the Internet. This moment is necessary to work in advance.

Today the magnitude of the annual interest rate is primarily dependent on the following:

• cash deposits;
• the amounts that were enrolled appropriately directly to the bank account;
• selected deposit currency;
• lending program.

Accordingly, the greater the amount of funds will be placed on the contribution and the longer period - the more significant the annual interest rate. But at the same time it is necessary to take into account the currency of the deposit itself.

Today, the largest rates are set on deposits that are revealed in the domestic currency - in rubles. At the same time, rates on dollar deposits, as well as deposits in the euro fluctuate from 0.5-1.5%.

In general, the ruble contributions are more beneficial. At the same time, if you need savings in dollars, it will be desirable to make execution again in foreign currency.

An important point is the presence of additional deposit options. This is capitalization, as well as the possibility of replenishing an account during a certain period of time. For example, it is in the case of capitalization, the absence of early removal of a loan rate will be maximum.

There are many different factors that directly affect the magnitude of the profitability of a particular contribution.

Therefore, in the absence of the experience of financial management, the optimal solution will be obtaining special consultation from a qualified specialist.

It may be avoided by many of the most different difficulties, optimize the yield in a particular case.

How to arrange deposits in a bank connected

As in all other banks in "Svyaznoy", it will be possible to make contribution to in many ways - via the Internet or contacting the Bank's office directly. The algorithm of design over the Internet itself looks standard.

It includes the following main steps:

• go to the Bank's website to the deposits section and click on the button called "Open Contribution";
• next, fill in the list of special fields:
  • surname, name and patronymic;
  • date of Birth;
  • series and passport number;
  • date of extradition, mobile phone number;
• after filling out all the obligatory data, we put a tick opposite the inscription "I agree to the processing of personal data";
• click on "Open Contribution".

After all the data is fully shipped, the Bank's employee will contact the client. After that, it denotes the main parameters of the contribution, as well as all the necessary nuances.

If the conditions proposed by an employee are fully satisfied with the borrower, he will need to contact the nearest office.

It is also possible to immediately contact the bank to execute the application and the discovery of the contribution. In this case, the main document, to provide which it will be necessary to in advance, is only a passport of a citizen of the Russian Federation. There are no other additional documents to provide the need.

Calculation of income

One of the most significant issues for many borrowers is the question of profitability on a specific product. The most accurate information on this may be provided only directly in the banking institution itself.

But also on the official website of the "connected" bank, a fairly convenient calculator is presented to implement all the necessary calculations.

To independently implement the calculation procedure, it will be necessary to follow the algorithm:

• go to the deposit section;
• we enter the following data into manual or using the slider:
  • the amount of investment;
  • how long;
  • monthly replenishment.

After all the necessary sections are filled accordingly, information on the final income will be reflected on the right side of the page at the end of the deposit period.

Payment of interest

The client has the ability to independently choose how it will be used by the percentages:

• listed for subsequent cashing on the card or a special account;
• capitalization - all means are used to accrual to the deposit account, in the future interest will also be accrued.

Insurance

This bank works only within the framework of current legislation. That is why there is a conclusion of a special agreement with the Deposit Insurance Agency.

According to the legislation, all deposits up to 1.4 million rubles even at the bank's bankruptcy will still be paid. The moment is established by legislative norms.

Good day! There has been a lot of information about the connected bank on this site, unfortunately, often not the highest content, the bank was really good and convenient, but he himself deserved the current reputation as its actions over the past 6 months. I don't want to write about the introduced restrictions and the commissions at all, the mass outflow of depositors showed everything, in one word closed people the possibility of prompt receipt of their money using loopholes in legislation, offering some ridiculous conditions that many inconvenience deliver many inconvenience. I understand, difficult times, but at least for loyal customers (those that were not fled at the very first grum risks) would have yielded humanly! But the questions of their own reputation in this institution apparently do not interest anyone.

What could be a mistake there if an employee fully verified and received a statement with me filled with her? Somewhere in January-February 2015, I called to find out what happened there in the end with my statement, but the operator of a clear answer could not give, they say, there is no data in the system. Apparently, this system works so that the application submitted in the bank separation somewhere disappeared somewhere, leaving me only SMS in a reminder of him. Well, okay, the benefit of the means to solve all questions and it was decided to leave everything as it is before returning, for calling from another continent and find out what was there and how it was problematic.

June 2015 came and I needed my funds (currency and rubles) that are in accounts in a connected. I find out the procedure for changing personal data to change the number of a mobile phone, because without it nothing with the money now does not make it remotely proceed to their implementation.

Here it begins the epic, then the chronology: June 23, 2015, I sent a statement and necessary documents to the bank scan and the required documents (passport and driver's license). For the first time I came up to some formalness, allegedly not in that field is written, remake, write in the other, although it is perfectly clear and also indicated by the arrow that you need to change the mobile phone number.

Suppose formalism. Okay. I rewrote the application as it should be and sent it in a response letter. It was the statement that I was indicated, and not repeated scans of documents! Since I was clearly written in the response letter, direct speech: "I ask you to send a scan copy of a new statement in a response letter. Thanks in advance." Ekaterina is a specialist of the processing group of Internet calls of a connected bank. If the Lord and Ladies act formally, then it costs to be formally defined, that is, I ask you to send a scan copy of a new statement and re-scanning the relevant documents in the response letter. " How should I know what you need to direct the scans of documents when I sent them them already?! It comes from the fact that it is not Sharacken office, and it seems like a bank in which a specialist sees the story of communication with the client and does not require him to repeat each time the same actions, and if it requires, it says exactly and in a timely manner!

Further more! We send a full package of documents in accordance with the next indication: a new statement, a scan of passport and driver's license scan. I draw your attention to what everything is done in strict accordance with the parameters specified in the bank response. I quote: "Together with the application, you must send a scan copy of the passport breakdown with a photo (2-3 pages) and a scan copy of the additional document (with the mandatory presence of photos in it). If you do not have the above documents, then you are allowed to send a photo, where you keep your passport in the hand in the deployed form. The following data should be clearly visible in the photo: FULL NAME, date of birth, photography, number and series of the document (in the photo at the time of shooting should be at the same time your face and an open passport with your photo) ". Alexander Specialist of the Internet Appeals of the Svyaznoy Bank. Keywords: "If you do not have the above documents ..."! But they are present, and I have already sent them all!

It takes another day and I now comes a letter to send a photo with a passport! With whom or what will need to send a photo yet ??! And how many times?! If you need to send everything immediately, then write about it immediately and I'll send everything, and not forcing customers to spend a lot of personal time for such actions, especially since your bank has already delivered them a huge amount of inconvenience with all your limitations! I do not mind sending copies of all documents immediately, there are no problems with this, but when each employee asks to send something else to its discretion, it becomes like a mockery. I understand all this for security, but only in this case it is not security, but the illiterate work of the bank employees who cannot immediately explain to people that they are required of them!

Thus, a trifle issue with a change of phone number lasts for four working days! And it is only for submitting an application! To date, I have never received a notice that the number is changed. Do you think this organization is normal?! I ask the responsible employees of a connected bank to analyze the situation on the subject of "competence" of your employees when working with clients (you have all the correspondence). I also hope that the representatives of the Central Bank also at least sometimes browse this forum and take note of this information. Although without such statements, the Bank has already a lot of grounds for farewell to the license.
Thanks for attention.

Svyaznoy Bank 26.06.2015 15:02

Answer for Nikvik12.

Hello! We are very sorry that after such a long-term cooperation, your opinion about us has changed.
Since currently all operating offices are closed, we will not be able to check the reason why the application for changing the phone number was not adopted in 2014
In February 2015, the Customer Support Center operator correctly consulted the process of changing contact data.
Please accept apologies for misunderstanding that arose as a result of contacts on the bank e-mail. Inquiries directed earlier could not be processed, since the necessary scans of documents were filled incorrectly or provided not in full. Also, for security reasons, you were requested a photo with a passport.
Today, 06/26/2015, the correct package of documents entered the bank email and was accepted. The phone number will be changed within 24 hours, after which you will be informed by the SMS message. Expect please.
We hope for understanding and continuing cooperation!

The moment came, which we did not expect at all, the Central Bank withdrew the license from the bank. Please clarify, in connection with the review of a license to carry out banking activities, how can I now get your own funds that are open on my name of accounts and deposits in the bank?! Preferably, describe the step-by-step instructions with a description of approximate dates and deadlines.

24.11.2015 9:25

Good day! It is quite strange to use FIDBEK for the question, but because There is an activity, the expiration of the card, the mobile number to which the map was tied - died, everything else is available. How can you make money from the card?

p.S. The bank is rather dead, what is alive? Good day! It is quite strange to use FIDBEK for the question, but because There is an activity here ...

23.11.2015 21:58

The bank clearly decided to become a trash. I used it for 5 years, everything was wonderful, but the last year it is clearly falling at the bottom to microfinance organizations. 5 days try to proceed with a loan! And I draw conclusions that this is a targeted sabotage of the Bank of the Bank for the impossibility of replenishing an account without a commission. The fact that the bank will spamp them all that they did everything for customers and can be replenished through QIWI - lie! Drive more than 40 terminals for 5 days (SPb and Len. Area). All taken from QIWI. Of these, only 3 turned out to be Kiwi, the rest or not at the specified address, or are not related to QIWI.

As a result, in those 3 that belonged to Kiwi, there was no possibility to pay, the reasons in two did not take money in favor of the connected. There is no in one connected. Negotiations with the bank and the recovery department do not lead to anything, they cannot say where you can pay for the loan, send to solve the problem with Kiwi. Kiwi register a complaint, but cannot call where you can replenish exactly the account.

The result, the bank exposes penalties for the delay in payment. Circular lie! Bank, borrower, and third Face Kiwi. But I just, as a person, the contract with the bank does not understand why the bank offers a question with the payment to solve with the third face of Kiwi. Apparently, I like the client, you will have to suggest to take money for a loan from the fourth person who I have to money, I think it will be logical from the same position of a connected bank.

I would like to get an answer from the official person of a connected bank, for what purpose is it? And do not write comments that it is not true. I am ready to provide photo and video clocks to which you refer!