"AK Bars" (bank): customer reviews

A bank is an institution without which it is difficult to imagine our life. Some financial institutions have long and firmly won their customers, others are not so known to the Russians and have appeared relatively recently, but have already managed to prove themselves. Just the last and refers to "AK Bars" (bank). Clients' comments indicate that the company offers excellent interest and conditions for the deposit, is a reliable and promising financial institution.

About AK Bars Bank

In 1993, AK Bars started its activity in the financial market of our country. The bank (reviews of some people indicate incompetent work of the staff) has all the necessary licenses for financial activities and offers more than one hundred services to legal entities and individuals.

To date, the company's clients have become about three million private individuals and more than 67 thousand companies. The bank has an authorized capital of 38 billion rubles. Own state of the organization in 2016 amounted to 58 billion rubles.

In 2016 there were about 8 branches of the bank in the Republic of Tatarstan, 21 branches were opened in large cities of Russia. There are 196 additional offices, 31 cash desks and 10 financial and operational offices. There is a subsidiary office of the JSC NNRO "Narat", which is located in Saratov.

Is under reliable protection of the government of the Republic of Tatarstan "AK Bars" (bank). The revocation of the license from this organization has never been done, which causes customers' trust and helps to expand the scope of their activities.

The head office of the organization is located in a city like Kazan. AK Bars is a bank (reviews mark the rapid consideration of applications for credit), which in the Republic of Tatarstan has a significant position and is known more than in Russia. It is considered to be the number one bank there.

The AK Bars bank is still in many large cities of Russia. St. Petersburg (reviews of some people indicate unskilled workers) and other large cities have on its territory several of its branches.

Services for individuals

Offers individuals a wide range of banking products "AK Bars". The bank (reviews note the speed of execution of all necessary documents) makes it possible to make term deposits, demand deposits, and also open current accounts for transferring money and transferring salaries. The rate on deposits reaches 10%.

You can apply for a profitable mortgage loan with the help of AK Bars (bank). Mortgage (reviews indicate that the financial institution gives targeted loans on favorable terms) is provided for the purchase of finished housing and for the purchase of an apartment in a newly built house. For clients in Moscow and St. Petersburg, the amount of loans ranges from 300 thousand rubles to 8 million rubles. The maximum loan period of 30 years with a rate of up to 17% is provided to them by AK Bars (bank). Mortgage (reviews of some people indicate the slow execution of payment orders, large queues in branches) in this financial company may have many different options.

In addition to these services, individuals can take loans:

• Guarantee;
• Mortgage;
• Automotive;
• On personal part-time farming.

In addition, the bank offers debit, credit, prepaid and virtual plastic cards, service terminals, ATMs. Another financial organization conducts money transfers, carries out brokerage services and other services, which include:

• Payment of utility and other payments;
• Exchange of currency units;
• Cells for storage;
• Precious metals;
• securities;
• Mail-bank.

Tariffs for servicing individuals are very acceptable and attract a lot of clients to the bank.

Products for business

For legal entities offers to perform a number of services in the settlement and cash activities of AK Bars. Bank (reviews of some people say that this legal entity does not issue a loan without insurance) issues loans to small, medium and large businesses. In many cases, the interest rate is set individually.

The bank also performs:

• Financing of various projects;
• Issues plastic cards for employees of corporate organizations;
• Will provide trade acquiring;
• Places material means;
• Provides online services;
• Conducts foreign economic activity.

For each client, the financial institution is looking for a special approach, fulfilling all obligations under the contracts and arranging various actions, thanks to which it is possible to conclude a very profitable business deal.

Service of financial organizations

One of the most promising areas is working with financial organizations from AK Bars (bank). Clients' feedback indicates that the company responds quickly to any request, and when making a contract requires a minimum number of documents.

For corporate clients, the organization offers:

• correspondent account;
• Interbank lending;
• Conversion manipulations and other operations on documents;
• Trade financing.

In addition, AK Bars helps client banks to conduct currency transactions, carries out a number of actions with precious metals, closely cooperates with insurance companies.

Financial House "AK Bars Persona"

Special privileged services are waiting for clients in the project "AK Bars Persona". Here, every client in conditions of strict secrecy and increased comfort can take advantage of exclusive offers provided by AK Bars. Bank (customer reviews note that financial institutions often have technical problems, which creates certain inconveniences for customers) offers here to make premium deposits, which can be in dollars, rubles and euros. The minimum deposit term is 62 days, the maximum term is 744 days, the largest percentage for ruble accounts is 9.6%, for dollar accounts - 2%, for the euro - 1.2%.

In addition to deposits, here it is possible to issue premium loans to receive safe deposit boxes, cash and settlement services, and purchase precious metals.

The package "Persona", which includes such products as:

• Preferential conditions for the issue and service of premium-class cards;
• Issue additional cards;
• Exchange of currency at a special reduced rate;
• Provision of an overdraft to the card account;
• Crediting of funds to the card;
• Travel insurance.

In addition, AK Bars Person offers accumulative and investment insurance, investment services, including:

• Mutual investment funds (Mutual Funds);
• Trust management;
• Investment services.

These and other services can be obtained on beneficial terms from a banking institution upon accession to the "Persona" program.

Appendix "AK Bars Online"

Many clients find a convenient online application that is provided by the financial organization AK Bars. The Bank (customer feedback on deposits notes a delay in the payment of dividends) gives its customers the opportunity to make online many financial transactions, these are:

• Access accounts;
• Carry out transfers between your accounts and cards, as well as on someone else's plastic cards;
• Open deposits / accounts;
• Pay for utilities, internet, TV, cell phone;
• Repay loans;
• Block or unblock plastic cards;
• Make auto payments;
• To make contributions to the charitable foundation;
• Exchange currency.

In order to use these services, you need to go to the site of the AK Bars Online system. The registration form should include the card number, choose possible confirmation options and enter the session code.

This service can be used at any ATM that belongs to AK Bars.

Rating of a financial institution

AK Bars Bank (credit reviews note that this financial institution does not restructure its debt, which is very depressing for customers who have found themselves in difficult everyday situations) carries out its activities with the assistance of the Government of the Republic of Tatarstan.

Fitch Ratings assigned a rating of "BB-" to the bank. This assessment characterizes the speculative rating and indicates the likelihood of occurrence of credit risks. The long-term forecast of economic indicators in the company is regarded as negative. Despite this, the company is authorized to conduct full-fledged financial activities.

Agency Rus-Rating in May 2016 gave the financial institution a high level of creditworthiness, compared with other issuers of the country. The foreign rating company Moody's Investors Service estimated the work of the financial institution to the level of В2, which means speculative debt obligations and possible credit risks. This indicates the financial instability of the organization, which needs help and receives it from outside.

The average rating of the issuer is at the level of "BB-", which indicates the reliability of the bank and its financial solvency. In addition, the bank is constantly improving its activities, which leads to improved operational performance. Increases the quality of assets and increases the share of transactions in business.

According to the national rating, the average score of the bank is 1.95 out of five possible points. More than half of opponents are dissatisfied with the service and the level of services provided.

Official website of the company

The official site of the bank helps customers to understand the products it provides. Here you can transfer from the card to the card and start a mobile wallet, as well as find out where the nearest branch of the bank is, an ATM or an infokiosk.

The site contains all the necessary documentation about the company, complete reporting on all areas of activity, information for shareholders. The electronic platform acquaints customers with the news of the company, its life. Detailed description of the scope of its activities and all the innovations.

The financial organization conducts a lot of actions, thanks to which it is possible to conclude a profitable financial transaction, for example, the action "AK Bars Doverie", which allows to issue a car loan or a consumer loan on preferential terms for the client.

Directly from the site you can book an air ticket in any direction. The program provides several options for the flight, among which you can choose the most suitable.

On the electronic service calculators of deposits, mortgage loans, loans and car loans work, which is very convenient. After all, without leaving home you can count on the benefits, which gives cooperation with the bank. And the application for a loan or opening an account can be left right there, online.

The site allows you to evaluate the quality of customer service, leave feedback or ask experts to contact. Here you can see the phone of the bank branch and at any time ask a consultant a multi-channel phone working around the clock.

Navigation of the site is convenient and easy to understand, any student can understand here. All provided information is up-to-date and helps clients to make the right decision.

Career, employee feedback

Work in AK Bars Bank (reviews about the employer note a cozy office and a good friendly team) gives people ample opportunities for career growth. Here you can get invaluable experience of working in one of the largest banks in the country. Employees of the company undergo special training and constantly confirm their qualifications. The Bank seeks to establish itself a good reputation and therefore appreciates in employees such qualities as:

• professionalism;
• Hard work;
• a responsibility;
• Openness;
• Benevolence.

On the company's website, anyone can look at the vacancies in their city and fill out the applicant's application form. A financial organization "AK Bars" (bank) strives to create a reliable team of true professionals.

Feedback from the staff of this institution is very different. Some are satisfied with the work. They say that the company's office is convenient, the team is friendly, there is qualified training and full compliance with the labor code.

Negative feedback from employees indicates a low level of wages, high plans for issuing loans, permanent technical failures, due to which it is necessary to delay after a day's work and finish the applications. These people celebrate staff turnover, processing without payment, delay in vacation.

Customer Testimonials

Has a lot of the most controversial opinions about myself "AK Bars" (bank). Deposits (the reviews note frequent failures in the online system, due to which one has to go to the office and make financial transactions there) are profitable in this bank, but, as the customers point out, it takes a long time to process them. Another positive feedback is about fast service and qualified personnel, good credit conditions, the bank's performance of all obligations to customers.

Negative feedback points to poor service, tight office space, frequent technical disruptions, which cause the bank to be treated several times. These people say that often the bank denies credit for reasons that are not voiced. Imposes insurance even where it is not needed, and without it refuses to file a deal. Sometimes, at the last moment, the bank changes the loan rate, without notification of the client, and people have to wait a few more days to get credit approval once again. Mortgage registration takes about a month, unlike other banks, where the implementation of such a transaction takes a couple of weeks.

It can not be said that there are much more negative opinions about the work of this bank than positive ones, but all of them affect its reputation and the demand for banking products.