Arksbank: reviews, history, products and rating

"Arksbank" is quite a small credit institution registered in Moscow. Despite its modest size, it has its own network of territorial offices in Russia. The company's business is focused mainly on attracting deposits from the population and issuing loans to corporate clients.

History

The registered credit institution was first in 1992 and was named "Bastion". Originally it was created as a bank on a unit basis. Already in 1993, the form of ownership of a closed joint stock company was changed.

In 1996, the owners of the bank again changed its form of ownership and slightly changed the name, now it was named Joint-Stock Social Bank "Bastion". Under this brand, the bank worked until 2009, when the name changed again to "Contribution". However, this name was used only for about a year and in 2010 it was replaced by the modern name. From that moment a new round in the development of the financial institute began, and began receiving "Arksbank" feedback from an ever-increasing number of clients.

Territory

Since the foundation and until early 2014, the head office of the credit institution was in Voronezh, but then it was decided to re-register "Arksbank" in Moscow. From that moment the credit institution from the regional turned into a capital institution.

Despite its small size, "Arksbank" works not only in the capital, but also in such cities as Voronezh, Vologda, Belgorod, Chelyabinsk. Previously, the branch network was somewhat wider.

There are no own networks of ATMs and terminals at the credit organization. But since the issue of cards is not carried out, then "Arksbank" reviews bad for it does not get.

Indicators and rating

Relatively small "Arksbank" rating on financial indicators is also quite low and is in the third hundred Russian credit institutions. Nevertheless, some of its products are quite interesting. "Arksbank" deposits recently offered at a relatively high interest, due to this, he received wide popularity among individuals.

Despite the small size, the credit institution constantly shows profit and is in development. Individuals' deposits, which were accepted by Arksbank, also have additional reliability due to the participation of the financial institution in the insurance system.

Services for corporate clients

The main direction of the credit institution is the servicing of legal entities and their lending. It is for this that Arksbank often receives positive feedback. Corporate clients, in addition to keeping accounts and loans, can also use in the bank services such as deposits, cell leasing, bank guarantees.

Deposits for private clients

Arksbank attracts individuals' deposits actively. In the activity of a credit institution, this is the main source of financing. More recently, interest offered by the bank was at a fairly high level, but with a change in the economic situation, it also lowered rates. "Arksbank" reviews of clients who decided to use the services of deposits, deserved quite different, but most of them are still positive.

It is worth noting that the company does not accept deposits from individuals in its central office. Only legal entities are served there and there is a currency exchange. This is done to optimize the speed of work.

Deposit "Profitable"

"Arksbank" for customers who want to place from 100 thousand rubles or 10 thousand dollars or euros for 1 year, offers a "Profitable" deposit. You can open it for 360 or 367 days. At the same time, the rate in rubles will be 9% in the first case, and in the second case - 10.5%. Interest on foreign currency deposits within the program also depends on the region of discovery. In Moscow, placing a deposit for 360 days in dollars or euros, you can get 4%, and with a period of 367 days - 4.5%. Offices located in other cities, offer a rate of foreign currency deposits by 1% lower.

You can refill the deposit at any time, except for the last 30 days. The income is paid or capitalized every 3 months.

Deposit "Permanent"

For customers who want to receive payment on a monthly basis, Arksbank offers a "Permanent" deposit program. These deposits are allowed to replenish, in addition, the client can independently choose the necessary time and currency of the account. The rate in rubles is the same for all offices of the bank and is 1.8-10.5% depending on the chosen period of storage of funds. In foreign currency, rates will also depend on the region. The maximum rate - at 4.25% - can be obtained in Moscow offices.

Deposit "Real"

Those who prefer to be able to withdraw funds in part will benefit from the "Real" program. They open for a period of 1 month to 1 year and allow partial withdrawal and replenishment of the account. The rate in rubles depends only on the placement period and can reach 9.8% per annum. In dollars, a maximum of 4% can be obtained when opening a deposit in Moscow offices.

Deposit "Pension"

Specially for pensioners in "Arksbank" there is a proposal for "Pension" deposits. It is characterized by a reduction in the minimum down payment to $ 100 / euro or 3000 rubles, the possibility of replenishment and expenditure of funds. Bets at the same time the client can get quite interesting - up to 10.8% in rubles and up to 4.25% in dollars. When opening a foreign currency deposit in offices outside Moscow, you should be prepared for the fact that the rate on them will be reduced by 1%.

Other services for individuals

Not only deposits are ready to offer "Arksbank" to its customers - individuals. Consumer lending, safe deposit boxes, transfers and current accounts are also available for them.