LLC "Kubansky universal bank": customer reviews

"Kuban Universal Bank" is a relatively small but fairly reliable participant in the financial market. It is a regional institution, the main office of which is located in the city of Krasnodar. The activities of the financial institution are carried out under the guidance of the local administration. The clients of the bank are people living in the region. Their feedback about the establishment is very positive, as the level of services is quite high.

Main activities

"Kuban Universal Bank" is actively involved in the implementation of not only economic, but also social city programs. The main activity of the institution is working with corporate clients, their services and lending. Financing of the Institute's activities is carried out to a greater extent through the contributions of individuals. Their volume is equal to 40.88% of the total assets. The majority shareholder of the Institute is the Administration of the municipal formation of Krasnodar. According to the bank's clients, a limited list of services, without specific products and offers, fully meets the needs of the population. Deposits and loans are provided with favorable interest rates. Money transfers and payments are not accompanied by large commissions. The list of bank cards allows to satisfy all the needs of the client base.

Approach to corporate clients

"Kuban Universal Bank" has been operating in the financial market since 1994. For 21 years of work the number of corporate clients is only increasing. Initially, an independent credit and financial education was intended to address issues of the municipal level. Today, the services of the financial institution are used by municipal and commercial enterprises, trading companies and medium and small businesses, private individuals and non-profit public organizations. Most customers say that the bank with each service user very quickly builds productive and mutually beneficial relationships. Experts working for a long time in the banking sector, perfectly find an approach to everyone, as efficiently as possible solving actual problems.

Membership in government organizations

"Kuban Universal Bank" is a full-fledged participant of the Visa International system, is a member of the Association of Regional Banks and the Association of Russian Banks, is a member of the Deposit Insurance System. In 2010, the financial institution became a full member of the Guarantee Fund for the support of small business entities. Belonging to the state-level organizations, as well as numerous positive feedback on the partnership with the financial institution, indicate a high level of work and a good reputation.

Financial assistance to private clients

Financial institutions that operate in the regions and have a small network often enjoy great confidence. This financial institution (Krasnodar) is not an exception. "Kuban Universal Bank", having only two additional offices, copes well with its obligations. As the clients say, all financial transactions are performed within the scheduled time, no delays and delays. Small businesses are particularly pleased with the work of the financial institution, since any reporting and settlement operations are carried out quickly. In comparison with the giants of the financial market, Kuban Universal Bank, whose reviews are presented in a positive way, despite the small authorized capital (669,960,000 rubles), does not experience any difficulties with liquidity. Obligations to the population as carried out before the crisis of 2014, and are fulfilled today.

Attractive deposits and quality service

Many investors speak well of attractive deposit programs. Special attention is surrounded by new products:

• Deposit "Thaw". The deposit is valid for 200 days. The interest rate is 16%, which is an order of magnitude higher than many other financial institutions offer. Payment of accumulated profit is carried out at the end of the contract.
• Contribution of "Business people". The deposit period is 400 days. In the first 200 days of the partnership, a 14% interest will be added to the deposit, in the second half of the term the interest on the deposit will be 16%. Interest is paid at the end of each quarter with a capitalization.

It should also be said that with the onset of the crisis in Russia, at a time when the dollar began to grow at an incredibly fast pace, many bank customers began to withdraw their deposits in panic. Despite a rather large flow of applications, "Kuban Universal Bank" deposits on demand paid out everything. No delays. The work was carried out on schedule.

Remote maintenance

Like many financial institutions, the Krasnodar bank offers its customers the Internet banking service. Without leaving your home, you can use most of the available banking services through your personal account. Individuals note the convenience of payment for services, the benefits of cooperation with online stores and the advantages of making payments online. This saves time and money.

Support is provided around the clock. Entrepreneurs and businessmen respond positively to the possibility of paying taxes and fees, making payments with requisites. From the clients of the financial institution received information that the service from the end of February to early March worked intermittently. This caused not only inconvenience, but also indignation. On the other hand, the possible technical interruptions were reported on the bank's official website. At the moment, this problem is completely eliminated, and the service runs in full-function mode.

What do customers say about online banking?

After receiving the card in the bank, many customers have issued their own cabinets in the online system. According to many people, the functionality allows you to pay for utilities without any complications, replenish your account on the phone and pay off payments for landline phone and Internet.

Many are pleased with the service for making automatic payments, according to which, at the agreed time, funds are written off from the customer's account and redirected in the required direction. Moreover, one of the clients wrote a thanks for the fact that with the help of the service she was able to even pay for the lessons of the child in a music school.

Minor Complexities

Street Pushkin, 36 - is the address of the "Kuban universal bank." ATMs are located throughout Krasnodar, and there are 10 of them. Repeatedly recorded the indignation of customers, caused by the inability of ATMs. In detail, all claims were related to the device, which is located in the area of Red Square. Numerous reviews about the non-working condition of the equipment quickly attracted the attention of employees of the financial institution. As it turned out in the future, the problems were related to the security provider. Instant reaction to customer signals has quickly resolved the problem.

Big commission, or How to protect against losses?

"Kuban universal bank" (Krasnodar), whose addresses are very simple to find, like all financial institutions, charges a fee for withdrawing cash from ATMs that do not belong to the bank's structure and are not among the partners of the financial institution. The minimum commission is 100 rubles. This point is described in the partnership contracts, although in very small print. Some clients of the bank were unpleasantly surprised when, with the removal of 100 rubles, 200 of them were debited from the account. This situation caused considerable indignation and negativity. On the other hand, if you take care and use only partner ATMs of a financial institution, there will be no problems. CB "Kubansky Universal Bank" (LLC) offers its clients to withdraw their money from cards directly in the office, which completely excludes additional commissions. This, albeit uncomfortable, will help get rid of unplanned expenses. The Commission is one of the few negative moments that clients face and many people turn a blind eye to, as the other benefits of partnership can easily compensate for this moment.