"VUZ-Bank" (Tyumen): addresses, reviews

Today, the country's economy, and banking in particular, are going through hard times. Not only tough competition, but also state supervision make banks work in the "right" direction. But a simple potential client is not easier - he needs to make his choice in a huge variety of financial organizations.

From the 90's to the present

For many residents of the Ural region, the name "VUZ-Bank" is known not by hearsay. Back in 1991, several universities in Yekaterinburg, including SINH (Sverdlovsk Institute of National Economy), credit organizations and enterprises participated in the organization "VUZ-Bank." Initially, the bank, in addition to the standard servicing of enterprises, engaged in lending to special programs of universities in the Urals Federal District. After 12 years, the controlling interest in the bank became fully owned by the financial group Life. "VUZ-Bank" (Ekaterinburg, Tyumen and some other cities of the Urals) began to provide various services to individuals and corporate clients. A separate niche was occupied by small and medium-sized businesses.

The modern "VUZ-Bank" operates under the management of the "Ural Bank for Reconstruction and Development".

License

Recently, many banks have faced the issue of termination of activities in connection with bankruptcy. In this regard, often such rumors began spreading about banks, which in fact do not have anything to do with this situation. This problem was not ignored by the VUZ-Bank. His license (1557), issued by the Central Bank of Russia, is in force. In 2015, when a license was withdrawn from the head bank (Probusinessbank) of the Life Group financial group, many customers were concerned that a similar fate awaits the VUZ-Bank. Tyumen was worried no less than other cities. But the credit organization managed to be saved by sanation. The Agency for Insurance and Deposits of several applications of credit and financial organizations has chosen the "Ural Bank for Reconstruction and Development" as a sanator.

Basic services for individuals

"VUZ-Bank" provides a wide range of standard banking services for private clients. This is credit and deposits, credit and debit cards, various payments (utility bills, fees, fines, etc.) and the possibility of transfers without opening an account, a mobile bank and a call center.

But apart from all this list of services there are individual additional options. So, the photographic payment service allows you to quickly pay a paper bill without entering details. A "Life Wallet" is an opportunity to make payments directly from home, by analogy with the service "Yandex.Money".

"VUZ-Bank" (Tyumen, Surgut, Nizhnevartovsk and all other cities of the bank's presence) offers insurance services: protection of life, health (including abroad), homes, etc.

Basic services for legal entities provided by "VUZ-Bank"

Tyumen, though not a city with the largest number of offices, but this does not lose its importance and offers a wide range of banking services to various organizations. In addition to cash and settlement services, loans and overdrafts, deposits and bank guarantees, small and medium-sized businesses in the Urals region can use the salary project and corporate card, connect trade or mobile acquiring.

In addition, if desired, a legal entity can join the Club Business and receive additional service options. The club will help you to get new business contacts and get advice from specialists in the field of HR, law and taxation.

Depending on the scope of activity, organizations can offer an individual scheme of work. For start-ups this is one set of services, for trading companies - another, for manufacturers - the third.

Loans from the University-Bank

The most popular type for a long time is the consumer loan "Narodny". The amount can be issued from 5 thousand to 1 million in rubles for a period of up to 7 years with the possibility of early repayment. The borrower's age must be at least 20 and not more than 80 years. Up to 200 thousand rubles it is possible to obtain a loan in only two documents. Such conditions are offered to private clients by "VUZ-Bank". You can apply for a loan by applying by phone, online or in person at the bank branch.

A special offer is for pensioners with a maximum amount of 600 thousand rubles. Thus for calculation of the sum all incomes of a family are considered.

For business, "VUZ-Bank" offers express loans for up to 5 years. The maximum amount is calculated individually, but can not exceed 5 million rubles.

In addition to a standard loan, an organization can use an overdraft facility - short-term crediting of a current account to 2 million rubles. Refunds are made by automatically writing off the amounts from the customer's account. If the loan amount is less than 0.5 million rubles, a pledge is not required.

"VUZ-Bank": contributions

For private clients, VUZ-Bank offers three main types of deposits:

• "Convenient" - with a long term (4 years) and capitalization of interest.
• "Accumulative" - with the possibility of replenishment and the maximum interest rate (9.5%).
• "Mobile" - with the possibility of a partial withdrawal of funds without loss of interest and a minimum initial amount - from 1000 rubles.

All deposits provide for the placement of funds in rubles, and in euros and dollars.

Also, the bank developed a package proposal consisting of one type of deposit, SMS-information (about interest accrual, write-offs on deposits, etc.), issue of a certificate of account availability and non-cash payments (in the amount of 12 pcs.).

Organizations can issue a deposit in the "Higher Education Institution-Bank" for the amount of 100 thousand rubles. For a period of 1.5 years with a rate of up to 1.4%.

Participation of "VUZ-Bank" in the social life of the region

Of course, the bank is not a charitable organization, but nevertheless takes part in the social life of its region. "VUZ-Bank" (Ekaterinburg) with one of the universities has developed a certain program of education. It became complementary to the main one. The training was directed to personal financial consulting. Everything happened directly in the office of the bank, and the practical part of the students was helped to master the specialists of VUZ-Bank.

Reviews

Reviews about the bank can be heard from friends or gleaned in the vastness of various resources. Of course, it is difficult to make a clear and correct opinion on someone's discontent (perhaps, not entirely justified) or, on the contrary, admiration, until he himself faced a specific situation.

About "VUZ-Bank" all the reviews can be roughly divided opinions of the time when the bank was part of the FY "Life", and after the collapse of the group. If we talk about legal entities, then, judging by the reviews, most of the bank arranged before the reorganization. For 2016 reviews of organizations have become more often negative. Some complain about the poor performance of the Internet bank, others complain about the inadequate servicing of corporate cards. Perhaps such problems are due to the fact that the programs have not yet been completely redone for a new job.

There are still some problems about which the feedback about the VUZ-Bank speaks. The phone often does not answer, the percentages are very high, they did not explain anything, etc. These comments are referred to by the time the bank was related to FY Life. The explanation of such reviews is also quite easy to find - often the client himself did not understand something or got into the rush hour (so he did not get through).

Of course, there is a lot of positive feedback. Attitudes towards clients as relatives, competent counseling, quick approval of a loan - such responses can be found in large numbers not only on the Internet, but also personally from your friends.

Contacts

Banks that comply with the norms of legislation continue to work and develop. Someone even increases the number of their offices. The "VUZ-Bank" does not lag behind the rest. The addresses of his offices can be easily found on the bank's website and simply on the Internet. The branches are located in big and small cities of Sverdlovsk, Tyumen, Chelyabinsk regions, KhMAO. In some localities there are several branches.

For example, "VUZ-Bank" (Tyumen) serves legal entities in the office "Tyumen" on the street. Herzen (d. 86a). Individuals - in the same office and on the street. Permyakova (d. 50b) in the "Sunny". But most of all there are branches in Yekaterinburg, there are 10 of them. Work with clients continues mostly until 19:00, but there are branches working until later in the day - until nine in the evening (in City Center shopping center on Lenin Avenue) . The bank has a 24-hour call center, in each of the 29 cities of presence there is a telephone number.

Whoever owns the VUZ-Bank, as its 25-year history shows, it continues to work properly, helping private and corporate clients develop and achieve their goal.