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BInBank

2016-06-16

How did the bank develop .

..BinBank started its activities two decades ago. All this time the company has been steadily developing, attracting more and more new banks.

In autumn 2008, the Bank became part of Bashinvestbank, which in the winter of 2013 became a branch of BinBank. A year later, the company acquired Moscomprivatbank (at that time it was the leader in the credit card market).

Binbank management has developed a strategy aimed at expanding its retail business. To implement this idea, a deal was made with the former owners of Moscomprivatbank (the Banking Supervision Committee of the Bank of the Russian Federation gave permission to carry out this operation). From that moment on, Moscomprivatbank was given the name "Binbank Credit Cards": a new direction in the companys activity was developing - issuing credit cards.

 

The geography of the company is expanding

In 2014, Asokerco Trading Limited (its beneficial owner is M. Shishkhanov, the holder of a large block of shares in Binbank) buys DNB Bank in Murmansk. In the same year, transactions were made to acquire five more financial institutions of the Rost banking network. The situation of these enterprises was difficult, and BinBank took up their "recovery".

Later, the company acquired several more banks: Yekaterinburg Uralprivatbank; GC Europlan (this company was the leader in the field of car leasing), Carcade (the company was a federal leasing operator), as well as a controlling stake in MDM Bank.

Today BinBank is one of the largest universal banks. It occupies a large part of the banking market in Russia and consistently holds a leading position, being one of the thirty major credit institutions in the Russian Federation.

Bank clients:

individuals;
small and medium-sized businesses;
large corporate clients.
The companys branches are located in more than 100 cities of the country. The banks management continues to work to expand its geographical presence.

BinBank products

BinBank offers its clients a wide range of products:

lending services (long-term, short-term lending to projects, loans for the purchase of goods and payment for services, etc.);
leasing;
deposits with interest accrual;
provision of settlement and cash services;
servicing clients involved in foreign economic activity (paperwork, currency transfers, financing of foreign trade operations);
remote service (Internet and SMS banking);
execution of transactions with letters of credit in national currency;
salary projects;
insurance.

Remote service: iBank2
BinBank offers clients who value their time to use the multifunctional and convenient iBank2 service. With its help, you can control the state of the bank account, carry out financial transactions. The latest electronic technologies with a coding system are incorporated into the work of Internet banking.

What opportunities does iBank2 open to users?
First of all, with its help, you can get access to personal bank accounts from anywhere in the world (the main condition is a good Internet connection). Users regularly receive information about the state of the account: when performing any operation (for example, crediting or withdrawing funds), the client receives a notification.

The interface is easy to use. Developers offer templates with which documents are drawn up quickly: just select the required field from the pop-up lists, following the instructions, fill out the document and send it to the bank. iBank2 is directly related to the bank: all issues can be resolved through the Internet banking service.

Another plus of iBank2 - all transactions and payment documents are concentrated in one place: a client can easily find the document he needs without leaving his office.

IBank2 advantages:

safety;
simplicity;
availability.
the ability to use for bitcoin exchanges.
To connect to the iBank2 Internet banking system, a client needs to order one of the packages:

"Basic" - assumes connection to iBank2 + transfer of single-use passwords using SMS;
“Complete” - connection to iBank2 + protection of electronic signature + transfer of single-use passwords by SMS.

Mobile acquiring
For the comfort of its clients, BinBank specialists have launched an acquiring service, which can be used to make non-cash payments using MasterCard or Visa cards through the mPOS mobile terminal. You can pay for purchases and services from anywhere in the world.

By installing the 2can - mPos application on your tablet computer or smartphone, you can synchronize the work of mobile terminals. To make a payment, you need to insert a bank card into the terminals card reader and sign right on the screen of your mobile phone. A receipt will be sent to your email address.

Another feature of BinBanks mobile acquiring is that it can be synchronized with a mobile cash register by connecting it to a fiscal printer for printing receipts.

In their personal online account, users receive notifications about trading operations that were performed using the application.

 

Electronic signature protection
BinBank provides another type of service that adds comfort to users. It is a USB token designed to protect electronic signatures. The USB token generates a secret password that no one can ever read. Electronic signature is generated on a SIM-card, which is embedded in a USB-token. This system maximally protects the money stored in the bank account from intruders.

USB token is a paid service. Its cost is 1,500 rubles. To activate the service, you need to do the following:

fill out the acceptance and delivery certificate (you can download it on the official website of the bank) and transfer it to the companys employees;
register ES passwords on your work computer;
submit to the BinBank branch a certificate allowing verification of e-signature passwords.


Forex trading
Using the services of BinBank, you can exchange, for example, rubles for foreign currency and vice versa. Customers can purchase US dollars, euros, Swiss francs, pounds sterling, Chinese yuan.

You can make the conversion profitably with a loyal customer card. BinBank offers two such cards:

STANDARD CARD - exchanging cash in the amount of $ 5,000 or more, the cardholder receives a discount of 5 kopecks for every dollar.
STANDARD CARD - when exchanging cash in the amount of $ 50,000, the cardholder receives a discount of 10 kopecks for every dollar.
To get such a discount card, you need to take several steps.

Action 1. Exchange more than $ 5,000 in cash in one of the Binbank branches.

Step 2. Ask the cashier for the form of the card recipients questionnaire (the questionnaire can also be downloaded on the banks official website) and fill it out.

Action 3. Exchange the questionnaire for a discount card.

Bank customers can also exchange funds from their accounts for cryptocurrency. To do this, you need to use special exchange services: BinBank is on the lists of the most popular currency exchanges.

Lending services
BinBank offers its clients a wide range of lending services. Individuals and legal entities, representatives of large and small businesses can get loans here.

Requirements for the identity of the borrower:

The borrower must be a citizen of Russia, whose age corresponds to the range of 21-65 years (amounts over 500,000 rubles are issued to persons over 25 years old).
Loans are issued to people who have a permanent place of work (experience of at least 4 months, and if the loan amount is 1 million rubles or more, then the experience must be at least a year).
The borrower must have a good credit history.
To start applying for a loan, you must submit an application. This can be done at a bank branch or on the compans website. The credit commission will review the application and communicate its decision.

You can repay the loan through self-service terminals (both in cash and with a plastic card), in the offices of BinBank, through iBank2 or in branches of any other banking networks.

Types of loans:

lending to state employees, as well as bank partners;
payroll loans;
loans for new clients;
refinancing of loans received from third-party financial structures;
credit restructuring;
collateral-based lending;
mortgage loans.
BinBank provides its clients with the opportunity to find out about their credit history and receive information about the timing of a loan, view the schedule of their repayment, find out whether there have been delays and current debt.

You need to know your credit history in order to understand why, for example, a loan was refused. In addition, a person can see if he has become a victim of malefactors who, using his data, issued a loan in his name. Errors in paying debts can also occur due to human factors or server failure.

 

Securing loan commitments
To secure their credit obligations, the borrower must provide guarantees. This can be a pledge (securities, movable and immovable property, material assets, property rights, etc.), a security deposit or a surety.

 

The opportunity to earn on interest
In BinBank you can very profitably invest your funds. The company offers several types of deposits.

"Maximum interest". The deposited funds generate the maximum return. The client can decide on the term of the deposit independently.
"Income monthly". Thanks to this deposit, the depositor can feel like a rentier (a person who lives on income). Interest is calculated monthly and credited to a separate account. If you wish, you can issue a monthly capitalization. There is an opportunity to replenish the deposit, while the interest rate will increase. You can close the deposit at any time.
"Fixed balances". You can replenish the deposit and withdraw the required amount from it at any convenient time. Interest is calculated monthly.
"Money box". The deposit can be replenished as soon as temporarily free money appears. This can be done both in cash and with the help of non-cash transfers. Interest is charged on the balance on a monthly basis (6.5% per annum). You can withdraw any amount at any time.
"Multicurrency deposit". Clients can invest money simultaneously in several types of currencies (rubles, US dollars, euros), while regularly converting funds (no conversion fee is charged). Interest is not the only source of income. The depositor can also make money on fluctuations in the exchange rate.
"Contributions to the Future". Deposit insurance allows you to feel confident in the future. The deposit rate is 12% per annum. This contribution allows you to insure life and health and save money for the implementation of long-term plans.
"Pension". To apply for this deposit, it is necessary to write a statement in the Pension Fund stating that the pension is transferred to an account in BinBank. Interest is accrued on the balance, the Decent Pension deposit is automatically replenished.

Plastic cards
Binbakn issues several types of plastic cards. These are credit, income, salary, pension cards. With their help, you can make purchases, pay for services and save money.

Interest is charged on the balance of income cards. The cards are linked to the VISA, MASTERCARD payment systems. By paying for purchases with a card, the client receives bonuses. No commission fee is charged for intra-bank transfers.