System for Analysis of the Financial Condition of Russian Banks.

Reviews about Promsvyazbank bank

Visitors to our website wrote 6 reviews about Promsvyazbank.

Review date January 15, 2021 Shyganov Mikhail (Nizhny Novgorod)

wrote:

Lack of competence of employees; length of time it takes to complete documents; Very long time to complete and verify documents when making changes to the constituent documents. There are a lot of mistakes made by the bank manager when accepting documents. Three times I had to come to the bank to re-sign this or that document, which was not correctly executed by the bank manager. From December 28, 2021 to January 15, they were never issued and were not given access to the Internet bank. As a result, we cannot make any payments, neither taxes nor salaries, nor make payments to suppliers. Although we have provided the entire package of documents. I have never encountered such red tape and lack of competence among bank employees in any other bank.

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Review date November 10, 2021 Vladimir (Syktyvkar) wrote:

Syktyvkar. I ordered a pensioner card. Processed quickly, without delays. The bank employees are friendly and responsive. I am very pleased with my visit to the bank.

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Review date October 16, 2021 Anonymous (Orenburg) wrote:

Very bad service I was in your bank! one disappointment! the staff are rude!! I called the boss no! I don’t recommend specifically Orenburg, 70 let VLKSM street 10/1. like shouting and rudeness at the market

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Review date November 22, 2021 Anonymous (Moscow)

wrote:

I opened a debit card with cashback - I’m very happy with it, since I’m a salary client

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Review date November 14, 2021 Tatyana R. (St. Petersburg) wrote:

We got a loan for state employees very quickly, and now there are no problems with payments. It’s easy to reach the office if you have questions.

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Review date May 02, 2021 Nakhmatov (Makhachkala) wrote:

Very bad service.

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Promsvyazbank

Promsvyazbank is one of the twenty largest banks in the Russian Federation and ranks 433rd in the world in terms of equity capital, and has a general license from the Bank of Russia.

OJSC Promsvyazbank (TIN 7744000912) was founded in 1995. The main shareholder of the bank is (88.3%), equally owned by the Ananyev brothers, Alexey and Dmitry, who, according to Forbes, were recognized as the richest people in Russia in 2010 and 2011, respectively. 11.75% of shares belong to the European Bank for Reconstruction and Development.

Types of consumer loans:

“For public sector employees and civil servants”: without collateral

*individually (depending on creditworthiness)

**personal insurance

Requirements for the borrower:

Client: employee of a budgetary institution or government agency.

Citizenship: Russian Federation.

Age: from 23 to 65 years (at the time of loan repayment).

Registration: permanent on the territory of the Russian Federation.

Experience: from 4 months. last place of work and a total of at least 1 year.

The borrower must live or work in the region where the bank operates.

It is possible to attract a co-borrower, as well as use (see below).

Passport, copy of work. books, income certificate for 6 months. (2-NDFL, according to the bank’s form, according to the employer’s form, or an extract from a salary account in another bank). As confirmation additional. income may be provided next. document: employment contract, certificate of income for 6 months, pension certificate and certificate of pension amount.

The service allows you to defer 2 monthly payments, while the loan term will be increased by the number of days of deferment. It is possible to defer payment of only the entire payment or only the principal debt (in this case, accrued interest must be paid monthly). The cost of the service is 15% of the monthly payment amount (min. 2000 rubles).

Provides the opportunity to obtain information about the status of accounts, pay utility bills, fines, communications and other services, open and maintain deposit accounts from anywhere in the world, provided you have a computer with Internet access.

The procedure for applying for, receiving and repaying a loan:

An application for a loan is completed at a branch or on the bank’s website. After submitting documents and conducting an inspection, if the decision is positive, the loan amount is credited to the client’s current account after the conclusion of the agreement.

Loans are repaid in equal monthly payments according to with a schedule. To pay for the loan, you must transfer the required amount to your current account in any convenient way: through bank branches and ATMs, a mobile application, Internet banking, or by transfer from another bank.

Full or partial early repayment without commission is possible.

In the event of a delay, a penalty in the amount of 0.3% of the amount of the overdue debt is charged on the amount of the overdue debt for each day of delay.

Advantages of settlement and cash services at Promsvyazbank

Cash settlement services at Promsvyazbank are relatively inexpensive for businesses:

• The most expensive package costs 3,500 rubles per month. Plus there are 10%-40% discounts when paying for 3, 6 or 12 months at once.
• Each tariff has a package of free interbank payments and its own limit on transfers to individuals.
• Intra-bank and tax (budget) payments are made without commission.
• Deposits are almost always interest-free, and withdrawals start from 1.5%, taking into account the amount of funds.
• Servicing corporate (business) cards is approximately 200-300 rubles/year.
• Banks have quite a lot of service offices, and you can secure a nearby one. In this case, you can connect the account in your office: a representative of the organization will come with all the papers to the specified address.

The account is reserved immediately (an individual number is issued to which counterparties can transfer funds), and the business card is active from the very first day. And to solve financial problems (when there are not enough funds to make a payment), an overdraft (credit) is provided. Beginning entrepreneurs will be helped free of charge to register an individual entrepreneur/LLC without a visit to the Federal Tax Service, the MFC or a branch of the institution itself. In general, at first glance everything looks quite attractive.

Top 10 Banks in Russia - Bank Rating 2021

Bank rating

How to open a settlement account in PSB

An application for opening a bank account is made through the website psbank.ru. We indicate the phone number, agree to the personal data processing policy and receive a notification that they will call us back. It's simple.

When a bank representative contacts you, he will ask additional questions, clarify the required package of documents and agree on a meeting time. You will receive a notification with the number of the reserved account, to which, as we mentioned above, you can already transfer funds (withdrawal will become available only after connecting to the tariff). And upon arrival, the specialist will bring contracts and individual conditions for signing, as well as a business card for cash transactions.

Conditions for opening a cash register account at psbank.ru

To open a current account in a bank, it is necessary that the organization/individual entrepreneur and the persons managing it/it be registered in the territory of the Russian Federation and in the region where they will be served. Promsvyazbank assigns a specific branch to the client (subsequently it can be changed unilaterally). The bank does not establish any other requirements for the applicant’s activities (except for the obvious, such as adulthood and legal capacity).

For whom is it provided?

Promsvyazbank RCO is provided to individual entrepreneurs, legal entities (LEs) and individuals engaged in private practice who have provided a certain package of documents. For private practitioners this is:

• Certificates of registration and tax registration.
• Identity card of the practitioner himself and his authorized representatives.
• Information about business reputation (reviews).
• Powers of attorney (agreements) granting the right to open bank accounts and dispose of them by other persons (representatives).

For individual entrepreneurs, everything is the same, plus an application to establish combinations of handwritten signatures of persons vested with the appropriate right (required for subsequent certification of payment orders), as well as a USRIP entry sheet, if less than 30 calendar days have passed since the registration of the individual entrepreneur or information about the individual entrepreneur is not available to the bank managed to get it.

Legal entities (organizations):

• Charter and constituent documents (including protocol/decision on the appointment of the sole executive body).
• Identity cards of all authorized persons of the organization.
• Orders (powers of attorney) granting the right to open a bank account and dispose of them.
• Information about business reputation (reviews).
• Licenses (upon request of the bank).
• Extracts from the register of shareholders (at the bank's request).
• Unified State Register of Legal Entities entry sheet, if no more than 30 calendar days have passed since the registration of the legal entity.
• Application for establishing combinations of handwritten signatures of persons entitled to the right.

To help, Promsvyazbank offers a service assistant that allows you to prepare papers in an online format, rather than bringing originals or preparing notarized copies.

Promsvyazbank - Latest reviews and comments

I used the services of this bank for the first time and regretted it. This bank is a scammer who enters into contracts on one set of terms, but in the end they rob you and call themselves an intermediary who is not responsible for anything. I warn you! Don't put your hard-earned money there. Avoid him!

Pasyutina Tamara Stepanovna February 18, 2021 Reply

They pocketed 5,000 rubles! I put money on the card, the ATM chewed up the 5000 bill and didn’t count it. The bank considered the application for three weeks, after which it said that it did not find any extra money in the ATM!

Nataliya Migunova Apr 18, 2021 Reply

I would like to share a very unsuccessful experience of working with the fraudulent Promsvyazbank bank in Tambov. We opened an account for a legal entity. The manager said that you can open an account only with one tariff “Pay less”, other tariffs are not available when opening an account. According to a bank employee, it’s simply an ideal option for small businesses. Everything is free and accessible. The only limitation is that in the first three months after opening the account, the turnover should not exceed 3 million rubles. They politely and clearly explained that there are no hidden fees or additional payments. Confident in the integrity of the bank’s employees, we agreed to this miracle program. As it turned out, in vain! What's the catch? Yes, the fact is that the bank employee deceived us when he said that no additional commissions would be charged. The account was opened in November, and in March we decided to purchase a car for the organization. The car cost about 3 million rubles. We bought a car and were happy. True, not for long. Or rather, until we saw that 450,000 rubles of commission were written off from our account for “Exceeding the volume of transactions by 3 million rubles.” per month.". They thought it was some kind of mistake, because in February I came to the bank to change the tariff so that there would be no restrictions on the volume of payments from the account. But the bank employee explained to me that the limit of 3 million rubles is only valid for the first 3 months, and we no longer have it, since three months have passed. There is no need to change the tariff! Now it turns out that all this was a lie, the commission for overdrawing the account remains the same at all times and is charged at the rate of 15% percent!!! A fellow sufferer, the director of a confectionery company, who was also robbed by PSB, said that accounts are opened only with this tariff specifically, in order to catch one of the clients with excess turnover and improve the performance of the branch. In fact, the bank misled us when they said that the restrictions would be lifted in three months. They took the employees at their word and paid very dearly for it. To all claims and attempts to return money, they simply answer: “I should have read the small text. We didn’t tell you anything like that and couldn’t tell you. You don’t have a recording of the conversation and you can’t prove anything. There’s no time to talk to you!” Now the bank employees refuse to accept our claim, ignore it, refuse to talk. The manager refused to meet with me. This is such a “funny” story. We can say that we won’t just leave it like that, because this is pure deception and robbery. Such a condition is enslaving and is a deliberate deception of clients in order to seize their funds. We will definitely try to get our money back through the courts. And we consider it our duty to tell the largest circle of people the truth about this bank and warn entrepreneurs about its meanness. We can confirm the stated facts with documents, attaching evidence of the organization, payments, statements, etc. I hope that the bank employees will see my message and contact me.

guest Apr 17, 2021 Reply

I worked for 4 months with a current account at Promsvyazbank. For no reason, without any warning, they imposed restrictions on movements on the current account. This coincided not even on the day, but at the hour of transferring money to me for the intermediary services performed. Draw your own conclusions. I think there are special people sitting there who analyze when it is better for a client to impose restrictions on his account! No one explains anything at the bank office, I had to borrow money and pay off the borrowed money from these unfortunate shareholders. I submitted my taxes on time, there is no debt was not before any authority. Today I wrote an application to close the current account, I’m waiting for the money to be transferred to another account. My first education is journalism. I think it’s possible to fight this lawlessness through connections there. The amount left in the account is not great, I don’t know what to do They’ll have enough of their inventions. I’ll post the information on all resources. Perhaps the case will go to court, I’ll have to pay a penalty for each day of my losses.

Yurii Feb 10, 2021 Reply

Promsvyazbank Refuses to close the current account, withholds money, withdraws money from the account for fictitious needs. Refuses to close the current account, withholds money, withdraws money from the account for fictitious needs. For a long time, Promsvyazbank in the city of Samara refuses to close the current account, phone number of a bank employee..., citing the fact that they lack some documents, I provided everything I could, but every time the bank has new requirements, on the current account of my company There are large funds that the bank holds illegally, and writes off every day for fictitious needs, for which no one has yet provided an explanation. Having informed the bank that it had accepted the application and was obliged to transfer the money within 7 days, where I provided the details, to which the bank employees first responded in chorus that they did not have the right to do this, after which they could not transfer to individual entrepreneur accounts , having presented them with an account statement that I had previously transferred to these details, the bank employees began to think, and then new stories began, then they needed constituent documents, then an extract with a blue seal, in general, every time we brought them the required document, they remembered, that they forgot about another document, and that without it the transfer of money is not possible. In general, I do not recommend that you open an account with this bank, or even use this bank in general, since the account has not been open for even a week, there are huge commissions for everything, the bank employees shout at you and swear, moreover, they are almost ready to throw you out of the bank. And you will only take the money through the court after 2 months, and the bank will use your money for free!

fedormorozov87 Dec 13, 2021 Reply

An excellent bank for all categories of the population. My parents, pensioners, who are far from the banking system, easily use all the options without physically visiting the bank. For me, convenience and simplicity were the deciding factors in my choice. The pension is transferred to the pension card, payments for the apartment are written off automatically... this is good because... in old age such vanity becomes a burden. Another point is free annual maintenance and a 5% savings system.

olegbelov Jan 20, 2021 Reply

A bank branch has recently opened in Naberezhnye Chelny. We applied for an overdraft from the organization. First, the organization was checked for legal purity for a week by the security department. After approval, we tried to open a current account there. Operators took a long time to understand the constituent documents and did not know what to copy and what not. A copy of each page with their certification is 30 rubles. Since some information about the company changed, we had quite a lot of documents, including 2 charters. The girl who opens the accounts asked for copies of all the documents we had. In general, the staff is illiterate, all checks take weeks. So we didn’t discover anything there))

Olga Sep 20, 2021 Reply

I wanted to take out a loan from Promsvyazbank. My application was approved, I came to fill out the documents and then I discovered that the loan was approved only when taking out insurance, and without it there can be no talk of a loan, because the contract says that I will not be able to refuse it in the future and even with early When repaying the loan, you will have to pay the full cost of the insurance. At the same time, formally insurance is voluntary, but without it the bank will not issue a loan. So think about whether the loan offered by the bank is as cheap as they try to make it out to be.

Leonid Sep 8, 2021 Reply

Disgusting bank! A month ago, the ATM malfunctioned - it did not dispense money, but the debit went through. At first they refused to accept the application, they told me to call back in 10 days, the money was no longer available, but the operation in the system was not completed. After 10 days, the application was accepted and they said that they would consider it within 30 days. After 2 weeks I called to find out if the ATM had been collected and at what stage of the work my application was. They answered: the system only noted that the review is until 08/31/16. Neither the client nor the hotline operator can contact the claims department - these are some kind of ghouls who have locked themselves in a bunker and do not communicate with anyone, while very dosedly they give out information about the status of the claim (specifically the deadline for consideration of the application). You don’t even have to check your personal account until the 31st - nothing will be returned to you before that! I worked with this bank and from the groans of the legal entity - the companies are not assigned to managers, it is impossible to get through by phone, they simply do not answer the phone, the lending limits for legal entities were cut, the rates were raised back in 2014 and were reduced very reluctantly.

Rita.Iskandarova Aug 20, 2021 Reply

I have been served by the bank since 2004 and have an excellent credit history. sold the business in 2014 and converted the money due to the crisis. straight to the PSB about put them in the PSB cell on January 11 the safe deposit box was robbed The bank is spinning like a snake to compensate for the losses and does not want to resort to all sorts of tricks. be careful, don’t trust this bank (they opened 164 safes in 8 minutes without keys) that’s all the reliability is for you.

m3960 Jul 10, 2021 Reply All reviews and comments

Rates

Promsvyazbank offers 6 main programs for servicing current accounts:

• “Business Start” - with a zero subscription fee, free Internet banking, a package of 3 free interbank payments (hereinafter - 100 rubles for 1 payment) and a limit on transfers to individuals with a zero commission of 150 thousand rubles.
• “Pay less” - with a zero subscription fee, Internet banking for 99 rubles/month, a package of 5 free interbank payments and a limit on transfers to individuals with a zero commission of 100 thousand rubles.
• “Business 24x7” - with a monthly subscription fee of 1990 rubles, free Internet banking, a package of 15 free interbank payments and a limit on transfers to individuals with a zero commission of 100 thousand rubles.
• “Business Light” - with a monthly subscription fee of 1,200 rubles, free Internet banking, a package of 10 free interbank payments and a limit on transfers to individuals with a zero commission of 100 thousand rubles.
• “Business Drive” - with a monthly subscription fee of 3,500 rubles, free Internet banking, a package of 50 free interbank payments and a limit on transfers to individuals with a zero commission of 100 thousand rubles.
• “My Business” - with a monthly subscription fee of 2100 rubles, free Internet banking, a package of 15 free interbank payments and a limit on transfers to individuals with a zero commission of 100 thousand rubles.

Opening an account

Accounts of the “Business Start”, “Pay Less” and “My Business” types are opened at Promsvyazbank for free, you spend money only on subsequent maintenance and account transactions. To open others you will have to pay:

• “Business Light” - 590 rub.
• “Business 24x7” - 890 rub.
• “Business Drive” - 890 rub.

Service

In addition to the opening (in some cases) of a subscription fee according to tariffs (programs), the following additional services are paid:

• Recalculation of funds when they are credited to an account through a cash desk - from 0.1 to 0.3% depending on the type of account and amount, but not less than 100 rubles.
• Cash exchange 2-3%, but not less than 100 rubles.
• Servicing a business card costs 200-300 rubles annually, depending on the category (type).
• Currency control – 1.5% (minimum RUB 7,500) for contracts in euros and dollars, 0.15% for all others (within RUB 750-70,000).
• USB electronic signature key for working with online banking – RUB 1,500.
• Access to the online service for checking counterparties – 260 rubles/month.
• Paper certificates - from 100 to 3000 rubles. depending on the paper.

Cash withdrawal

Cash issuance at the bank's cash desk also comes with a commission:

• Fixed 0.5% (minimum 150 rubles) for salary payments.
• From 1.5 to 11% - from the accounts of legal entities and individual entrepreneurs for other needs.
• If there is a question of urgency, the commission is different: 0.8% (minimum 150 rubles) in the case of wages and from 2.5 to 6% depending on the program and the amount for other needs.

For a business card, the percentage ranges from 1.5 (for a turnover of less than 500 thousand rubles per month) to 3 (for a turnover of over 500,000). For new clients (registered for no more than 3 months at the time of using the card), the bank tightens the conditions: the penalty is already 5%.

Connection

Connecting an account is paid according to the tariffs stated above in the “Opening an account” section of this review.

Payments

Promsvyazbank does not charge fees for paying tax, customs and intrabank payments. In other cases, the terms of the package (program) apply:

• “Business Start” - 3 payments per month free of charge, then 100 rubles. for a payment order.
• “Pay less” - 5 payments per month for free, then 100 rubles. for a payment order.
• “Business Light” - 10 payments per month for free, then 100 rubles. for a payment order.
• “Business 24x7” - 15 payments per month for free, then 49 rubles. for a payment order.
• “Business Drive” - 50 payments per month free of charge, then 30 rubles. for a payment order.
• “My business” - 10 payments per month for free, then 100 rubles. for a payment order.

For urgency, you will pay an additional 200 rubles to the bank. for each document.

Cash

If you deposit cash through a cash register, then in most cases this procedure will not require additional costs from you. Exception: “Business Start” tariff, where for an amount over 300,000 rubles. 1% is taken. In the case of an ATM (if you have a Promsvyazbank business card), the commission is present only when depositing through partner ATMs and, in addition to charges from third parties, amounts to 0.5% of the amount.

Transfers to individuals

Transfers of salaries to individuals through a bank are subject to interest taking into account the service program and the transfer amount:

• “Business Start” - 0% up to 150,000 rubles, 1.5% (minimum 100 rubles) from 150 to 500 thousand, 5% (minimum 100 rubles) from 500 thousand to a million, 10% (minimum 1000 rubles) from 1,000,000 rub.
• “Pay less” - 0% up to 100,000 rubles, 1.5% (minimum 100 rubles) from 100 to 500 thousand, 5% (minimum 100 rubles) from 500 thousand to a million, 10% (minimum 1000 rubles) from 1,000,000 rub.
• “Business Light” , “Business 24 x 7”, “Business Drive” and “My Business” - 0% up to 100,000 rubles, 1% (minimum 100 rubles) from 100 to 500 thousand, 3% (minimum 100 rubles .) from 500 thousand to 2 million, 5% (minimum 100 rubles) from 2 to 5 million, 10% (minimum 1000 rubles) from 5,000,000 rubles.

For urgency, an additional 400-450 rubles are paid for each order.

Internet banking, mobile application

To manage accounts from mobile devices, the “PSB My Business” application is provided - supports Android OS 4.4 or higher and iOS later than 10.0. Main functions:

• Ruble payment orders.
• Signature with an electronic digital key.
• Templates and adjustments.
• Extracts and search for documents by filters.
• View and export reports.
• Analysis of funds movements.
• Personal manager.

Owners of smartphones and tablets rated the software 4.6 out of 5, noting its functionality and performance.

Bank reliability rating 2021 according to the Central Bank

(based on regulatory capital)

In reports about the revocation of licenses from banks, it is often indicated that the Central Bank of the Russian Federation punished the financial institution for the loss of capital. And, accordingly, this indicator can be considered one of the important criteria for assessing the reliability of banks.

The Central Bank uses certain methods to calculate the so-called “regulatory” capital of each bank. It is necessary to cover the negative consequences of various risks that banks take on in the course of their activities, as well as to ensure the protection of deposits, financial stability and stable operations of organizations.

Today, regulatory capital is the main tool for regulating bank activities by supervisory authorities.

To assess the reliability of banks, the Central Bank of the Russian Federation introduced a special capital adequacy standard N1.0 . It shows whether the bank can cover possible financial losses with its own funds.

The value of the capital adequacy ratio (N1.0) must be at least 8%. If this “reliability standard” becomes very low for any bank, then the Central Bank of the Russian Federation can revoke its license.

?Where to find out the indicator values ​​for a specific bank

The values ​​of capital adequacy standards N1.0 of Russian banks can be viewed on the official website of the Central Bank of the Russian Federation in the 135th reporting form of credit institutions.

Top 100 banks by capital in 2021

Below is a rating of Russian banks by the amount of regulatory capital, which also shows the values ​​of the Capital Adequacy Standard N1.0 (data as of January 1, 2021). It can also be useful today to residents of Moscow, St. Petersburg and all of Russia who plan to open a deposit in any of the banks.

PJSC Sberbank of Russia

Regulatory capital - 4,741,066 million rubles.

Н1.0 — 14.76%

In first place in the ranking of the most reliable Russian banks today, of course, is Sberbank. This is the largest bank in Russia not only in terms of capital, but also in terms of assets, as well as the volume of deposits of individuals. See the conditions and interest rates of Sberbank deposits >>

VTB Bank (PJSC)

Regulatory capital - 1,680,427 million rubles.

Н1.0 — 11.54%

VTB is one of the largest and most reliable banks in Russia. In terms of capital volume, the size of assets and the amount of deposits of individuals, VTB is second only to Sberbank. See the conditions and interest rates of VTB deposits >>

Bank GPB (JSC)

Regulatory capital - 778,819 million rubles.

Н1.0 — 12.29%

Gazprombank is one of the safest banks in Russia for placing deposits. It was created to finance infrastructure projects in the oil and gas industry. Today Gazprombank offers clients a full range of banking products, including individual deposits.

JSC "ALFA-BANK"

Regulatory capital - 566,727 million rubles.

Н1.0 — 13.08%

Alfa-Bank is one of the largest private banks in Russia. International rating agencies traditionally assign high reliability ratings to Alfa-Bank. See the conditions and interest rates of Alfa-Bank deposits >>

JSC Rosselkhozbank

Regulatory capital - 522,273 million rubles.

Н1.0 — 14.41%

Rosselkhozbank was created to stimulate the development of agriculture in Russia. Today the bank offers a wide range of services not only for villagers. See the conditions and interest rates of Rosselkhozbank deposits >>

PJSC Bank "FC Otkritie"

Regulatory capital - 335,932 million rubles.

Н1.0 — 13.91%

Otkritie Financial Corporation Bank, founded in 1993, is the parent organization of the Otkritie FC banking group. See Otkritie Bank deposit rates >>

PJSC "CREDIT BANK OF MOSCOW"

Regulatory capital - 300,861 million rubles.

Н1.0 — 18.65%

PJSC "CREDIT BANK OF MOSCOW" has been operating in the Russian banking services market since 1992. Provides a full range of services for corporate clients and individuals. The bank's territorial network today includes more than 90 branches in Moscow and the Moscow region. ICD deposits >>

PJSC Promsvyazbank

Regulatory capital - 271,218 million rubles.

Н1.0 — 12.84%

Since 2021, it has been the reference bank for carrying out operations on state defense orders and large government contracts. See Promsvyazbank deposit rates >>

JSC UniCredit Bank

Regulatory capital - 208,661 million rubles.

Н1.0 — 18.89%

UniCredit Bank is a commercial bank operating in Russia since 1989. Today he is a representative of the European banking group UniCredit in Russia.

Reviews about cash settlement services in Promsvyazbank

Reviews about settlement and cash services at Promsvyazbank are contradictory. Some users criticize the institution’s service, talking about incompetence, managers’ failure to provide information about calculations, which subsequently causes clients to lose their funds, as well as the rudeness of individual employees.

Others, on the contrary, talk about the excellent service and sensitivity of the staff, the desire to meet the client halfway.

If there are reviews about cash settlement services at Promsvyazbank, we will definitely publish the information on social networks. Subscribe so you don't miss anything!

Regulation and licenses of PJSC Promsvyazbank

Before concluding an agreement with a bank, you should check whether it has a license to operate, competent support, and familiarize yourself with the official policies. Let's see how Promsvyazbank PJSC characterizes itself in this regard.

License and regulator

PJSC Promsvyazbank received a General License to carry out banking operations and a license to attract deposits and place precious metals from the Central Bank of Russia. The unified registration number (also known as license number) is 3251. Permits were issued on December 17, 2014 and are unlimited, however, if serious violations are identified during inspections, they can be revoked by the Central Bank of the Russian Federation. You can check their current status on the official website cbr.ru.

• Read Federal Law No. 395-I of December 2, 1990 “On Banks and Banking Activities” in the latest edition on the websites: consultant.ru, garant.ru;
• State Register of Credit Institutions (Check the status of the bank);
• Documents from the website psbank.ru: “Rules for comprehensive banking services” (valid from November 6, 2019) (view), “Rules for opening and servicing bank accounts of legal entities and individual entrepreneurs” (view), “Tariffs for cash settlement services for service program" dated 10.10.2019 (view), "List of documents for opening an account" (view).

Support

Client support of PJSC Promsvyazbank for business is available:

• By calling the federal hotline, Moscow office and branch numbers in specific regions (the list is presented on the organization’s website, in the “Offices and ATMs” section of the bottom menu).
• By email, you can send a direct letter through a postal agent or use the feedback form on the website psbank.ru.
• Through the VKontakte, Twitter, Facebook and Instagram communities (by message to the group manager or its administrator).

The official resource psbank.ru also provides contacts of the bank’s independent quality control service, which is responsible for reviewing claims and recommendations. And the opportunity to leave feedback directly on the site itself (all comments are moderated).

User agreement psbank.ru

The role of the document is fulfilled by the “Rules for opening and servicing bank accounts of legal entities, individual entrepreneurs and persons engaged in private practice in PJSC Promsvyazbank, within the framework of comprehensive banking services.” This is Appendix No. 2 of the “Rules for Comprehensive Banking Services”. Let us examine several provisions of the document that seemed worth our attention.

Your orders to make transfers are accepted by Promsvyazbank PJSC, regardless of your account balance. However, if there are not enough funds for a transaction, it is simply placed in the queue of unexecuted ones, and not when there is enough money for the account (clause 2.7). In other words, it is not worth submitting a repeated order, so as not to create duplicate operations.

If a monetary transaction looks suspicious (the bank believes that it could be initiated without the knowledge and/or consent of the account owner), then its execution is suspended for a maximum of 2 business days. During this time, the operator notifies the person who executed the agreement with him about the suspicions that have arisen and requests confirmation of the renewal of the order (clause 2.8.1). You bear the risk of not receiving the notification.

Funds on your account are debited by Promsvyazbank unilaterally only on the basis of payment requests and other forms that comply with the terms of your acceptance (permission). The latter is drawn up as part of an agreement or a separate document. You, in turn, are required to provide any documents required by the service provider to the extent permitted by law. And independently monitor the correctness of the statements received, the display of account transactions, as well as the balance on the balance, at least once every 5 days.

If any objections arise to the specified figures, written claims are sent within 10 calendar days from the date of receipt of the extract. And if the letter does not arrive at the organization after 15 days (this period includes travel time), any subsequent manifestations of dissatisfaction are not counted. All changes that have occurred to the organization’s contact and/or payment information must be reported to the bank within 5 calendar days. Section 3.3.12 provides an approximate list of such changes.

If unreliability/insufficient information causes non-execution or improper execution of a client’s payment order, the organization is not responsible for this. Among the rights of Promsvyazbank PJSC are changes to the terms of current tariffs and the introduction of new ones unilaterally with prior notification to the client at least 5 calendar days before their introduction. But in case of improper execution or cancellation of the transaction due to the fault of the bank, the latter pays the owner of the account a penalty in the amount of 0.01% of the transfer amount for each day of delay. And he cannot change this rule (clause 6.1.5).

Promsvyazbank - reviews

Stroysfera LLC

I would like to share a very unsuccessful experience of working with the fraudulent Promsvyazbank bank in Tambov. We opened an account for a legal entity. The manager said that you can open an account only with one tariff “Pay less”, other tariffs are not available when opening an account. According to a bank employee, it’s simply an ideal option for small businesses. Everything is free and accessible. The only limitation is that in the first three months after opening the account, the turnover should not exceed 3 million rubles. They politely and clearly explained that there are no hidden fees or additional payments. Confident in the integrity of the bank’s employees, we agreed to this miracle program. As it turned out, in vain! What's the catch? Yes, the fact is that the bank employee deceived us when he said that no additional commissions would be charged.

The account was opened in November, and in March we decided to purchase a car for the organization. The car cost about 3 million rubles. We bought a car and were happy. True, not for long. Or rather, until we saw that 450,000 rubles of commission were written off from our account for “Exceeding the volume of transactions by 3 million rubles.” per month.".

They thought it was some kind of mistake, because in February I came to the bank to change the tariff so that there would be no restrictions on the volume of payments from the account. But the bank employee explained to me that the limit of 3 million rubles is only valid for the first 3 months, and we no longer have it, since three months have passed. There is no need to change the tariff! Now it turns out that all this was a lie, the commission for overdrawing the account remains the same at all times and is charged at the rate of 15% percent!!! A fellow sufferer, the director of a confectionery company, who was also robbed by PSB, said that accounts are opened only with this tariff specifically, in order to catch one of the clients with excess turnover and improve the performance of the branch.

In fact, the bank misled us when they said that the restrictions would be lifted in three months. They took the employees at their word and paid very dearly for it. To all claims and attempts to return money, they simply answer: “I should have read the small text. We didn’t tell you anything like that and couldn’t tell you. You don’t have a recording of the conversation and you can’t prove anything. There’s no time to talk to you!” Now the bank employees refuse to accept our claim, ignore it, refuse to talk. The manager refused to meet with me.

This is such a “funny” story. We can say that we won’t just leave it like that, because this is pure deception and robbery. Such a condition is enslaving and is a deliberate deception of clients in order to seize their funds. We will definitely try to get our money back through the courts. And we consider it our duty to tell the widest possible circle of people the truth about this bank and warn entrepreneurs about its meanness. We can confirm the stated facts with documents, attaching certificates of the organization, payments, statements, etc.

I really hope that the bank employees will see this message and contact me by email

Vasya

shit and not a bank, I applied for a consumer loan at 9.9% online. All documents are in order, I’m employed, everything is official. It took me longer to fill out the application form, in the end there was a refusal without explanation

Jk

Disgusting and rude service. The bank's management should take immediate action.

Marina

Now, following your instructions, I spent 2350 rubles. Until I lost all the money on the card. Then once again, I received a text message about a lack of money. I paid your fees for each step 5 times. What a scam!!!!!!!!!!! Where is the transfer to my card!!!!!! YOU are liars and scammers!!!!!!!! Let my money go to your side! I checked you and was not mistaken!!!!!!!!! I demand that all mailings and SMS messages to my email be stopped!!!!!!!!!!!!!!!!

Vladimir

Today on Saturday I went to withdraw money. The deposit period has expired. Before this, I called the bank’s hotline 3 days before. I called 3 times, they said there would be no problems. This is at the Pervomaisky branch of Ufa. When we arrived, they said there was no money. I had to call them. And they started a scam that I would only receive the money on Thursday. But you can get it in the central one, on Karl Marx. And then, 1000 rubles each. Let's go and they gave us 5000 rubles.

Eugene

A nightmare. Called the hotline. We need to get information on the card. The answering machine first said that a free operator would answer in 10 minutes, then the answering machine said that in 5 minutes, then the answering machine said in 10 minutes, so I didn’t receive any answer to the question I was interested in after waiting by the phone for 35 minutes. It seems that the operator simply turned off the direct line. And the answering machine works for him and works perfectly

Sergey

THE BANK STEALING MONEY FROM THE CARD! I can’t help but share a glaring fact about the work of Promsvyazbank! I was a holder of a US dollar currency card. Considering that in our city this bank only has ruble ATMs, and the partner bank can issue only one bill at a time, I contacted the bank branch to receive my funds through the cash desk. For this purpose, a bank employee issued a Free virtual card, where all paid services were disabled, and I received part of my funds in cash. Imagine my surprise when the next day I received an SMS about a $2 charge for activating SMS notifications! I understand, the amount is not large... Having called the bank, the claims department, I voiced the situation and the girl, with great difficulty and the third time, figured out what was happening... Indeed, in the application for opening a virtual card, the SMS notification service was disabled and she saw it, but the system, when withdrawing cash, activated this service on its own! The girl apologized, disabled this service and filed a complaint regarding this fact, promising to sort it out within 3 working days! Two days later, I log into my personal account and see that another $2 has been debited from me... I call the bank again and leave another claim, again having listened to a bunch of nonsense from the bank employee, the third time they explain to me that the system again unauthorizedly connected me SMS notification service! Again they talk about three working days... After waiting 5 days, I call the bank again and it turns out that it was a system failure and now I need to make a new application for the return of my funds, which will be considered... Attention... within 30 working days!! ! After that, I went to the bank, closed all the cards there and took the remaining money on them (until they were stolen too)!!! Which is what I advise you all to do! The answer from the local bank employee is amazing... well, why are you worried, they told you that the money will be returned...

Albina

Novosibirsk office, D.Kovalchuk str. 266, it is impossible to call during the day, in the evening the office closes early at 19:20, the programs are already closed and it is impossible to get information. The employees are incompetent in resolving the trivial issue of transferring a newly issued card from the main office to the additional one.

Catherine

Terrible service, unfavorable conditions. I got a cashback card specifically to pay for dentistry. I checked the MCC code, calculated how much I would spend in which month and ordered the card.

The surprises began in the office. The employee began to behave so strangely that I already changed my mind about taking the card, deciding that it was simply not profitable for me. And I went to the dentist without her. Then, when I arrived home and did the math, I realized that the bank employee had simply misinformed me. I returned to the bank to get the card. I went to the dentist and spent more than 20 rubles. I started waiting for cashback. But he didn't come. It turned out that on the morning of August 29, purchases were counted. And already in the afternoon of the same day - no. And the cashback for August is ZERO.

Question - why do I need this card??? I could pay with a card from another bank and get at least 1% cashback.

Next month I will have purchases worth RUR 100,000 in the health category. What's the point of using this card if there is no guarantee of cashback?

The quality service didn’t even want to listen to me. I spent my time waiting and calling them, but they didn’t even want to listen to me.

I have been storing from 500,000 to 1,000,000 rubles in this bank for a year now. In the next free time, I will take my money and forget about this bank. There are more profitable banks with more pleasant cashback service. And their service is much nicer.

Moreover, to do some little thing. For example, to write an application, you need to go to the bank. All normal banks have been accepting complaints by phone for about 10 years now.

Catherine

The aftertaste is still unpleasant. People, avoid this bank!!! in 2021, the operator called and offered to connect SMS information absolutely free for a whole month (she is very experienced in this matter, you can hear it in her voice, she likes it), then, if I don’t like the service, I can turn it off in advance (before the month expires). I did so. but it turns out that there was some kind of glitch and nothing was turned off and the money was simply written off. I wrote letters, they constantly refused, they say they don’t remember, which means it didn’t happen, I’m just tired of fighting with them. and a year later, they withdrew the money again without any warning!!!! I just withdrew all the money from my account and quickly withdrew everyone I knew from this bank, and I’m warning you, people, what scammers this Promsvyazbank is!!!

Anastasia

Good afternoon. We wanted to open an account for an LLC in this bank. Incompetent security staff. Terrible experience.

AHTUNGMINEN

https://otzovik.com/review_228477.html

Promsvyazbank (Russia, Moscow) - PROMSVYAZBANK ARE CREATING A MESS! THE THIEVES!

Advantages:

• NO PROS AT ALL

Flaws:

• THE THIEVES

On June 4, 2012, I sent about 7.5 thousand rubles from the Yandex payment system. money to your card opened at Promsvyazbank. The money was received by the bank and was on their balance sheet, which was confirmed by bank employees. But there was still no money on my card. When I asked why there was no money on my card, they answered that the money was being credited and expect the money to be credited tomorrow before 6:00 p.m.! I waited 2 days. There is no money on the card. Then I call the bank again and ask: “Where is the money?” They answer: “we will make a request to the relevant department with a question about the delay in crediting funds and wait 3 business days! “I waited 3 business days and the money has still not been credited.

They demanded a financial document from Yandex. money, confirming the sending of funds from Yandex. Yandex. money responds that the transfer was sent through the mastercard moneysend system, which does not provide for sending financial documents when making a transfer. Promsvyazbank made a request to the acquiring bank (Moskomprivatbank) in order to receive a financial document from them. And he didn’t receive it from them! What nonsense? This

Not my problem? Can't you think of anything else? Promsvyazbank violates the rules of the Central Bank of the Russian Federation, laws and mastercard rules.

The same operation was carried out through webmoney. The money went through instantly and I withdrew it from the card the next day. They didn't make any requests in this case!

My friend also made withdrawals from Yandex. money to a Sberbank card. No problem. The money was on the card within 2 days

By what right does Promsvyazbank not credit funds to my card? Although they see this money, they are stalling for time! Or don’t want to credit funds at all? What kind of bank is this?

This is not how a bank should work! Give back the money thieves!

Anonymous324827

https://otzovik.com/review_1173390.html

Promsvyazbank (Russia, Moscow) - terrible

Advantages:

• There are decent people working in the quality line, but they don’t solve anything.

Flaws:

• extortion

Dear employees of Promsvyazbank,

Over the past couple of months, I have already talked 50 times with boors who regularly call me from the overdue debt service and demand some money from me.

Three or more times I called the "quality line" and left messages.

I left messages on the site several times.

On June 27, I sent a registered letter to the bank’s legal address with a claim.

There is no answer, but the boors don’t stop calling me.

Once again, I don’t owe anything, I have a Visa Platinum debit card, a debit card, I emphasize once again, I did not give permission for an overdraft. Moreover, this card was blocked by me through online banking for quite a long time.

If you continue to call me, I will sue you for extortion, since this is the case.

If you have a different point of view, sue me.

Chanyshev Arseny Arsenievich.

squall260

https://www.banki.ru/services/responses/bank/response/10120773/

For several years now, I have been transferring money from PayPal to a card account at Promsvyazbank a couple of times a month. The money always arrived the next business day.

On the morning of Monday the 18th I withdrew money from PayPal, it is now Wednesday evening, the money has not been received on the card. PayPal said that the money left them on Monday.

Promsvyazbank support was unable to answer me anything; they don’t see the money in my account, when it will arrive and where it went, they don’t know.

Judging by the reviews on this site, people describe similar problems after the introduction of the temporary administration.

lfed

https://www.banki.ru/services/responses/bank/response/10120742/

Once again, when we went to the Internet bank, we discovered that no transactions could be carried out. We called technical support - they said that the account was blocked - contact the bank branch. They asked there - the girl could not explain anything intelligible, just like the manager who suggested!!! , that “there’s probably something wrong” and advised me to call the central office at 8 (800)... They called - a girl, Anya, said: maybe we need to present some! documentation. Contact your regional office... All! The circle is closed! In the circle is our money, which the bank shamelessly uses. The bankers have a great job... Colleagues! stay away from Promsvyazbank!

Alexander Smirnov

https://irecommend.ru/content/telefonnye-prilipaly-ili-kak-kupit-slona-eshche-luchshe-vzyat-ego-v-kredit

Advantages:

• ease of use of services
• good bonus program

Flaws:

• imposition of various credit projects
• the need for personal visits to the bank for small details

My personal acquaintance with Promsvyazbank began with the fact that last year, at my main job, wages began to be transferred specifically to the salary cards of this bank. Naturally, all financial costs for the annual maintenance of the issued salary cards fell on my main employer. It would seem that live and be happy, but it was so good only at the very beginning of this salary project. When things calmed down a bit, the fun began. First, the very polite personal managers of Promsvyazbank began calling all our employees, including me, to find out how satisfied we were with the quality of service for the salary cards of this bank.

It should be noted that everything was in perfect order here: interest-free cash withdrawals from ATMs of any other banks, free messages to the specified mobile phone number about all transactions being carried out, as well as many other pleasant bonuses. However, then the heavy artillery of this bank entered into a fierce battle. In particular, Promsvyazbank began to impose various credit projects on all our employees, including me. It is clear that nowadays almost any bank in the Russian Federation does this, but Promsvyazbank is distinguished by its particular intrusiveness. As they say, if you don’t want to buy an elephant, you can always take it on credit. The same very polite personal managers of Promsvyazbank began to literally attack my mobile phone with their phone calls, and at first this happened only on weekdays, and then on weekends too. It’s interesting that I constantly explain to them in fairly accessible Russian that right now I’m not at all interested in any credit projects, but these telephone clowns stubbornly continue to call me, as well as all our employees. In the end, I did not restrain myself and called the Promsvyazbank telephone hotline to demand an explanation, to which they answered me that when I signed an agreement on my salary card, I actually gave them an unlimited opportunity to constantly call my mobile phone in order to impose their various financial services. It is still possible to refuse, but to do this I need to personally come to any Promsvyazbank office and write a corresponding statement there in writing.

Unfortunately, I don’t have enough free time for all this yet, so the show must go on, and the show will definitely go on, because these are the rules of the game that simply must be strictly observed, no matter what!

natasha4891

https://irecommend.ru/content/promsvyazbankya-ukhozhu-ot-tebya-i-ne-prosi-obratno-ne-vernus

Flaws:

• incompetence and lack of awareness of workers
• deception
• disgusting quality of service

Hi all!

I was a client of this bank, but now I have refused its services. Why did this happen, I will tell you right now!

So, my relationship with him began about 5, 5 years ago, when I got a new job and there they gave me a bank salary card, which Promsvyazbank was servicing. And in general, all these years there were no complaints about the services provided by the bank, until the economic crisis of 2015 struck. Honestly, I don’t know how this is connected, but it was after the difficult economic situation developed that the bank began to act weird. Namely, they began to withdraw money twice for the provision of one service. That is, for example, you go to a pharmacy and pay with a card, they withdraw money the first time, then, after a few days, they withdraw exactly the same amount a second time. It’s good that I have activated the SMS notification service, and also, I am a user of a bank client, and therefore I can track all the transactions that take place on my account, which is why I am always aware of my card affairs.

So, the first time, when they withdrew a double amount on the advice of the bank operator, I went to write an application for the return of the money “accidentally” written off by Promsvyazbank, the second time they returned my money to me remotely. The third time, I again had to go to the branch and explain my problem to the specialists. I was tired of doing this and my trust in the bank was greatly undermined. If I had not noticed the write-off of funds, it turns out that the bank would simply have appropriated the funds for itself. It turns out that all this was done for a reason, seriously, I came to the conclusion that the calculation is that the client will not notice the theft from his account and the money will go to this corporation. It’s good that our company refused the services of this bank and entered into an agreement with another. I simply withdrew the rest of the amount in cash and left zero 0 rubles and 0 kopecks on the card. Now I’m going to make a control shot - I’ll block the card. I don’t want to have any more relations with Promsvyazbank and I don’t recommend it to anyone.

Thank you for your attention.

mineco

https://irecommend.ru/content/vkonets-zazhmotilsya

Flaws:

• not the best deals on super deposits
• deception

I have always liked this bank, and I have been using its services for many years: there has always been a large selection of interesting cards and deposit offers. But recently everything has changed dramatically. They introduced a card with cash back, a good interest rate on the balance and other goodies. This miracle lasted only a few months, after which they abruptly changed all the conditions without even informing us about it. As a result, I learned after the fact that now I have to pay for the service and that the minimum balance was raised by 2 times, in general the conditions became completely unfavorable. There are also more than modest proposals for deposits. There is generally nothing to choose from among the cards: according to the conditions, it turns out that as a result you will pay more for the service than you will receive benefits from them. Switched to another bank.

Vladimir

https://www.sravni.ru/bank/promsvjazbank/otzyv/261227/

Promsvyazbank takes 1% of its mortgage when trying to refinance it

Today, December 15, 2021, I was charged a commission in the amount of 37,990 (thirty-seven thousand nine hundred and ninety) rubles 50 kopecks. in connection with the crediting of 3,949,050 (three million nine hundred forty-nine thousand fifty) rubles 00 kopecks to my account. from AHML as part of loan refinancing.

The transfer from AHML had a strict and explicit purpose for REPAYMENT OF A PREVIOUSLY PROVIDED LOAN UNDER THE AGREEMENT (No. 503172714 DATED 04/19/2017) and was used for the purpose of immediate repayment of the mortgage loan at PJSC Promsvyazbank. Moreover, the purpose of the payment specifically indicated the number of the loan agreement with PJSC Promsvyazbank.

According to Promsvyazbank tariffs dated DECEMBER 06, 2021 for settlement and cash services for individuals, these transfers (to repay a previously issued loan) are not subject to the withholding of a 1% commission, and it was these updated tariffs that we took into account to structure the transaction. However, Promsvyazbank PJSC withheld commissions from me, since if it were just a transfer from a third-party legal entity with the general purpose of payment

The most outrageous thing is that the head of the subsidiary “Dolgorukovsky” (name is Maxim) ignored the special provision in the tariffs about not charging a commission for such transfers, but said: “Consider that this 1% commission is the bank’s position in relation to such transfers,” and the employees of the subsidiary “Kitai-Gorod”, having accepted my statement of claim, said: “Yes, we always have such problems with transfers from AHML, try writing a claim, maybe they will consider it.”

If you are refinancing a Promsvyazbank loan with AHML, please take into account my sad experience, how Prosvyazbank took almost 38,000 rubles from me. , despite the direct contradiction with the provisions of their own tariffs.

Now, in turn, I have no choice but to resolve my situation on all available platforms and complain to all possible authorities. It's a pity..

Anna Kovaleva

https://www.sravni.ru/bank/promsvjazbank/otzyv/261162/

Money out of thin air

Boors, not a bank! They sold me a credit card along with a salary card, the card was not used, and they charged more than three thousand for the card’s servicing per year. And they closed the account for a week. They call with threats, ask questions about loved ones, existing property and property, and send debt collectors. Amount of monthly maintenance comp. 150 rubles, fines, commissions and penalties were calculated on her. Judging by the voice, some idiot on the phone is threatening and shaming me. Hey, you should be ashamed, for 150 rubles, to be so rude...

Guest

https://ru.otzyv.com/promsvyazbank/review-400856

I opened an account and was given a card. I asked for a phil face card. In fact, they issued a corporate one.

I transferred my money there. It is impossible to return them from the card! Staff negligence!

I called the bank and they told me it’s your problem.

We contacted the branch with a question because the manager did not comply with my conditions and requirements. They said that the staff is experienced! And you solve problems yourself!

In a word, it sucks!

Guest

https://ru.otzyv.com/promsvyazbank/review-396349

This is the second month now that we have been unable to withdraw money from our current account at this bank. None of our payments go through. Accordingly, we cannot make payments to our suppliers. Operators constantly refer to requests from the financial control service, which requires certain supporting documents. We provide documents. But then we again receive requests for more and more documents. Our account has been blocked for two months now. The money is completely blocked. The only option is to transfer them to another account with a 20% “commission”.

Alexei

https://66.ru/bank/forum/blog/?tid=398052

Hi all!!! I wanted to get a debit card from this bank so I could use my own money. When opening the card, I was asked to pay for the annual service, I went to pay at the cashier, when I paid the amount of 1200 rubles, they gave me an insurance product to pee on. It seems they said they would return the money later. Five days passed, I received an SMS that I could go and get a card from PSB Bank, upon receipt they told me that I had to transfer the money to their Fund, otherwise I would not receive punishment, I refused and wrote a complaint, now there is no response or greetings from them. I don’t recommend this bank to anyone, there are scammers and extortionists.

Fisherman79

https://www.spr.ru/forum_vyvod.php?id_tema=4180889

Promsvyazbank mobile application is a quiet horror! To transfer money to another card, you need to enter YOUR card number in YOUR mobile bank, but first, to enter the program, you need to enter a hundred passwords. It does not support most of the necessary companies for paying for services; opening cards and finding the nearest ATM is an epic task. Maps do not open or load in the program at all! The application itself is inconvenient, buggy, and slow. In general, I’m disappointed - if it weren’t for the card being a salary card, I would never have applied for it in my life.

RKO in Promsvyazbank - is it a scam?

Promsvyazbank's cash settlement program looks pretty good compared to others thanks to its flexible tariff schedule, relatively inexpensive service and additional promotions. There are suitable options for almost every business category.

At the same time, the registration is convenient: you do not need to fill out a form at the application stage, documents can be sent through the service assistant on the website psbank.ru, the agreement is drawn up not in a bank branch, but at your address (the manager arrives with a package of agreements). A business card is serviced for only 200-300 rubles per year (the first month is free).

In the reviews, we found virtually no information about blocking accounts under 115-FZ, and the agreement does not contain clauses on withholding a commission when closing a cash settlement agreement, so the service provider does not make money on the flow of clients, but actually works with each agreement. Cash settlement at Promsvyazbank is not a scam and we can confidently recommend this service to businesses.