Promsvyazbank broker review: scam or not + real reviews from traders

Hello! This article will provide a detailed overview of the brokerage department of Promsvyazbank. This is not the brightest representative of financial brokerage, but the Promsvyazbank broker definitely deserves the attention of investors.

I will tell you basic information about it, and see what conditions are offered for commissions and services. How equipped the firm is as a broker and what services they have. I will touch on some features and show why the PSB brokerage department may not be suitable for market participants, and finally, I will look at what investors and traders think about this brokerage company.

About the broker

Found 7 Promsvyazbank deposits

• Name
• Bid
• Sum
• Term
• Conditions
• Application

Savings account
Savings account “In reserve”

Bid

5 %

Calculate income

Conditions

• Payment of interest monthly
• Capitalization
• Replenishment
• Savings account

For new clients

Online contribution

Bid

4.75 %

Calculate income

Conditions

• Payment of interest
• Without capitalization
• No replenishment
• For new clients

Bid

4.5 %

Calculate income

Conditions

• Payment of interest
• Without capitalization
• Replenishment
• Classical

Bid

3.55 %

Calculate income

Conditions

• Payment of interest monthly
• Capitalization
• Replenishment
• Classical

Bid

3.5 %

Calculate income

Conditions

• Payment of interest
• Without capitalization
• Replenishment
• Classical

Bid

3.4 %

Calculate income

Conditions

• Payment of interest monthly
• Without capitalization
• Replenishment
• Classical

Savings account

Savings account "Emphasis on interest"

Bid

7 %

Calculate income

Conditions

• Payment of interest monthly
• Capitalization
• Replenishment
• Savings account

Terms of service and tariffs

Broker Promsvyazbank offers favorable rates and service conditions for its clients. Each investor will be able to find an option that suits his needs.

What services does it offer to clients?

Promsvyazbank broker offers access to the following platforms for financial transactions:

• stock;
• Forex;
• derivatives and foreign exchange sections of the Moscow Exchange.

The company's brokerage services also include the opportunity to open individual investment accounts and engage in margin trading. After connecting to the broker's services, it is possible to perform financial transactions with packages of securities on the stock market.

Analytical materials from brokerage company specialists are available. A separate division acts as a Forex broker; the presence of licenses provides access to financial transactions on the over-the-counter market for the turnover of raw materials and currency.

Trading and Investment Tools

In the list of tools of the PSB broker:

• options;
• stock;
• futures;
• bonds, etc.

Promsvyazbank offers private investors the opportunity to make transactions with structured diversified products (UIFs).

It must be taken into account that the broker currently has restrictions on trading operations with foreign assets, Eurobonds and ETFs.

Information support

Brokerage services include the provision of daily analytical materials prepared by company specialists based on a review of the situation on global financial markets, assessments of events in the economic sphere, forecasts for the flow of funds, etc. Options for trading ideas are offered for profitable investments and obtaining stable profits. However, the company does not offer seminars or training programs for beginners in brokerage activities.

Terms of service and tariffs

For options and futures there is a commission of 0.3-0.6 rubles. for 1 contract. The commission fee for foreign exchange transactions will be 0.008-0.95%, when using bonds and shares - 0.0055-0.08%. There is no depositary commission. There is no charge for using the terminal. Funds can be transferred without commission to an account at Promsvyazbank.

Deposit replenishment is carried out by transfers through the Internet bank, an operator at a branch of the institution, or using a card. The commission fee for financial transactions on the over-the-counter market ranges from 1,500 rubles. in accordance with cash flow.

The broker offers several tariff plans (“PSB day”, “PSB month”). The tariff line offers service options “Investment consulting”, “Management company”, according to which clients can receive financial support for transactions and investment strategies developed for the customer. The commission fee for these tariffs is higher than the standard one.

The broker provides discounts to regular customers; every 6 months of service at the tariff is 1% cheaper until a discount to the tariff is reached at 10%.

The “PSB day” tariff plan is optimal for clients with a low frequency of financial transactions on the market. The commission fee for transactions performed is charged every day from the turnover of all transactions made by the client during the trading day. The bank commission is calculated after each transaction.

The commission rate is calculated according to the daily turnover. With a turnover of up to 1 million rubles. the commission will be 0.05% of the amount, with the amount of funds for financial transactions up to 5 million rubles. - 0.04%. With a turnover of more than 100 million rubles. commission rate reduced to 0.01%.

The “PSB month” tariff plan is recommended for use by trading participants with a large turnover of funds and the number of financial transactions per month. The brokerage company charges a commission at the end of the month based on the total turnover of all completed transactions for a given period.

The commission will be for a turnover of up to 50 million rubles. 0.08% of the amount, up to 150 million rubles. — 0.03%, more than 500 million rubles. - 0.01%.

Broker Products

Promsvyazbank offers not only brokerage services for individuals and legal entities, but also a number of other services. They include structured products, shares, insurance instruments and management of your capital on behalf of Promsvyaz Management Company. Each service, exchange and other, is selected individually according to the client’s request.

The consumer can trade stocks, bonds, futures, options, and participate in mutual funds. If there is insufficient funds in the account, brokerage leverage can be used. The cost of margin at Promsvyazbank is only 10.25% per annum.

Structured Products

Broker PSB offers structured products to its clients. In them, the amount of income directly depends on the profitability of one or more market assets. The consumer can partially or completely protect his investment from possible losses.

The company develops several strategies and offers them to the client. The latter chooses the option that suits him.

IPO

An IPO is the first time a company's shares enter the market. Broker Promsvyazbank offers clients participation in IPO. Since there is a certain risk in this type of investment, you should analyze the company's reports, development prospects and seek the opinion of experts.

Don’t think that every option is profitable: almost everywhere there are pitfalls. The broker considers each application for consumer participation individually.

More

Promsvyazbank is the founder of the pension fund. You can put your retirement money into investments. Quite an interesting offer, since all investments will be managed by a broker, which will help you avoid losing capital due to ignorance of the market.

Piths

The main financial instrument is considered to be a mutual investment fund, abbreviated as UIF. Investing money in PIF will be the best offer for a user who prefers collective transactions.

This type of investment does not provide for extensive experience, an expanded area of ​​knowledge in a narrow competency profile. All payments and obligations will be assumed by Promsvyazbank. The client simply needs to invest finances in bank securities. The person will not be limited in the area of ​​strategic directions.

The principle of investing in a mutual fund is simple. Several shareholders must pool their investments to form their overall package. This is done to increase the flow of profit, which is then divided in equal shares.

additional services

Where to register a Promsvyazbank deposit in Moscow

Below is information about the location and opening hours of Promsvyazbank offices in Moscow. To make a deposit at Promsvyazbank, you will need to contact any bank branch with the necessary documents.

• For individuals:
• Mon.
  -
  Fri
  .: 09:30-20:00
  Sat
  .: 10:00-16:30

• For legal entities:
• Mon.
  -
  Fri
  .: 09:30—17:30

• For legal entities:
• Mon.
  -
  Fri
  .: 09:30—17:30

• For legal entities:
• Mon.
  -
  Fri
  .: 09:30—17:30

Working with a broker

Work with the Promsvyazbank broker is carried out through its official website; there are no applications for Android or iOS. There are representative offices in some regions of the Russian Federation, but there are too few of them, so it is best to do everything yourself, following the instructions.

Registration on the official website

The official website of the broker Promsvyazbank is located at: https://psbinvest.ru/. In the upper right corner there is a link “Open a brokerage account”, click on it and go to a new window. There is a button “Open an account” that you need to click on.

You will see a form that specifies the terms of working with the broker, in particular commissions. At the bottom of the page you must enter personal data and consent to the processing of information. Next you need confirmation.

As soon as registration is completed, the user has access to his personal account.

If you have any problems registering, you can use the hotline number, where you will be instructed in detail.

Instructions for opening an account

In order to start trading through a brokerage account, you need to have a government account that is confirmed. This way you can access the exchange from your PSB invest personal account in a few minutes.

If you do not have a confirmed account, you need to contact a Promsvyazbank branch. You must have an identity card, SNILS and TIN with you.

Also on the official website of the broker you can open an individual investment account or a brokerage account for legal entities. In principle, the registration procedure is standard - provide personal data and confirm your identity.

Demo account

Broker Promsvyazbank does not provide clients with the opportunity to trade on a demo account. You won't be able to practice before entering the real market. Unfortunately, I believe that this is a significant shortcoming of the company, which somewhat repels novice investors from it.

Account replenishment and withdrawal of funds

Regardless of whether you are a client of Promsvyazbank or not, when you open a brokerage account, you open an account directly with the bank. This is necessary in order to carry out all operations through it. Withdrawing money is carried out without commission, which is good. However, there is a catch here: you will not be able to withdraw to a card or current account of any other bank.

You can also top up your account through Promsvyazbank at a branch. This procedure is free. However, if you want to deposit money through a card, for example, Sberbank, a commission will be charged.

Technical support

There is no online support chat on the broker's official website. All questions and problems in work are resolved through the free hotline –7. Employees work around the clock, without breaks or days off.

Where to register a Promsvyazbank deposit in Moscow

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Deposits for individuals at Promsvyazbank in Moscow in 2021

Deposits of Promsvyazbank in Moscow are presented in different currencies, but cash deposits in rubles are more popular.
There are 7 main offers, all of them are listed on our website. You can use them to open an account for an amount starting from 1 ruble. The terms may vary - from 2 months to 1096 days. Interest rates and rates on deposits today at Promsvyazbank in Moscow depend on:

• amount placed on the account;
• capitalization;
• the ability to perform various operations with the account.

Pensioners can open a time deposit at a high interest rate. You can make a profitable Promsvyazbank deposit in Moscow using the official website or our portal. Use the calculator to make some preliminary calculations. Some programs open using the mobile banking feature.

Pros and cons of the company

Advantages of the Promsvyazbank broker:

• daily analytical forecasts that allow you to invest profitably;
• the ability to trade using “Web Kwik”;
• margin – 10.25% per annum;
• low commissions;
• favorable tariff plans;
• trust management of assets;
• no minimum deposit;
• management assistance;
• opportunity to trade on Forex;
• own insurance program.

Disadvantages of the company:

• no demo account;
• low level of customer support;
• lack of an affiliate program.

For me, the main disadvantage of the Promsvyazbank broker is the fact that it will not be possible to trade Eurobonds and ETFs, since the company does not provide access to these instruments.

Investment insurance

The sixth number completes the list of financial instruments under consideration: the ILI program from Promsvyazbank. This is a joint development of the bank and insurance companies.

The main task of the ILI is to ensure high profitability, as well as provide the following guarantees:

• Complete safety of invested money;
• Providing insurance assistance in case of unforeseen events;
• High profit;
• Legal privileges;
• Tax benefits.

Real reviews

There are quite a lot of reviews on the Internet about the Promsvyazbank broker. There are positive ones among them, but more negative ones. To give you a general picture, I’ll give you a few.

Traders

But on the same portal I also find a positive review about the broker.

Clients

And again below I see positive feedback.

Employees

Unfortunately, I was unable to find any positive feedback from the staff.

Unallocated metal accounts

Unallocated metal accounts are the fifth financial instrument from Promsvyazbank. The function of the Federal Migration Service is to record the metals available to clients. However, the document does not contain individual characteristics or information about purchase and sale transactions.

Features of compulsory medical insurance service:

1. Account activation is available for four types of metal: gold; palladium; silver; platinum.
2. Account form: “on demand”.
3. There is no % accrual system.
4. There is no possibility of crediting or writing off metals from compulsory medical insurance.

The ability to activate an impersonal metal account is available only to those clients who have read and agree with the current rules.

Alternatives

Unfortunately, the broker Promsvyazbank has quite a lot of negative aspects in its work. In this regard, you can take a closer look at other companies that have proven themselves in the market and have received a large number of reviews from grateful customers.

Reliable Russian brokers

Ratings

• Cost of servicing an individual entrepreneur 2021 - 1-8 place (0 RUR/year)
• Cost of servicing a retail outlet (IP) 2021 - 8th place (RUB 88,630/year)
• Cost of servicing a B2B company 2021 - 15th place (RUB 37,990/year)
• Cost of servicing a service company 2021 - 8th place (RUB 66,700/year)
• Forbes: reliable Russian banks with ratings BB and BB- (Fitch) 2019 - 42nd place
• The best online banks for micro-businesses 2021 - 11th place
• The best online banks for trade and service enterprises 2021 - 11th place
• Efficiency rating of Internet banks for companies leading foreign economic activity 2018 - 13th place
• Cost of servicing an individual entrepreneur 2021 - 5th place (RUB 2,499/year)
• Cost of servicing a retail outlet (IP) 2021 - 11th place (RUB 19,991/year)
• Cost of servicing a B2B company 2021 - 19th place (RUB 41,045/year)
• Cost of servicing a B2C company 2021 - 9th place (RUB 159,050/year)
• Efficiency rating of mobile banks for individual entrepreneurs (iPhone) 2021 - 9th place
• Efficiency rating of mobile banks for individual entrepreneurs (Android) - 8th place
• Efficiency rating of mobile banks for company executives (iPhone) - 8th place
• Efficiency rating of mobile banks for company executives (Android) - 8th place
• Customer experience when opening a current account 2021 - 5th place
• Efficiency rating of Internet banks for micro-businesses 2021 - 13th place
• Efficiency rating of Internet banks for trade and service enterprises 2021 - 7th place
• Efficiency rating of Internet banks for companies leading foreign economic activity 2017 - 9th place
• Rating of the cost of banking services for freelance entrepreneurs in Moscow 2021 - 12th place
• Rating of the cost of banking services in Moscow for companies providing services to legal entities - 16th place
• Rating of the cost of banking services in Moscow for companies providing services to individuals 2021 - 4th place
• Rating of the cost of banking services for retail stores in Moscow 2021 - 6th place
• Salary project 2021 - 11th place
• Efficiency rating of mobile banks for business for iPhone 2016 - 6th place
• Efficiency rating of mobile banks for business for Android smartphones 2021 - 9th place

According to Markswebb Rank & Report.

Registration of benefits for income under IIS

Exemption from tax on income received as a result of investment transactions can only be obtained when closing a personal investment account. To do this, you need to obtain a certificate from the local branch of the Federal Tax Service stating that you have not previously enjoyed any tax benefits on this account. This document is presented to the broker. Based on this, PSB will not write off personal income tax from you when paying income.

The benefit is not provided if a deduction for replenishment was previously used on the account or the IIS was closed early (before three years have passed from the date of opening). In the latter case, income tax is withheld by the broker at a standard rate.

Hotline

Information support for business is available around the clock. You can call the bank for general questions and to order individual services remotely (within the framework of ) using the number (for regions) and (around the clock for Moscow residents).

Technical support for Internet banking - +7 (968) 963-20-20 or.

You can contact bank representatives in other ways:

1. by ordering a call back from the bank’s website;
2. via chat on the website;
3. calling directly from the browser (you must have a microphone, video camera and speakers, and a modern browser);
4. by writing an email to [email protected]

Registration in the personal account of PSB Internet bank

Promsvyazbank clients can register a personal account in two options. The connection for each option is different, as are the available services.

1.Information makes it possible to find out balances on your accounts, cards, deposits, as well as loan debt. Here you can block the plastic if it is lost. The connection is made when registering the card on the Promsvyazbank website.

Register

2.The operating mode opens up greater opportunities for carrying out various actions with your accounts than the previous one. Here the client can already make payments, transfers, and deposit money. You can do this in several ways:

• go to the Promsvyazbank office and fill out an application by presenting your passport to the operator;
• connect via an ATM (only with a positive balance).

How to open ISS

Promsvyazbank allows you to open an account remotely. To do this, you need to register in your personal Internet banking web account and draw up an agreement at number 2940. A preliminary online application can be submitted at number 2944.

If you have questions about IIS, you can contact an employee of a credit institution, who will also help you choose an acceptable tariff plan. Phys. individuals can also fill out an online form and submit an application, or go to a bank branch and sign a cooperation agreement.