Any bank should take care of the quality of service to its customers, offering the best conditions for cooperation that satisfy both parties. But not all financial and credit institutions work for the benefit of people, although it is clients that are the main sources of income for a financial institution. Uniastrum Bank belongs to the category of structures that take care of their customers, creating a lot of convenient services and lucrative offers.

The bank was officially registered back in 1994, but only 15 years later, it began to actively develop, creating profitable programs for lending, deposit accounts and bank payment instruments. Uniastrum Bank today is a large financial institution with more than 40 branches scattered across the country, the number of which is increasing every year.

Until recently, the bank's work was focused on cooperation with the business sector, but the sale of 100% of shares to the new owner in 2015 was a significant event for Uniastrum Bank, redirecting attention to the private sector.

Uniastrum Bank for individuals

Thanks to a change in leadership and a new policy aimed at the comprehensive development of banking systems, new opportunities have emerged for individuals:

• Deposits in rubles for a period of up to 370 days with an annual interest rate of 8.9%.
• Rent of safe deposit boxes of different sizes with additional features.
• A wide credit system, represented by four programs. Credit "available" for everyday needs. "Corporate" for regular customers of the bank. "Exclusive" available to business leaders. "Reliable partner" for employees of organizations with a salary card from the bank.
• Uniastrum Bank also offers online services, which we will talk about later.
• Life, real estate and transport insurance.
• Services of opening and maintaining a bank account.
• Money transfers using Unistream and Western Union systems.
• Bank cards "Standard", "Corporate", "Travel Card" and "Visa Unistream".

Uniastrum Bank for Small Business

As already mentioned, the policy of Uniastrum Bank is more designed for the corporate sector, therefore the list of proposals for small businesses is quite impressive:

• The system provides for a large list of loans for small businesses, including for the creation and development of their own business. Average interest on a loan is 18% per annum.
• Uniastrum Bank is a bank with a developed system of deposits, therefore a similar service is also available for small businesses.
• Corporate cards.
• Cash collection services.
• Real estate leasing.
• Unique conditions for business in monotowns.
• RKO packages.
• Operations with promissory notes.
• Salary projects.

It is worth noting that Uniastrum Bank cooperates with many companies, since business ties have been established over 20 years since the opening of a financial and credit institution. A significant part of clients have been working with banks since the 90s of the last century. For corporate clients and small businesses, the bank provides a whole package of lucrative offers, which makes Uniastrum Bank the leader in the financial market in this area.

Uniastrum bank for corporate clients

Even more unique offers are provided for corporate clients, including:

• Lending under the U-Business Prime system, which makes it possible to borrow an amount exceeding 20 million rubles. It is also possible to take out a loan both in national currency and in dollars or euros.
• The following payment instruments are offered from bank cards: salary projects designed to work with a large number of employees, corporate cards, which have wider opportunities compared to ordinary plastic cards for individuals.
• Also, for corporate clients, VIP services are provided in the Uniastrum Bank-online system.
• Opportunities for deposits and leasing are open.
• Collection services.
• International payments.
• Trade and structured finance.
• Refinancing programs.

Uniastrum Bank: "Private Banking"

There is a special offer for special clients and partners - "Private Banking". Users get unique opportunities for cooperation, an individual approach and a lot of additional services and promotions. Let's consider some of the benefits that a client gets in the "Private Banking" category:

1. An individual approach is provided by a dedicated team of specialists who will answer all questions and help in all financial matters.
2. A unique card from Uniastrum Bank.
3. Personal terms of cooperation.
4. Special programs and unique privileges from the bank's partners.
5. All kinds of loyalty programs and premium bank services.

This is not a complete list of opportunities available to clients from the "Private Banking" category. To understand how different the status of a VIP client is from a regular one, you need to get into the “Private Banking” category.

Online banking from Uniastrum Bank

Online banking, like mobile banking, is available to all bank customers, but the opportunities for different categories differ significantly from each other. For individuals, ordinary online banking is provided, where the client of Uniastrum Bank can conduct financial transactions, conversions, pay bills, mobile communications and services of Internet providers.

For corporate clients and small businesses, the unique Freedom on-line and off-line service is available, which makes it possible to shift some financial responsibilities onto the shoulders of the bank. This is a unique proposition, since the owner of a business or enterprise can go on a business trip without worrying about the affairs of the company and manage the processes using the Internet. What are the functions of the Freedom on-line service:

• The client has the opportunity to control account balances and receive statements in electronic form from the bank.

• Also Uniastrum Bank offers to interact with the bank at a distance. That is, the client can manage accounts remotely, which greatly simplifies cooperation.
• Document exchange and accounting services. When this service is activated, the bank will deal with financial documents.

Among the advantages of the online banking service from Uniastrum Bank are the following:

1. Complete autonomy of the system. It is enough to configure the algorithm of actions once and the system will work without the participation of the client.
2. Security of cards, accounts and documents of Uniastrum Bank. All information passes through a cryptographic system, the reliability of which has been confirmed by the FSB. All documents participating in electronic document management are maximally protected.
3. Simple and intuitive site interface, created for the convenience of the client.
4. There are no additional requirements for installing software from Uniastrum Bank.

The Freedom online service is designed to improve the efficiency of the company by helping to manage finances from a distance. Thanks to the high level of protection, private documents are completely safe.

Basic plastic cards of Uniastrum Bank

Uniastrum Bank cards are divided into several categories:

1. Plastics for individuals, about which it was written above. Such payment instruments have a standard set of functions and capabilities. But the bank also has a special offer for individuals - Travel card. By ordering this card, the client receives a system of accumulating bonuses "miles", which can be exchanged for tickets, car rental services or hotel rooms. Miles can only be earned through purchases.
2. The second category of cards is corporate. They are created specifically for company employees on business trips. When a business trip is planned, the employee is issued a corporate card with a certain amount on the account.
3. The third category of cards is cards for VIP clients. It is hardly worth mentioning that all offers and services of the bank are available to holders of such cards.

Based on the foregoing, we can draw a conclusion. Bank Uniastrum actively developed cooperation with corporate clients, and reached certain heights in this matter. Today's private policy shows that the bank will become even more popular for the foreseeable future.