Retail Lending Programs
- Contingency loans;
- Unsecured consumer loan;
- No-purpose consumer loans against security of immovable property;
- Loan “Sadovod” – special offer for current or prospect allotment holders;
- Loans for engineering services (water supply, drain system, electrification, heating system, etc.);
- Special lending programs for pensioners;
- Educational loans;
- Loan “Reliable customer” – for the bank’s clients with impeccable credit history;
- Refinancing of consumer loans.
Loans extended for the purchase of new or used cars.
- Special terms on mortgage lending for young families, and in case of using the parent (family) capital;
- Special mortgage lending program for individuals – members of Savings and Mortgage System of Housing Provision for Servicemen.
Loans for the development of personal household plots
- Subsidized lending for the development of personal household plots;
- Loan “Successful Partner” – a special program for customers who have already taken the loan for the development of personal household plots;
- Loan secured by the purchased equipment;
- Refinancing of loans for the development of personal household plots.
Credit card with a grace period
Russian Agricultural Bank credit card with a grace period is a convenient financial tool, which allows purchasing of products and/or services at any time, at the expense of the credit limit on the card without the necessity to confirming the target use and to go to the nearest office.
Deposits and Customer Accounts
Russian Agricultural Bank also provides its clients such traditional banking services as maintenance of accounts, depositation, money transfers and insurance of deposits.
Money Transfers and Payments
- Money transfers without opening an account;
- Western Union Money Transfer system;
- COINSTAR Money Transfer system;
- Payments for utility and housing maintenance services and other.
Foreign Exchange Transactions
Russian Agricultural Bank offers the following operations with foreign currency:
- Purchase of foreign currency for the currency of the Russian Federation;
- Sale of foreign currency for the currency of the Russian Federation;
- Sale of foreign currency of one foreign state (group of states) for currency of other foreign state (group of states) (FX conversion);
- Taking in of banknotes of foreign state (group of states) and banknotes of the Bank of Russia which are suspected to be fraudulent for their authenticity verification;
- Taking in of foreign currency cash for proceeding of out-going transfer from the Russian Federation on individual customer`s order with no account opened (excluding post transfers);
- Taking in of the currency of the Russian Federation for proceeding of money transfer from the Russian Federation on individual customer`s order (excluding post transfers);
- Paying out in foreign currency cash of in-coming transfers to the Russian Federation with no account opened for benefit of an individual;
- Paying out in the currency of the Russian Federation of in-coming transfers to the Russian Federation with no account opened for benefit of an individual;
- Depositing of foreign currency cash to customer accounts in foreign currency;
- Paying out of cash in foreign currency from accounts in foreign currency;
- Paying out of cash in the currency of the Russian Federation from individual accounts in foreign currency;
- Depositing of cash in the currency of the Russian Federation to individual accounts via payment cards;
- Paying out of cash in the currency of the Russian Federation from individual accounts via payment cards;
- Depositing of cash in foreign currency to individual accounts via payment cards;
- Paying out of cash in foreign currency from individual accounts via payment cards;
- Changing of a banknote (banknotes) of a foreign state (group of states) to a banknote (banknotes) of the same foreign state (group of states);
- Replacement of a damaged banknote (banknotes) of a foreign state (group of states) for an intact banknote (banknotes) of the same state (group of states).
Precious Coins Operations
Commemorative precious coins have a high level of decoration and impeccable quality coinage. These are collector's coins. The issue of commemorative precious coins is dedicated to the anniversaries, memorial dates, significant historical events, and relevant cultural and environmental issues.
Bullion precious coins are the production of traditional highly-automated embossing that is issued in mass edition of up to several million pieces. Transactions with bullion precious coins are mainly used as a tool for investing surplus funds, as the cost of such coins is close to the value of precious metals contained in the coin.
Depersonalized metal accounts and bullion
Russian Agricultural Bank opens depersonalized metal accounts in gold, silver, platinum and palladium, as well as buys and sells precious metals bullion.
Safety Deposit Box
Russian Agricultural Bank offers to corporate and retail customers to lease individual safety deposit boxes to store cash, jewelry, securities, documents and other valuables. For the provision of this service the bank charges commission in accordance with the applicable tariffs.
Premium Banking Service
Russian Agricultural Bank’s Premium Banking Service is a high-quality work with private clients to provide integrated and comprehensive financial services.
Individual financial decisions for each client
Each client that uses the Premium Banking Service of Russian Agricultural Bank is an individual, and depending on the separate financial situation and client’s needs the Bank suggests and implements personal solutions to achieve the goals set.
Comprehensive financial services
Through its Premium Banking Service, Russian Agricultural Bank offers a full range of financial products and services for private clients and their families.
Personal manager for any banking operation
The main advantage of the Premium Banking Service is the personal manager who will recommend and implement personalized financial solutions using the full potential of one of the largest banks in Russia.
Privacy and bank secrecy
Premium Banking Service ensures rigorous privacy and banking secrecy to the Bank’s clients
The basic factor to satisfy client’s needs is the development of an individual financial strategy implemented in the Premium banking services. Individual financial strategy is a forward looking plan that is reviewed and adjusted according to changes in the personal situation of the client and the macroeconomic environment. Personal manager provided under the Premium banking services specifies details of the client’s current situation and on the basis of information received selects products that will meet the stated objectives and the client’s time horizons.
Classic banking services
- Range of term deposits in rubles and foreign currency;
- Settlements and cash operations;
- Money transfers without opening an account;
- Premium payment cards;
- Online banking (Internet-office);
- Non-cash and cash foreign exchange transactions;
- Personal loans.
- Brokerage service;
- Transactions with bullion and collector’s precious coins.
- Personal manager;
- Concierge service;
- Promotions and offers from our partners.