Individual Customers

Russian Agricultural Bank provides a wide range of high-quality banking services to retail customers, including farmers, personal households owners, and individuals residing in small towns and rural areas.

Retail Lending Programs

Consumer loans

  • Uncollateralized /collateralized consumer loans;
  • Consumer loans against pledge of immovable property;
  • Loan “Sadovod” – special offer for land plot owners;
  • 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;
  • “Pre-approved” loan;
  • Re-equipment of vehicle to gas fuel;
  • Refinancing of consumer loans.

Car loans

Loans extended for the purchase of new or used cars.

Mortgage loans

  • 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.

Credit cards

  • Credit cards with grace period;
  • Credit cards with cashback;
  • Credit cards with bonuses/donations feature. 

Deposits and Customer Accounts

Russian Agricultural Bank also provides its clients such traditional banking services as maintenance of accounts, depositing, money transfers and insurance of deposits.

The Bank offers special deposit products:

  • accounts used in accordance with Federal Law No. 44-FZ dated April 5, 2013 “On the Contract System in the Procurement of Goods, Works, Services for State and Municipal Needs”
  • escrow accounts used to carry out settlements under agreements of co-funded construction.

Money Transfers and Payments

  • Money transfers without opening an account;

  • Western Union Money Transfer system;
  • Unistream 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;
  • 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 Metals and Coins Operations

Investment coins

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. 


Premium package

Ultra package

  • Priority servicing at POS, dedicated phone line
  • Deposits
  • Settlements and cash operations
  • Mutual investment funds
  • Trust management
  • Brokerage services
  • Premium payment cards
  • Online banking (Internet-Bank)
  • Safe deposit boxes rental
  • Non-cash and cash foreign exchange transactions
  • Priority servicing at POS, dedicated phone line
  • Savings and investment solutions
  • Deposits
  • Brokerage services
  • Mutual investment funds
  • Trust management
  • Premium payment cards
  • Safe deposit boxes rental
  • Non-cash and cash foreign exchange transactions
  • Transactions with bullion and precious coins
  • Online banking (Internet-Bank)