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Credit Europe BankBest bank offers
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Limit1 500 000 ₽
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0% interest60 days
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Cashback10%
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Ratefrom 24.9 %
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Limit1 500 000 ₽
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0% interest120 days
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CashbackNo
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Ratefrom 19.9 %
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Max. amount3 000 000 ₽
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Min. amount100 000 ₽
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Rate, %3,9%
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Loan termfrom 7 years
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No-fee cash withdrawalsUp to 0 RUB
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Interest on balanceUp to 16 %
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Cashback typePoints
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Cashbackup to 5 %
About the bank
Uralsib began operations in 1988 following the merger of three banks: Bashagrobank, Bashzhilsotsbank, and Bashprombank. In 1993, the Bashkreditbank Republican Investment and Credit Bank was established in Bashkortostan, becoming the republic's largest credit institution.
Until 1997, the company was the regional leader in the number of customers served, both individuals and legal entities. Later, Sberbank took the leading positions in the republic and across Russia as a whole.
In 2002, Bashkreditbank was renamed OJSC "Ural-Siberian Bank". Subsequently, it merged a number of organizations, including:
- OJSC JSB "Stroyvestbank";
- OJSC "UralSib";
- OJSC JSB "URALSIB-YUG BANK";
- OJSC "Avtobank-NIKoil";
- OJSC JSB "Bryansk People's Bank";
- OJSC AB "IBG NIKoil";
- OJSC JSB "Kuzbassugolbank".
In total, at least 10 Russian banks joined Uralsib. A bit later, the company entered the top ten largest financial institutions in Russia, and "Uralsib" became one of the most recognizable names in the banking sector.
Today, the bank's position has declined somewhat due to some companies operating with state capital participation. For this reason, Uralsib now consistently ranks among the top 30 institutions according to the Central Bank of the Russian Federation.
The key owner of Uralsib is Lyudmila Kogan, who owns an 81.8% stake. Another 11.3% is owned by the former owner and chairman of the board, Nikolai Tsvetkov.
Currently, the chairman of the bank's board is Alexei Sazonov, while the president of Uralsib and head of the supervisory board is Yevgeny Kogan.
The main clients of Uralsib are legal entities. However, the bank also provides services to regular citizens. As everywhere else, they have access to debit and credit cards, loans, mortgages, deposits, savings accounts, insurance, and investments.
Debit cards
Today, Uralsib offers the following debit cards:
- "Pribyl";
- “MIR Supreme”;
- "Mir Classic";
- "Honored Pensioner";
- "Uralsib Salary Card";
- "Salary Card for Public Sector Employees".
Credit cards
Among the credit cards available at the bank are:
- "120 Days to the Maximum";
- "Cashback Credit Card";
- “MIR Supreme”.
Lending
Uralsib offers the following lending programs:
- cash loan;
- refinancing;
- property-secured loan;
- auto loan for a new car from a dealership;
- auto loan for a used car from a dealership;
- unsecured auto loan;
- motorcycle loan;
- auto loan for a premium category car;
- mortgage with state support;
- mortgage for families with children;
- secondary market mortgage;
- mortgage for newly built housing;
- loan secured by real estate;
- commercial real estate mortgage.
Deposits and savings accounts
The following options are available for clients to save money:
- "Income" deposit;
- "Comfort" deposit;
- "Honored Pensioner" deposit;
- savings account;
- "Everyday" savings account;
- current account;
- nominal account.
Insurance
Uralsib also offers insurance programs:
- "Cozy Home";
- "Card Protection";
- "Happy Family";
- "Your Lawyer";
- "My Protection";
- "Help Nearby";
- "Active Child";
- "Reliable Neighbor".
Investments
For investors, Uralsib offers single-premium voluntary life insurance, regular-premium voluntary life insurance, and an individual investment account.
Advantages of Uralsib:
- Reliability — Uralsib is one of Russia's largest banks, ensuring its reliability and stability.
- Wide range of products and services — Uralsib offers its clients a broad spectrum of banking services, including loans, deposits, mortgages, credit and debit cards, and much more.
- Remote banking — the bank provides clients with the ability to manage their accounts and services via online banking and the mobile app.
- Individual approach — Uralsib strives to take into account the individual needs of each client.
- Technology-driven — the bank actively uses modern technologies to improve customer service, such as chatbots in the mobile app.
- Quick loan and card processing — Uralsib allows clients to quickly receive cards and loans thanks to online applications and fast review times.
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Reviews of the bank's products
All
I got the 120 Days to the Maximum credit card and here is what I will say... First, what is pleasing is the customer service. Everything is clear, fast, without unnecessary questions. All my requests and questions are resolved promptly. The card terms are also pleasing – the credit limit is sufficient, the interest rates are acceptable. It is very convenient that the card validity period is 120 days. Online banking works without a hitch, I always see the current balance and statements. It is convenient to make non-cash payments and card-to-card transfers. There are also auto-payments, which is very convenient for paying utility bills and other monthly expenses. The refund went smoothly, everything is fair and transparent. Cashback is also pleasing, albeit small, but nice. The application review time was minimal. In general, I am satisfied with the choice of this card and recommend it to my friends.
The most important thing I liked about the card from Uralsib is the 120 days interest-free. It really helps out. The service is also top-notch, the managers are polite. Online banking is convenient, the balance and statements are always visible. Auto-payments also work properly. Among the disadvantages - they reviewed the application for a long time, about a week. But overall I'm satisfied!
I have been using the 120 Days to the Maximum credit card from Uralsib for six months now. I took it to pay for small expenses on household appliances, and this choice suits me. The 120-day grace period is a great opportunity to save money. Customer service is at a high level, they always promptly answer questions and help. Balance and statements are always available in internet banking.
I ordered a debit card at Uralsib and am satisfied with the service. The application was reviewed quickly, and the card arrived on time. Online banking is convenient; I make all payments and auto-payments through it. Fees are low, and there is cashback, which is a nice bonus. The interest on the balance is also pleasing, but they drag out refunds, which is a downside. Overall, I am satisfied!
I got the "Pribyl" debit card from Uralsib for purchases and daily expenses. I like that I don't have to worry about fees and that there is cashback. The convenient mobile app allows me to track expenses. I recommend this card for convenience and savings.
Greetings to all! I recently got the Pribyl (Profit) debit card from Uralsib. The card was made quickly, which I didn't even expect. Their internet banking is also decent, making it easy to track balances and transactions. I haven't noticed any fees yet, but we'll see. Card maintenance is free, which is nice. There is also cashback, though I haven't used it yet. Anyway, everything is fine so far, I'll keep testing it.
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Editorial auto-review: Cash loan at Uralsib is a program for borrowers aged 21 and older, offering up to 3,000,000 RUB for a term of up to 7 years. The minimum loan amount is 100,000 RUB, making the product focused on medium and large expenses. The application is reviewed quickly — from 10 minutes, which is convenient when there is an urgent financial need. Lending terms imply an individual calculation of the rate, which can start from 3.9% per annum. The final overpayment depends on the amount, term, and the bank's assessment of the client's solvency. The product is available for processing both at branches and online via an application on the website. It is important to consider that the final decision and transaction parameters are approved by the bank after analyzing the applicant's financial situation. Before submitting an application, you should read the full terms of the agreement and the payment schedule.
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