Bank Zenit
Renaissance Bank
LOCO-Bank
T-Bank
Bank Sinara
Credit Europe BankPochta Bank
A joint project of Russian Post and VTB
Best bank offers
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Max. amount6 000 000 ₽
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Min. amount10 000 ₽
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Rate, %11,9%
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Loan termfrom 7 years
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Limit1 500 000 ₽
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0% interest120 days
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Cashback30%
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Ratefrom 39.8 %
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Max. amount6 000 000 ₽
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Min. amount10 000 ₽
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Rate, %23,9%
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Loan termfrom 7 years
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Max. amount6 000 000 ₽
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Min. amount10 000 ₽
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Rate, %11,9%
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Loan termfrom 7 years
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 10 %
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No-fee cash withdrawalsUp to 300,000 RUB
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Interest on balanceUp to 5 %
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Cashback typePoints
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Cashbackup to 30 %
Archived bank offers
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Limit150 000 ₽
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0% interestup to 100 days
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Cashback10%
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Ratefrom 22.9 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 10 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 10 %
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No-fee cash withdrawalsUp to 50,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
About the bank
Pochta Bank was founded on the basis of Leto Bank, which was part of the VTB Group. The predecessor credit institution had been operating on the market since 2012, and in 2016 it became a new company. Leto Bank was a popular bank with hundreds of sales outlets across the country, specializing in retail banking services across various sectors. Pochta Bank has maintained these development trends.
In 2015, Russian Post and VTB signed an agreement to launch a new project in which they would hold equal shares. According to the agreement, financial service counters were to be opened in nearly a third of Russian Post offices. This plan was implemented quite quickly.
Today, Pochta Bank is one of the youngest and fastest-growing banks in Russia. It is actively working toward its goal of entering the top three largest financial institutions in the country. Within just three years of operation, the bank achieved the following results (as of early 2020):
- 20th place in the ranking of Russian banks by asset volume;
- 25th place by net profit;
- 14th place by loan portfolio volume;
- 10th place by individual deposit volume.
Today, the owners of Pochta Bank are VTB Bank PJSC and Post Finance LLC, each holding a 49.9% stake. The remaining two shares are held by the bank's President and Chairman of the Management Board, Alexander Pakhomov.
The main activity of Pochta Bank is providing services to individuals. Special terms are available for pension recipients, including dedicated loan programs, deposits, and debit and credit cards.
Bank cards
Today, Pochta Bank clients have access to the following credit cards:
- "VezdeDohod";
- "Dengi i vse!".
The bank offers significantly more debit cards. Clients can apply for the following cards:
- "Moya karta";
- "Pushkinskaya karta";
- “Mir Supreme”;
- "Magnit";
- "Pyaterochka";
- "Mir";
- "Zabota" urban discount card;
- virtual Mir card;
- “Online Card 2.0”.
Lending
The following loan programs are available to borrowers:
- cash loan;
- refinancing;
- home construction loan;
- loan for pensioners;
- purchase on credit;
- card loan;
- loan for any purpose;
- mortgage.
Deposits and savings accounts
To save money, Pochta Bank offers the following savings accounts and deposits:
- New Year deposit;
- "Welcome" deposit;
- “Hot Season” deposit;
- Pension deposit;
- “Safe” savings account;
- savings account.
For pensioners
Exclusively for pensioners, Pochta Bank offers:
- loan for pensioners;
- Pension deposit;
- card for pensioners;
- receiving pension at Pochta Bank.
Among the advantages of Pochta Bank, we can highlight the following:
- Reliability and stability — the bank has a high reliability rating from international rating agencies.
- Wide range of services — Pochta Bank offers lending services, deposits, debit and credit cards, investment products, and much more.
- High quality of service — the bank strives to provide quality service and an individual approach to each client.
- Loyalty programs — Pochta Bank offers various loyalty programs, including discounts on services and goods from the bank's partners.
- Developed network of branches and ATMs — the bank has a wide network of branches and ATMs for customer convenience.
- Participation in government projects: Pochta Bank actively supports small and medium-sized businesses, mortgage lending, and other social projects.
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Reviews of the bank's products
All
Got the "VezdeDohod" card from Pochta Bank. It's convenient for buying groceries and paying utility bills. The terms are transparent, and communicating with managers is comfortable.
Applied for the VezdeDohod card at Pochta Bank. The application was reviewed quickly, despite my less-than-ideal credit history. Good limit, convenient online banking. I use cashless payments, and the cashback is a nice bonus. Autopayments are a lifesaver!
Got a credit card at Pochta Bank — VezdeDohod. I'll say right away, it was approved quickly, even though my credit history isn't ideal. Customer service is top-notch; they always help and advise. I use the card actively, cashless payments, card-to-card transfers, everything works without a hitch. And it's also cool that there's a loyalty program, bonuses keep dripping in. But there are also downsides. Cashback leaves much to be desired, they drag it out as long as possible. So overall it's fine, but there is room for improvement.
I have been using the Pochta Bank card for six months already. It is convenient that you can immediately transfer money from card to card, and the commissions are minimal. Online banking works without failures, and all payments go through quickly. I am especially pleased with the cashback and loyalty programs!
I used the services of Pochta Bank by ordering the "Moya Karta" debit card. It is very convenient that you can set up auto-payments and not worry about paying bills on time. The commissions are minimal, which was a pleasant surprise.
I applied for the "Moya Karta" card to pay for online purchases and withdraw cash with no fee. Quick processing, great terms of use, and reliable fraud protection. I was especially pleased with the ability to change the PIN right in the app.
No reviews yet.
Editorial auto-review: Refinancing at Pochta Bank is a loan product with an amount from 10,000 to 6,000,000 RUB and a term of up to 7 years (84 months). The rate is stated from 11.9%. The bank makes a decision on the application starting from 10 minutes. The borrower must be at least 18 years old. The product is intended for refinancing existing loans; terms and final approval depend on the borrower's financial situation. Details are in the card on sravnim24.ru.
Editorial auto-review: Education Loan from Pochta Bank is a targeted program for financing studies. Applications can be submitted from the age of 18, the loan term reaches up to 7 years, and the amount ranges from 10,000 to 6,000,000 RUB. The rate stated by the bank starts from 11.9% per annum. A decision on the application is made in approximately 15 minutes, which is convenient when facing tight deadlines for paying tuition fees. It is important to keep in mind that the final terms depend on the borrower's individual creditworthiness, the amount, and the chosen term. The product is positioned as a tool for investing in education, but before applying, one should carefully review the full cost of the loan and the repayment schedule.
Customer reviews of the bank
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