/ / Bank "Avangard": reviews, conditions, features and services

Bank Avangard: reviews, conditions, features and services

Bank Avangard is in the top twentyefficient banks of our country. A credit institution is constantly actively developing, offering innovative banking services to its clients.

Bank employees.

The current position of the bank

Bank Avangard was created 24 years ago andinitially carried out its activities under the name of the battery "Sadr". Since the summer of 1996, the bank began to wear the modern name Avangard. Today, it is part of a large group that includes enterprises of the agro-industrial sector and financial companies. The members of the group are such powerful enterprises as Avangard-Agro OJSC and Avangard-Garant CJSC. Avangard-Agro is one of the largest agricultural producers in our country. He specializes in growing crops and producing malt.

Банк "Авангард" является универсальным commercial bank providing a full range of banking services. At the same time, judging by the reviews on Avangard, credit institutions have developed unique high-tech financial products for the Russian market.

The president and chairman of the bank’s board is Kirill Minovalov, who owns a controlling stake. Other minority shareholders account for less than one percent of the shares.

Физическим лицам "Авангард" может предложить deposits, bank cards, car loans, transfers, operations with securities. The institution has already issued more than three million bank cards of the payment systems Visa and MasterCard.

Legal entities serviced at a bankcredit, collection, acquiring services, remote services, issuance of corporate cards and much more are available. Among the clients of the bank were such powerful large companies as Sedin, Gidropress OJSC, Samara Valve Plant. Bank Avangard has more than one hundred thousand corporate and one million private clients.

In the first half of last year 2017,Bank assets showed a decrease of almost seven billion rubles. The decrease in assets was due to the repayment of liabilities on its own securities by 2.5 billion rubles, as well as the reduction of the portfolio of attracted loans by three billion rubles and the outflow of legal entities by almost one million rubles. There was an increase in equity of almost a million rubles, retail deposits and balances on correspondent accounts. In the active part of the balance, a decrease in the loan portfolio is observed.

Обладателем премий "Лучший корпоративный банк Russia 2017 "and" The Best Internet Bank of Russia 2017 "is Avangard Bank. According to customer feedback on the establishment, it is not for nothing that we have these honorary titles. This financial institution was recognized last year as the leader in the national ranking of the portal Banki.ru.

Feedback on work in the bank "Avangard" on the already mentioned site is mostly positive.

Normative indicators

Bank employees.

In the winter of this year, the rating agency Moody’s Investors Service confirmed the bank’s rating of B2 / NP.

Avangard is a large institution in our country. At the beginning of the year it takes:

  • 56 place in terms of assets;
  • fortieth place in terms of equity;
  • seventeenth place in terms of profit to average assets for the previous year;
  • 23 place in terms of profit to the average amount of capital for the previous year.

Customer reviews on loans, Avangard deposits indicate a developed line of banking products developed in this credit institution.

head office

According to reviews of the bank "Avangard", in MoscowOffices are located in all districts of the capital, which is very convenient. Offices are located near bus stops (buses, subways) and highways.

The central office of the bank is located at the address: Sadovnicheskaya Street, 12 in Moscow.

Testimonials from Avangard Bank Employees Confirmthat in the capital there are several dozens of offices serving daily a huge stream of individuals and legal entities that are already clients of this credit institution or only wish to become them.

The branch network of the bank includes a branch inthe northern capital, St. Petersburg, nineteen representative offices, 98 offices, fourteen operating cash desks outside the cash hub, 135 credit and cash offices and thirteen operating offices. ATM network of the bank "Avangard" has more than six hundred payment devices.

Work in the bank "Avangard"

Bank team.

Reviews about the employer ("Vanguard") in the majorityits are positive. The average number of bank employees is 4446 people. In its personnel policy, the bank focuses primarily on a combination of professionalism and enthusiasm, banking experience with the ambitions of novice employees who do not have experience in the banking sector.

According to the corporate reviews of the Avangard Bank employees about the employer, it can be determined that work in the institution brings stability, good income and development of professional skills.

To become an employee of one of the largest financial institutions in the country, you must meet the following requirements:

  • Dedication, activity.
  • The ability to quickly make decisions, take responsibility for them.
  • The desire to work in a team.

According to feedbacks from employees of the Avangard Bank,The management of this financial institution appreciates the energy, initiative, intelligence, ability and willingness to master new directions in the bank and holding companies. Today, the dynamically developing Avangard leads an active set of professionals, reviews CVs of candidates in areas of interest to it. If a citizen has banking experience and it is interesting to try yourself at Avangard Bank, then you should send your resume to the email address specified on the official website of the bank.

Deposits

Deposits in rubles and foreign currency.

In the bank "Avangard" for any client will select the most convenient and profitable deposits. According to customer feedback from Avangard Bank, the institution has developed a whole line of deposits:

  • Currency deposits can be rubles, dollars or euros.
  • Periods of placement of funds range from ten days to two years.
  • The possibility of opening a deposit is available in the bank office and via the Internet bank.
  • Interest may be paid at the end of the deposit term or on a monthly basis.
  • Automatic prolongation is provided for all deposits opened in bank branches.

According to reviews of Avangard Bank clients about the services of an institution, it can be found out that all customers who open a deposit are offered a debit card as a gift, on which interest can be transferred.

Deposits that can be opened at the bank’s offices are called “Basic” and “Rentier”. Deposits that can be opened on the Internet bank are called Basic Internet and Multicurrency Internet.

According to reviews of the bank "Avangard", the prolongation of the deposit "Passbook" is still allowed. New contributions to this program do not open.

Bank Avangard is included in the register of bankswhich are participants of the deposit insurance system on a mandatory basis under the number 128. Deposits of a credit institution are insured in accordance with the law on insurance of deposits of citizens of a country in financial institutions.

Bank cards

The main direction of work with private clients is the issue of bank cards:

  • Avangard Bank is the first credit institution in our country to offer credit cards with a crediting period of up to two hundred days without interest.
  • The bank also offers a range of financial services for travelers.
  • Using Avangard cards you can get privileges for using the card when purchasing goods. For bonuses you can, for example, purchase tickets for trains and airplanes in the Internet bank.

Bank Avangard issues emission bank cards of all payment systems. According to reviews of the bank "Avangard", the cards enable:

  • Withdraw cash without cash own funds in bank ATMs.
  • Use programs and additional services for cardholders.
  • Get bonuses for card purchases.

Payment cards allow you to make any payments on the card within the funds available on it. Terms and conditions for issuing a debit card at Avangard Bank:

  • The deadline is five working days.
  • Notification via messages to the phone and online banking is provided to customers for free.

Joint projects

Bank Avangard together with some companiesand public organizations issue bank cards of unique design, which provide their holders with additional opportunities:

  • The ability to buy goods, use the services of the bank’s partners and receive discounts and bonuses from the Avangard Bank. Discounts reach thirty percent for the purchase of goods.
  • Use of additional services.For example, when issuing a Priority Pass card, the client gets access to first class lounges, premium service halls or business lounges at airports in all parts of the globe. A map of the international community of aviation passengers gives you the right to receive discounts when staying in hotels around the world.
  • The possibility of lending with a grace period of up to fifty days.
  • Notification via messages to the phone and online banking is provided to customers for free.

Promotion "Bring friends"

Promotion

In the bank "Avangard" launched the program "Bring friends." A citizen can receive free miles for a recommendation given to a friend or friend to issue a bank credit card. Within the program:

  • The card is issued only to new clients of a credit institution who have never had a Avangard bank card before this point.
  • If the client is a bank card holder, then its service until the end of the validity period will be free for him.

Car loans

Bank Avangard offers its customers car loans on the following terms:

  • For the purchase of cars of foreign brands, produced abroad or in our country, without a run.
  • For the purchase of passenger cars of foreign brands produced abroad or in our country, without a run.
  • There is no requirement for compulsory insurance of transport and the client.
  • There is no requirement to provide a client’s income statement.

Testimonials from employees of the Avangard Bank testify to the demand for auto loans issued by Avangard Bank. The loan is issued by transferring funds to a Visa Auto credit card.

Lending criteria on the security of a car in the bank "Avangard":

  • The loan is issued for a period of one to five years for the purchase of a car and for a period of one to two years for the purchase of a passenger commercial vehicle.
  • The currency of the loan can be rubles, dollars or euros.
  • The interest rate is eleven percent when receiving a loan in foreign currency and eighteen percent - in rubles.
  • The initial payment must be at least thirty percent of the value of the car.
  • The term for consideration of an application for a loan is not more than three working days from the moment all required documents are submitted to a credit institution.
  • Commission for transfer to payment of transport when paying with a Visa Auto card is not charged. If the settlement is by bank transfer, the commission will be two percent of the loan amount.

Getting a car loan consists of six steps:

  1. Filling out an application for a loan at a bank or on its website.
  2. Receive notification of the decision of the credit institution within three working days from the date of the provision of the full package of required documents.
  3. Choosing a car to be bought in any auto show. Registration of the contract of sale between the client and the car dealership.
  4. The transfer of the down payment for the purchase of a car from the borrower's own funds.
  5. Signing a loan agreement with the bank. According to customer reviews, the obligatory presence of the borrower's spouse or spouse is required when signing a loan agreement in the Avangard Bank.
  6. Getting a loan. Payment of the selected car.

The advantages of the Visa Auto card are the following points:

  • Free card issue.
  • Setting a credit limit for each client individually.
  • Grace period of up to fifty days.
  • Notification via messages to the phone and online bank are provided to customers for free.
  • The possibility of receiving bonuses from the bank in the form of returning to the card one percent of the amount of purchases made.
  • The annual gift from the bank in the form of crediting 250 rubles to the client card.
  • A discount of 25 percent for goods and services under the discount program of a credit institution.
  • Additional bonuses and discounts on the program "Visa Bonus".

Cards with a credit limit

Bank Avangard.

According to consumer reviews, Avangard Bank credit cards allow you to use the credit limit at any time. The terms of the loan are as follows:

  • The first grace period is two hundred days and is provided free of charge.
  • In the future, grace periods are up to fifty days free of charge.
  • The credit card issue takes five business days.
  • Notification via messages to the phone and online bank are provided to customers for free.

Corporate sector

Gifts and bonuses.

For legal entities Bank Avangard providesa wide range of services. A credit institution is always, above all, focused on a comprehensive settlement and cash services for its corporate clients. The bulk of the customer base of the bank "Avangard" are small and medium-sized businesses, as well as individual entrepreneurs. There are large holdings, especially the agribusiness sector, which use the cash and settlement services of a credit institution. The Bank provides an opportunity for large organizations to receive full reporting in real time for all subsidiaries.

The main advantage of Avangard services,operating in real time, is that all possible operations are transferred to the remote maintenance system. This does not require that employees of organizations go to a credit institution and, accordingly, distract them from office work. Every day, the bank makes over fifty thousand payments made in all regions of the credit institution’s presence through the virtual Internet network.

Bank Avangard takes care of each of itscorporate client, so he tries in a short time to open their accounts in the required currency. The Bank serves legal entities, individual entrepreneurs, residents and non-residents of our country in 75 cities.

More than one hundred thousand legal entities at the momentare at the settlement and cash services in the bank "Avangard". The main advantages of settlement and cash services in a credit institution are:

  • Low cost of service in the bank.
  • Very convenient and easy to install online banking.
  • Cash and settlement services are carried out in three hundred offices of the bank.
  • Convenient information through messages to the phone for the PI.

Reviews about the bank "Avangard" characterize a credit institution as a first-class institution for mutually beneficial cooperation.

An application for opening a current account by a legal entity or a business owner is promptly completed in three stages on the bank’s website:

  1. Fill out the application on the official website of the institution.
  2. Required documents are uploaded.
  3. The client comes to the bank office with the original documents and opens an account.

Outcomes

Согласно отзывам сотрудников, банк "Авангард" is a dynamically developing credit institution. The greatest strength of the bank is the widespread use of innovative banking technologies in the activities of the institution. Products developed by bank specialists are unique and inimitable. Judging by the reviews, Avangard Bank is constantly developing, expanding the list of services provided.

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