As you name the ship, so it will float. Bank-Client system "ELBRUS Internet" - a new system of remote banking services... Whoever came up with the name for this system probably meant the highest peak, an unattainable height. I (and not only me) have an association with a stratovolcano that is about to explode.
The story is briefly as follows. Lived - did not grieve a couple of my companies. First in Impexbank, then in the branches of CJSC and here it is - mergers & acquisitions and we are clients of CJSC Raiffeisenank itself. Before that they used the "Electronic Office", they did not know the troubles, but the collective farm is a voluntary matter and we were transferred to new system- Elbrus.
1. A complex system of settings for the program itself. I am quite an experienced user, but it took me 4 hours to set up according to the algorithm provided. I can imagine how many weeks it would take an accountant.
2. The program is difficult not only for users, but also for technical support staff, since the signed keys at company # 1, submitted earlier, are activated with bugs, keys # 2 from another company, given later, are already activated, but also not immediately.
3. Safety is the main argument for the transition to a new system, voiced by employees (right, what else is left for them ?!). What security? What are you talking about? Yes, by one correspondence with technical support and sent screenshots with a hacked email, you can find out so much that no crypto-keys are needed. In addition, previously, to enter the Electronic Office, it was required to have an electronic key, login and password. Now - a username and password are enough to enter. And already for operations - the key. Is this a security enhancement?
4. There is no communication inside the bank. You seem to call the place where your money is kept - to a financial institution, ZAO Raiffeisenbank, but it turns out that Elbrus technical support cannot (or does not want) to call the office on Leninsky, 148 and ask your colleagues, I emphasize - their own colleagues - send the missing information to them (which we provided to the office). "Call them yourself, it will work out faster this way" - what is this anyway? Are there two different Raiffeisens? Operator Andrey Viktorovich K. in the period 14: 15-14: 25.
5. Inconvenience. Previously, having a flash drive with keys, you could make a payment from anywhere, whether it was your computer or not. Now, without dancing with tambourines, it will not work. Previously, I and the accountant sent payment orders. Now only I can send, the accountant has access only to create payments. Previously, the account movement was displayed in real time. Today, since Elbrus was in a fog, they took the payment order to the bank, made the payment. The remainder has not changed. This means that by forging the signature and seal (which is much easier than forging some crypto-keys there), having made a power of attorney, you can send money to the Horns and Hooves firm and the gendir will find out about it only tomorrow. This is again to the question of security.
Maybe it's a matter of habit. I do not like.
About Raiffeisenbank's client bank
Like any serious banking institution, Raiffeisenbank offers its clients who have entered into an agreement for settlement cash service to sign an additional agreement to it, providing for the use of the system of Raiffeisenbank's bank-client - Elbrus Raiffeisen.
How to connect to Elbrus Raiffeisen
After signing an additional agreement to the cash settlement agreement on the use of the bank-client, the bank employee will give you an envelope with a login and password to access the system, as well as a USB device - USB-token. It is necessary to generate an electronic signature on this device using specialized software - an analogue of the handwritten signature of the key owner. To do this, you need to go to the login page in Elbrus system Raiffesen - elbrus.raiffeisen.ru and enter the login and password received at the bank, then follow the instructions for generating a digital signature. After the completion of the generation procedure, it is necessary to print the key certificate and hand it over to the bank employee to complete the procedure for activating the electronic signature. After that, you can start working in the system.
Elbrus Raiffeisen Opportunities
This service allows you to manage your account without going to the office, prepare and transfer payment orders, convert currency, and make international payments. Each payment order is automatically checked for correctness. Plus, you can create a payment order template and save yourself the hassle of re-entering the same data.
Elbrus Raiffesen allows users to customize the program interface for themselves. Especially for large organizations, the possibility of functioning of this program on a local network is implemented, as well as the ability to connect almost all known on this moment databases. Constantly updated directories, connected to most of the input forms, the availability of the autocomplete function significantly speeds up the preparation of payment orders and increases the correctness of their filling.
Many of the bank's clients, when logging into the system for the first time, enter “elbrus raiffeisen ru” instead of the address to enter the bank-client of Raiffeisenbank and, naturally, do not get to the Elbrus Raiffeisen authorization page. Apparently, this is due to the fact that in the instructions for the initial login, this link is underlined and the dots between the words are not very visible, so inexperienced computer users make mistakes and they have to call customer support.
Safety Elbrus Raiffeisen
Raiffeisenbank's client bank is one of the most reliable Internet systems for accessing a legal entity's account. No payment order can be accepted by the bank without performing the encryption procedure and signing with an analogue of the client's handwritten signature. The system implements the possibility of mandatory presence in payment order two signatures (as a rule, the head of the organization and the accountant), which excludes the possibility of unauthorized spending of funds. The unblocking of the client's electronic signature occurs only after passing the identification procedure in accordance with the identity document, and verification of the signature on the certificate and on the card with sample signatures on the side of the bank.
Bank-client "Elbrus" is a system for corporate clients, developed and intended for remote implementation banking operations... Thanks to this system, legal entities can save time on personal visits to the bank branch and preparation of documents.
The Elbrus system allows you to submit payment orders, as well as create applications for implementation currency transactions, placement of deposits, registration of loans, as well as the opening of foreign trade and ruble letters of credit.
Raiffeisen. Elbrus system: registration
To work in the bank-client "Elbrus" it is necessary to conclude a corresponding agreement with the bank and receive an envelope with a login and password for entering the personal account of the system at the bank branch, as well as a device for storing electronic keys USB-Token.
After that, you will need to install the Elbrus client on your computer, having previously checked the software requirements. At the moment, for the correct operation of the client bank, it is required:
- operating system Windows 7/8 in case USB-Token will be used for signing;
- the current version of the browsers Internet Explorer, Mozila Firefox, Google Chrome, etc.
- updated version of JavaScript;
- installed USB-Token driver, which can be downloaded from the bank's website;
- licensed, regularly updated antivirus;
- constant access to the Internet.
After installing the USB-token and CryptoPRO programs, which can be downloaded from the Raiffeisenbank website, you can go to the Elbrus system website through your browser. You can enter your personal account using the previously obtained login and password. After the first login, the system will prompt you to change your password and set latest version CryptoPlugin. After installing it and restarting the browser, you will have access to cryptographic operations.
To generate HSA keys, follow the system prompts and the user manual also available on the website.
Raiffeisen "Elbrus": personal account
With the help of the personal account of the Elbrus system, the user can not only submit payment orders, but also carry out transactions of transfer, purchase, sale and conversion of currency, as well as open deposits and create applications for obtaining loans. With the help of Elbrus, you can revoke submitted applications, view statements on transactions made for any period of time, and also receive information about balances on opened by the client accounts.
The system is integrated with automated systems accounting and management, such as, for example, 1C, which allows you to exchange data with them. An important advantage of the bank-client is that the documents are checked automatically, and you can avoid mistakes when filling them out using the directories available to the user. All this helps to avoid mistakes when filling out forms.
Working with a client bank allows you to reduce the cost of cash services, as well as save time on the preparation and processing of payment documents, since all these operations can be performed at any time from anywhere in the world. In addition, transactions in most cases are carried out on the same day, and the status of accounts is displayed in real time.
Raiffeisenbank "Elbrus": security
The main means of protection of documents drawn up in the bank-client "Elbrus" - electronic signatures... They protect them from unauthorized changes and tampering. Signatures can be endorsed, single, first, second, etc. Also, depending on the number of signatures required for the document, it is assigned the statuses - unsigned, partially signed and signed. A partially signed document can be changed by first removing the existing signatures from it. At the same time, only fully signed, correctly completed documents can be sent to the bank.
Most financial corporations provide support to small and medium-sized businesses. For the development and prosperity of any business, you need round-the-clock support and control. Raiffeisenbank is no exception and offers its customers online business management systems.
Modern solutions for doing business from Raiffeisenbank
In order for the entrepreneur to concentrate on the development of new ideas, Raiffeisenbank offers an online business system for effective management of his own business. All customer wishes are included in the system interface. After logging into the Raiffeisen Business Online system, the client will see on home page all points of interest to him.
After entering the personal account, by making just a couple of mouse clicks, the client can see the entire history of transactions performed in the system. The entrepreneur can see the status of the transactions made by him or download the necessary payment document to resend it.
The available option to customize Internet Banking in accordance with the needs of the entrepreneur makes it even more convenient to use.
Raiffeisenbank is committed to continuous improvement of service. That is why it is planned to introduce new functions into the existing Business Online system. For example, it is planned to import payments from 1C. After the introduction of this innovation, a person does not have to manually enter payment details each time.
Also, it is planned to create a special chat in which an entrepreneur can ask a bank employee a question of interest to him online.
It is planned to accelerate the sending of payments to the company's counterparties. Payment templates for expedited dispatch will be created shortly.
Customer feedback is very important to Raiffeisenbank. That is why the development of Internet banking is carried out taking into account their wishes.
Business development card from Raiffeisenbank 24/7
The 24/7 card from Raiffeisenbank was created for the simplified deposit of cash to the company's current account. It is possible to open an unlimited number of cards linked to current account firms. Such a product is issued to the authorized persons of the company.
With the card 24/7, you can deposit and withdraw cash from Raiffeisenbank ATMs without additional fees. Having issued a Raiffeisenbank card with the "Business 24/7" Cash in tariff, an entrepreneur will only be able to deposit cash into the current account. Withdrawing funds from such a card will be impossible.
Among the advantages of such a card are the following:
- The card is issued to the current account in rubles;
- You can deposit and withdraw cash without any restrictions;
- All transactions are monitored using SMS-informing.
Having issued such a card, an entrepreneur will be able to save on cash collection services. Raiffeisenbank cards for small businesses will become a reliable assistant, because the security of transactions is controlled by a chip and an individual PIN code. With its help, it is impossible to pay on the Internet for purchases made.
Business cards from Raiffeisenbank
Business cards from Raiffeisenbank will help an entrepreneur in different situations... Premium corporate cards created specifically to make life easier for a leader who is constantly on business trips. Such cards can be linked to the main current account of the company, or created separately. Holders of such cards are insured or lost and can take advantage of a wide range of privileges from partner stores of the company. 
A debit card linked to your main current account will help you control everything financial operations by authorized employees. The use of such a product will reduce the burden on the accountant and optimize other costs. Opening a card will be the best solution for companies making a minimum number of payments.
Debit cards linked to the main current account are an excellent solution for transfers wages employees. In addition to the standard functions of replenishment, withdrawal of funds, the holders of such cards have the opportunity to pay for various goods and services with their help. These cards are accepted for payment by all retail outlets equipped with payment terminals.
Customs cards will help you quickly pay the necessary duties when importing goods from abroad. You can pay the necessary fees both at customs and in your personal account of the Internet bank.
A co-branded card allows you to accumulate points and exchange them for various entertainment services.
Business development loan from Raiffeisenbank
Raiffeisenbank offers entrepreneurs lucrative loans for small businesses. The financial company uses an individual approach to each entrepreneur.
Corporate clients with an annual turnover of up to 60 million rubles can use the overdraft facility from Raiffeisenbank. The maximum amount of such a loan is 100,000 rubles. In order to connect an overdraft, clients just need to mark their consent to provide credit limit during the registration of an application for opening a current account. Overdraft will be connected automatically without additional visits to the branch financial company. Interest rate for using borrowed money is 0.1% per day. If the borrowed money is not used, then no interest will be charged. The overdraft will be connected automatically after using the current account within three months. No additional fees are charged for its issuance. 
A loan secured by property allows you to quickly receive up to 4.5 million rubles. Maximum period The provision of a small business loan from Raiffeisenbank is 5 years. Collateral in the form of real estate is mandatory. Additional condition the provision of borrowed funds is a surety of other co-owners of the business. The loan application is considered within two working days.
Raiffeisenbank offers to corporative clients the opportunity to develop your business using the most modern technologies... The opportunity to use simplified methods of obtaining borrowed funds will allow an entrepreneur to bring his brainchild to a new stage of development in the consumer market.
AO Raiffeisenbank began operations in 1996 under the name Raiffeisenbank Austria as a credit institution with wholly foreign capital. Raiffeisen Bank is widely represented in many countries, and financial group Raiffeisen Bank International AG is one of the largest in Europe.
This time, the editors of the website portal will consider the offers and conditions of Raiffeisenbank for medium and small businesses, as well as for private clients.
Raiffeisenbank is now a universal lending institution providing comprehensive services to both business and private clients. Although the bank has foreign capital, he has been a member of the deposit insurance system since 2005. The bank has a well-developed branch network, and in addition to "native" ATMs, customers can use the united ATM network of partner banks.
For legal entities, the bank provides comprehensive settlement and cash services, including not only opening accounts in different currencies, but also online booking of invoices, collection, conversion operations, currency control and much more. To save on cash settlement services, you can choose the most convenient tariff that will meet the requirements of your business and will include all the necessary tools.
Raiffeisenbank offers all types of acquiring services: merchant acquiring (installing pos-terminals at a retail outlet), Internet acquiring (connecting a special web interface to an organization's website) and mobile acquiring (a special reader for a smartphone / tablet). Acceptance for payment bank cards will not only help increase the turnover of the organization, but also increase customer loyalty. The tariffs for acquiring services in the bank are quite loyal, and in addition to receiving reports on the movement of funds, you can always contact technical support on emerging issues.
For legal entities provides Raiffeisenbank with loans for the following programs: express lending, overdraft, secured by real estate, investment loan, negotiable, and there is also a letter of credit and a bank guarantee.
Organizations can conclude an agreement with the bank for salary service, which will automate the process of paying wages and reduce time costs and additional costs: the amount of the wages of all employees is debited from the company's account one-time, and is distributed further by the bank. Employees connected to salary project have free service at the bank and favorable rates other retail products.
For legal entities, an Internet bank is provided in two versions, both of which are the bank's own development:
- Internet Bank "Raiffeisen Business Online" (RBO) is a modern personal account for organizations that allows you to remotely manage your accounts, generate reports, send documents for currency control, pay salaries to employees, make Money transfers and discover new products.
Internet Banking is compatible with all browsers and major operating systems; it has a pleasant modern design and an intuitive interface.
The peculiarities of the RBO include the absence of a mobile application, but there is a mobile version of the site adapted for tablets and smartphones.
- Bank-Client "Raiffeisen Elbrus"- this is a personal account that preceded the RBO, which, however, is still functioning, and customers can choose which of the cabinets to use, because the transition from one to another and back is available to everyone.
This personal account has a mobile application "Elbrus Mobile", in which you can manage the finances of an organization from a smartphone or tablet on iOS and Android platforms.
For private clients, there are also two versions of the Internet Bank - Raiffeisen Connect and the successor Raiffeisen Online. Both versions are still available for use, but the new one has more functions and a more modern interface.
Personal Area Raiffeisenbank allows customers to pay traffic fines, communication services, utility bills, transfer cash by phone number, from card to card and by accounts, convert currency, send money abroad, open new accounts and generate statements.
The workspace of the Internet bank is fully interactive; it can be customized for your own convenience by selecting the necessary elements and their order.
For mobile devices on Android and iOS there is a convenient and visually pleasing mobile bank"R-Connect", which has all the necessary functions and allows you to manage accounts from anywhere with Internet access.
Today the portal "24Direktor" reviewed for you the proposals of a bank that is consistently included in the TOP-15 Russian banks, and we hope that this article helped you make the right choice credit institution among the many proposals.
Updated date: 06.12.2017
