PJSC SKB-Bank (general license of the Central Bank of the Russian Federation No. 705) is a commercial bank for promoting commerce and business in Russia, created in 1990, currently implementing a universal line of banking services and products.
History of creation
Two years later it was transformed into a joint-stock company and received its modern name. We also connected to the SWIFT system, thanks to which it became possible to make instant money transfers around the world. In 1996, it became an authorized bank of the Sverdlovsk region: now it could service the accounts of government bodies and administrations of the region, and participate in the implementation of various socio-economic programs. In the same year, the first plastic cards were issued. Since 2000, the Internet banking system has been launched. Since 2003, the first mortgage was issued in order to implement the federal program to improve housing conditions. In 2013, SKB Bank entered the TOP 4 in terms of the volume of lending to individual entrepreneurs. In 2015, the Central Bank of the Russian Federation classified it as one of the most important credit institutions in the field of payment services. Finally, in 2016, Forbes magazine included it in the list of the hundred most reliable Russian banks. The criteria used were ratings, the volume of capital, assets, and the volume of citizen deposits. Mobile banking also received fairly high marks.
How to log into your personal account
You can log into your SKB Bank personal account on the official website page https://online.skbbank.ru/ru/html/login.html. To log in you need to provide your username and password.
Please note: to recover your username or password you will need your bank card number. To do this, follow the link in the authorization window in your personal account, enter the card number, click “Next” and follow the system instructions.
Connecting your personal account
If you do not have access, you can obtain it by completing the online registration procedure. To do this, you need to be a client of SKB-Bank, go to its branch with a passport, sign an agreement to connect to the SKB-Online service system. An agreement will be concluded with you, and you will also be provided with information to log into the service.
Please note: if it is more convenient for you to use products from your mobile phone, you can set up Mobile Banking for yourself by downloading the mobile application. Thus, your personal account will always be “in your pocket”. To operate correctly, your device must meet a number of technical requirements: RAM must be at least 512 MB, OS level is Apple IOS6 or Android 4.0, and finally, the Internet must be connected. This means that you need to set up your mobile phone (i.e. select the appropriate tariff from your telecom operator). Without being a client, you can get important information: for example, ask your question to an online consultant and get an answer, find out the address of the nearest ATM or office, get contact information, register in the service, etc.
Advantages
- Thanks to this convenient service, you can easily manage your money: check the balance of available funds, make money transfers to your account, exchange for currency or rubles, pay for goods or services, repay a loan, deposit, etc.
- Find out comprehensive information: on your accounts, deposits, loans, bank cards.
- Get a statement of transactions for the last day, month or any selected period of time. Analyze all your expenses. Find the address of the ATM or branch you are interested in.
- It is easy and simple to make payments for utilities, television, Internet, cellular communications, fines and taxes. By the way, you can also create payment templates here. Thanks to saved templates, you no longer have to re-enter your service provider details, etc.
SKB-bank is a reliable organization that provides a wide range of high-tech and standardized services. It began its activities more than 20 years ago and has won the favor of two million customers. Its branches can be found throughout the Russian Federation.
In an effort to keep up with the times, SKB Bank has developed its own website, which provides full access to all financial systems and operations. The page is located at the link. Here you can find information on loans, deposits, mortgages, order services, pay fines, transfer funds, and issue an insurance policy.
All actions are performed by users from their personal account. Only clients of the organization can register in it.
Private entrepreneurs enjoy special privileges. They have access to a service that helps them run their business, pay taxes and submit reports.
For even greater convenience, the company has created a mobile application. It has a similar interface to the full version and is available for any smartphone.
How to register in your SKB Bank personal account
You can go to your personal account by clicking on the link “Internet banking for private clients” in the upper right corner of the site. A standard panel for entering your login and password will open in front of you. People who do not cooperate with SKB Bank are not able to access their account. Only clients of the organization can create it.
To register in the account, you must contact the branch. Typically, operators themselves offer to create a page during the conclusion of a particular agreement. You are given a login and a set of keys to enter.
If you have lost your access codes, you can use the password recovery option. To do this, follow these steps:
- Click on the “Forgot your password” sign.
- Enter number.
- Confirm the action.
- Get a new access code.
You can also restore your data by contacting the office. Write an application and you will be given a new set of access cards.
How to use SKB Bank personal account
In the personal account, the user has access to all actions with accounts and deposits. The client can:
- Top up your mobile phone account or internet provider.
- Pay fines, taxes, utilities and educational services.
- Make money transfers between different banks.
- Apply and repay loans.
- Open and close accounts.
- Order cards.
- Take out insurance.
The client cannot independently remove restrictions on transactions. Maximum transfer amount – 599,999 rubles, the limit on payment for services is 15,000 rubles.
Deposits
The option to open an account is available in your SKB Bank personal account. You can deposit from 50,000 to 100,000,000 rubles, for 3-36 months, at 5.5% -8.5% per annum. The interest rate is calculated individually. In this case, if you wish, you can specify the monthly replenishment amount.
The website presents different options for the proposed conditions. “Ordinary Miracle” provides the highest rate of 8.5% and provides the opportunity to take part in a charity program, transferring funds for the treatment of sick children.
A “pension” deposit starting from 1,000 rubles at 5.5% provides for monthly capitalization and allows you to withdraw funds without losing interest. You can also top up your account at any time.
The “On Demand” product does not limit the amount and timing of cash investments. The rate is 0.01% per annum. You can constantly replenish your deposit and receive payments every four months.
Please note that all accounts are subject to automatic insurance.
Lending
Owners of a personal account can submit an online application. To do this, follow the algorithm:
The loan amount varies between 50,000 - 1,300,000 rubles, at 15.9% -23.1% per annum, for a period of 36 to 60 months. At the same time, you have the opportunity to make a full payment ahead of schedule. The application is reviewed within two working days. Having a certificate of income is not a mandatory item.
Russian citizens can apply for a loan:
- Having permanent residence in the country.
- Ages range from 23 to 70 years.
- With at least three months of work experience in the last place.
Mortgage lending has more stringent selection criteria. The potential client cannot be under 21 or over 65 years of age and must have a total of more than 1 year of experience.
The maximum mortgage amount is 1,097,000 rubles, for 3-30 years, at 12%-16% per annum. In this case, it is necessary to have two co-borrowers. More detailed information can be found in your personal account.
SKB Bank offers to find out your credit history. This can be done in any office of the organization. Knowing your status will help you understand what loan terms you may qualify for.
Insurance
In your personal account, a section is available to familiarize yourself with the service of issuing an insurance policy. You can order these types of products:
- Tourist medical.
- Real estate.
- Life and health.
The cost of insurance varies and does not go beyond 600-1700 rubles. In this case, compensation may be 50,000-200,000 rubles.
SKB-online
The mobile version of the Internet bank is designed specifically to ensure that users have round-the-clock access to accounts, regardless of where they are located.
The service allows you to:
- Find out your account balance.
- Make payments for services, taxes, fines, loans.
- Make transfers.
- Create and use payment templates.
- Convert currency.
If you have any questions, you can request an online consultation with a specialist. In the application you can find a map with the location of all offices and ATMs.
Stock
SKB Bank clients have access to various special offers. At the moment, users can apply for a salary card and receive a financial reward for this.
Cardholders can make money transfers from their personal account without commission.
The organization provides up to 10% cashback when purchasing goods in partner stores.
PJSC SKB-Bank (general license of the Central Bank of the Russian Federation No. 705) is a universal commercial bank with a wide range of services and products. SKB-Bank began its activities in November 1990 after receiving a license on the basis of the Agro-Industrial Bank. Two years later, it was transformed into a joint stock company, the first correspondent account was opened in Switzerland, and the first payment was made via the SWIFT system, which allows you to transfer funds instantly from anywhere in the world. Since the beginning of 1996, SKB-Bank began working with the accounts of ministries and municipal administrations of the Sverdlovsk region, as well as participating in the implementation of social programs. A little later, the first plastic bank cards were issued, and in 2000 the Internet banking system began operating. Three years later, the first mortgage loan agreement was issued under the federal targeted housing lending program. In 2012, its own money transfer system reached the international level for the first time, taking fourth place in terms of the size of loans issued. The Central Bank of the Russian Federation allowed state corporations to work with money and classified them as significant credit organizations in the country in the payment systems market. Forbes magazine included it in the TOP 100 most reliable banks in Russia. The mobile banking system rounded out the top three in terms of convenience and ease of use.
Personal account “Bank-on-the-couch”
You can log into your SKB-Bank personal account on the official website page https://online.skbbank.ru/ru/html/login.html. All you have to do is provide your username and password.
How to connect your personal account
If you do not yet have access to your personal account, you can connect it by going through a simple registration procedure.
- First, you need to visit the office (branch) of SKB-Bank with your passport in order to conclude an agreement for service and connection to the SKB-Online system.
- An employee of the credit institution will provide you with a login and password to log into the system and subsequently work in it.
- During your first login, you can specify (change) your credentials. For more convenient work, you can download and install the application on your mobile phone in the Apple Store and Google Play.
The Russian banking system is a collection of various national and commercial banks operating within a single monetary system. The banking sector consists of the Central Bank of the country, a number of commercial banks and financial settlement institutions. The main player in the system is the Central Bank; it is he who carries out the foreign exchange and emission policies, and also acts as the core of the system’s reserve. Commercial banks perform all other banking operations.
One of the representatives of commercial banks is. Its history begins on November 2, 1990. This particular day was marked as the day the Joint-Stock Commercial Bank for the Promotion of Commerce and Business received a license to provide banking services. Much water has passed under the bridge since then, and today SKB Bank is the largest private bank on a federal scale, located in the Sverdlovsk region.
SKB Bank on the sofa - modern technologies
Due to the introduction of modern technologies into life, every client can use the service provided by SKB Bank on the couch, from anywhere on the planet where there is Internet access. Having at his disposal a personal computer, smartphone, tablet with Internet access, a bank client must visit the bank’s page. It is worth noting that to use remote account management you do not need to install a special application or purchase a license.
The “Bank on the Couch” service has a convenient and intuitive interface, so the user does not require any special knowledge or skills. Operating the system is simple, similar to managing any other website.
Settlement operations and security
The list of system capabilities is wide and amounts to about 50 operations. The system is available 24 hours a day, 7 days a week. The connection takes place over a secure channel, so you don’t have to worry about the safety of your data. Some of the main operations performed through the system are:
1. Payment of utility bills, mobile and city communications, Internet and television, as well as goods purchased through the online store.
2. Making ruble transfers to accounts within SKB Bank, other banks, among your accounts in the amount of no more than 9,999,999 rubles.
3. Detailed information about all completed account transactions and generation of account statements.
Providing bank security involves the use of modern technologies, the fundamental of which are “Session Keys”. They are used to protect transmitted information from falsification and distortion. “Session keys” are an analogue of the actual manual electronic signature, so there is no doubt about confidentiality. As provided security parameters, the client is offered:
1. Login. Client ID when logging in.
2. Password. A set of characters known only to the client, which are entered by the client to access the system tools under his login.
3. Session key. A set of characters confirming each individual transaction.
If the login and password become known to third parties, the bank recommends that the client immediately contact the support service to request an account.
Bank on the Couch charges a fee for certain transactions, but not for others.
Basic operations for which commission is charged
1. Conclusion of an agreement and connection to the system.
2. Replacing cards with cards connected to the system.
4. Transferring funds from one account to another between individuals within SKB Bank.
5. Transfer of funds to the accounts of a legal entity or individual entrepreneur.
6. Transfer of funds to accounts in other banks.
Basic operations for which no commission is charged
1. System blocking.
2. Transfer between your own accounts
3. Monthly maintenance of the contract.
4. Closing the contract.
The client can familiarize himself with the full list of paid and free operations at any bank branch, also by going to the corresponding bank page on the Internet.
SKB Bank on the couch - connecting users to the system
If you need to become a happy user of the “Bank on the Couch” system, you must meet the following conditions that will allow you to immediately connect to the service:
1. Have any or a valid bank card at SKB Bank.
2. Conclude an agreement at any bank branch.
3. Obtain a sealed account envelope from a bank employee, which will contain the password, login, session keys, as well as operating instructions.
4. Go to the required page via the Internet, enter your password, login and get to work.
Using the services of remote management of a bank account at SKB Bank today is convenient and simple. The client does not need to personally visit the bank to obtain the necessary information about completed transactions, fill out applications for the provision of account statements, and make transfers. You can carry out operations from any place where there is access to the Internet, and all operations performed take place in real time and are displayed on the display of the device or personal computer.
