Loan "Turbodengi" in Promsvyazbank. Consumer loan at Promsvyazbank - ProBusiness Online How to get turbo money at Promsvyazbank

The Russian bank Promsvyazbank offers a wide range of loan programs. Clients in need of a payday microloan should pay attention to the Turbomoney product. We will look into the features and conditions of the program in this article.

What is a Turbomoney loan?

Quite often situations arise when a small amount is not enough to buy a new phone, refrigerator or anything else. I want to get a loan from a bank as quickly as possible and without paperwork. The Turbomoney service is designed just for this. It allows you to receive the required amount of funds online within a short time.

Possibilities

The program opens up unlimited possibilities for the borrower. These include:

Freedom of choice - the funds received can be used at any retail outlet.
Real money - borrowed funds have no intended use, they can be spent on anything.
Quick loan - after processing and approval of the application, funds are credited to your personal account within 5 minutes.

Advantages

This program is a profitable product from Promsvyazbank. It is very popular among ordinary consumers, because it has a number of advantages:

Loan processing is carried out through remote services (Internet banking and mobile application). The client does not need to personally visit a branch of a financial institution;
the decision on the loan is made in a short time;
Filling out the application does not take much time. It must indicate the amount and term of the loan;
The loan size is small, so it will be easy to repay;
You can get money at any time and in any country.

Loan amount and term, rates, tariffs

The product is designed for Promsvyazbank clients. The loan terms are presented in the table:

Interest on the loan begins to accrue from the next day after registration.

How to apply for a turbo loan?

Many potential borrowers are interested in the question of where they get this loan. Answer: in the Internet banking system. It should follow these steps:

Select the desired program.
Enter the amount borrowed.
Decide on the loan term.
Specify the account to transfer funds.

After this, the application will be sent for processing. If the decision on it is positive, the money will immediately be credited to the client’s account.

Conditions and requirements for the borrower

The program is available to most Russian citizens with an average income level. A potential borrower must meet certain requirements:

Russian citizenship;
permanent registration in the region where there is an operating branch of Promsvyazbank;
age from 23 to 65 years at the time of loan closure.

Sometimes a financial institution may not approve an application without stating the reason. If denied, you should resend the request or contact the office to determine the reason and its subsequent elimination.

The Turbomoney loan from Promsvyazbank is a great way to get the required amount in a short time. It is worth considering that the annual rate is slightly higher than that of conventional consumer loans that require proof of income.

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Stanislav, 08/29/13

Completely satisfied with the bank. I already used his services once, then everything went smoothly. Over time, I became convinced that the quality of services had not deteriorated. I closed one loan for half a million without any hiccups or troubles, and took out another. There were no delays, everything was fine. Once there was a moment when I came to the department to make sure that everything was fine, and the girl who served me said that there was a debt of two hundred rubles. Chill down the back, clouding in the head. But, in time, the bank employee came to her senses, admitted the mistake, and after I wrote a memo, I was spared the delay. The bank is excellent, I recommend it to my family. I just wish there was a mobile bank...

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Promsvyazbank launched the online service “Turbodengi” for instant lending to individual clients in mobile and online banking.

To receive a loan to current clients of Promsvyazbank, just go to the PSB-Mobile mobile application or Internet bank (if the service is available, an additional area with the “Turbomoney” function appears) indicate the loan amount (from 10,000 to 25,000 rubles) and term (from one to three months).

The loan rate is 3.8% per month: a loan of 10 thousand rubles for a period of 1 month will cost the client no more than 400 rubles. The main difference between the service: quick submission of a short application (in two clicks) and its consideration, all documents are signed directly in the application, a decision on the loan is made within a few minutes. You can get such a loan 24/7, anywhere in the world, the money goes to the client’s account at Promsvyazbank.

“We offer clients a qualitatively new online lending tool for the Russian market -...

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Another microfinance organization that provides instant transfer to an online card "Turbo Loan".

A loan from the Turbo Loan organization is issued on the basis of an online application, which is reviewed within 15 minutes. Any citizen of the Russian Federation, aged 21 to 65 years, can use the services of instant loans, the main condition is the presence of a permanent source of income.

As has now become fashionable, the decision to issue a loan is made by an automated system for analyzing client data (i.e., his application), essentially a program that contains data about the ideal client, and if you differ from him in some respects, then the system will help you will refuse.

Money is credited to any card (if the decision is positive) within 15 minutes, any debit or credit cards VISA or MasterCard are accepted, one condition for the card is that there must be at least 30 rubles in the account. The card must be issued in your name (prepaid cards that do not have the function...

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On April 5, 2011, a large amount of money was electronically debited from our current account at OJSC Promsvyazbank (Additional office Balashikha), through financial fraud, during a virus attack and via remote access.
Unfortunately, we had to make sure that OJSC Promsvyazbank has a weak electronic payment security system, and its employees display unprofessionalism, irresponsibility and negligence. Payments from our organization were made from different IP addresses, but no one paid attention to this, they did not make a follow-up call to clarify and confirm the amount transferred from the account - more than 94% of the organization's funds.
Within two days, the money was transferred through two shell companies registered in January 2011, first at VTB 24 (CJSC), and then at OJSC VTB Bank, from where they were cashed out through individuals. For wages, cash must be ordered a day in advance, but here within an hour, without checking the legality of the transaction, it was cashed...

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Clients of Promsvyazbank have access to the instant loan service “Turbodengi”

To get a loan, an existing client of Promsvyazbank will need to log into Internet banking or the PSB-Mobile mobile application (an area with the “Turbomoney” option will appear in the remote banking system). Then it is enough to indicate the desired amount (10,000 - 25,000 rubles) and the period (1-3 months). The rate for using borrowed funds is 3.8% per month. Thus, a loan of 10,000 rubles for a period of 1 month will cost the borrower 400 rubles.

The advantage of the new service is the quick submission of an application and its consideration (the decision is made in a few minutes). In this case, all documents are signed directly in the application. You can get a loan 24 hours a day from anywhere in the world. The approved loan amount is transferred to the client’s account opened with Promsvyazbank. The fundamental difference between the Turbomoney service and POS lending is that the application and receipt...

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I don’t understand whether PromSvyazBank itself is initially misleading with false promises, or whether the employees of this branch (Chelyabinsk, Timiryazev St. 30) do not take their work and the bank’s assurances seriously and work carelessly, slowly, just to leave early From the job.

I’ll explain the situation: on November 30, my wife and I reserved an account, on December 8, we delivered all the necessary documents to this branch (within a week we received the missing documents). We were assured that in 1-2 days there would be approval, then they would call us back, make an appointment and we could work with our account.
Please note that our legislation does not care how many days we spend opening an account, but we are obliged to pay fees for even one month of operating a business! That is, our every day is worth its weight in gold!

Today, December 12th, still no call. I call Moscow, they don’t see the account opening and transfer the conversation to this branch, but in the Parsley branch they can’t find ours...

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Lending programs from Promsvyazbank are an example of a balanced and thoughtful approach to the development of truly in-demand products. Among them, almost all types of loans popular among citizens are available - quick loans, collateral lending, mortgage loans, loans for loyal customers.

Conditions of receipt

Analyzing the terms of consumer lending in many domestic banks, the following trends can be detected:

the number of offers is limited to one or two types of loans, which may differ in terms of service for different categories of clients;
Many banks focus on a certain area of consumer lending: they issue short-term cash loans, offer lending only by cards, work closely with retail chains on targeted lending, etc.

Promsvyazbank compares favorably with most banks in that it offers a wide range of loans for consumer needs.

There is nothing superfluous in the range of loan products, and each loan meets the specific needs of potential clients.

Currently, the main areas of lending at the bank are as follows:

credit cards as one of the standard services of any bank with retail business. Like ordinary consumer loans, credit cards come in various types and are available to all categories of clients;
quick loans designed as an alternative to many microfinance organizations.
Registration in 5 minutes and almost instant transfer of loan funds make this type of lending relevant in case of urgent need for money;
consumer unsecured loans for existing clients of the institution. The bank offers its clients preferential lending conditions and strongly encourages the use of its services;
loans for certain categories of clients, including government employees, bank depositors, as well as salary recipients on cards issued to them.

A good credit history is an important characteristic of a borrower and the key to receiving many preferences when servicing.

For example, the bank offers such clients a credit holiday service. Under its terms, borrowers can defer payments for up to two regular payments. This service is available for all types of consumer lending.

For all available loans, it is possible to submit an application for registration through the bank’s website.

An exception is made only for the Turbo Money program, since this loan is issued remotely, through a special application on a smartphone.

How to apply?

Obtaining a loan from Promsvyazbank is available to clients in three different ways.

Looking ahead, it should be noted that existing bank clients have an advantage, since when using remote service channels they have the opportunity to get a loan without visiting the bank’s office:

At a bank branch. This method is available to all borrowers. To receive a loan on the day of application, you must prepare the relevant documents in advance and it is advisable to submit an application through the website.
In the remote service system. In a separate menu of the “Client-Bank” system, you can submit an application for a loan.
If the decision is positive, the bank will transfer the amount to the card or current account of the borrower.
In a special mobile application. This method only applies when receiving a loan under the Turbo Money program. You need to install a smartphone application and use it to apply for a loan. Funds are transferred to the client's card.

With the use of remote access systems to apply for a loan, customers can enjoy special benefits.

The rate on some loan products may be reduced by 1 percentage point when choosing this method of obtaining a loan.

Bank offers

A loan for consumer needs for government employees offers special benefits for this category of clients: reduced rates, formalities-free processing and prompt access to information about the status of the account.

In addition to reducing the rate by 1 percentage point when applying for a loan online, customers have access to an additional discount of 3 percentage points from the current rate.

If you fail to pay your debt on time, a penalty of 0.6% of the overdue amount applies. Salary card holders can apply for a loan under the same conditions.

Employees of accredited companies can get a larger loan - up to 1,500,000 rubles.

Borrowers under this program have access to the same benefits: the possibility of reducing the loan rate, enabling credit holidays with deferred payments, as well as a simplified procedure for applying for a loan.

A reduced rate can be established after the client connects to the insurance program, which is voluntary.

Clients who have experience working with a bank in the past and have a good credit history can apply for a loan for consumer purposes in the amount of up to 1,000,000 rubles.

If the borrower already has an open loan with the bank at the time of submitting the application, then the maximum amount he can receive will be 300,000 rubles.

No collateral or guarantee is required for the loan. Under similar conditions, the loan is issued by existing bank depositors.

An accessible program called “Turbo Money” is a microcredit service from Promsvyazbank.

It is designed for all clients of the institution. To receive a loan, you need to install a special application on your smartphone or use the Client-Bank system.

Do you want to know how and under what conditions you can get it? Then you need to follow the link provided and read our article.

If you are interested in the conditions for obtaining a Svyaznoy Bank credit card, we recommend reading the following article. Here you will find the latest information and interesting offers

5 minutes after submitting the application, money can be transferred to the client to his account also opened at Promsvyazbank.

Loan terms cannot exceed 3 months. Microcredit is available in amounts from 10,000 to 25,000 rubles.

Terms of consumer lending at Promsvyazbank:

Name	Status scale, % per annum	Limit on sums, thousand rubles.	Repayment schedule	Commissions for issuance/ decor	Credit term, months.	Early repayment	Peculiarities
Loan for civil servants	13,9-24,9	100-1 000	Differentiated	Absent	12-84	No limits	Possibility of rate reduction. For civil servants
Credit “Special relationship”	15,9-24,9	100-1 500	Differentiated	Absent	12-84	No limits	Possibility of rate reduction. For employees of partner companies
Time-tested loan	17,9-25,9	100-1,000 (up to 300 for existing borrowers)	Differentiated	Absent	12-84	No limits	For clients with a credit history
"Turbo money"	46	10, 15, 20, 25	Annuity (up to 1 month - at the end of the term)	Absent	1, 2, 3	No limits	Registration without presence in the bank

Kinds

The loans presented in the bank’s line are replete with offers for certain categories of clients.

The most favorable lending conditions are available to government employees and salary recipients on bank cards.

For them, the minimum rate is 13.9% per annum (this figure is not the value of the full cost of the loan in its minimum terms).

In addition to the conditions regarding rates and the available loan amount, an additional privilege for this category of clients will be a simple registration procedure.

One passport is enough for a potential borrower. The loan itself can be obtained without visiting the bank by using the remote account access system.

Documentation

As noted above, salary clients and bank depositors can receive a loan using one passport.

passport;
income certificate;
a copy of the work book.

The bank has special loan conditions for potential borrowers.

They consist in the fact that new clients can be issued a loan only with a passport. In this case, the loan size is limited to 300,000 rubles.

Requirements for borrowers

To take out a loan from Promsvyazbank, the borrower must meet many conditions:

citizenship of the Russian Federation;
age from 23 to 65 years;
permanent registration;
work with official employment;
the client must not conduct business activities;
At least 4 months of experience at the last place of employment;
good credit history;
registered mobile and fixed line telephone number.

Interest rates

The average interest rates on bank loans range from 15.9 to 25.23% per annum.

Against this background, the offer of quick loans at a rate of 46% per annum stands out significantly.

Maximum and minimum amounts

The amount of consumer loans at the bank is from 100,000 to 1,500,000 rubles.

The exception is the offer of quick loans with a limit from 10,000 to 25,000 rubles.

Deadlines

Clients can take out a loan for a period from 12 to 84 months. The Turbo Money loan is issued for a maximum period of 3 months.

Early repayment of any of the presented loans is allowed without restrictions.

Debt repayment

Carried out by transfer of cash or wire transfer in the following ways:

through service points of the creditor bank (branches, cash desks, terminals and ATMs);
via the “Client-Bank” system;
in other banks according to details.

Advantages and disadvantages

Promsvyazbank's loan products are varied and have flexible service conditions.

The advantages include:

possibility of remote registration;
benefits for certain categories of clients;
low interest rates;
opportunity to get a loan using a passport.

There are no significant disadvantages.

I would never have thought that I would find myself in a situation where I urgently needed a generally insignificant amount of cash, but I didn’t have it. And there’s nowhere to take it right here and now.

The cards were all cleaned up for the holiday with purchases at “minus 273 degrees” (why wouldn’t they be cleaned up, if they were for a good cashback, the payment of which is due immediately after the holiday??!)

Those from whom it would be possible to intercept “babosiki” - relatives and good friends - are away (holidays, damn it!) And, what can I say, at my age every year more and more phones are not answered. And not because they don’t want to help me, but simply because there is no one else...

But that's not the point. The point is that I began to really consider the need to disturb the deposit in the PSB to replenish the card and then withdraw cash in the morning.
... for which the bank punishes with loss of interest. A What do?

And I went to the PSB website to see what they were threatening for withdrawing “Maximum Opportunities” from my deposit if the minimum balance condition was violated. I read it. I was impressed. It’s such a pity... the percentage lost is terrible.

And suddenly I see “Turbomoney”, wow:
http://www.psbank.ru/Personal/Ambitions/Loans/Turbomoney

Some absolutely fantastic and magical conditions for a generally small fee. Moreover, the online application is considered immediately and in 5 minutes I will receive money into my account. Yay-yay-yay! In addition, I have a PNO connected to Kukuruza from the PSB and, having transferred money there this evening, tomorrow I will withdraw the amount I desire from any ATM.

“It doesn’t happen like that,” you say. And yes, it doesn’t happen. Or rather, it happens, but not for everyone. But the fact that this is NOT for everyone is silent about this on the PSB website. Moreover, when I tried to find a form to fill out an application, the “fill out” button simply redirected me to “My Bank”. There, I honestly looked through literally EVERYTHING and did not find this application that needs to be filled out!

Having given up, at 10 pm I called GL Bank on the phone 8 800 333 03 03 , where a very polite specialist Natalya gently and caringly “broke me off” to the fullest!

It turns out that Turbomoney is not for everyone. There should be a personal offer for me from the bank in “My Bank” in the form of the “Turbomoney” tab, right under the information about bonuses, but before the “Cards” tab. If there is no such thing, then there is no trial!
... and Turbomoney too.

Figasse. I timidly asked Natalya to give me an accessible link where I could read this on the site BEFORE I start daydreaming like a child. After that, while Natalya was searching, I hung on the phone for about 10 minutes and tried to find something myself in the description of Turbomoney on the website:
http://www.psbank.ru/~/media/Files/Product%20Documents/folder_loans_mobile.pdf

Did not find. And Natalya didn’t find it. But - she sympathized with my problem in the spirit of the popular meme “there is no money, but you hang in there.” .. eh.

“It’s clear with grandma and Turbomoney, but what does the Turbobroom actually have to do with it?”, you ask. HA!

It’s just that when I hung up the phone, I felt like those Nekrasov serfs who

"... And they went, burning with the sun,

Repeating: “God judge him!”Throwing up my hands hopelessly..."

And then it hit me out of resentment and self-pity - Yandex! I have a Yandex card - on the advice of forum members, it was issued for 1 ruble. Low bow to them!

I quickly recovered the password for the Yandex mailbox and found that there was the required amount there, even if it was withdrawn in cash with extortionate Yandex interest rates.
... but at any ATM!

What I will do tomorrow morning at the nearest store with an ATM SB.

So I got out. But that feeling of wings behind my back, which was replaced by a furious bummer - I wouldn’t wish it on anyone. Especially for clients of PSB, which I generally like.

I am writing this review so that the bank becomes better.

Dear PSB, please, when posting such “delicious” credit products, indicate that they are NOT for everyone.
... because they turn to them in desperation. And it’s a sin to give grandmother the wings of Hope only to then rip them out “with the meat”, beating them with a “turbo pumpkin broom.” To the heap.

What do?

How often can you use Turbo money at Promsvyazbank?

But that's not the point. The point is that I began to really consider the need to disturb the deposit in the PSB to replenish the card and then withdraw cash in the morning.
. for which the bank punishes with loss of interest. A What do?

And suddenly I see “Turbomoney”, wow:
http://www. psbank. ru/Personal/Ambitions/Loans/Turbomoney

Some absolutely fantastic and magical conditions for a generally small fee. Moreover, the online application is processed immediately and in 5 minutes I will receive money into my account. Yay-yay-yay! In addition, I have a PNO connected to Kukuruza from PSB and, having transferred money there this evening, tomorrow I will withdraw the amount I desire at any ATM. (Turbo money in Promsvyazbank how often can I use it) (Turbo money in Promsvyazbank how often can I use it )

Having given up, at 10 pm I called GL Bank on the phone 8 800 333 03 03 , where a very polite specialist Natalya gently and caringly “broke me off” to the fullest!

Did not find. And Natalya didn’t find it. But she sympathized with my problem in the spirit of the popular meme “there is no money, but you hang in there.” . . eh.

“It’s clear with grandma and Turbomoney, but what does the Turbobroom actually have to do with it?” you ask. HA!

It’s just that when I hung up the phone, I felt like those Nekrasov serfs who

". And they went, scorched by the sun,

Repeating: “God judge him!” Throwing up hopeless hands. "

And then it hit me out of resentment and self-pity - Yandex! I have a Yandex card - on the advice of forum members, it was issued for 1 ruble. Low bow to them!

I quickly recovered the password for the Yandex mailbox and found that there was the required amount there, even if it was withdrawn in cash with extortionate Yandex interest rates.
. but at any ATM!

What I will do tomorrow morning at the nearest store with an ATM SB.

So I got out. But that feeling of wings behind my back, which was replaced by a furious bummer - I wouldn’t wish it on anyone. Especially for clients of PSB, which I generally like.

I am writing this review so that the bank becomes better.

Dear PSB, please, when posting such “tasty” loan products, indicate that they are NOT for everyone.
. for they turn to them in desperation. And it’s a sin to give grandma the wings of Hope only to then rip them out “with the meat”, beating them with a “turbo pumpkin broom.” To the heap.

Promsvyazbank: Turbodengi

Microloans are one of the most common and popular forms of loans at the moment. More and more companies and organizations are opening up offering urgent loans for small amounts without collateral for any need - from urgent purchases to repaying loan debt. MFOs do not require a large number of documents and confirmation of the borrower’s income, and therefore microloans are more attractive to the population.

Promsvyazbank has created the “Turbodengi” service - urgent online loans for bank clients through an application or Internet banking, which can be received on the card within a few minutes after processing the loan. This method of online lending helps to solve financial problems at any time, since it works around the clock, including on holidays - anywhere in the world where the Internet is available.

How to get a "Turbo loan"

Promsvyazbank allows its clients to obtain urgent loans for a short period using a mobile application or online banking. Cardholders can log into the mobile bank using their username and password and, going to the loans tab, select “Turbomoney”. Fill out the form in accordance with the system prompts, select the desired amount and loan term, as well as the account to which the money should be credited.

Salary card holders can receive an urgent loan in the amount of 10 thousand to 100 thousand rubles for a period of one month to one year at 25% per annum.

Clients who do not own Promsvyazbank salary cards can receive a loan for certain amounts and a fixed term at 38.445% per annum:

10 thousand rubles for one or two months;
15 thousand rubles for one, two or three months;
20 thousand rubles for two or three months;
25 thousand rubles for three months.

Promsvyazbank guarantees urgent assistance in difficult financial situations, so you can use the funds received immediately after they are credited. The client himself can decide in which store, restaurant, point of sale or service to spend his money, and he does not need to report his expenses.

Turbomoney Promsvyazbank: conditions

An urgent loan in the Turbodeneg service is available to existing clients of Promsvyazbank, however, it is subject to conditions that apply to other loan products of the bank.

The borrower must be a citizen of the Russian Federation and have permanent registration in the country. However, unlike microfinance organizations, Promsvyazbank does not issue “Turbocredit” to persons under 23 years of age and over 65 years of age. The borrower must also sign a comprehensive and remote service agreement.

If the client is unable to fulfill his loan obligations and is late in repaying the loan, he will be charged a penalty in the amount of 0.06% of the amount outstanding on the principal debt and interest for each day of delay until the date of repayment, but not more than 20% per annum if the borrower paid interest for using the loan during the period of delay.