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Baltic Bank

The universal financial organization "Baltic Bank" began its detailed operations in 1989. The company provides services to individuals and legal entities. It is a private bank authorized by the Russian State Bank and regulated by the current legislation of the Russian Federation. The organization is a member of the state deposit insurance. 2014 was marked for Baltiyskiy Bank by the fact that it became part of the Alfa-Bank structure .
The companys client base is quite extensive. Over 6 thousand enterprises of various sizes are partners of the structure. About one and a half million Russians have opened accounts with the Baltic Bank. Representative offices of the company operate in 9 megacities of our country. For example, there are 23 branches in St. Petersburg.
The organization issues their own payment cards. In total, almost 70 thousand bank documents were issued. Cards can be used as calculation tools. With their help, you can get cash at 330 ATMs of the Baltic Bank or the financial group Alfa-Bank, which has installed over 5 thousand devices in 409 settlements of the Russian Federation.

Citizen programs

Bank employees have developed a full range of banking services for citizens of the Russian Federation:
• lending programs;
• savings accounts;
• insurance projects;
• bank cards;
• payment transactions;
• financial transfers;
• remote service systems (virtual banking, SMS notifications); currency operations;
• rent of individual safes.

Loan products

Baltic Bank offers the citizens of our country favorable lending terms. The organizations specialists have developed several loan products.
1. Credit cards. Bank customers can apply for a plastic card with credit funds. You can use money in different ways: receive cash, make payments in a non-cash way. You can withdraw all funds at once or use finances in stages. It is a revolving loan that can be repaid by the client again.
You can get a ruble or foreign currency credit card. The cards were issued jointly with the VISA payment system . 2. "Affiliate program". The terms of this product can be used by customers with a positive credit history. The contract is concluded for a period of 1,2,3 years. The client can receive from 20 thousand to 400 thousand rubles (depending on the term) at a rate of 18.49 - 24.99% / year. 3. “Prestige. Return". The project was created for clients who received remuneration for their labor through the "Baltic Bank". The organization offers to resume cooperation, and as a bonus is ready to provide a loan on special terms. The client can receive from 50 thousand to 1 million rubles at a reduced rate of only 13.99% / year. The contract is concluded for 33 months. Citizens who are interested in the terms of the program should contact the employees of the financial institution. 4. "Personal program". This product is designed specifically for people who receive their salaries to an account with the Baltic Bank. The program allows you to receive an amount from 20 thousand to 1 million rubles. Interest rate - from 15.99% to 24.99% / year. The loan agreement is signed for a period of 1-5 years. 5. “Refinancing of loans”. Clients who have faced temporary financial difficulties and are not able to repay debt according to the schedule specified in the agreement can use the terms of this program. Refinancing allows you to change rates or extend the term of the loan. The bank also provides a grace period of 365 days. The debt is repaid by annuity payments (in accordance with the schedule provided for in the loan agreement). In case of delay, the bank imposes penalties - 20% / year on the amount owed. 


Accumulative programs

By placing money on deposit accounts of the Baltic Bank, Russians can receive a stable income from interest.
1. "Victory". The terms of this product imply a high yield of up to 7.45% (when investing in national currency). The deposit can be opened both in rubles and in foreign money. To make a deposit, a client should invest at least 10 thousand rubles. (500 currency units). The income is added to the amount stored in the account. The agreement does not provide for the possibility of carrying out debit transactions.
2. "Award". The deposit allows you to receive up to 7.45% profit (in rubles). You can deposit national or foreign money into the account. The minimum amount is 10 thousand rubles (500 euros / dollars). The income is credited to the depositors current account every month. Funds received from interest can be disposed of at your own discretion: withdraw in cash, pay for goods or services, etc. As for the money invested, you cannot spend it. It is not allowed to replenish the account either.
3. "A +". The peculiarity of this product is the possibility of early termination of the deposit agreement. An account is opened with investments of 1 million rubles. (30 thousand in foreign money). The yield will be 6.95% / year (in rubles). The depositor can personally choose the option of paying out the profit. You cannot make additional contributions or withdraw money.
4. "Premier". The yield on this product can reach 6.30% / year. The amount of the initial payment is not less than 10 thousand rubles. (500 currency units). Additional contributions are allowed on the deposit. The replenishment amount can be equal to 5 thousand rubles. (200 euros or American money). Partial withdrawals are not allowed.
5. "Baltic". This program is characterized by the highest level of profitability - up to 8% (in ruble investments). The deposit is opened in national currency. The minimum amount of the initial payment is 10 thousand rubles. The depositor will receive his income at the end of the term, along with the entire amount. The agreement does not provide for the possibility of debit or credit transactions.

Bank cards

Participants of the system can issue payment cards of the international standard. The peculiarity of these documents is:
• security: access to the card account is opened by a personal identification code (only the owner of the payment instrument knows it); if the card is lost or stolen, the client can block access to finance;
• ease of use: with the help of cards you can receive cash, make payments in any region of the planet; leaving the country, the client will not enter in the declaration the currency funds stored in the card account.
The bank offers 3 types of payment instruments.
1. Standard debit instruments are intended for the transfer of salaries and social benefits. These documents are distinguished by their low maintenance cost. The cardholder can withdraw cash, pay utility bills, pay in stores, etc.
2. Classic cards are a convenient payment tool for travelers. They combine favorable prices and high quality service. The owners of these documents can book a hotel room or pay for a car rental.
3. "Gold Cards" - status documents that provide access to exclusive services, for example, transfer to the airport or entrance to VIP lounges. Holders of these "Gold" documents can take part in promotions from MasterCard and VISA. To receive a card, the client needs to contact the specialists of the financial institution. Payment instruments are valid for 1-3 years, after which the bank issues a new card. Experienced consultants will help you choose an acceptable option.  

Payment transactions

The capabilities of Baltiyskiy Bank allow making payments to 400 companies:
• kindergartens and schools;
• housing and communal services;
• TV and Internet connection providers ;
• cellular operators and much more.
You can make payments at the banks cash desks or through ATM networks and remote services. Payment can be made "in real money" or by cashless settlement (funds are debited from the current or card account).

Financial transfers

The capabilities of the Baltic Bank allow you to transfer money to relatives or partners living in different regions of the world. The financial institution offers a simplified scheme of transfers without opening an account.
Domestic transfers are made in national currency. The amount of the transaction is not limited. The procedure for trans-state payments takes place in accordance with the current laws of the Russian Federation.

Remote maintenance services

Clients of the Baltic Bank can conduct transactions without visiting a bank branch. To do this, you should use the services of Internet banking and a mobile application.
The companys programmers have developed 2 options for accessing the online banking system. The first - ISBB - opens only from stationary computer devices. Users of this service can: • learn about the state of finances (account balance, transaction history, direction of money movement); • manage cards (block the account in case of loss of the document); • receive analytical reports; • open deposits; • transfer money (intrasystem and interbank transactions are available); • carry out payment transactions in favor of service providers; • operations related to currency exchange; • configure the operation of the SMS-notification service. The second type of virtual banking is ISBB- light . You can work with this service from any device: stationary or portable. A prerequisite is a network connection. The users of the ISBB- light system have access to the same operations as in the previous version of online banking. People who have an account with this financial institution can connect to the system. To register on the server, the client only needs to complete 2 steps. To get into the personal account, the user must go through 2 phases of authorization: • at the first stage, the system will require a secret username and password; • on the second - a one - time code, which is contained in the SMS-message. To carry out financial transactions, you can also use the mobile banking service. The client needs to install a special application on the smart phone. 


Serving corporate clients

Special services have been prepared for representatives of companies and enterprises. By signing a cooperation agreement with the Baltic Bank, legal entities can:
• draw up accounts in national or foreign currency;
• use remote services for legal entities;
• to issue corporate cards that allow you to pay the companys expenses related to economic activities, as well as representation and travel expenses;
• transfer money to the accounts of other enterprises (partners, service providers, sellers of raw materials, etc.);
• make urgent payments;
• use the services of cash collection teams for the transportation of cash, securities;
• conduct transnational payments;
• convert currency;
• receive loans and bank guarantees;
• place funds on deposit accounts that do not participate in the turnover;
• use settlement and cash services;
• prepare the documents required for the import or export of goods and much more.

Bank guarantees

Bank guarantees allow you to cover the risks associated with the partners default on contractual obligations. This product is used by both sellers and buyers. Bank guarantees will help out in the following cases.
1. Enterprises that decide to take part in a tender for the performance of any work or the supply of goods must ensure their financial well-being.
2. To ensure the return of the advance, it is also necessary to issue a guarantee in the bank.
3. When executing a cooperation agreement, one of the parties may require security to cover the risks associated with non-fulfillment of the terms of the contract. This can be financial security, and a bank guarantee can provide it.

Deposit products

If there are funds in the companys budget that are not involved in the turnover, then they should be placed in deposit accounts. This will increase the companys capital by earning interest income. The income can be paid at the end of the term of the deposit agreement. Profit can also be received monthly: money will be credited to the current account of the company.