For Corporate Bodies

The Client banking policy of the Sinergia Bank is the major making of the general strategy of its development.

Sinergia Bank, JSC is a full service bank combining advantages of Banks of various directions, capable to offer to its Clients a full-range of the hi-tech financial products.

Activity of the Bank covers a real sector of economics and targeted on creation of the investment oriented ambience for its Clients.

The main principle by developing banking services can be named as an individual approach to each Client, careful studying of its needs in bank services and adopting standard services to its inquiries, and in some cases developing unique financial schemes met its requirements.

At present the Sinergia Bank offers complex schemes of servicing as large companies of different branches and activities, so and enterprises of small and medium business and financial organizations.

Our Clients can take an advantage of such a service as development and realization of individual programs allowing to optimize reciprocal payments with partners, to reduce expenses and to increase returns from the invested money resources.

Any Client of the Bank independent from its status and volume of activity has always the right to count upon a qualified consultation of the employees of Sinergia Bank, JSC on efficient investment of the financial resources, attraction of the borrowed reserves, financial analysis, promotion and current condition of different sectors of the financial market. To the Clients requiring promotion of their business the Bank offers an opportunity to place information on itself at the special stand and also on the web-site of the Bank in a global network of the Internet.

Settlement & Cash service

Settlement-cash service is one of the most demanded Bank products.

A wide spectrum of operations on opening and managing of accounts in rubles and foreign currencies is offered to the Clients of the Sinergia Bank.

The number of Clients opening settlement accounts in Sinergia Bank, JSC is being increased constantly. The Clients of  the Sinergia Bank are both legal persons, and businessmen without forming a legal body.

The main thing that attracts Clients in settlement-cash service in Sinergia Bank, JSC is a high degree of reliability of the Bank, speed of settlements, qualitative and polite servicing, wide assortment of services, competitive rates and a convenient location of the Bank head office and its isolated divisions.

The wide correspondent network of the Bank allows it smoothly and operatively to carry out payments of the Clients both inside Russia, and with countries of near and far abroad.

Among the Clients located far from the Bank the automated Client-Bank system of electronic payments is widespread allowing them to carry out payments without leaving offices.

Due to qualitative work of departments of cash transactions and money turnover there are no cases of delay or refusal in cashing the Bank Clients.


 Rates of the Bank on settlement-cash service.
 Rates of the Bank on installation of the Client-Bank program facilities.

Complex Exchange Service

Within more than ten years' the history of work in the foreign currency market the Sinergia Bank has gained a wide experience in servicing exporters and importers, generated the command of highly skilled experts, mastered actually all possible forms of the international documentary settlements and worked up technologies of high-quality servicing.

The bank offers legal bodies, and also physical persons - individual businessmen - a full spectrum of necessary services by all kinds of currency transactions (both in rubles of the Russian Federation, and in a foreign currency), including under Foreign Trade Agreements/Contracts on export-import, performance of works, rendering services, transferring information and results of intellectual activity, including exclusive rights to them, under Credit Agreements and Loan Agreements, and also on currency operations done under non-commercial transactions.

In the Sinergia Bank you always can convert money resources on your account from one currency in another, at a rate favorable to you.

The experts of the Currency Department offers free consultations of the Bank Clients at any stage of transactions. It allows the Bank Clients to conclude Agreements/Contracts on the conditions corresponding norms of the Currency Legislation of the Russian Federation, and after concluding the Contracts to prevent carrying out of currency transactions with infringement of the established order and to avoid a set of problems connected with execution of the Contract obligations and observance of procedure of the currency exchange regulation in conditions of constantly varying legislation.

The complex of exchange services includes:

On any questions of supporting Foreign Trade Contracts, please, contact the Foreign Exchange Department of Sinergia Bank, JSC by phone (8452) 23-69-30.

Rates of the Bank on complex exchange service here.

Bullion Coins From Precious Metals

Sinergia Bank sells bullion coins from precious metals

Today bullion coins are a convenient way of investment in precious metals, which is also facilitated by the steady growth of the precious metals prices.

Bullion coins possess the status and technical characteristics of coins from precious metals, transactions with which are not VAT levied. This makes it possible for the coins to circulate at the prices close to the value of the precious metal that they are made from.

For information about the purchase of coins, please, contact customer service department of Sinergia Bank, JSC, at the following addres:

27 Rabochaya Street, Saratov. Telephones: +7 8452 223 501, +7 8452 223 500


Rates of the Bank on settlement-cash service

Rates for Settlement & Cash Services, valid from February,01, 2018
1. Opening and support of the settlement account
Opening a settlement account (not for competitive managers) Rub. 500
Opening the second and subsequent Bank accounts (except deposit accounts) Rub. 200
Opening the savings account in Sinergia Bank Rub. 200
Opening a settlement account under the terms of the Credit Program in Sinergia Bank, JSC Fee is not raised
Opening a settlement account for competitive managers  Rub. 10000
Operating the settlement account Rub. 300 annually
Printing account statements Fee is not raised
SMS notification of money received on account 100 Rub per month
Printing duplicates of the settlement documents and account statements Rub. 100 per a document
Printing a paper copy of the electronic payment document made by the Bank Rub. 5 per a document
 Ordering for information
Printing the information on turns under a settlement account for a period (by inquiry of the Client) Rub. 150
Printing the information on opening / existence of the account, the account balance, absence of movement of money resource Rub. 100 per a document

For each additional copy  Rub. 20 per a document
 Rush ordering for information*****
Printing the information on turns under a settlement account for a period (by inquiry of the Client)  Rub. 200
Printing the information on opening / existence of the account, the account balance, absence of movement of money resource  Rub. 150 per a document
 For each additional copy  Rub. 20 per a document
Subscriber fee for the information about the balance on the settlement account Rub. 50 monthly
Assurance of the signature cards Rub. 100 per a signature
Assurance of a copy of the signature card Rub. 100 per a copy
Assurance of a set of documents  
Rub. 200
Rub. 500
Assurance of documents at opening a settlement account Rub. 50 per a sheet
Assurance of documents at change of the data in the record Rub. 50 per a sheet
Consultation on filling up payment documents Fee is not raised
Presenting the originals of the documents from the record of the Client when the account is being closed (by inquiry of the Client) Rub. 1 000
Closing the account Fee is not raised
2. Effecting payments
Payments within the Bank in favor of its Clients and /or the Bank itself Fee is not raised
Payment of taxes and insurance fees in non-budgetary funds Fee is not raised
Payments within the current Bank date in favor of Clients of other Banks, received in the Bank before 15-00  
Rub. 20 **
Rub. 20 **
Rub. 100 per a document
Searching money resources on behalf of the Client Fee is not raised
Changing conditions and cancellation of payments Fee is not raised
 Filling of payment document Rub. 100

*- according to the Item 2.1.6 of the SCS Agreement 
** - Payment of services of the enterprises of the State Committee of the RF on communications and informational support is a subject to additional compensation

***** - in ordering date

3. Operations with cash money resources
Delivery of check-books Rub. 50
Restoration of a check-book instead of lost Rub. 50
Withdrawal of cash money resources under the check  
Fee is not raised
0,3% from the amount
10% of withdrawal sum
Other purposes with documentary evidence more than 1,5 mln. Rub.per month – 3%****
Withdrawal of cash money resources under the check when the amount exceeds Rub. 3 mln for a month on the following purposes: 3% from the exceed amount
Withdrawal of cash money resources through the cash department of the Bank in the amount equal to the inflow Fee is not raised
In the case of regular withdrawals by client (corporate or individuals) large amount of cash (6 mln. rubles or more per month) (70% or more from the sums that was received/deposited during the month), if this withdrawals are not due the character of activity of the firm
The basis for that proposal - desision of the Board of Bank Sinergia***
3% from the amount
At excess of the outflow amount over the inflow 1 % from the exceed amount
Withdrawal of cash money resources over the limit established under the check, without an application (for any purpose) 2% from the amount
Announcement registration on a payment cash  Rub. 100 per a document
Reception and recalculation of cash money resources at delivery in the cash department of the Bank  
in banknotes Fee is not raised
in coins:
- up to Rub. 10 000,00 a day
- over Rub. 10 000,00 a day

1,0 % from the amount
2,5 % from the amount

** - For wire transfers on individuals accounts that has no relation to wages payments and/or other types of social benefits Bank reserves the right to change the rate to 10% with mandatory notification of client

*** - these changes spread on legal relationships, arising up with 01.11.2008г

4. Letter of credit
Initiating of Letter of Credit (with 100% covering ratio) 0.2% of LOC value per 90 days (if term is less than 90 days, fee is calculating proportionally to term, but not less than 1000 Rub)
Initiation of uncovered LOC is possible only due Russian Central Bank permission.  
Changes in conditions:  
1000 Rub
0.1% of sum enlargement, but not less than 500 Rub
Check of LOC contracts and LOC payments 0.1% of LOC value, but not less than 500 Rub and not much than 5000 Rub
Processing of LOC contracts of another bank 1000 Rub for each
Additional post and mail expenditures     paid out by client 
Contacting other bank due unregulated sums 250 Rub
Для Клиентов, не имеющих р/сч в АО КБ«Синергия»  
За заверение пакета документов, подтверждающих правоспособность клиента  
 • For Individuals  200 Rub
 • For Corporate Bodies  500 Rub