Bank Guarantees

The Bank guarantee is one of the ways to execute money liabilities which represents liabilities of the Bank (Guarantor) on payment of the certain amount to the Creditor of the Principal (Beneficiary) given out under the request of the Client (Principal). Under the basic obligation the Creditor acts as a Beneficiary. Issuing the Guarantee the Bank takes up risk of payment under it with the subsequent compensation of these charges due to the Principal. The Principal pays to the Bank remuneration for issuing the Bank Guarantee which size depends on:

  1. a kind of a Guarantee
  2. the guarantee period
  3. the provided backing.

Sinergia Bank, JSC issues the following guarantees:

Bid Guarantee represents the liability of the Bank given out under the order of the Party participated the tender in favor of the Organizer of this tender, to pay to the last side the certain amount at infringement by the Participant of the tender of terms of the Contract regarding refusal of its realization after it wins the tender. The Guarantee period is estimated before signing the Contract, or till the moment of execution of its obligations by the Guarantor in case of non-concluding the Contract by the Principal.

Payment Guarantee represents the liability of the Bank given out under the order of the Buyer in favor of the Seller, to pay to the last side the certain amount in case of non-execution by the Buyer of the obligations on payment under the Contract.

Advanced Payment Guarantee represents the liability of the Bank given out by the Guarantor (Bank) to the Beneficiary (Buyer or Customer) under the request of the Principal (the Seller who has received an advanced payment from the Buyer) to return the advanced payment to the Beneficiary in case of non-execution by the Seller of its obligations on delivery.

Guarantee of Execution represents the liability of the Bank given out under the order of the Seller of the goods or services or of other Contractor in favor of the Beneficiary (Buyer or Customer) to pay to the last side the certain amount in case of non-execution of the obligations under the Contract by the first side. The Guarantee should provide performance of delivery in due time and in exact conformity with the Contract, and also protection of requirements of the Importer to the Exporter if the Exporter will not execute fully or partially the coordinated deliveries or will not render services according to the Contract. However, the Bank should not take care of appropriate realization of delivery or rendering of service.

At delivery of a Bank Guarantee it is concluded a Contract about granting a Bank Guarantee defining the order of issuing a Bank Guarantee, its conditions, payment terms and mutual responsibilities of the Parties. Validity of a Guarantee depends on terms of execution of obligations under the Agreement (Contract) on which it is based.

Type of Guarantee Guaranties under the deposit of the Bills of the Sinergia Bank Guaranties on security of real estate Guaranties under other backing
Backing Bills of the Sinergia Bank, JSC Uninhabited real estate in Saratov Other backings, incl. Bills, equipment, auto transport, etc.
Requirements to the Principal Opening a settlement account and availability of turn-overs is not an indispensable condition The operating settlement account in the Sinergia Bank is required The operating settlement account in the Sinergia Bank is required
Conditions The amount of the bill is not less the amount of the guaranty, the term of the bill is not less the validity of the guarantee The cost of the mortgaged property should not exceed 50 % from the amount of the guaranty The cost of the mortgaged property should not exceed 50 % from the amount of the guaranty
Guarantee Period Not more a validity of the Bill Не более срока действия векселя Individually Individually

Detailed information on us and our services on issuing Bank Guarantees can be received in the Crediting Department by phone 223-107.

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 address:

Central Office:

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

Pokrovsky Office:

Engels,  3, Stroiteley avenue Telephones: +7 8453  950-091,  7 8453  950-52, +7 8453  953-103

Unallocated Bullion Account

Bank Sinergia provides very comfortable way to invest in precious metals (gold) - unallocated bullion account

Unallocated bullion account - this is an account where specific bars are not set aside and the customer has a general entitlement to the metal. It is the most convenient, cheapest and most commonly used method of holding metal. Unallocated accout specifies the amount of the precious metal that belongs to the client in grams, omitting the individual characteristics of such a metal (number of bars, standard, manufacturer, serial number, etc.). Other words speaking precious metal is not held in storage and on account of the client physically. 
Unallocated bullion account provides opportunity to get profit on gold price changing. Buying and selling trades will be done on Bank Sinergia rates that are published on www.sinergy.ru site and are based on spot rates on commodity exchanges that set daily.


Advantages of unallocated account:

Rates of the Bank on Unallocated bullion account here

For more information about unallocated bullion accounts, please, contact customer service department of Sinergia Bank, JSC, at the following addresses: 

27 Rabochaya Street, Saratov, or by telephone: +7 8452 223 501, +7 8452 223 500.
3 Stroiteley avenue, Engels or by telephone: (8453) 950-091, 950-520

Salary Projects

Synergia Bank, JSC offers services in the field of payroll cards, the plastic cards of the international payment system MasterCard. By signing the contract, you receive a number of advantages to cash payment:


You can get any additional information on the phone: +78452 223-500; 223-501.

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

 

 

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