For Individuals

Sinergia Bank, JSC offers the Clients a wide spectrum of banking services.

Our task is to grant our Clients the balanced range of the products providing an individual approach and high quality services.

The experts of the Bank will always help to pick up a product interesting you.

The upgraded range of deposits is developed for favorable placing of savings in the Bank. At your service Ruble & Foreign Currency Deposits. On January, 14, 2005 the Sinergia Bank has been included in the Registers of the Banks participating the Obligatory Insurance System under the No.435.

Also you can take advantage of Money Transfers & SCS, i.e. to effect transfers, payments under credits in other Banks, and also to pay municipal services.

Bank Sinergia is a member of money transfer/payment system "Contact"

For storage of values the Bank offers the service Storage of values in individual safe-deposit boxes. Confidentiality of lease of the safe box and complete safety of its content are guaranteed.

The conditions of the Credit programs of the Bank are flexible. We do not levy the hidden commissions and fines.

Sinergia Bank, JSC issues plastic cards of one of the largest payment systems MasterCard- Maestro, Standard, Gold. A bank plastic card is a universal payment tool for managing a bank account, which allows a card holder to pay for goods and services in various retail and service businesses that accept cards, get cash, as well as use other additional services and benefits.

 

Ruble & Foreign Currency Deposits

Depository Accounts

Sinergia Bank, JSC offers to your attention a new range of deposits.

Deposits in Rubles:

Deposit Min. amount (Rub.) Interest Rate Period
Vash Vybor 1 000

6%

1097 days
For The Minor Expenses * 200 000 6% 550 days
Sinergia-VIP 300 000  6%  365 days 
Lubimy Vklad  1 000 5,5% 730 days
Vernoe Reshenye 1 000 4,5%  730 days
Call Deposit от 200 рублей 0,10% -

 * - for the owners of plastic cards

 

Deposits in Foreign Currencies:

Deposit Min. ammount(USD / EURO) Interest Rate Period
Classicheskyi Valutnyi from USD / EURO 200 0,3% 365 days
from USD / EURO 200 0,2% 91 days
0,3% 181 days
0,5% 365 days
Call Deposit from USD / EURO 10 0,10% -

 

Money Transfers & SCS

Settlement & Cash Service is offered the Bank Clients - to the individuals who have opened Call Deposit accounts in the Sinergia Bank and also who have no account. The investor has the right to give the assignment on realization of cashless transfers from the account. He can grant an opportunity to dispose of his current account to other person by proxy. Retrieve and transfer of money resources to the account is not limited neither on an amount, nor on a term.

For realization of operations under the account the Bank levies the commission.

Interest on the account are charged according to the rates on servicing of individual persons. 

Foreign Currency Transfers
Euro transfer without opening an account / Transfer from the account 0,75 % from the transfer amount, 
not less EURO 45, but not more 
EURO 100
Dollars transfer without opening an account / Transfer from the account 0,75 % from the transfer amount, 
not less USD  25, but not more 
USD  100
Transfer/withdrawal Western Union payments Fees are estimated by service provider – NKO Western Union Ltd. Company
Transfer/withdrawal CONTACT system payments Fees are estimated by service provider – “Rapida” Ltd. Company
Withdrawal of the transfer in a foreign currency 1% from the transfer amount
Converting foreign currency in the amount of the deposit and interest under the currency of Russian Federation According exchange rate of Sinergia Bank, JSC
Converting the currency of the RF in the amount of the deposit and interest under the foreign currency account According exchange rate of Sinergia Bank, JSC
Foreign Exchange operations(Buying and Selling currencies, Conversion operations)            By Bank Sinergia rates
Bank Sinergia fees on buying damaged foreign currency notes 20% of banknote nominal value (in Russian Rubles by Russian Central Bank exchange rate)

 

Ruble Transfers
Transfer without opening an account / Transfer from the account Up to Rub. 4 000 – Rub. 40  
Above Rub. 4 000 – 1% from the amount, but not more Rub. 3 000
Client's tax payment transfer  Free
Transfers via BASP system Rub. 100 per a document
Transfer/withdrawal Western Union payments Fees are estimated by service provider – NKO Western Union Ltd. Company
Transfer/withdrawal CONTACT system payments Fees are estimated by service provider – “Rapida” Ltd. Company
Individuals’ transfers (without account opening service) in favor of  “Shkolnaya Carta” Ltd.  Free
Transfer/withdrawal Papida system payments Fees are estimated by service provider – “Rapida” Ltd. Company
Cash withdrawal of wire transfers received by “Sinergia” Bank  on deposits of individuals accounts (per month) - less 500 000 Rub – 0,5% of total sum
- 500 000 - 1 mln. Rub– 1% of total sum
-  more than  1 mln. Rub  – 3% of total sum.
* Bank has a right to change fees on this kind of transactions with compalsive notification of the client
Cash withdrawal of wire transfers received by “Sinergia” Bank  on deposits of individuals accounts (per month) with instructions of:
a) Social type of payments from the budget organizations (pensions, stipends, allowances, subsidies and similar payments) 
b) the return of overpaid (collected) taxes, fees, fines and penalties in accordance 
with the legislation on taxes and fees
 Free
Intrabank transfer of money resources from accounts of individuals Rub. 30
Cashing of the money resources, came cashless, at excess of volume of cash withdrawal of Rub. 2 mln in a month 3 %
Cashing of money resources under transactions of mortgage lending Free
Printing information notes on availability, movement and balances of money resources under accounts of individuals Rub. 50
Restoration of a deposit-book instead of lost Rub. 25 per a document

 Using money transfer & payment system CONTACT has many advantages:

      Transfer/Payment delivery time - 15 minutes.

Tariffs for sending money transfers via Contact system .

You just need a personal identifying document - passport, drive license.

According to Russian Federation law:
You can transfer foreign currency and Russian Rubles inside Russian Federation without any limitation of sum; Russian Federation citizens can transfer foreign currency or Russian Rubles not more than 5000$ (or equivalent in other currencies) per day.
Foreign citizens can transfer without any limitations.

You can send/receive money using CONTACT system in Bank "Sinergia" offices:

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

Western Union Transfers

Since 1871 the American company - Western Union - is engaged money transfers via modern communication and information handling facilities. The latest electronic technologies applied by the company allow transferring money for any distance for few minutes. Each transfer is protected by a reliable world-class system of safety guaranteeing that the money will be paid out only to the person specified by you.

The International System of Transfers created by the company together with its numerous foreign partners acts in more than 180 countries and territories of the world and has about 90 000 service stations, including over 2500 stations in the CIS and Baltic countries.

The Sinergia Bank effects Western Union transfers according to the tariffs of NKO Western Union DP Vostok Ltd.

You can send or receive money by Western Union System for only several minutes  in Bank "Sinergia" offices:

 

According to the current legislation the citizens of the Russian Federation have the right to transfer from the Russian Federation within one operating day foreign currencies or the RF currency in the amount not exceeding US $ 5000 or an equivalent of this amount in another currency.

Operations on Accounts

Opening of a current Bank account or a Call Deposit account allows realizing the range of operations:

The Bank grants account statements on all operations.

Cash Services

The Bank grants the individual Clients the cash services including following operations:

Deposit-Safe Boxes

The Sinergia Bank offers in lease individual deposit-safe boxes for storage of documents, securities, jewels, works of art and other things having value for an individual or legal person.

If you worry for safety of your values in your absence, when you leave for holiday and need a reliable storing space of cashes, foreign currencies, jewels, securities and documents, including the information on various carriers (CD, audio- and video-recordings, etc.), you can lease a safe -deposit box in our bank. At lease of a safe box you obtain guarantee of safety and confidentiality of its content.

Sinergia Bank, JSC offers individual deposit-safe boxes of four types differing in sizes and costs:

Type / Sizes of the safe (mm.) (H*W*L)

Sizes of the internal space (mm.) (H*W*L)

Rate in Rub./month (incl. VAT).

  H*W*L H*W*L Цена
А 155*240*350 140*200*265 200
B 205*240*350 200*200*265 250
C 455*240*350 445*200*265 300
D 205*495*350 195*455*265 300

 

The individual safe-deposit box is offered to individuals and legal persons on conditions of the Confidential Agreement.

The leaser has the right to allow using the safe box to its authorized representatives.

The saferoom is opened every day, except days off and holidays, from 09:00 to 17:00(Break from 13:00 to 14:00).

For detailed information you can contact the Clients Service Department by the address of Sinergia Bank, JSC: 27, Rabochaya Str., Saratov or by phones (8452) 223-501, 223-500.

Crediting Individuals

SINERGIA BANK, JSC CREDITS INDIVIDUALS AND ALSO INDIVIDUAL BUSINESSMEN.

Main conditions:

Backing Credit Amount Period Indispensable conditions Interest Rate
Mortgage of auto transport (personal/commercial) up to 70 % of a commercial value of the mortgage up to   1 year Insurance of the subject of the mortgage defined individually
Mortgage of real estate property up to 70 % of a commercial value of the mortgage up to 2 years Insurance of the subject of the mortgage defined individually
Mortgage of Bank securities up to 100 % of a commercial value of the mortgage up to 2 years Передача на хранение в банк defined individually

Operation with Bills

If your company wishes higher liquidity in comparison with the deposit at similar profitability, Bills of the Sinergia Bank is the optimum decision for your business.

Conditions of issuing the Bills of the Sinergia Bank give unique opportunities on management of monetary flows of your company:

  1. Profitability under the bill is similar to profitability of the deposit, but thus the bill possesses greater liquidity and can be used as a mean of exchange with counterparts of the company, including international payments.
  2. The bill, unlike the deposit, can be used as a mortgage at loan.
  3. To purchase the bill you do not need to open a settlement account in the Bank.
  4. You can easily transfer the chose in possession under the bill to any third person – it is enough to make only corresponding sign on the underside of the bill (endorsement).

The Sinergia Bank carries out the following operation with bills:

RATES of the Bank under the Bills
The minimal amount of allocation – Rub. 300 000 (US $ / EURO 100 000)

Amount, period, annual interest rate Amount
Amount 31 days 91 days 181 days 272 days 365 days %
US dollars from 100000 0,1% 0,2% 0,5% - - at the end of term
EURO from 100000 0,1% 0,2% 0,5% - - at the end of term
RF rubles from 300000 – 10000000 2% 3% 4% 5% 6,5% at the end of term
RF rubles above 10 mln 3% 4% 5% 6% 6,5% at the end of term

Also the Sinergia Bank fulfils registration operations of bills of foreign emitters.

   
Withdrawal of cash money resources under the bill 2 % from the amount
Carrying out of registration operations 1% from the amount

Additional information and necessary consultations you can receive from the experts of the Client Servicing Department by phone (8452) 223-501

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