Individual Customers

Retail Lending Programs

Consumer loans

• Uncollateralized /collateralized consumer loans;
• Consumer loans against pledge of immovable property;
• Loan “Sadovod” – special offer for land plot owners;
• Loans for engineering services (water supply, drain system, electrification, heating system, etc.);
• Special lending programs for pensioners;
• Educational loans;
• Loan “Reliable customer” – for the bank’s clients with impeccable credit history;
• “Pre-approved” loan;
• Re-equipment of vehicle to gas fuel;
• Refinancing of consumer loans.

Car loans

Loans extended for the purchase of new or used cars.

Mortgage loans

• Special terms on mortgage lending for young families, and in case of using the parent (family) capital;
• Special mortgage lending program for individuals – members of Savings and Mortgage System of Housing Provision for Servicemen.

Credit cards

• Credit cards with grace period;
• Credit cards with cashback;
• Credit cards with bonuses/donations feature. 

Deposits and Customer Accounts

Russian Agricultural Bank also provides its clients such traditional banking services as maintenance of accounts, depositing, money transfers and insurance of deposits.

The Bank offers special deposit products:

• accounts used in accordance with Federal Law No. 44-FZ dated April 5, 2013 “On the Contract System in the Procurement of Goods, Works, Services for State and Municipal Needs”
• escrow accounts used to carry out settlements under agreements of co-funded construction.

Money Transfers and Payments

• Money transfers without opening an account;

• Western Union Money Transfer system;
• Unistream Money Transfer system;
• Payments for utility and housing maintenance services and other.

Precious Metals and Coins Operations

Investment coins

Transactions with bullion precious coins are mainly used as a tool for investing surplus funds, as the cost of such coins is close to the value of precious metals contained in the coin.

Depersonalized metal accounts and bullion

Russian Agricultural Bank opens depersonalized metal accounts in gold, silver, platinum and palladium, as well as buys and sells precious metals bullion.

Safety Deposit Box

Russian Agricultural Bank offers to corporate and retail customers to lease individual safety deposit boxes to store cash, jewelry, securities, documents and other valuables. For the provision of this service the bank charges commission in accordance with the applicable tariffs.

Premium Banking Service

Russian Agricultural Bank’s Premium Banking Service is a high-quality work with private clients to provide integrated and comprehensive financial services.