Do you want to open a deposit, receive a debit or credit card? You need a reliable bank. Since there are a lot of financial institutions, choosing the right bank will take a lot of time.
It is necessary
banks, ratings, documents for contacting the bank, information in the media or bank reports
Instructions
Step 1
Start by examining the ratings. Compare bank assets over several years. After that, it is worth examining similar indicators in recent months. With this information, you can easily identify a list of reliable banks. The financial institution's assets should increase, not decrease.
Step 2
You can do a deeper analysis if you wish. To do this, it is worthwhile to study media reports about this bank, read interviews with managers. Find out who is the main shareholder of this bank.
Step 3
When choosing a bank, do not forget about your goal. One financial institution is better suited for mortgage lending, while another is better suited for opening a deposit. At the same time, many indicators of banks can be the same. Only banking products can differ.
Step 4
It is useful to collect information about the largest financial institutions in your city. If a bank has an extensive branch network, this indicates its stability. Now every financial institution has a website. Study the information, find out the interest rates on a loan or deposit, methods of transferring money, storage periods and withdrawal options.
Step 5
Many banks provide special conditions for VIP clients. Anyone who makes a large deposit can fall into this category. As a rule, for such clients, the bank offers increased interest on deposits, service by a personal manager in a dedicated area and other pleasant bonuses.
Step 6
Explore the TOP 10 banks. The list includes the largest banks in the country that provide services to legal entities and individuals. Such banks have a branch network and offer a variety of services to the population.
Step 7
You don't need to go to the first bank you come across. It is always worth considering several options. If you have questions about a banking product, this is a great way not only to find out information, but also to assess the level of customer service.
Step 8
Note that some banks may offer very high interest rates on deposits. If the numbers are not typical for the market, it is worth considering. Such proposals are made by those organizations whose position in the market has become critical.
Step 9
Remember that your deposits are insured for 700 thousand rubles. If you want to place a large amount, open accounts with different banks. Or put all your money in one that is known for its impeccable reputation.
Step 10
The media regularly publishes reports from which you can find out the state of affairs of the bank. Information is also available on the organization's website and on specialized sites. When making a choice, keep in mind that the amount of the bank's assets must exceed the amount of its liabilities.
