What kind of action is taking place at Sovcombank? Sovcombank - promotional codes and coupons. The best conditions for a startup

Sovcombank offers a number of promotions and special offers for legal entities and individual entrepreneurs. Current promotions for Sovcombank loans are carried out for regular customers and startupers who have just opened their own business.

Interest rate reduction

The program is provided for regular customers or organizations choosing a new bank. For loan agreements of Sovcombank “ Super+" And " Real estate loan”Additional terms and conditions apply. To reduce the loan rate by two percent per year until the end of the contract, you must meet any of the requirements:

1. Use a current account with Sovcombank opened for entity or individual entrepreneur for more than six months without arrears for the commission for certification of documents and subscription fee for maintaining the account.
2. Served in this moment or earlier under the “Super+” and “Cash Loan” programs secured for a period of more than a year without debt.
3. A deposit has been placed on a legal account. person or individual entrepreneur.
4. Clients with a bank account opened less than six months ago need to transfer 50% of the bank account turnover from another bank to an account with Sovcombank within three months after the loan is issued.

When applying for a discount on points a), b), c), the rate reduction begins to take effect from the second month after registration, with option d) the rate reduction is carried out from the fourth month if all conditions are met.

The best conditions for a startup

For companies that have existed for less than three months, Sovcombank is ready to offer the Startup package. The promotion is based on providing the most popular services for FREE at the very beginning of the service.

Thanks to extensive statistics collected by the bank, it was found that these services are most often used by directors of young companies and individual entrepreneurs.

As part of the Sovcombank promotion, a Start or Remote current account is opened; connection to the promotion is carried out based on the signature of the application. The cost of the service package for individual entrepreneurs is 500 rubles, for legal entities. persons - 1000 rubles.

Special offer from Microsoft

For clients who want to update equipment for themselves or their company, Sovcombank PJSC offers discounts in the official Microsoft store. The purchase is made on the website microsoftstore.ru; when placing an item in the cart, you must enter a unique promotional code. detailed information about receiving a promotional code is available in the “News” section of the client bank, the news is dated 12/20/16.

The Sovcombank promotion offers a coupon as a gift computer equipment from the world's best manufacturers at a low price. Using the discount, the client receives:

Bank branches are located mainly in small towns, and most financial services is different affordable price, designed for people with average and lower average income. You can also save additional money using bonus offers from Sovcombank - promotional codes for discounts.

Among the banking products offered:

• payment cards, including the Halva installment card;
• consumer loans for various purposes;
• small business services and others.

Sovcombank has also developed a number special programs, including the “Credit Doctor” package to improve the borrower’s credit history, “Stop Debt” to solve problems with outstanding debt and others.

In addition, through Sovcombank you can issue insurance policies for real estate, cars, and medical treatment. The service is provided in partnership with leading insurance companies.

Loyalty program “Honorary Client” and “Halva” card

For clients who have opened a pension or salary account with Sovcombank, bonus program. It includes:

• increased interest per annum on the account balance;
• free service;
• discounts on interest rates on loans;
• accelerated loan processing and other benefits.

Another profitable product of the bank is the Halva card. On Utro you can often find coupons offered by Sovcombank that describe all the advantages of this card. In short, “Halva” is a card with which you can purchase products in partner stores in installments for up to 12 months without initial fees, overpayments and commissions. Receive the goods you want immediately and pay for them later. And also save up bonus points: 3% for purchases from partners and 1% for other purchases.

Subsequently, points are used for non-cash payment for goods at the rate of 1 point = 1 ruble.

Saving at Sovcombank with promotional codes and coupons

Bank coupons - The best way find out about everyone possible ways receive benefits and not miss special offers, namely:

• reduced interest rates on loans;
• increased profitability of the deposit;
• grace period for lending;
• increased cashback on the Halva card and others.

Open any of the coupons and follow the link to the bank’s website.

What does Utro offer?

Utro provides users with the most valuable resource - information. And it does it absolutely free. Visit us and get access to coupons offered by Sovcombank and thousands of other offers with discounts, promotions and sales. Learn how to purchase quality goods and services without overpaying.

The most common ways to save in this bank are:

• Reduced loan rates. At Sovcombank you can get discounts on loan interest rates of 2-5%, depending on the type of promotional offer.
• Special conditions when opening a deposit. Typically these are increased rates on deposits of 10% per annum and above.
• Discounts by code. Sovcombank promotional codes entitle you to more favorable terms of cooperation with an individual or legal entity.
• Free services. These include: transfer from a card of any third-party bank to an account in Sovcombank without commission, free account replenishment mobile phone, the right to issue a Halva installment card with free shipping. The number of proposals of this kind is regularly increasing.
• Special offers. A separate section on the Sovcombank.ru website, which contains exclusive offers for clients of different segments of the population. For example, a pensioner can get a loan under special conditions, mortgages for young families are issued at a reduced interest rate, and a consumer express loan is available from 12% per annum.

Sovcombank: coupon and how to use it

The coupons from Sovcombank presented in front of you will help:

• receive an individual discount on the interest rate for a specific loan;
• take advantage of an increased deposit rate;
• take out a loan for business development at a reduced rate;
• order a free credit history check;
• get credit card with free annual maintenance.

All information about promotions is reported in the feed on home page Sovcombank.ru, but if you are interested in exclusive offers from Sovcombank, you will find promotional codes on 3DNews. Open one of the offers you are interested in and copy the code that should be entered when applying for a bank service.

*According to the Banki.ru portal

Advantages of the Halva card

The Halva card makes it possible to buy almost any product in installments every day. No down payment, commissions or overpayments.

More than 150,000 stores for shopping with free installments! "Halva" is available to everyone!

Free registration and service

(accrued only for purchases with your own money)

3 At store checkouts - via Google, Apple or Samsung Pay (except online purchases).

Card delivery by courier

There is no way to come for Halva - it will come to you itself!

You can get all the information about tariffs, partners, discounts and installment periods at information portal www.halvacard.ru and by phone hotline 8-800-100-777-2 .

Conditions of registration

• Citizenship of the Russian Federation;
• Age from 20 to 75 years (for cards with a limit of more than 0.1 ruble);
• Age from 18 to 90 years (for cards with a limit of 0.1 ruble);
• Official employment (work experience at last place of work for at least 4 months)
• Availability of permanent registration for at least the last 4 months in the territory of one locality of the Russian Federation, residence in the city where the Bank’s division is located or in one of the adjacent localities (but no more than 70 kilometers from any internal structural division of the Bank);
• Having a personal mobile phone.

  To obtain a Halva Card, all you need is a Russian Passport! *

  * If information is necessary or insufficient, the Bank has the right to request Additional information about the client (documents confirming ownership of property: apartment, vehicle etc.), including additional documents (second identification document; documents confirming the client’s income).

Redemption

• Through self-service devices and Bank offices;
• Through Russian Post Offices;
• Through Third Party Organizations*;
• By transferring from card to card using details;
• Through the Internet banking service (transfer from other client accounts).

* The size of the commission is set independently by third-party organizations.

Hello!

So my six-month collaboration with Sovcombank has ended. In May I applied for a loan and was offered a program to correct my credit history. I bought insurance from them on credit that I didn’t need, against an accident, and a credit card with a “zero” limit “Golden Key”. I used this card 5468********7901 as a debit card. Of course, the card is nothing like a debit card, 1500 annual service, maximum cashback of 200 rubles per month, and 4 percent for withdrawing your own cash from your own bank. Nevertheless, I used it, my salary was transferred to her monthly, I’m not a salary client, they simply transferred it, but regularly.

In short, I paid off my first loan, the program had changed by that time, and a bunch of stages were added. I came to apply for a second loan, the girl immediately saw how much it was possible... I applied for a second loan. I recently paid it off. Well, I think I’ll go through the third stage, or I’ll just get a loan, it doesn’t matter to me, I don’t need a large amount. Today I came to “my” mini-office on Vokzalnaya, 43, when I visited it last time, an employee was rude to me and I left a review about it here. Thankfully the employee I'm more in this office did not see. So the bank specialists working here promptly responded to my review based on reviews, and apparently this employee was sent into exile somewhere. When I responded to my review, they said that next time I would feel changes and a gift awaits me! In short, today there was another, quite polite employee, although not very competent... I had to explain to her that I still have a credit card, albeit with a 10-kopeck limit. But the girl turned out to be stubborn and tried to hammer into my brain that I didn’t have a credit card. I explain to her that the absence of a large limit does not mean that the card is not a credit card. I thought to myself, I wish I could poke her into the contract, or let’s say, into the BKI report, so that she would stop trying to prove to me that this is not a credit card. But I decided not to argue with her, she’s a specialist)) I only asked about the gift that the bank promised, jokingly asked, maybe some kind of insurance?)) She “shrugged her shoulders” and said, “I don’t know”, slightly disgustedly added that we have some symbolic souvenirs, or something like that. Well, the whole topic of the gift was exhausted with this)) I said, I want to close the card on the second loan, since it has been paid off, why do I need a card on which there is 6 rubles interest for placing funds in the account to repay the loan. And he added that I also want to take out another loan, and if it is possible not to have a fourth card, then transfer money to this card, then there is no need to close it. Although for me it would be listed as “credit-non-credit”, I use it all the time, and it would be more convenient for me.

Then she asks how much I would like to receive, I say, but I don’t need much, as much as the bank deems possible. The girl herself told me the second loan was 10,000 rubles, well, apparently she indicated that this program for correcting credit history was working. Well, I think since he’s asking, it means I don’t really need this program now. Still, two loans were paid off successfully, I transfer salaries to the card regularly, the bank sees this. I ask, can I offer an amount of 30,000, and if the bank considers this a large sum, it will offer Alternative option. Although this in itself is strange if this is already the third loan, and I transfer approximately the same amount to the bank every month. She says it's possible.

We send. Refusal comes. He says come back in 90 days. Well, I decided not to wait 90 days and close all three useless cards. It turned out that her mini-office would not work, since the remaining money needed to be withdrawn from the cards. I went to the head office on Pervostroiteley, 15. I came and said that I didn’t like the “gift” I wanted to close the accounts and return the cards to the bank. Two were closed, and the third was just blocked, so I’ll have to come back in a few days, transactions for my purchases should go through my account. In this office, even though the employee called the credit card a credit card, apparently it already dawns on them that an insignificant limit does not cancel the agreement that the card is a credit card.

By the way, about the limit. Recently, I just contacted the bank about information in the Internet bank regarding an unauthorized overdraft not being updated. Everything had already been repaid, and the debt was displayed. On the hotline they say everything is normal, there is no debt, I say so and I do, but I don’t like to see that it’s like I owe it. In short, they were unable to update, but then I finally found that I could update myself, there is a “round box” where you need to click. But I kept updating the page and coming in and out for a single day, and before that it was updating itself. In any case, the employees should have told me that I can click somewhere to update, they themselves apparently don’t know this.

They sent an SMS “when transferring money “card-to-card” an unauthorized overdraft occurs, we recommend that you make payment 3-5 days after the transfer.” The question is, why the hell do I need this, wait?) Wouldn’t it be easier to set a limit of some 5000 thousand, then overdrafts wouldn’t arise. I am monthly at times more money I put it on the card. In short, goodbye.