SKB Bank card balance. SKB Bank personal account: instructions for registering and changing your login and access password How to register with SKB Bank online

Joint Stock Commercial Bank for the Promotion of Commerce and Business (SKB-Bank) is the largest private regional bank in the Sverdlovsk region - a large network universal bank of a federal scale. General license No. 705 of the Central Bank of the Russian Federation.

You can get into your SKB Mobile personal account by first visiting one of the organization’s offices.

Access is provided for individuals and entrepreneurs. In addition to an intuitive interface, the office has the necessary functionality.

The user has the opportunity:

• find out about the financial status of accounts, including if a card is linked to them;
• pay for various services 24/7;
• make transfers to companies and individuals using the account number and other details;
• set up automatic payments;
• place orders for services in this system.

Of course, you first need to register to use your profile in real time.

Registration of a personal account at SKB Bank online

To use the SKB-online RBS system you need:

• 1. Contact the Bank to conclude an Agreement for Comprehensive Banking Services and connect to the Internet bank “SKB-online”;
• 2. Receive a Password and Login from the Bank to log into the Internet bank “SKB-online”;
• 3. Log in to the SKB-online Internet bank, enter the received Login and Password and start working with the system.

How to restore access to SKB bank profile

Recovering your password is a fairly simple procedure, which consists of entering the SKB bank card number on the bank’s official website in the “online banking” tab.

Mobile application SKB mobile online

In the mobile application you can get up-to-date information on accounts and deposits:

• information on your debit and credit cards, deposits, loans, debts without contacting the Bank;
• history of recent transactions, statements and expense analytics;
• easy to find the nearest ATM or Bank branch.

Pay for services online:

• Housing and communal services, cellular communications, traffic police fines, loans from any bank, etc.;
• transfer money to accounts, cards, deposits of any bank;
• set up regular payments using templates.

The application can be downloaded from the Apple Store and Google Play.

SKB Bank is included in the category of large, actively developing banks. This financial organization was founded in 1990 in Sverdlovsk. The main activity of the bank is retail lending to individuals.

SKB Bank owns a wide network of offices and branches in many Russian cities and the DeloBank Internet bank, which allows entrepreneurs to achieve favorable conditions for the development of small businesses.

For the most convenient use of bank services, clients can use the online platform at any time, which allows them to manage accounts from any city, from any country.

Before starting to manage accounts, the user must go through the procedure of registering a personal account.

Personal account features

After activating your personal account, SKB clients can manage their own funds online, as well as:

• View current information regarding account and card balances;
• Clarify the terms of deposits and loan debt;
• Receive a statement with information on the loan, account and cards;
• Communicate with bank representatives online;
• Pay checks and utility bills;
• Make transfers of funds to cards of any financial organization;
• Create payment templates and personally adjust the schedule for their implementation;

Login to your SKB Bank personal account

How to log into online banking:

1. Open the login page on the official website: https://online.skbbank.ru/ru/html/login.html
2. Enter your username and password;
3. Click the “Login” button and wait for an SMS message with a password to access the bank;

To safely use your personal account, bank clients are recommended to:

• Visit your personal account and make financial transactions through the official website, since third-party resources may store and subsequently misuse user data;
• Store data in a secret place, without disclosing your login and password even to bank representatives;
• End all sessions. When you finish working in your personal account, be sure to click the “Log Out” button.

Registration of a personal account SKB-online

To use the remote banking system, the user must follow simple instructions:

• First of all, the client needs to visit any SKB branch to enter into a written agreement to provide the opportunity to use the “Personal Account” service;
• Next, you should fill out an application, indicating your personal data;
• The last step is to obtain a login and password for authorization in the system.

A private entrepreneur can register only with the help of a bank representative; to do this, it is necessary to visit a branch of this financial organization.

Mobile application for bank

To more conveniently manage their own accounts, bank users can use the mobile application, which IOS and Android users can download for free.

After installation, the application must be activated. To do this, a message with a code will be sent to the phone number specified by the user. Login and password are entered in the appropriate fields. Next, the user must click the “Login” button

Also, SKB Bank clients should check for new versions of the application, because... updates improve the performance of all functions. Moreover, in outdated versions of the program, some functions may not work correctly. You should also always close your account by clicking the “Logout” button, and not just by closing the application.

How to recover the password for SKB Internet banking

If a SKB Bank client has forgotten the password for his personal account, he can always resort to the “Password recovery” service. To confirm the action, the user must click the “Next” button.

Instructions:

1. Open the page: https://online.skbbank.ru/ru/html/login.html
2. Click “Forgot your password”;
3. We enter all the required data: bank card number, etc.

Next, an SMS message with a code will be sent to the specified phone number. This code must be used as a new password to log into your account. After logging into your personal account, it is recommended that you change the password received on your phone to your own.

If, for some reason, the client does not have an Internet connection, to recover the password, he can always contact a bank representative, who will provide the client with access to the system as soon as possible.

How to delete your personal account

If the user decides to refuse the services of SKB Bank, he needs to delete his account. This is done to prevent attackers from using the client’s personal data for fraudulent purposes.

To block your personal account, you should take the following steps:

• call the hotline. During the call, the client must tell the operator the reason why he refuses the “personal account” service and provide his personal data. To confirm your identity, a bank employee can clarify the code word and ask a number of questions;
• visit a bank branch. To more securely block an account, the user can visit an official representative of a financial institution. A bank employee will ask you to provide a written refusal to use your personal account, a copy of your passport, a copy of the agreement and card details. If the client deletes his personal account, but decides to continue using the bank’s services, the cards will not be taken away from him;
• go to the application and delete your account from your mobile device. To do this, you need to open the application, exit it (by clicking the “Exit” button) and delete it from the device. After deleting, you should check all folders and clear the cache.

The application may be deleted from the server for several days. At this time, you should not perform financial transactions either from the full or from the mobile version of the program.

The Russian banking system is a collection of various national and commercial banks operating within a single monetary system. The banking sector consists of the Central Bank of the country, a number of commercial banks and financial settlement institutions. The main player in the system is the Central Bank; it is he who carries out the foreign exchange and emission policies, and also acts as the core of the system’s reserve. Commercial banks perform all other banking operations.

One of the representatives of commercial banks is. Its history begins on November 2, 1990. This particular day was marked as the day the Joint-Stock Commercial Bank for the Promotion of Commerce and Business received a license to provide banking services. Since then, a lot of water has passed under the bridge and today SKB Bank is the largest private bank on a federal scale, located in the Sverdlovsk region.

SKB Bank on the sofa - modern technologies

Due to the introduction of modern technologies into life, every client can use the service provided by SKB Bank on the couch, from anywhere on the planet where there is Internet access. Having at his disposal a personal computer, smartphone, tablet with Internet access, a bank client must visit the bank’s page. It is worth noting that to use remote account management you do not need to install a special application or purchase a license.

The “Bank on the Couch” service has a convenient and intuitive interface, so the user does not require any special knowledge or skills. Operating the system is simple, similar to managing any other website.

Settlement operations and security

The list of system capabilities is wide and amounts to about 50 operations. The system is available 24 hours a day, 7 days a week. The connection takes place over a securely protected channel, so you don’t have to worry about the safety of your data. Some of the main operations performed through the system are:

1. Payment of utility bills, mobile and city communications, Internet and television, as well as goods purchased through the online store.

2. Making ruble transfers to accounts within SKB Bank, other banks, among your accounts in the amount of no more than 9,999,999 rubles.

3. Detailed information about all completed account transactions and generation of account statements.

Providing bank security involves the use of modern technologies, the fundamental of which are “Session Keys”. They are used to protect transmitted information from falsification and distortion. “Session keys” are an analogue of the actual manual electronic signature, so there is no doubt about confidentiality. As provided security parameters, the client is offered:

1. Login. Client ID when logging in.

2. Password. A set of characters known only to the client, which are entered by the client to access the system tools under his login.

3. Session key. A set of characters confirming each individual transaction.

If the login and password become known to third parties, the bank recommends that the client immediately contact the support service to request an account.

Bank on the Couch charges a fee for certain transactions, but not for others.

Basic operations for which commission is charged

1. Conclusion of an agreement and connection to the system.

2. Replacing cards with cards connected to the system.

4. Transferring funds from one account to another between individuals within SKB Bank.

5. Transfer of funds to the accounts of a legal entity or individual entrepreneur.

6. Transfer of funds to accounts in other banks.

Basic operations for which no commission is charged

1. System blocking.

2. Transfer between your own accounts

3. Monthly maintenance of the contract.

4. Closing the contract.

The client can familiarize himself with the full list of paid and free operations at any bank branch, also by going to the corresponding bank page on the Internet.

SKB Bank on the couch - connecting users to the system

If you need to become a happy user of the “Bank on the Couch” system, you must meet the following conditions that will allow you to immediately connect to the service:

1. Have any or a valid bank card at SKB Bank.

2. Conclude an agreement at any bank branch.

3. Obtain a sealed account envelope from a bank employee, which will contain the password, login, session keys, as well as operating instructions.

4. Go to the required page via the Internet, enter your password, login and get to work.

Using the services of remote management of a bank account at SKB Bank today is convenient and simple. The client does not need to personally visit the bank to obtain the necessary information about completed transactions, fill out applications for the provision of account statements, and make transfers. You can carry out operations from any place where there is access to the Internet, and all operations performed take place in real time and are displayed on the display of the device or personal computer.

SKB-Bank is a large bank in the Urals. For the convenience of clients, the bank offers them such a service as applying for a loan via the Internet. An online loan application at SKB Bank takes no more than 5 minutes. You are required to indicate the loan amount, term, provide your contact information and answer a number of questions

SKB-Bank loans

SKB-Bank offers potential borrowers over 10 loan programs. Clients have a choice - to apply for a special targeted loan or use a consumer loan for any purpose and need.

At the same time, the majority of targeted loans from SKB Bank are aimed specifically at mortgage lending and loans under programs for improving housing conditions, construction, etc.

SKB does not have special loans for the purchase of goods, for paying for vacations, for repairs, for purchasing a car or for treatment. Here, this function is performed by consumer loans, which differ in terms of lending for different categories of clients. For example, holders of SKB-Bank salary cards can receive a loan at a reduced rate; interesting conditions with a reduced rate and an increased lending limit are available to employees of accredited partner companies.

The only consumer targeted loan in the bank’s assets is the refinancing of accounts payable in third-party credit organizations. Thanks to this loan, the client can get a loan and repay all his existing loans in other banks, thus paying only 1 monthly payment to 1 lender, and not 2-4 different payments at different times to different banks.

This is one of the most popular types of loans in most banks, which has been in good demand recently. People are increasingly trying to optimize their loans, in which SKB-Bank successfully helps them.

Requirements for the borrower

SKB-Bank has a small list of mandatory requirements for borrowers, which varies depending on the chosen loan product. For example, borrowers who meet certain conditions can submit an online application for a “Loan for their own” to SKB-Bank:

• Age from 21 to 65 years at the time of loan repayment
• Work experience in the last place for at least 3 months
• Availability of a salary card
• Permanent registration and residence in any region of Russia, even where there are no bank offices
• Russian citizenship

Borrowers who want to borrow money under the “Individual” loan, “Everything about everything”, “Refinancing” program must meet the following mandatory requirements of the credit institution:

• Russian citizenship
• Age from 23 to 70 years at the end of the loan
• Work experience in the last place is at least 3 months. This requirement does not apply to pensioners aged 50/55 to 70 years.
• Permanent registration of the borrower in the regions and localities where SKB-Bank has offices

But citizens who meet the above requirements, but between the ages of 21 and 66, can receive a credit card from SKB-Bank.

The easiest way to get a loan from SKB Bank is for borrowers with a positive credit history and official employment at some large enterprise in the city.

The fact is that when making a decision on issuing a loan and setting a limit, not only the client and his solvency are assessed, but also his employing organization, its reliability and financial performance. When issuing a large loan, the bank must be sure that the employer will not close in a couple of months and will not leave the borrower without work.

An important factor is work experience. The lower it is, the lower the borrower’s chances of a positive decision and a good credit limit and vice versa. The lender understands that the employer will be more loyal to an employee who has been working at his company for 5-10 years than to one who has worked for only a few months.

Different age restrictions for different types of loans are also made for good reason. Credit cards are more often used by young and active people, and the limit on them is not so high, so the minimum age has been reduced to almost a minimum (21 years).

A similar minimum threshold is set for salary clients, which explains this. There is much more trust in payroll clients than in any other.

Required documents to obtain a loan from SKB-Bank

The list of required documents to obtain a loan from SKB Bank will directly depend on the chosen loan program. In general, it can be noted that it is almost impossible to get a loan from SKB Bank using a passport. There is a fairly impressive list of required documents for each loan.

For example, to get a standard consumer loan for any purpose and need “For everything,” the borrower needs to bring to the bank:

1. Passport
2. 2NDFL certificate of salary for the last 6 months
3. Second identification document: SNILS, TIN, driver's license, pension card (required for pensioners), etc.
4. Men under the age of 27 must provide military ID

Borrowers who are employees of SKB Bank's corporate clients must bring a similar package of documents. Special lending conditions apply to them, but the list of required documents is the same as for ordinary borrowers.

But salary clients are much luckier in this regard. To apply for a loan, they only need a passport, an SKB-Bank salary card and a military ID if a man under the age of 27 applies for money.

For secured loans and mortgages, an extended package of documents will be required, which includes a certificate of ownership, insurance policies, CASCO/MTPL (for loans secured by a car), etc.

Each document from SKB-Bank’s mandatory list carries a certain meaning. For example, a passport allows a bank employee to identify a client.

SNILS can tell you about the employing organization and the salary of a potential client. Considering the fact that the employer is obliged to transfer 13% of the employee’s salary to the Pension Fund, using simple mathematical calculations the security service will quickly calculate the amount of the client’s salary and compare it with what he indicated in the “Monthly income” column.

That is why you should not “inflate” your real income and “inflate your worth.” This will not end well, because sooner or later the bank will find out the truth.

If, as an additional document, the bank asks to provide a driver’s license, a foreign passport with travel stamps, then the security service needs additional confirmation of the client’s solvency.

In their opinion, having a car or annual vacation trips indicate good material wealth of the potential borrower. This will be a big plus when deciding on issuing and assigning a credit limit.

The bank needs a 2NDFL certificate in order to create the maximum allowable credit limit. In addition, it indirectly performs the functions of a scanned copy of the work book, which confirms the official employment of the borrower at a specific place of work.

Conditions for SKB Bank loans

• Mortgage loan calculator for Android

  Calculation and accounting of multiple loans. Export data by email. Opportunity to evaluate the benefits of early payments. Graphical representation of profitability using graphs. Calculation with interest rate changes.

  Loan calculator for iPhone/iPad

  Version available for iPhone and iPad. A convenient calculator that allows you to calculate the loan, and also possible early repayment of the loan

  Loan calculator for Windows Phone 7-8

How to apply online for a loan from SKB Bank?

At SKB-Bank, an online loan application is submitted remotely. To submit an application without leaving home, the client simply needs to fill out a short application form online and submit it for consideration.




An online application form for a SKB-Bank loan will appear in a new window, which you will need to fill out carefully. Here we find our city of residence in the drop-down list, indicate our full name, date of birth, contact phone number and email address.



This completes the filling out of the questionnaire. It is small and consists of just a few basic questions about personal information.

Submitting an online application for a loan from SKB Bank will be possible only after checking the boxes, giving the bank’s consent to the terms of the banking agreement, as well as to inform and make calls to the subscriber.



How long does it take to get reviewed and how can I find out the decision?

By clicking the “Get a loan” button on this page, the client submits an application for review, which lasts from several minutes to several hours, depending on the time of application.

It is clear that using such a short questionnaire, the bank will not be able to check the borrower’s solvency or at least identify him, therefore all preliminary decisions in the credit institution are positive.

After receiving such a questionnaire, a special bank employee calls the specified number and informs the borrower about which loan is most suitable for him based on the desired amount. During a telephone conversation, the operator can calculate the cost of the loan, indicate the monthly payment, etc.

If the client is satisfied with everything, by telephone it will be possible to select the office closest to the borrower to apply for a loan and set a specific meeting time. This will save time on long lines and waiting.



Also, a preliminary decision will be sent via SMS to the borrower’s phone number, which he indicated in the application form.

But the bank can make a final decision from several hours to several days, depending on the chosen loan product. Information about the final decision will be sent to the client’s phone in the form of a message.

If desired, the client can independently find out the status of his application by calling the bank’s hotline number - 8800-1000-600. After completing the identification process, the client will know the status of the application review.

Advantages of SKB-Bank for borrowers

SKB-Bank has a number of undeniable advantages that will be of interest to potential borrowers. Firstly, this is an updated Internet bank, thanks to which the client can perform almost any operation from anywhere and at any time. The only conditions: to have a laptop/PC and the Internet at hand. The login and password for the Internet bank are prudently issued to each client when registering for any bank product, be it a loan or a card.

Smartphone owners can install the SKB-Bank mobile application on their phones, which completely replaces the Internet bank in its functions. The SKB mobile bank can be downloaded from official stores for the corresponding operating systems: AppStore and Play Market.

The mobile application allows customers to view detailed statements for all current products, pay for housing and communal services, Internet, mobile communications, etc. Thanks to internal transfers, clients can transfer money from one account to another, pay loans and replenish deposits, and convert currency.

For convenience, the SKB-Bank mobile application has an instant search for the nearest ATMs and branches of a credit institution.

Thirdly, many clients note favorable conditions for debt restructuring of their own clients. The bank immediately offers the client a restructuring with an increase in the loan term, a decrease in the interest rate and a credit holiday for several months. This will allow the debtor to return to the payment schedule and repay the debt on time, without delays or damaged credit history.

Fourthly, one of the great advantages of SKB-Bank, according to reviews from the same clients, is the absence of long queues at branches, offices, ATMs and self-service terminals.



In comparison with Sberbank, where each client on average has to wait 5-20 minutes for his turn, at SKB-Bank the client can forget about waiting and receive the desired service within 5 minutes. First of all, this is due to fast customer service and a large number of working cash desks in each office. For example, making a loan payment through the cash register takes no more than 2 minutes.

Fifthly, the bank offers quite impressive amounts for its loans, which cannot but please potential borrowers. Depending on the chosen credit program, the client can receive up to 5 million rubles. for secured loans up to 1.3 million rubles. for standard consumer loans without collateral.

It is impossible not to mention the terms of the loan. For loans for any purpose and need, it reaches 120 months, that is, 10 years. For other loan programs, the maximum term is also quite impressive - 5 years.

We also note similar offers from other banks.





The list of advantages includes relatively low fines for late payments at SKB-Bank. According to the terms of the loan agreement, the borrower who fails to repay the loan must pay a penalty in the amount of 0.1% of the overdue amount for each day of delay.

The bank does not charge any one-time fines for overdue payments, as some other organizations do.

A definite advantage is the bank’s wide area of ​​presence, as well as a large number of offices in its “home” region.

How to repay a loan from SKB Bank?

An existing borrower can repay an SKB-Bank loan in full or in part ahead of schedule without a moratorium or penalties on any day.

SKB Bank provides clients with a modern and convenient way to manage their finances at any time.
Using Internet banking, you can not only make transfers and payments, but also keep up to date with the latest promotions and news from the bank.

Personal account features

Using the service, you can manage your finances and use the following bank services:

• receive operational information on the status of accounts (including card accounts), deposits and loans, on transactions performed for a certain period with the possibility of presentation in analytical form;
• order and block cards, set limits on transactions on them;
• pay for mobile communications, Internet, TV, housing and communal services and other services;
• configure templates for making repeat payments, as well as regular payments automatically;
• make money transfers to your accounts and the accounts of other persons;
• repay loan debts;
• convert currencies if you have a demand account.

In order to use a particular function, you must select the appropriate menu item. To confirm some operations, you will need to specify a code (session key), which the system sends via SMS to your mobile phone.

The system sets restrictions (limits) on some transactions - payment for services and money transfers.

The user receives news and alerts from the bank, including individual offers on banking products.

Registration in the SKB-online system

Bank clients who have a desktop computer and/or a mobile device with Internet access can take advantage of the remote servicing service in the SKB-online system.

To gain access to your personal account, you must apply with your passport to one of the SKB Bank branches to conclude an agreement. Connecting to your SKB Bank personal account (registration) and servicing the Internet banking system are free.
Each new user is provided with a login and temporary password to enter their personal account on access cards and session keys.

Login to your personal account

You can log into the SKB Bank account online through the official website from any device with Internet access. To do this you need:

• go to the official website of SKB-online;
• When logging in for the first time, indicate the login and temporary password that were issued during registration;
• change the temporary password to a permanent one, specifying a sequence of 8-10 numbers and letters, and use it for subsequent logins.

To subsequently change your login and password, you must enter the settings and perform this action, confirming it with a code sent via SMS.

If your login or password has been lost, you must immediately call the support service and block access to the system, and then contact the bank branch to restore access.

Mobile bank

You can log into your SKB Bank personal account online not only from desktop computers, but also from smartphones based on iPhone or Android. To do this, you need to download and install the mobile application on your device for free.

Login to the mobile bank is carried out with the same details that are used when accessing through the website.

Official site: http://www.skbbank.ru/
Personal Area: https://online.skbbank.ru
Hotline phone number: 8 800 1000-600