PSB-Retail

The PSB-Retail Internet bank gives to clients the chance to independently make the majority of banking activities and to manage the means, without visiting office of bank. Clients of bank can also register payments for benefit of the state and municipal authorities, make utility payments, payments to mobile operators, Internet service providers, – today in PSB-Retail Internet bank carrying out payments to more than 350 companies on ready templates and according to any details is available. The most part of such payments – without the commissions.

Through Internet bank it is possible to perform conversion transactions and operations on deposits, to repay the credits, to order/block/unblock bank cards, to configure automatic execution of operations with the schedule and many other things.

In Promsvyazbank the project for development of Internet banking in 2009 was given the priority status. The employees occupied with direct customer interaction began without fail to suggest the last to use opportunities of remote service. As a result the number of the clients connected to the system of PSB-Retail Internet bank increased by 3.5 times.

PSB-Retail systems capabilities:

• Payment of services and making payments without visit of departments of banks and offices of the companies:
• utility payments (rent, gas, electric power);
• services of mobile operators;
• services of Internet service providers, operators of cable, satellite, digital television;
• telephone services;
• other services to different receivers.
• Round-the-clock free access to management of your money.
• Purchase/foreign currency sales via bank transfer.
• Order placement on release of the bank card.
• Money transfer for the purpose of replenishment of accounts for calculations using bank cards.
• Money transfer on the current bank accounts for the purpose of repayment of the credits.
• Transfers to the address of any physical persons and legal entities.
• Control of a remaining balance on your accounts.
• Operational obtaining information for any time frame on the accounts opened in Promsvyazbank.

Bank cards

• Control of an available balance;
• Control of the performed operations;
• Viewing statements;
• Viewing outstanding amounts on the credit card;
• Independent blocking / unblocking of the card;
• Replenishment of the card from other your bank accounts without visit to office;
• Replenishment of other your bank accounts from your cards without visit to office.

Deposits

• Viewing statements on deposits (replenishment, account transactions);
• Replenishment of a deposit from other your bank accounts without visit to office (for the filled-up deposits);
• Commission of account, conversion transactions on deposits (if such transactions are provided by terms of the contract of a deposit);
• Early closing of a deposit.

Accounts

• Information on a remaining balance;
• Information on the performed operations;
• Viewing statements;
• Implementation of payments and transfers to advantage of any receivers.

Credits

• Viewing payment schedule;
• Tracking of the current repayment;
• Viewing remaining balance of loan debt

2011

According to data of Promsvyazbank, at the end of 2011 the number of individuals — users of PSB-Retail Internet bank grew up more than by 1.5 times and for January 1, 2012 was nearly 700 thousand users. Now two thirds of clients of Promsvyazbank are connected to PSB-Retail Internet bank.

The share of the transactions made by private clients in 2011 on channels of remote banking (the Internet and contact center) made nearly 65% of a total quantity of the similar operations of individuals performed at offices of Promsvyazbank. In comparison with 2010, the number of the operations performed on channels of remote banking grew by 32%, says bank.

As noted, today Promsvyazbank actively develops remote channels of service. So, in 2011 in PSB-Retail Internet bank the following new services and services appeared: opening of term deposits; payment of taxes on the website of tax administration through PSB-Retail Internet bank; execution of the request for a consumer loan; replenishment of electronic accounts in systems Yandex.Money, Qiwi, RBK-Money, "A uniform purse (W1)", "Монета.ру" and WebMoney Transfer; an opportunity to set personal names to the accounts and cards; functionality of message exchange of the client with bank; the new types of notifications by e-mail connected with accomplishment of planned activities.

Besides, the bank constantly expands the list of the companies for benefit of which it is possible to send payments on ready templates. At the moment the system of Internet banking PSB-Retail allows clients of bank to register payments on ready templates to more than 390 companies, including utility payments, payments to mobile operators, Internet service providers, the state and municipal authorities. Also in PSB-Retail it is possible to order bank cards, to perform account transactions, to make conversion transactions, to repay the credits.

In 2012 Promsvyazbank is going to expand functionality of Internet bank and to implement new mobile application. Besides, the bank, as before, will expand the list of the companies for benefit of which it is possible to send payments on ready templates.

2012

In October, 2012 Promsvyazbank started in PSB-Retail Internet bank new services for broker service for clients - individuals. In PSB-Retail Internet bank operation on transfer of money into the brokerage account is available to clients. Also users of Internet bank can receive the login and the password for access to WebQUIK in the Sms or to cancel it. For performing transactions the SMS-kod service should be connected.

Besides, in PSB-Retail Internet bank the possibility of application for the raised "shoulder" for the margin trading without visit of office of bank appeared.

All users of PSB-Retail Internet bank with the operational level of access having the agreement of broker service (signed after 8/12/2011) can use services for broker service.

The PSB-Retail Internet bank allows clients of Promsvyazbank to register payments on ready templates to more than 400 companies, including utility payments, payments to mobile operators, Internet service providers, the state and municipal authorities.

The number of users of PSB-Retail Internet bank exceeded 1 million people

At the end of 2012 the number of individuals – users of PSB-Retail Internet bank grew more than by 50% and for January 1, 2013 was 1.042 million people.

As of January 1 about 30% of deposits of the volume of all portfolio of retail deposits openly in PSB-Retail Internet bank. For 2012 more than 20% of requests for the credits to individuals came to Promsvyazbank through Internet bank.

The share of the transactions made by clients of the retail direction in 2012 on channels of remote banking made 85% of a total quantity of transactions of individuals.

The most popular transaction among users of PSB-Retail Internet bank is payment of mobile communication, money transfer between the accounts, currency exchange, payment of utilities.

Promsvyazbank actively develops electronic channels of service. In particular, in 2012 in PSB-Retail Internet bank new services and services appeared:

• implementation of transactions of purchase and sale of precious metals using the depersonalized metal accounts opened in bank;
• service for execution of the request for signing of the contract of broker service;
• service of online payment of goods and services in more than 10,000 online stores and air tickets on e-invoicing technology through the procedure of electronic drawing of accounts;
• service for convenient and fast payment of online games;
• service of confirmation of passwords using the SMS;
• opening of the current and accumulation accounts;
• a possibility of a design of an insurance for going abroad;
• management of SMS-informirovaniye services and 3D-Secure;
• requests for the credit card issue;
• binding of the e-wallet of WebMoney to the bank account;

At the end of 2012 the new mobile bank PSB-Mobile (links for downloading in App Store and Google Play) which became the full version of PSB-Retail Internet bank for smartphones running iOS and Android became available to retail clients to downloading. PSB-Mobile gives to clients the chance to check a status of the accounts and maps, to make instant payments and remittances, to create templates of payments, to repay the credit and many other things.

2015

Payment of Internet purchases through PSB-Retail

March 13, 2015. Yandex.Money began^[1] to connect to online stores payment acceptance through PSB-Retail Internet bank. Pay goods and services in such a way more than 1.5 million clients of Promsvyazbank — users of Internet bank can today. Announced this CNews in Promsvyazbank.

To make purchase in online store through Internet bank of Promsvyazbank, the user needs to select on the website of the seller a method of payment through PSB-Retail Internet bank — by analogy with the choice of payment by the bank card or from the e-wallet. Service of "Yandex" will redirect the payer to a personal account of Internet bank and will make out there a bill on which it will be possible to transfer money.

Payment is in such a way convenient and safe: the buyer does not need to enter data of the card on the website of shop, all process happens in the interface, usual for it, on secure pages of Internet bank. Besides, when you pay with Promsvyazbank from the user the fee is not charged.

Notes