Client-bank: why do we need it, and how to find a better one?

E-money has become an indivisible part of our life. Almost every person has ever dealt with it in some form. But if for someone it is just a plastic card for withdrawing salary at the date of its receipt, another long ago bought in the network everything starting from pizza and ending vacation voucher and clothes. Exactly for such users client-bank service was created.

What does client-bank mean?

For an ordinary user client-bank looks like page in the Internet where he enters after input of the login and password. Here one can know how much money left on his account, when money was withdrawn or deposited. Client bank allows making payments. Each bank has its own list of additional services.

A lot of banks offer client-banking for both juridical and physical persons. For entrepreneurs and businessmen this system is very convenient in terms of mobility and economy. You do not need to go to the bank each time for withdrawing or depositing of the money either to think about taxes as bank will calculate and transfer the appropriate money to the required accounts itself. But assignment of the personal client-bank to the private persons is quite another thing. In accordance with the official version which is supported by most banks offering such service the main function of the personal client bank is to manage funds on the account or accounts through the Internet. In addition the client bank is convenient as it allows operating with the account round-the-clock from any point of the world where there is an access to the worldwide network. The client-bank is not tied just to the e-account but to its physical personification – bank card as well. All operations made with it are reflected on the client page with minimal time delay.

Actually the client-bank for physical persons is created in order to spend money in the network, to withdraw from or to deposit money to e-payment systems. Almost all banks offering this service to the clients work with such systems. And the rest ones which do not work directly with the systems offer to conclude purchases in the Internet by means of Visa or Mastercard cards.

However in practice a quantity of banks operating with Russian payment systems is not so big. In theory it is possible to withdraw e-money to the bank card or to an account of any bank. In fact this operation can take from one day till a week. Conceptually the client-bank should provide a possibility to transfer money there and back within several minutes. Today the client-banking service for private persons is promoted persistently by approximately nine first-rate banks of Russia. Most of them operate with Webmoney and Yandex-money payment systems.

Client-banks may be various

Though there is a great deal of banks providing their clients remote access to the accounts but not all of them are interactive to the full extent. For one it is important instrument for attracting of new clients but for another it is just a strange toy created for “tick” in order to be as everyone.

«Sberbank». The main bank of Russia provides service of client-banking to both companies and private persons. For the last ones this service is called «SberbankOnLine». It is worth to notice that «Sberbank», as usual, struggle for clients phlegmatically. The service leaves much to be desired. Client-bank allows the users look through data about their accounts in Russian Sberbank, pay for mobile communication, Internet, municipal services and a number of other services, deposit credit payment if it was taken here, transfer money from the one account to another excluding «Sber-kart» bank cards. We must notice that the last limitation decreases significantly value of client bank for the ordinary users as many of them get salary exactly to the card-account and it will convenient for them to pay from this card for services by using the Internet. But the client can operate the account from his page if he has “Sberbank” International card for Visa, MasterCard or Maestro systems. However in order to connect the service a client should visit bank’s office. And he should visit the only office in which this card was given. The operation was simplified at connecting the service «Mobile bank», and only for those clients who have already had client-bank service. And, of course, «Sberbank Online» does not operate directly with e-payment systems.

Security system of client’s page is not complicated: confidential login and permanent password. But in order to change it you have to go to the bank office or self-servicing device.

«Gasprombank». The main oil bank of our country does not differ with greatheartedness or service range. The first of monsters within bank field provides their clients solely a mobile client-bank «Telekard». A card account is managed by means of sms-messages. Through this service one can pay for mobile communications, Internet, municipal services, television, get notifications about operations with usage of the card and money deposition to the accounts of bank cards. The service gets a possibility to suspend and reactivate operations with usage of the card. Shopaholics can at their will to fix and change a daily limit of funds’ spending, get information about available credit limit, daily limit and card condition, get extract about last five operations with the card. And foremost «Telekard» allows topping up accounts in Yandex-money and WebMoney. However this is a one-way road. It is impossible to transfer funds back to “Gasprombank” account so fast.

«Uralsib» more than “Gasprombank” address the needs of clients. “Internet-bank” allows getting information about residual funds on the accounts and limits per plastic cards, having an access to payment history and getting extracts per accounts for any time period including accounts which were closed, redistributing funds among their accounts. “Internet-bank” provides an opportunity to make transactions in favor of any juridical and physical persons that, in point of fact, eliminate all limitations on money transfer in the network and allows operating with e-payment systems through outside services.

One can pay through “Internet-bank” for mobile communications, Internet, municipal services, paid television and a lot of others. Directly from client-bank page you can close on-demand account, top up and close deposit accounts, including pre-schedule closing. It is worth to notice that it is the first bank which notifies sincerely their clients that round-the-clock service is relative as in any time bank accepts only payments per accounts. Transfers and other bank operations is carried out during working day of the department in which the account was opened. It is worth to describe separately payment for municipal services through client-bank of “Uralsib”. In order to transfer funds it is enough to indicate address and number of the apartment without input of long bankbook as it is required by the other banks. The opening procedure of client-bank is not so convenient. It requires addressing to any of the offices even if the client has already had an account.

«Alfa-bank» was one of the first which offered their clients services of client-bank and began to work with e-payment systems. Such service is called as “Alfa-click”. It justifies its name because most of operations may be done with one click. This system initially was created for Internet users operating with Yandex-money payment system. Client-bank may be tied to an e-account that allows withdrawing money to the card or top up an account in the payment system within several minutes regardless time of day. With WebMoney in “Alfa-click” funds may be withdrawn through one of the exchanging services such as Wmcasher.

This client-bank is the most popular at free-lancers. Through this service you can get an access to current, deposit and card accounts that allows saving money without excessive mess. Except standard service package upon payment and set of operations with the accounts through client-bank one can buy mandatory automobile insurance policy, momentary buy and sell currency per the most profitable rate. The special attention should be given to the security system of the service. Except standard permanent login and password the client is sent one-time code for entering to the system which is valid within three minutes. For additional payment a client may get notifications to the phone about withdrawing funds from the account and their receipt. The owners of the bank cards can open “Alfa-click” by calling to the bank office or at their official site. Those who are still going to open an account can get client-bank immediately after receipt of the card.

KB «Otkrytie». Client-bank of this organization is designed first of all for operation with accounts. The service allows clients making transfers between their accounts in rubles or in currency, transfers to the cards or to the accounts of the other persons in this bank as well as to the accounts opened in the other banks, topping up a bank card from the own current accounts or on-demand accounts, paying credits and taxes. On the page of client-bank one can get information about remaining balance and operations upon current, on-demand, deposit and card accounts, credit indebtedness. One of the unquestionable advantages of the service is a possibility of client-bank tie-in to an account in Yandex-money payment system.

AKB «Ros-Evro-Bank» as well as its competitor allows making payments, forming extracts, getting information about accounts through the Internet and working with Yandex-money payment system by means of tie-in an account to the card.

«ВТБ24» offers two systems of client-banking: «Teleinfo» and «Telebank». The first service allows getting information about state of accounts and flow of funds without possibility to manage them. “Telebank” is a client-bank in the classic meaning of this word. This program provides clients the classic spectrum of services upon payment, accounts management and credit repayments, selling and buying currency. However in contract to the other banks «ВТБ24» offers its remote users a service of automatic payments for municipal services. A payment may be suspended and the system transfers money itself as soon as an account will be topped up. Monetary withdraw of funds to “Telebank” is possible from WebMoney payment system through exchanging services. Receipts are transferred to the card within 10 – 15 minutes.

As system disadvantages we may notice complicated registration. Developers offer Internet users an “inducement”: you may begin registration directly on the bank site. However within 30 days a client should go to the bank office and fill-in all documents himself. Otherwise his data will be deleted from the system. Generally philosophy of this bank may be expressed with an expression of the ancients “Divide and rule!”.

«PromSvyazBank» offers its remote clients to work with its client-bank «PSB-Retail». This service may be called as total control method. From one account a bank client can control his bank card, deposits, accounts and credits, pay standard service package, buy and sell currency and even order issue of additional cards. Withdraw of funds to the accounts of client-bank may be done within several minutes from WebMoney system through exchanging services. Perhaps list of services offered by “PromSvyazBank” may be marked as one of the fullest.

As system disadvantages we may indicate complicated procedure of registration and drawing-up. Even the clients who have already had the accounts and deposits in the bank must visit the bank office. But they promise on the bank site that drawing-up of the documents does not take a lot of time.

What to choose?

In order to determine what bank is to choose it is necessary to decide for what purposes you need a remote access to an account. Functions of payment for municipal services are provided by almost all client-banks. If you need a remote access only for it then it is better to select the service of the bank on which account your salary is transferred. And in addition the bank office will be surely nearby your home.

If you need the client-bank for money withdrawing from e-payment systems or for money depositing to them then you have to select such services which promise maximum speed of money transfer in combination with low commission fee.

It is worth to mind that banks created with state participation obligatory transmit data about money passing through their accounts to the taxation authorities. While according to the founding charter the most of private banks consider such information as private and provide it just upon request from law enforcement bodies.

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