Russian Standard - personal account. Russian Standard Bank personal account - possibilities of the Russian Standard personal page to create a personal account

The bank was registered in March 1993 under the name "Agroopttorg".

After the 1998 crisis, the credit institution was acquired by the structures of the creator of the Russian Standard vodka brand, Rustam Tariko (transaction value - about 100 thousand US dollars) and received its current name.

In September 2004, the bank entered the deposit insurance system.

The owners of Russian Standard Bank took as a basis the business idea of Mezhcombank, which could not withstand the 1998 crisis - a focus on retail lending using scoring models, and also involved its team in the work. Specialists from the consulting company McKinsey, who also developed the concept of Russian Standard vodka, participated in creating the concept of the new bank.

Alexander Zurabov from Menatep and the first deputy chairman of the Central Bank, the late Andrei Kozlov, worked for a short time at the credit institution.

"Russian Standard" became one of the "pioneers" of the consumer lending market and, in fact, the founder of a new banking business line in Russia - high-margin consumer lending (unsecured loans to individuals at increased interest rates).

The development of the bank's business for a long time was funded through a large volume of public borrowings (bonds, Eurobonds) both in the domestic and foreign markets. Managers of American Express and the International Finance Corporation (IFC), which from 2003 to 2006 owned a small stake in the bank, helped open the doors to the credit institution’s foreign investment market. The bank's foreign partners repeatedly tried to enter its capital, but the main owner preferred to develop the bank independently and refused to make deals.

As the consumer lending market developed and became saturated and competition on it increased, the bank began new projects - the development of car lending and lending through credit cards. Currently, the financial institution remains a major player in the consumer lending market. Note that the management team, which previously developed consumer lending at Russian Standard and made it a market leader, subsequently developed a similar direction at Sberbank of Russia.

During the first half of 2015, the bank suffered losses in the amount of 22 billion rubles (according to IFRS), which led to a decrease in capital from 16 billion rubles to 0.6 billion rubles. Rustam Tariko was forced to additionally capitalize the bank with shares of his own alcohol companies for a total amount of about 15 billion rubles. The Bank took a number of measures to stabilize the structure of liabilities and increase the level of capital adequacy. In particular, in September 2015, holders of subordinated Eurobonds of Russian Standard Bank for $550 million were offered a plan to restructure their obligations.

In October 2015, the Bank of Russia and the High Court of London approved the credit institution’s proposal to restructure Eurobonds with maturities in April 2020 and January 2024. Prior to approval, more than 80% of Eurobond holders voted in favor of the restructuring procedure. In accordance with the terms of the transaction, investors received accrued interest and 18% of the nominal value of the securities, and the remaining amount was exchanged for bonds of a special company Russian Standard Ltd, controlled by Roust Holding Limited. These bonds were secured by a 49% stake in Russian Standard Bank. The volume of the issue was $451 million, with a maturity date of 2022. As a result of the restructuring deal, the bank managed to complete 2015 with a profit.

In December 2015, Russian Standard received 5 billion rubles in capital from the DIA under the additional capitalization program through OFZ. In addition, the subordinated loans received by the bank include a loan from VEB, attracted in October 2009, in the amount of 4.96 billion rubles and maturing in December 2019.

In October 2017, Russian Standard Ltd. did not pay the coupon to investors - about $7.3 million, after which the paper holders demanded early redemption of the bonds. In March 2018, the company offered investors to pay 25% of the bonds' par value or 20% of the par value plus a portion of the bank's profit. However, this option does not suit investors who intended to launch the procedure for withdrawing the bank's shares. According to various estimates, these lenders own over 27% of defaulted bonds.

In September 2018, representatives of investors (including Aleia Trading Inc., hedge fund Farragut Square Global Master Fund, Pala Assets Holdings Limited and Amundi Asset Management) sent a letter to the Central Bank complaining about the opacity of the transaction for the bank’s sale of 6% of the alcohol holding company Roust Corporation in December 2017, a company affiliated with Russian Standard.

According to media reports, in June 2019, the same group of investors hired Russian Standard Ltd. for negotiations. investment division of Alfa Group - company A1.

As of August 1, 2019, the volume of net assets of the credit institution amounted to 338.17 billion rubles, the volume of equity funds - 46.45 billion rubles. At the end of the first half of 2019, the bank showed a profit of 5.01 billion rubles.

Network of divisions:
head office (Moscow);
138 credit and cash offices;
37 additional offices;
12 operational offices.

Owners:
Rustam Tariko – 100.00%.

Rustam Tariko is the main co-owner of the Russian Standard holding, which, in addition to the bank, the credit bureau of the same name and the insurance company Russian Standard Insurance (financial direction), includes the premium vodka manufacturer of the same name, as well as one of the largest distributors of premium alcoholic beverages in Russia foreign production "Rust" and wine producer Gancia.

Board of Directors: Rustam Tariko (chairman), Alessandro Picchi, Sergey Berestovoy, Sergey Ikatov, Mikhail Khmel, Irina Alexandrova.

Governing body: Alexander Samokhvalov (chairman), Sergey Berestovoy, Evgeny Lapin, Eduard Bystrai, Natalya Chernyshova.

You will learn how to log into your personal account on the official website of Russian Standard online. Detailed instructions for convenient and quick access to www.rsb.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.

Russian Standard is popular among private clients - it is one of the leaders in issuing credit cards in Russia. It also offers settlement and cash services to legal entities. Internet banking and mobile applications are available to Russian Standard clients - you will learn more about them below.

Internet banking functionality

Russian Standard develops its own Internet banking systems for individuals and legal entities. They are available to everyone who has issued a card at this bank, opened a current account or connected acquiring. Remote service services in RSB have all the necessary functionality for managing bank products.

For legal entities

Internet banking for legal entities in Russian Standard is divided into several parts:

Correqts corporate is a classic Internet client for managing current accounts. Allows you to make payments, request statements, exchange documents with banks and perform other operations on the account
OMS account - connected for clients who have registered for trade acquiring. Allows you to view information about payments and statistics on terminals, as well as configure the service
MPOS and Alipay account - provided to those who have activated mobile acquiring or accepted payments through the Chinese payment system Alipay. The main functionality is the same as the previous office
ECOMM and MIGS accounts are available to those who have connected Internet acquiring in Russian Standard. They also allow you to manage service settings and track payments received through the payment form

For individuals

For individuals, Russian Standard offers Internet banking RSB-Online. With it you can:

Monitor the status of accounts and cards in RSB
Pay taxes, communications, internet, housing and communal services and other expenses
Transfer money between accounts and cards
View statements and statistics on transactions
Pay off debts on loans and credit cards
Keep track of accumulated bonuses and special offers from partners
Manage card settings and limits

Personal account of Russian Standard for individuals

How to access the Russian Standard Bank website

Go to the main login page for the Internet service of Russian Standard Bank
Enter your username and password. For secure typing, use the virtual keyboard.
Click on the “Login” button

How to register a personal account online

You will receive information for logging into your Russian Standard personal account (online.rsb.ru) after concluding a comprehensive banking service agreement. To do this, it is enough to apply for any bank product - a loan, deposit or bank card. The bank will send you your login and password via SMS to the phone number you provided in your application.

Some operations - transfers from card to card, payment for various services, issuance of a virtual card and others - can be performed without logging into the Internet bank. You will find a list of these operations on the login page. Select any of them to use. Please note: higher fees may apply when using cards from other banks.

How to recover your password

To change the password for Russian Standard Internet Banking, click on the link “Forgot your password?” Enter your online banking login. Enter the missing digits of the access code. The code consists of 5 digits and is used to access the bank's telephone service. Enter the code from the picture and click on the “Next” button. Follow the instructions of the service.

If you do not remember your login or access code, call the Russian Standard hotline.

How to log into your personal account

Go to the "For business" section on the main page of Russian Standard
Select “OMS Account” in the “Personal Account” menu
Enter login and password
Click the “Login to your personal account” button

Password recovery

If you have forgotten your password for logging into Internet banking, contact the Russian Standard branch to restore access.

Mobile bank

Russian Standard clients - both individuals and businessmen - have access to a mobile bank. It allows you to carry out basic operations with accounts and cards using a smartphone or tablet. The mobile application connects with online banking and uses the same login data. It is available for any devices based on the latest iOS and Android versions.

Using the application, you can monitor the status of your accounts, make payments and transfers, set limits and carry out other operations. It also has a built-in online chat for communicating with the bank's support team. A separate application has been developed for mobile acquiring - it will help the smartphone interact with the mPOS terminal.

Internet acquiring

Russian Standard is ready to accept non-cash payments via the Internet. The Internet acquiring service will help you accept payments for your goods or services from bank cards on your website. The service from RSB is quickly configured and provides high security for each operation. It allows you to accept payments from Visa, MasterCard, MIR, American Express and other systems.

To connect Internet acquiring, leave a request on the Russian Standard website. After signing the agreement, the bank’s specialists will help you set up the service and add a payment account to the website. You will receive login information for your personal account of the Internet acquiring system you have chosen - they will allow you to manage the service in the future.

Rates

The Internet acquiring service itself in Russian Standard is provided free of charge. The bank only takes a commission from transactions processed through the payment form. The commission is calculated individually depending on the turnover of the service. The minimum rate is from 1.8%.

Russian Standard Bank entered the TOP 10 Russian banks by the number of credit cards issued. The financial institution did not stop at this achievement, therefore it is actively developing its Internet banking. It is needed for quick transactions with cards; to transfer money and make payments, you do not need to visit a bank branch or look for a terminal for financial self-service.

How to register a personal account at Russian Standard Bank

There are two ways:

After visiting a bank branch in person, have your passport with you;
By calling the support line: 8 495 748-0-748

Regardless of the option you choose, your login and password will be sent via SMS to your mobile phone number specified in the application form.

To start using the Russian Standard Bank personal account service, an agreement is concluded at a bank branch. You will not be able to use Internet banking anonymously or simply after registering on the bank’s website.

Client personal code: Login and password from the Russian Standard bank to enter your personal account - that’s not all. Everyone who has registered in Internet banking is issued client's personal code. It is necessary in case of quick identification of the client when using the bank's hotline.

Login to your personal account and Internet bank Russian Standard

To get into your personal account at Russian Standard Bank, you just need to enter your data, which you received in the form of an SMS message when you contacted the bank during registration.

Login to the office:

Go to the Internet Bank login page: https://online.rsb.ru/hb/
Enter your username and password;
Click the “login” button. Then an SMS message with a temporary password will be sent to your mobile phone number specified in the application form.

Confirm your login by entering the one-time password from SMS:

After entering the code, usually consisting of four characters, you will be taken to your personal account, also known as an online bank, or internet bank. All banking operations will be available to you here.

Russian Standard Bank offers clients the following opportunities in the online banking system:

Receive statements electronically regarding income received and money spent. By connecting to the Internet banking system from Russian Standard Bank, you will know exactly how much money you spent and where.
You can pay for utilities, provider services, mobile communications, payments to government and commercial institutions without commission.
You can open a deposit online, withdraw interest on it, find out detailed information on the deposit, transfer money from the deposit back to a debit bank card.
Pay off fines and pay taxes - you no longer need to stand in long lines. You just need to enter the details of the company to which you are transferring money. For example, you can start with the current account number in a special window. After this, the rest of the company’s details will appear, you can check them, enter your personal data and send the payment to the company’s accounting department.
In a few clicks, transfers are made from card to card, not only to banks in Russia, but throughout the world. A commission for transfers is charged, but the client knows its amount in advance before making a money transfer.

It's profitable! Thanks to your personal account, you can be among the first to learn about Russian Standard Bank offers especially for you.

Login to the Russian Standard Bank mobile application

In order to start using the mobile personal account from Russian Standard Bank, you will need to download a special application. If your phone is based on the Android operating system - from Google Play, if you have an iPhone, then applications are downloaded from the App Store. In order to download the online banking application, simply enter into the search for the application store: Russian Standard Bank.

You can log into the Russian Standard Bank mobile application not only using the password and login issued when visiting a bank branch. The second and all subsequent login attempts will be successful if you use a bank plastic card number, its expiration date, and your mobile phone number instead of a login and password.

To use the mobile application from Russian Standard Bank, you first need to go through the identification procedure and obtain a password at a bank branch. The same data can be used to log into the online banking version installed on your mobile device.

Change Password

If you believe that third parties have gained access to your password, you can urgently change it in the following two ways:

From a bank specialist, for this you need to contact Russian Standard Bank personally.
By calling the bank's hotline, to do this you need to follow the voice instructions and proceed to communicate with the bank operator.

Russian Standard Bank offers its clients a modern software package with a large number of functions - Internet Banking. To use this service, current and future clients need to visit any bank branch and sign a service agreement.

Address: online.rsb.ru

Registration in Russian Standard Internet Banking

To connect to the Russian Standard Internet banking system, you need to complete several steps.

Step 1 – take your Russian citizen’s passport with you and come to one of the bank’s 200 branches.
Step 2 – complete and sign the bank’s service package.

At the end of this procedure, you will be sent an SMS message containing all the information you need to start working on the network.

The bank also offers a comprehensive product “Bank in your pocket,” which by default includes the Online Banking service. You can purchase it in one of the 2.5 thousand partners of Russian Standard Bank - stores Technomarket, Eldorado, Technosila, etc. Immediately after activating the card, the service becomes available.

Login to Russian Standard Internet Bank

When the service agreement is signed, an SMS will be sent to your mobile phone within a few hours with data for the initial login to the system (the speed depends on how busy the service is). After receiving your login and password, you need to go to the login page, enter your login information and, according to the program’s recommendations, configure it for personal use.

It is important to pay close attention to the following point: when the Russian Standard Internet Bank is connected to the phone number specified by the client during registration of the service, two SMS are received - one indicates the login and password to enter the system, the second short message contains a link from which you can download the Mobile bank, as well as data for its identification. You need to make sure not to confuse the login and password for logging into Internet Banking with the data for accessing Mobile Banking. Later, accounts in both systems can be synchronized, after which authorization will occur using the same password and login.

Personal Area

Connecting to Internet Banking allows you to apply for loans and repay loan payments, replenish deposit accounts, pay various utility bills, receive information about your account status, as well as on loan payments, etc.

Internet Banking is available to the client at any time of the day, without weekends or holidays. Clients can be absolutely confident about the safety of their funds, since the degree of protection of the remote account access service is extremely high, theft of information or attempted hacking is almost impossible.

If your phone or SIM card is lost, you need to urgently contact a bank branch or call the support service to block access to the Internet service.