By the general rules premium packages of all banking institutions — paid. It is explainable as even the small share of big customers with the capital in 30-40 million creates the main resources (liabilities) of the credit organizations, thus significantly cutting down their expenses. If the list of magazine "Forbes" does not threaten soon, and there is a wish to stay especially important person all the same, the premium client in a pocket is enough to show sharpness and the status.
the Minimum package of VIP-services, for example, in Open joint-stock company "Promsvyazbank" will manage in 15 thousand rubles annually and is available only to clients who will bring on a contribution at least 15 million rubles. To receive the Priority Pass card, an insurance and some other services the clients of the Avangrad bank who have paid annual service of the MasterCard Gold and Visa Gold payment cards (about 3 thousand rubles) can.
But almost all credit organizations are ready to present a full set of VIP-services to big customers. The Absolyut bank recognizes that the investor with accumulation from 15 million rubles, JOINT-STOCK COMPANY KB"CITIBANK" – 4 million rubles, "Opening" and "Alpha" – 3 million, in Bank VTB 24 (Closed joint-stock company) is enough to place 1,5 million rubles. Besides, the bonus status is provided to the client JOINT-STOCK COMPANY "ALFA-BANK" who according to the salary project receives on the card not less than 250 thousand rubles a month. Gratuitously to use some bonus services from Avangard bank, it is necessary to buy monthly according to its cards of goods and services not less than on 20 thousand rubles.
conditions Quite often established by the credit organizations allow to become the VIP client, at all without having accumulation. For example, the Privilege package is free of charge provided to clients Bank VTB 24 (Closed joint-stock company), monthly transfers into which account exceed 150 thousand rubles. It is theoretically possible even to perform in two hours so ten operations on transfer and removal on 15 thousand rubles via the ATM.
But absolute "freebie" are promised by Public joint-stock company "Sberbank Russia": within the first two months of using the payment is not raised by the Premieres package and no conditions for its connection are present. As explained to online newspaper "Fontanka.ru" in the press service of the credit organization, only if for the end of the third month of using the client does not provide with a package of services the remains on all accounts in the sum of 1,5 million rubles, the commission will be raised from it in a size of 2,5 thousand rubles.
But nobody forbids to disconnect in due time on an outcome of a grace period the program (important to make it before so-called inspection which, according to bank call center, is carried out approximately the 28th). In this case elite payment cards, Priority Pass and other services will be blocked, but the increased percent on already made contribution will be charged until the end of the term of its action, and the insurance policy taken out on all family can be used for receipt of a visa.
according to the world practice which has been carried out by the research company Frank Research Group, the most profitable for banking institutions is Private Bank segment – clients with "the entrance ticket" in 30-40 million rubles. Whereas the mass retail market is formed by consumers with accumulation to 1 million. Bonus (affluent) a segment was intermediate: "Banks started allocating subbrands, to form separate approach and strategy for such segment. At the general falling of the income of retail in crisis, the income of a bonus segment remained at former level or decreased slightly", – analysts explain.
the Important person
toof the Program of bonus service are offered by almost all network banks. In most cases they include possibility of receiving and free service of elite cards of VISA (Platinum above) and MasterCard (Black Edition and others), the raised rates on deposits, investment products and so on.
One of available "freebies" – the Priority Pass card providing the right free of charge to use business halls almost at all airports of the world. Separately it is possible to get such card approximately for 250 euros a year or to pay service at each flight (in Petersburg Pulkovo single visit will cost at least 2 thousand rubles, in Sheremetyevo situated near Moscow – 3,5 thousand and so on). Bonus clients of banks most often can visit business halls monthly two times alone or once with the fellow traveler. Though in JOINT-STOCK COMPANY KB"CITIBANK" promise the exclusive investors of 30 free visits in year and opportunity to invite two friends, in Open joint-stock company "Promsvyazbank" and Public joint-stock company "Sberbank Russia" – unlimited "traffic" and the right to carry out, feed and give to drink even to ten people. The separate credit organizations promise also free transfers in the airport and other services.
One more VIP-bonus – an insurance, first of all for going abroad. To users of the Privilege program of VTB24 bank Bank VTB 24 (Closed joint-stock company) the policy with a covering in 100 thousand euros on medical expenses, and also a separate insurance of baggage, responsibility, a delay of flight and trip cancellation is issued. Public joint-stock company "Sberbank Russia" provides the policy on the user and family members traveling with it (that treat including "civil" spouses).
to Traditionally exclusive users of plastic cards the increased limits of cash withdrawal in ATMs and cash desks are available to. Also the personal manager and so-called "concierge service" enters a package of bonus service – call center which in the round-the-clock mode and besides free of charge will help the client to pick up and book the hotel room, the air ticket, the cultural program and so on.
Additional gifts to users provide toalso . For example, owners of the MasterCard cards (the category Gold, Platinum, World Elite, Black Edition and others) can participate in draws of invitation cards in the Maryinsky Theater, on matches of NHL and other cultural actions. And VISA invited holders of bonus cards (Gold, Platinum, Signature and Infinite) to the exclusive closed display of an exposition from the museums Vatican City which passed in the Tretyakov gallery. Though the vast majority of offers is reduced only to discounts, and in far not the most favorable restaurants, boutiques, hotels, movie theaters and other establishments.
Supporters of business
Many interrogated banks recognize, what even almost "free" bonus programs can attract serious investors. Namely they are a financial support of almost all credit organizations. So, in Absolute bank liabilities in Saint Petersburg the share of VIP clients makes 70 percent, users of Privilege and <8> packages of "Prime" Bank VTB 24 (Closed joint-stock company) form 81 percent of deposits and savings accounts.
"Products and services for the VIP are now demanded by. Wealthy clients are consumers of a large number of insurance, investment, consulting services, often have assets abroad and real estate", – the director of the department of development of private banking business of Absolute bank Safonov Eugenie speaks. In Group "VTB" plan differentiation of programs depending on service channels.
"For example, for those who more takes the credits, actively uses maps, the remote model will approach more. For those who invests, – office model as drawing up an investment and savings portfolio demands personal attention and the confidential relations" more, – Shchelkonogov Alexander, the managing director for work with wealthy clients of VTB24 branch Bank VTB 24 (Closed joint-stock company) in Saint Petersburg notes.
Netupsky Pawel, online newspaper "Fontanka.ru"
© online newspaper "Fontanka.ru"