Advantage programme Home Bank

Nordea Bank invites you to participate in Advantage programme Home Bank.

Advantage programme Home Bank will allow you to use bank’s services on beneficial terms and conditions. The more you collaborate with the bank, the better benefits you get.

 

+7 (495) 921-21-01
8 (800) 200-34-77
Discounts

up to 50%
 
  • Advantages
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  • Advantages of Programme Home Bank

    You can participate in Advantage programme Home Bank with the whole family - a wife (husband) and kids. In that case all products and bank services all the members of your family use are to be taken into account to define a category of advantage. Advantages will cover every programme participant. Thus, it will be faster, simpler and cheaper to do all the transactions in Nordea Bank for your family.

    Clients taking participation in the Programme are assigned to one of the following categories:

    • Bronze client
    • Silver client
    • Gold client

    Advantages of Programme Home Bank

    Increasing the transaction volumes within the bank, you simultaneously derive more benefits from the programme and diminish the expenses on the service maintenance. You can broaden your collaboration with Nordea by:

    • Transferring all transactions to it;
    • Combining all family transactions in it;
    • Starting to use new products and services of the bank.
    • Bronze client
    • Silver client
    • Gold client
    • The category Bronze client is assigned to clients who just entered the Programme. These clients will have the possibility to get the Silver client and Gold client categories later on.

    • The Silver client category provides discounts on a number of Bank’s products and services:

      • discounts up to 25% for settlement and cash services;
      • discounts up to 25% for bank cards tariff rates;
      • advantageous conditions for loans and deposits.

      In order to become a Silver client, the total amount of transactions and services used by you and your family within Nordea should be as follows:

      Privilege category criteria*

      Total amount of savings and loans

      Account turnover, quarterly

      Total amount of services

      at least 200 thous. rub**

      22.5 thous. rub**

      at least 2

      The total sum of savings and loans is calculated as a sum of the following items:

      • fixed-term deposits (defined on a monthly basis on the date of savings and loans calculations as certain balances);
      • total amount of loans (including the amount of the bank card overdraft limit) defined monthly on the date of savings and loans calculations as a total value of the loan debt balance.

      Monthly account turnover:

      • Within the advantage category assignment the following funds transferred to your bank accounts are to be taken into consideration: current account, special card account or demand deposit.
      • Total amount of the receipt to your account for the last three months should not be less than 22.5 thous. rub.
      • Your bank account opened within the Payroll Card Programme is also taken into consideration.

      Total amount of products and services used

      • When calculating the products and services used by you and your family only bank products and services from different groups are taken into account.

      * Advantage category is assigned upon compliance with all the criteria of one category listed.
      ** including the exchange other than rubles at the rate of Central Bank of the Russian Federation as on the date of calculating the total sum of savings and loans/Client’s accounts turnover.

    • The Gold client category provides the following benefits:

      • personal banking;
      • discounts up to 50% for settlement and cash services;
      • discounts up to 50% for card accounts maintenance;
      • most advantageous conditions for loans and deposits.

      In order to become a Gold client, the total amount of transactions and services used by you and your family within Nordea should be as follows:

      Privilege category criteria*

      Total amount of savings and loans

      Account turnover, quarterly

      Total amount of services

      at least 1 ml. rub**

      22.5 thous. rub**

      at least 4

      The total sum of savings and loans is calculated as a sum of the following items:

      • fixed-term deposits (defined on a monthly basis on the date of certain savings and loans balances calculations);
      • total amount of loans (including the amount of bank card overdraft limit) defined monthly on the date of savings and loans calculations as a total value of the loan debt balance.

      Monthly account turnover:

      • When assigning an advantage category the following funds transferred to your bank accounts are taken into consideration: current account, special card account or demand deposit.
      • Total amount of the receipt to your account for the last three months should not be less than 22.5 thous. rub.
      • Your bank account opened under the Payroll Card Programme is also taken into consideration.

      Total amount of products and services used:

      • When calculating the products and services used by you and your family only bank products and services from different groups are taken into account.

      * Advantage category is assigned upon compliance with all the criteria of one category listed.
      ** including the exchange other than rubles at the rate of Central Bank of the Russian Federation as on the date of calculating the total sum of savings and loans/Client’s accounts turnover.

  • When consider on a Customer’s advantage category the following products and services come into account:

    Business line

    Product/service groups*

    Banking products

    Electronic services

    1.

    Electronic banking

    «NORDEA online»**

    2.

    Debit cards

    VISA Electron/ Cirrus/ Maestro

    VISA Classic/ MC Standard

    VISA Gold/ MC Gold

    VISA Platinum

    3.

    Credit cards

    Bank card overdraft loan (including grace period of service)

    Debts and borrowings

    4.

    Purchase loansClassic mortgage loan mortgage loan
    Mortgage loan on construction participation interest
    Bill loan CT Su-155

    5.

    Secured landed property loans

    Purpose mortgage loan***
    No purpose loan***

    6.

    Loans for consumptionConsumer loan

    7.

    Other debts and borrowings

    Car loan

    Savings

    8.

    Classic deposits

    Fixed term deposit
    Demand deposit

    9.

    Deposits of valuables

    Safe deposit boxes

    Insurance

    10.

    Life insurance

    Accumulative insurance****

    Portfolios and investments management services

    11.

    Securities

    Broker services*****


    * the list of services taken into account when giving the Customers advantage categories can be changed as appropriate.

    ** NORDEA online service is taken into consideration when calculating the quantity of services used by the Customer within the framework of the advantage category assignment subject to one of the terms:

    1. Performance of at least three transfers in the currency of the Russian Federation to the accounts in other Banks by Nordea online system within three last months;
    2. Transfer of at least 20, 000 rubles to the accounts in other Banks by Nordea online system within three last months;
    3. Providing the transfer in the foreign exchange to the accounts in other Banks by Nordea online system within three last months.

    *** including similar mortgage products;
    **** the product is documented in JSC Nordea Bank offices as a representative of an insurance cooperating company;
    ***** average daily amount of Customer’s internal funds for the last 30 calendar days (rubles of the Russian Federation) should not be less than 100,000.00 RUB or its equivalent at the rate of the Central Bank of the Russian Federation as of the date account is settled.

 
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