Cetelem Bank LLC (OGRN1027739664260, perpetual General License of the Central Bank of Russia No. 2168 dated June 27, 2013) is a commercial bank that is the leader in the consumer lending market in Russia.
You can get a consumer loan in such retail chains as Eldorado, Snow Queen, Expert, etc. However, in addition to consumer lending, the bank's products also include car loans, credit cards, and payday loans. Today, Setelem employs more than seven thousand employees, the bank has its branches (offices) in 76 regions Russian Federation.
Personal account “My Bank”
Enter Personal Area"Cetelem Bank" can be found on the official website page https://online.cetelem.ru/login.jsp. To do this you need:
- enter your passport data: series and number of the identity document (passport) without spaces;
- enter the loan agreement/credit card number: agreement number consisting of numbers or the entire card number;
- enter your number mobile phone: number that was linked to your agreement/card.
Registration in your personal account "Cetelem Bank"
Cetelem Bank began operations in the Russian Federation in 2007 as a division of the international financial group Paribas. And in 2012, a share in this structure was purchased by Sberbank. Cetelem Bank LLC specializes in issuing loans in our country (it is currently represented in 77 regions) and offers several relevant products - these are ordinary consumer loans, car loans, credit cards and loans for urgent needs. And every borrower, throughout the entire payment period, has the opportunity to quickly and easily contact Cetelem Bank online - on the official website there is a special service for clients called “My Bank”.
How else is this service useful? With its help, you can pay a loan remotely and without intermediaries, find out information about the status of your loan account, payment dates, and the nearest service offices. More details about the service will be described below.
Setele has been operating in the Russian market for more than 10 years and has established itself as a reliable bank
You can enter “My Bank” through the official website of the credit institution cetelem.ru. Login is generally simple:
- On home page in the upper right corner there is a blue plate with the inscription “My Bank” - you should click on it.
- Then you need to enter the number and series of your passport (without spaces).
- Next, you should write the number of the credit card or loan agreement.
- In the third empty column you should indicate your telephone number - it must match the number that you indicated when drawing up the agreement and/or card.
When a new page opens, data about your loan account will appear on the screen; you can immediately find out the loan balance, the amount of the monthly payment under the agreement and the payment schedule. If necessary, this chart can be printed.
How to find out your contract number at Cetelem Bank
There are situations when a client loses or forgets the contract number. Unfortunately, in this case, Cetelem Bank’s online service will be useless when logging in from a PC.. Because, as already mentioned, this number is needed for identification.
But you can also access the “My Bank” service from a smartphone. First you need to download and install the free mobile app(it is also available in Google Play, and in the App Store). For the first login, you will have to indicate the same data here - passport number and series, contract number, etc. But in addition, the user will be asked to create a five-digit password for authorization. That is, in the future, when using the application again, it will be enough to specify only this password. In addition, in those devices that have a fingerprint reading function, you can set up login using your fingerprint.
But how can you find out the contract number if the mobile application is not installed? There are two more alternative ways:
- Call the Cetelem Bank call center (the call must be from the phone number that was specified when drawing up the contract).
- Write a request on the bank’s website (but not through the “My Bank” service, but through the “Contact Us” section). The link to this section can be found on the main page at the top. When filling out the contact form, you can choose where to receive a response: by email or by phone as an SMS message.
To enter your personal bank account from a computer, you need to know the agreement number
How to pay a loan through your personal account at Cetelem Bank
Paying a loan through your Personal Account is also not too difficult:
- First of all, the user must click on the “Pay a loan” checkbox in the Personal Account and select the “Loan payment” item from the proposed options.
- Next, you need to enter the recipient's account number, your full name and email address.
- Then you will need to select the type of card from which the transfer will be made, the transfer amount and click on the “Continue” button.
A new window will open, and here you will also need to fill out several fields. First of all, you should enter the card number, the first and last name of its owner, expiration date, and three-digit security code.
After this, you need to click “Continue” again - as a result, the user will be transferred to a new page where the transaction status will be displayed. If everything was done correctly, the “Approved” status will appear.
Please note what kind of translation Money a significant commission is charged– 1.6% when used VISA cards and 0.8% when using a MasterCard. The transfer processing time ranges from one to three days. If the payment is delayed for a longer period, you must contact the bank's support service and provide documentary evidence of payment.
Online payments today are absolutely safe thanks to the secure 3D-Secure system - you don’t have to worry about fraudsters gaining access to confidential data or withdrawing funds from your account.
Other ways to repay loans
Cetelem Bank products are offered in numerous sales centers - retail retail outlets and from car dealers (). In particular, this financial structure cooperates with such well-known networks as M.Video, DNS, Lazurit, Snow Queen, Kitchens Maria, Hoff - Cetelem Bank specialists work in the stores of these brands. But at the same time this structure does not have its own ATMs in the regions where it operates. Accordingly, borrowers are offered repayment options through third parties. There are actually quite a lot of repayment methods - this can be done through Sberbank terminals and branches, Qiwi terminals and Qiwi-wallet, Elexnet and Rapida payment systems, Russian Post branches and so on.
The most profitable methods, of course, are those that do not involve commission. For example, you can pay without commission through Sberbank Online. But this method, unfortunately, is only suitable for those who have a Sberbank card. And without commission you can pay for a loan at Cetelem Bank in Qiwi terminals, of which there are indeed a lot throughout the country. On the other hand, there is not too convenient ways. Payment through Russian Post takes up to 10 days; in addition, a commission is charged from the payer for the operation.
Login to “My Bank” is carried out through the official website of Cetelem
Important features of the “My Bank” service
One of the main advantages of the online service from Cetelem Bank is the following: you don’t need to go to a bank branch, for example, in order to get a password and login (this is practiced in some other financial institutions) - everything can be done in literally five minutes, just by going online from your computer. Setelem.Ru and the “My Bank” service are available to customers around the clock, so you can register when it is convenient for you.
In your Personal Account there is also a button “Early repayment”, by clicking on which you will see the corresponding amount. With its help, you can quickly prepare a request for partial or full repayment before the due date - it is much more convenient than going to the bank. True, Cetelem Bank sets a condition for clients: applications can be submitted no later than thirty days in advance and, guided by this condition, in the “My Bank” service you need to select a date for early repayment.
When choosing the so-called partial repayment (there is such a function), the user should also indicate the further format of payment for the loan - with a shorter term or with a reduced monthly payment. After this, you need to enter the date, taking into account the thirty-day warning condition, and select the desired parameters.
There is one more feature that can be evaluated with both a plus and a minus sign: a client who once becomes a user of the Cetelem Bank online service receives a Personal Account at his disposal forever. It cannot be completely deleted, but it can be blocked by requesting this by calling the support service number or in your Personal Account.
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Not every citizen can manage without borrowed funds in our economically unstable times. Everyone is looking for the most attractive loan options, and such a famous bank as Cetelem is ready to offer them. Unfortunately, due to certain circumstances, borrowers sometimes delay mandatory payments, which leads to an imbalance in their own accounting. If you need information about your debt, you can find out the loan balance in your Cetelem Bank personal account without any particular difficulties and loss of precious time.
When do you need to know the loan balance?
Despite the harsh actions of the Central Financial Regulator of the Russian Federation, Cetelem Bank is rapidly developing, and the list of its services is becoming available to a huge number of people. potential clients. You don’t have to worry about what balance is on your card account or your existing loan. To obtain the full amount of necessary information, it is enough to organize an entrance to your virtual personal account, study a little of the interface presented by the developers and actually begin to actively use all the advantages offered by the portal.
Staying informed of your credit debt at Stele Bank is an extremely important task for every bank client, and accurate information will help in a variety of cases, for example:
- When deciding to repay the balance of the loan ahead of schedule;
- In the event of an unforeseen situation, including when a bank client applies to judicial authorities if there are disagreements in the area of transfers made;
- If a procedure is required to apply for an existing loan to refinance a loan. You will need to obtain a document about the loan balance and compare it with the data received in your personal account.
Find out the balance using your passport details and contract number in your personal account
The advantages of the credit institution we are considering is that the borrower can find out about his debt and the balance of the loan taken through various services. For example, official portal financial organization used by millions of bank clients who have entered into a loan agreement or issued a credit card. Please note that a client of a financial institution does not need any special registration. Most borrowers have already appreciated the well-thought-out resource system, as well as its technical capabilities.
Users of Sberbank, which, by the way, is the flagship of the entire list of domestic credit institutions, note a certain similarity between the systems and the personal account itself. For example, after correctly logging into the Internet resource, you can find out your financial balance on the loan by entering the data of a valid passport in a special section.
There is also the possibility of ensuring monetary transactions for repayment or final closure of debt on an existing loan from Cetelem Bank. The procedure can be performed at any time convenient for you, without leaving your own home or without leaving your workplace.
It is important to note that the Internet resource created by the employees of Setel Bank is very convenient and accessible to any client. Let us remind you that there is no need to carry out painful and time-consuming registration, because access to accounts is provided in a few steps. As soon as the system gives the go-ahead to enter your personal account, the user receives full access not only to accounts, but also to other functional features portal. So, how can you find out the financial balance of a loan?
To do this, you need to follow these simple tips:
- As soon as you get to the section of the secure page of the site, go to the directory called my bank;
- Next, enter the correct details of your passport into a special window, without any spaces;
- Next, enter the number of the loan agreement concluded with the bank;
- You will need a cell phone number, naturally in working condition;
- Then, after checking the data, press the login button.
As soon as the page is updated, the user will be able to visually see the status of the loan account with the amount, as well as the exact date of deposit of the next tranche. If you are interested in the full amount when ensuring early repayment, find the corresponding button and click with the mouse.
Experts recommend making mandatory loan payments in advance, that is, a week before the final payment date. Almost any option for transferring money to Cetelem Bank will require some time before the sent amount ends up in the credit institution’s account.
How to find out the amount of debt by phone at Cetelem Bank
You can get information on your debt balance using your mobile phone number. It will need to be entered into the appropriate section of your personal account. You should also know the loan agreement number and passport details. If you can’t log into your personal page on the bank’s portal, you should contact the managers using their direct phone number, which will not be difficult to find.
By providing the company employee with all the necessary data, including the contract number and passport data, the problem will certainly be resolved as quickly as possible. They will tell you which sections you need to fill out, where to enter the loan agreement number, date, and personal mobile phone number.
Conclusion
It’s really easy to check your loan balance in your Cetelem Bank personal account. Besides, finance company has the ability to provide notifications in the form of short SMS messages about debiting funds from an account sent to pay off a debt. It happens that for technical reasons, including because the mobile device does not meet the required parameters, the notification does not arrive. In this case, you should take care of the issue of paying the debt yourself, because in case of delay it will be almost impossible to avoid paying penalties.
