Income can be confirmed by one of the documents listed below (the document must contain information on income for the last 12 months; if employment is less than 12 months, for the actual period worked):

1. Statement from the Social Fund of Russia — the document can be ordered through the Gosuslugi portal.

Instructions for applications from the mobile app

Instructions for all other applications.

2. Income certificate in The bank form / income certificate in the organization's form — an alternative type of income certificate. You can download the prescribed form via the link and submit it to your accounting department for completion, or provide a certificate on the official letterhead of the organization where you work.

3. Certificate of income and tax amounts of an individual (previously — 2-Personal Income Tax (PIT) certificate) — to obtain the certificate, you need to contact your employer and request the document from the accounting department.

4. Statement for the payroll account — income is taken into account provided that the statement indicates that this is a salary payment.

5. For the “individual entrepreneur” category — statement from the individual entrepreneur's current account with payment purpose, or statement from an individual's account with crediting of income from the individual entrepreneur (the credit must be unambiguously identified as a transfer of the Client's personal funds from the individual entrepreneur example — individual entrepreneur Ivanov I.I. transferred funds to the individual (himself) Ivanov I.I.).

6. For the “pensioner” category — a certificate of the pension amount, or an account statement indicating the amount of pension payments received.

It is sufficient to upload one of the documents specified in items 1–6.

For applications from the mobile app, the income document must be:

·       attached to the application in the mobile app

·       uploaded to the bank's website via the link that will be sent in an SMS message (available for Android versions below 4.76 and for IOS of any version).

For all other applications, the document must be provided to a bank employee or uploaded through the bank's website via the link that will be sent in an SMS message.

An SMS message will be sent to the phone number provided when submitting the loan application.

For loan amounts up to 300,000 rubles inclusive for non-customers of The bank (up to 600,000 rubles for customers of The bank, according to the tariffs):

• Passport of a citizen of the Russian Federation

• A second document of your choice

driver's license, valid international passport, Taxpayer Identification Number (TIN), Individual Insurance Account Number (SNILS), document confirming income

For loan amounts above 300,001 rubles inclusive for non-customers of The bank (above 600,001 rubles for customers of The bank, according to the tariffs):

• Citizenship of the Russian Federation

• Documents confirming income for the last six months, of your choice 

income certificate in 2-Personal Income Tax (PIT) form, income certificate in the bank's form (including that of a third-party bank), income certificate in the employer's form, Pension Fund statement, salary account statement from a third-party bank

• For pensioners

a document confirming pension income, of your choice: a certificate from the Pension Fund or another government authority paying the pension; a statement from the bank personal account on the pension; Pension Fund statement

Customers receiving salary payments to a card of PJSC "Bank Uralsib":

• Passport of a citizen of the Russian Federation

Choose the method of receiving a loan that suits you and get a loan in 3 simple steps.

Website:

1. submit an application on the bank's website,
2. answer a call from a bank specialist,
3. sign the documents at any bank branch convenient for you.

Uralsib Online, if you are a bank customer and have a pre-approved offer:

1. submit an application through Uralsib Online,
2. receive an approval SMS,
3. sign the loan documents through Uralsib Online without leaving home.

Bank branch:

1. submit an application at any bank branch convenient for you,
2. receive an approval SMS,
3. sign the documents at any bank branch convenient for you.

Application review takes from 15 minutes. The response will be sent to you in an SMS message.

Citizens of the Russian Federation aged 23 to 70 years (maximum age at the time the loan ends), permanently registered in the territory of the Russian Federation and employed for at least 3 months at their most recent place of work.

1. Wait for a call
   Within 24 hours, a bank employee or a representative of our partner will call you. During the conversation, the operator will confirm your details and agree on the meeting place and time. You will also receive an SMS with the delivery details.
   
   If you chose delivery to a branch
   Wait for an SMS confirming approval. After that, you can come to the branch to receive the loan. After receiving the SMS, wait for a call from the bank — you will be told exactly which documents you need to bring with you.
   While you are waiting for the call, it is better to disable the phone assistant and check incoming calls — the number may be marked as spam.
2. Receive the loan and sign the documents
   We will deliver the card with the funds to a place and time convenient for you. Sign the documents. You may be asked to sign them on paper or electronically in the Uralsib app, on our partner's website efr.ru.*
   At the meeting, you will need your passport and a photo of yourself holding it — this will confirm that you are the one receiving the card.
3. Download the app or log in to your personal account
   Follow the link and follow the instructions.
   
   Important:
   — Install the app only from official sources.
   — For quick access, save the password in your browser or password manager.
4. Wait for the card to be activated
   First, you need to wait for an SMS confirming card activation within a few hours. Then set your PIN code.
   
   * After the agreement is concluded, you will receive a notification from NCO JSC National Settlement Depository (NSD). This is a requirement of Federal Law No. 211-FZ dated July 20, 2020. In the document, the agreement is referred to as a “financial transaction” and is executed on the website of EFR.

• Uralsib Online is the most convenient way to make a payment. You can top up your loan in 3 clicks. To do this: 1. Go to the mobile app or the Uralsib Online web version. 2. Select the loan and the card or account to fund it. From an Uralsib account, the funds will be credited instantly; from accounts with other banks, the crediting may take up to 3 business days.
• Faster Payments System (SBP) — instant top-up.
• Via an Uralsib ATM — instant top-up.
• At a bank branch — instant top-up.

Uralsib notifies clients of the date of the upcoming monthly payment and provides an opportunity to quickly and without commission pay the loan.

But if you missed the deadline or did not repay the full amount of the monthly minimum payment — you will be charged penalties for overdue debt. The amount of the penalty is specified in the loan tariffs & fees.

Order it at a bank branch.

• Log in to Uralsib Online.
• Select your loan, click the full early repayment icon, and the amount for full early repayment will be displayed in the window that opens .
• It is important to note that the amount for full early repayment must be in the account before submitting the early repayment application

You can submit an early repayment request via Uralsib Online. 

This is the fastest and most convenient way to repay. The request will be processed on the date specified by you, usually on the same day.

To make an early repayment of a loan, you need to complete two steps:

• Fund the loan repayment account in any convenient way.
• Create an early repayment request for the loan.

To create a request for partial or full early repayment of a loan in Uralsib Online, select the loan you want to repay and choose "Early repayment".

• If an insured event related to life and health occurs, you or your loved ones will not have to think about where to get the funds to repay the loan — the insurance company will cover your debt to The bank.
• Under the consumer lending program, the annual interest rate is reduced for the period during which the voluntary life and health insurance agreement is in effect.

More details are available in this section. 

• Inlife Insurance LLC (URALSIB INSURANCE LLC). Information about the insurance company for clients and Agents.
• Inlife Life Insurance JSC (JSC IC Uralsib Life). Information about the insurance company for clients and Agents.

If you have found an inaccuracy in the credit history held by a credit bureau regarding loans issued to you by Bank Uralsib, please submit an application to any Bank Uralsib branch.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the Online banking chat, the mobile app of Uralsib Online, or through the website.  

After receiving the loan, submit to the bank documents for a vehicle that is owned by you. Only one document of your choice is sufficient: Vehicle Registration Certificate (PTS) or Vehicle Registration Certificate (STS).

Requirements for the vehicle:

• New or used;
• Category B, C or D;
• Value from 10 000 ₽.

How to submit documents to the bank?

You can do this easily and quickly by attaching a photo via the link. 

By email – kk@uralsibbank.ru:

1. In the email, specify your Full name, the date of conclusion of the loan agreement, and the make and model of the vehicle.
2. Attach a scan of the vehicle document.
   
3. Add the following comment: «For fulfillment of the conditions for providing vehicle documents under the loan agreement».
   

You can also submit the documents in person at any bank branch 

The Total Cost of Credit does not include:

• Fines, penalties,  liquidated damages for breach of the agreement;
• additional services from the bank, for example, SMS notifications;
• mandatory insurance;

The Total Cost of Credit is an important indicator that allows the Borrower to assess all expenses associated with obtaining and servicing a credit product.

The Total Cost of Credit includes not only the principal amount of debt and interest on the loan, but also various commissions and fees that may be charged by the bank. Such fees include:

– Fee for opening and maintaining an account;
– Fee for issuing and servicing the loan;
– Charge for early repayment of the loan;
– Fees for additional services (for example, Borrower life insurance).

Calculation of the Total Cost of Credit:

To calculate the Total Cost of Credit, it is necessary to take into account all the commissions and fees listed above. The formula for calculating the Total Cost of Credit is as follows:

Total Cost of Credit = i * (1 + i)^n / (1 + i)^n - 1, where i is the annual interest rate, n is the loan term in years.

If you ordered courier delivery, you may be asked to sign documents on paper or electronically in the Uralsib app or on the website of our partner www.efr.ru. After the agreement is concluded, you will receive a notification from NKO JSC NSD. This is a requirement of Federal Law No. 211-FZ dated July 20, 2020. In the document, the agreement is referred to as a “financial transaction” and is executed on the EFR website

Everything depends on the parameters of the requested loan. To find out the interest rate, as well as the benefit from the "Svoya Stavka" service, submit an application for a personal loan in any way convenient for you. More detailed information is provided in the Tariffs & fees.

You need to complete the template application and send it by Russian Post to the following address: 117342, Moscow, 65 Profsoyuznaya St., Building 1, Floor 15, Premises 1517

The cost of the service is determined individually based on the parameters of the loan you request. More detailed information is available in the tariffs:

• Tariffs & fees for individuals: unsecured personal loan for The bank's clients who have a special loan offer from The bank (with the “Svoya Stavka” service)
  
• Tariffs & fees for individuals: unsecured personal loan for clients wishing to refinance loans from third-party banks (with the “Svoya Stavka” service)
  
• Tariffs & fees for individuals: unsecured personal loan (with the “Svoya Stavka” service)
• Tariffs & fees for individuals: unsecured personal loan for employees of organizations included in the group of companies of PJSC "Bank Uralsib" (with the “Svoya Stavka” service)

·       The service is paid.

For a personal loan, it is not possible to arrange the "Svoya Stavka" service and life and health insurance at the same time.  However, an insurance policy covering the risks of temporary disability, job loss, and bodily injury can be arranged for the loan. 

The service allows you to reduce the interest rate on the loan.

When submitting an application at a bank branch, via the bank's website, as well as in the bank's app.

The service can only be arranged at the time of receiving a personal loan.

Yes, this option is available. Please note that under the terms of your loan agreement, if you cancel the «Svoya Stavka» service, the interest rate on the loan will change. 

To cancel the "Svoya Stavka" service, you need to call +7(495) 723-77-28.

The cooling-off period is the period after receiving a loan when the credit funds are not yet available. This period is needed so that you can refuse the loan if you realize that you have been influenced by fraudsters or found out that they took out a loan in you name. Learn more about Federal Law No. 9-FZ dated February 13, 2025

How long the period lasts
At least 4 or 48 hours after the conclusion of the loan agreement.

What determines the duration of the period
The cooling-off period depends on the loan amount:

• up to 50,000 rubles — there is no cooling-off period;
• from 50,000 to 200,000 rubles — at least 4 hours;
  
• more than 200,000 rubles — at least 48 hours.
  

You can close a loan via:

• Support chat in the app or Uralsib Online web version;
• Support phone: 8 (800) 250-57-57;
• Bank branch.
  

Nothing will happen. You will not be able to use the loan funds until the cooling-off period ends and The bank transfers the funds to the account.

After the cooling-off period ends, the loan funds will be sent to your account. You can check your account in the app or in the Uralsib Online web version.

Immediately write in the Uralsib Online chat, call support at 8 (800) 250-57-57, or contact the bank office.