One day I thought about opening an account at another bank.
It’s not that we were unhappy with the current situation, but still I really considered the possibility of transferring settlements worth several hundred million rubles to another bank.
Hm... how to choose an important contractor who can be trusted with big money? I held a tender!
I looked at the rating of retail banks and chose several top ones, based on reviews (tender list). Then I wrote identical letters (briefs) to several serious banks, where I outlined several simple requirements that interested me - tariffs for cash settlement services, conditions for placing deposits, conditions for providing loans on overdrafts, corporate cards. I asked to send me a comprehensive proposal in the form of one presentation, where all this is included. PDF is possible, but PPT is also possible.
You know, the banks responded clearly - all 5 tender participants called me. Everyone asked me to send my balance. To evaluate whether they will open an account for me or not, and what conditions to offer... You know, it's quite strange. I'm the one who chooses where to store my money, so I'm interested in seeing your balance. I have already looked at them, so they are already in the tender - perhaps I will place my several million. If you offered interesting conditions by sending a presentation.
OK. After explanatory conversations about their participation in the tender, all banks sent tariffs for cash settlement services. Some were able to get together and after some time send conditions for deposits for legal entities. This is cute. But apart from the standard table with tariffs for cash settlement services, no one could send me the conditions for overdrafts. This is a trick - to get information, you had to call another department - i.e. I had to call and ask for a favor; the bank itself couldn’t call me. These are different people - some open an account, others - deposits, others - overdrafts. Those who open accounts do not call those who open overdrafts.
NOT ONE bank did what I asked - NO ONE sent me a PDF presentation, which included cash settlements, cards, deposits and overdrafts taking into account my turnover. They called me, they sent me tables in the body of the letter, but it was not possible to fulfill my request and send everything in one letter.
None of the banks were willing to work a little harder to get my money. The tender did not reveal a winner. We haven't changed banks.
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Our agency regularly receives tenders for 10-20 million, the conditions of which are postpayment for 30-60-90 days (after signing the act of completion of work, which will be signed an unknown number of days after the project). In fact, this is the same loan, only... we need to fight for the right to give this credit. Tender conditions can be very strict... But, you need to understand that large companies do not go to the bank to borrow money, but “ask” them to lend for several months. And we are preparing the necessary PDFs to participate in tenders while we have enough money for lending, of course.
What a strange life... :)))
