The activities of Home Credit Bank began in 2002, and today it is a leader among domestic banks in the field of lending to citizens. Included in the TOP 10 banks on the market consumer lending, has a wide presence in retail networks, shops, retail outlets.

Personal Area

Enter Personal Area You can contact Home Credit Bank by phone number or login. To log in using your phone number, go to the “My Credit” tab.

1. In the new window, enter your phone number linked to the system.
2. Please enter your date of birth.
3. Enter verification code and click "Submit".
4. An SMS message with a one-time code will be sent to your phone, which you will also need to enter to click “Login.”

Please note: the “My Credit” personal account service is provided by Home Credit Bank free of charge and does not require a special connection to it!

To go to your personal account using your login, go to the “Internet Banking” tab.

1. In the new window, enter the login and password received during registration.
2. Finally, click “Login.”

Opportunities and advantages of Internet banking

• The functionality of the “My Loan” personal account is intended primarily for repayment and obtaining all information on the loan: thanks to it, you can remotely make the next payment, find out the payment date, its amount, the balance of the unpaid debt, and the total term of your loan. You can also download and install the mobile application on your tablet or smartphone and use all the service options.
• You can pay for cellular, television, and Internet services without charging fees without leaving your home. You just need to enter the details and the required amount. Funds will be credited instantly to the service provider's account.
• You can also remotely make payments for housing and communal services to your management company. By the way, you can do this with either a credit card or a debit card.
• Home Credit Bank offers all its clients (debit card holders) profitable money transfers with a commission of up to 10 rubles. The commission is fixed and does not depend on the transfer amount. By the way, you can make transfers by indicating only the recipient’s card number. The commission in this case will be 1%, but not more than one hundred rubles. Enrollment Money will depend on the recipient's bank and can range from several minutes to several days.
• Without a commission, you can pay off fines, pay taxes, and state duties.
• You can make free transfers between your accounts and cards or to any other Home Credit Bank client.
• Available to you detailed information for transactions made from any of your cards or accounts for the selected period of time.
• Open a deposit within one minute at a favorable rate.
• You can . By the way, this can be done on a card or account opened in your name in any other bank.
• If you have lost your card, you can quickly block it without contacting the contact center.
• After making a payment, you can create a template so that you don’t have to enter all the details again when making a repeated payment.
• You can set up an auto-payment service to top up your mobile phone balance.

How to connect?

Home Credit Bank's personal account is an individual user page that allows 24/7 control of transactions on issued loans and open deposits, manage them at any time of the day and timely track the receipt of money into the account.

Login to Internet banking Home Credit Bank possible from any personal computer, mobile phone, tablet or other device connected to the Internet. There are no territorial restrictions - you can log in to the system at any time.

Note! Using the service is free. The credit institution does not charge any fees for authorization or for using the system.

How to log in to the service?

To enter “My personal account from Home Credit Bank", you need to follow a few simple steps.

Instructions:

1. Go to the credit institution’s portal (http www.homecredit.ru/), select your city from the list.
2. Click on the link located in the upper right corner, “Login” (red rectangular banner).
3. Enter the username and password you selected when connecting, and then click on the “Login” link under the data window.

After specifying your login and password, a verification SMS with a code is automatically sent to the number entered during registration. Enter it in the window that appears to complete your banking login. Now you have access to all the functionality of your Home Credit personal account.

How to register for Internet banking?

The Home Credit personal account is registered for clients who apply for a loan, deposit or use another banking product at the branch. For example, if you receive a loan, the manager will independently fill out an application for registration of Internet banking.

Other connection methods:

1. Via support service ( toll free number hotline – 8-800-700-80-06). Contact a consultant and receive a TPIN code from him - it is assigned to each client for instant identification. The TPIN code is issued after the user answers all the consultant’s questions (passport information, date of birth, code word or phrase).
2. Contact one of the representative offices of Home Credit Bank. Fill out an application form at one of our offices. The employee checks it for 1 minute, then issues a login and temporary password. After authorization, you must change the temporary password selected by the automated database to a permanent one (at the user’s discretion).
3. Via the official Home Credit website. Go to the Internet banking section, and then click on the “Get login and password” link. In the window that appears, select the connection method that the service offers - by identification number agreement or card issued by the bank. The next step is to enter the verification characters, login and temporary password sent by phone number provided when signing the agreement.

Forgot to change your temporary password after using the service and have already closed your personal account? You will need to obtain authorization information again. Use any of the above methods for this.

System functionality and interface

After authorization in the system, the user opens an electronic panel containing banking products from Home Credit Bank. The central part displays the client’s personal information – type of service (credit/loan/deposit, etc.), balance and other information on the selected product.

Right on home page the user will be able to track recent transactions by debit or credit card. Each column will indicate the date of transfer of funds, the amount spent and the name of the store.

At the top of the personal account of Home Credit Bank there is a simple menu that allows you to quickly obtain information about banking products, make payments, submit a preliminary application for a loan, etc.

One of the most popular tabs among users is the section "Transfers and payments".

It consists of several sections - transfers (by card number, to another credit institution, between your accounts) and payment history.

Note! Credit (www mycredit cabinet ru) and personal (ib homecredit ru/ibs/login) cabinet are different services. The first is intended solely for monitoring the status of the loan.

Here you can create an online template for automatic payment, providing the following information:

• payment details (for example, number bank account or mobile phone)
• amount to transfer,
• frequency of payment (or specific dates).

An excellent opportunity for the client to conveniently and quickly pay for housing public utilities, telephone communication, etc.

Home Credit Bank- large foreign bank, providing a wide range of services to the population: debit and credit cards, cash loans, deposits, current accounts. Service at Home Credit Bank is very convenient thanks to your personal account, which is entered using your login and password. All bank clients can use Internet banking; they only need to register in the system once.

To enter the full version of Home Credit Bank’s personal account, the client must go to https://ib.homecredit.ru and on the page that opens, specify your login and password.

If you do not want to constantly enter your login on the page, then you can tick the “Remember login” box and you will only need a password to log in. It is not recommended to use this function on someone else's computer.

Please note that the client is given only 3 attempts to enter. After three incorrect password entries, the account is locked for security reasons. In this situation, you shouldn’t take risks - use the password recovery option under the login form.

The features of the Home Credit Bank personal account are as follows:

• Information about connected bank products (cards, deposits, loans, accounts)
• Analysis of income and expenses (for the required period)
• Payment for services (housing and communal services, mobile communications, Internet and TV, taxes and fines)
• Money transfers (between your accounts, to other banks)
• Order a debit card (new or reissued)
• Order a credit card
• Card blocking
• Making a deposit
• Completing an online application for a loan (the loan can be received immediately on the card of any bank in the country)
• Currency exchange at a favorable rate
• Finding the nearest offices and ATMs
• Pre-approved loan and credit card offers
• Contact support via Home Chat

Home Credit Bank has several versions of its personal account, each of which is responsible for a specific banking product:

1. Internet bank(full functionality of Internet banking)
2. My loan(only the loan issued by the bank is displayed, the list of options is also limited only to the loan)
3. Goods in installments(for customers who purchased goods in installments in one of the partner stores)
4. Program Benefit(view information about accumulated points in the bank’s loyalty program)

This personal account (My Loan) is intended for bank clients who took out a loan from it. The functionality of the client's account is limited to active credit. You can view relevant information such as: debt amount, next payment date, interest rate, payment schedule.

To log in you will need to go to the bank's website https://mycredit.homecredit.ru indicate your phone number and your date of birth.

You can register your personal account on the official website https://reg.homecredit.ru/. The system will prompt you to indicate the contract number or 16 digits bank card(optional) and enter your passport details. If the data is correct, your phone will receive an SMS with a registration confirmation code, after entering which you will need to come up with a login and password. Now you can use Internet banking.

There are also other ways to gain access to your personal account:

• Visit the nearest bank office with your passport (don't forget to take your passport with you)
• Bank ATM (in the "Internet Bank" section - "Connect")

Loyalty program "Benefit" from Home Credit Bank

Home Credit Bank cards are especially pleasant to use if they are connected to the Benefit loyalty program. Within the framework of this program, the user is awarded bonus points, which can later be exchanged for rubles. The number of bonuses depends on the client’s purchase category:

• The largest reward for purchases in partner stores (from 5% to 10%)
• IN individual categories the reward is 3% of the amount spent (gas station, Travel, Cafe)
• If your purchase does not fit one of the above points, then you will receive 1% bonuses

Please note that bonuses are not awarded for withdrawing money from an ATM, for transferring funds, for replenishing electronic wallets, for the purchase of lottery tickets. Bonuses are awarded to the client only for purchases in stores.

And it doesn’t matter where you make purchases - in Russia or abroad. You will still receive bonus points.

The most important- you can exchange points for rubles in your personal account of the “Benefit” loyalty program. Exchange rate: 1 point = 1 ruble. Minimum amount exchange is 100 points, exchange is made in your personal account.

The period for accrual of points is up to 7 working days. You can check your accruals using this link https://polza.homecredit.ru/ in your personal account bonus program"Benefit". Points are valid for 1 year from the moment they are credited to the bonus balance.

You can use your personal account not only on your computer, but also on your phone, thanks to the Mobile Bank - Home Credit mobile application. The program is available for download to all users of iOS and Android devices.

You can download the software to your smartphone in the App Store and Google Play application store by entering the phrase “Home Credit Mobile Bank” in the search bar and then clicking the “Install” button.

Advice! On first launch mobile banking you can set up a quick login to the application using a PIN code and fingerprint.

Home Credit Bank hotline phone number

To obtain the necessary information on bank services, as well as to clarify your balance and other things, you can contact the Home Credit hotline:

• +7 495 785-82-22 - for calls within Russia and from abroad (according to the tariffs of your operator)

Customer support takes calls 24 hours a day. You can also quickly get an answer by asking your question in the online chat in your personal account.

In the contact center you can: check the card balance, find out the balance of the loan debt, check the status of the money transfer, find out the status of consideration of the loan application and much more.

If you urgently need money, then you can apply for a loan from Home Credit. The processing time for an application takes on average 5 minutes; for regular customers, the decision time is even faster.

A distinctive feature of a loan from Home Credit Bank is the ability to receive money on a card from any Russian bank.

The conditions for a cash loan at Home Credit Bank are as follows:

• Amount of credit: from 10,000 rubles to 1,000,000 rubles
• Interest rate: from 9.9% per annum
• Term: from 1 year to 5 years
• Required documents: passport of a citizen of the Russian Federation
• Early repayment: available
• Application review period: 1 minute (in some cases it may take longer to decide)

The loan is available to citizens of the Russian Federation with permanent registration aged from 22 to 70 years with good credit history and a constant source of income.

Leave online application To get a loan from Home Credit you can do the following:

To replenish a credit card or pay a loan, you do not need to log into your personal account. Just go to the bank's website at https://www.homecredit.ru/payment-online and provide your details.

To replenish a credit card, you just need to indicate the card number and your date of birth, and to pay the loan you will need to enter the number loan agreement and account number for depositing funds.

You can also use any other loan payment method:

• Deposit cash at an ATM
• At the bank's cash desk (you can find the nearest branch in the application)
• In your personal account "My Credit" (no commission with a card from any Russian bank)
• In the Internet bank of any bank (for example, through Sberbank Online)
• Cash at the Russian Post office
• Cash through the system money transfers"Gold Crown"
• Through payment system Qiwi
• Via Eleksnet terminal

Please note that when paying for a loan at any bank other than Home Credit, a fee for transferring funds is charged. It is most profitable to replenish your credit account through a bank.

I love it new map The bank must be activated before use. This can be done remotely on the bank's website. To activate the card and get a PIN code, go to https://www.homecredit.ru/pin/. The system will ask you to indicate your card number and series and passport number.

After entering the data, an SMS with a registration confirmation code will be sent to your phone number specified during registration. Next, follow the system prompts to complete the procedure.

I can’t log into my Home Credit personal account: what should I do?

First of all, you should check that the password is entered correctly. If you are unable to log into your personal account on the first try, then you should use the password recovery option to avoid blocking your account. If subsequent login attempts are unsuccessful, you should contact the bank’s contact center to resolve this issue.

How to change the Home Credit card PIN code?

To change the PIN code of a Home Credit bank card, you need to call the hotline and provide the code word, card number and passport details. After this, the bank employee will switch you to the bank’s automatic system, which allows you to change your PIN code.

Installment card Freedom

Apply for a card Apply for a Freedom installment card

Debit Card Benefits

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Apply for a cash loan

Get money Apply for a cash loan

My loan from Home Credit - personal account

Don't have time to go to the bank to pay off your loan? Do you want to always be in the know? current state matters regarding upcoming payments?

Home Credit offers a convenient service to solve these problems, providing the opportunity to use Internet banking for a quick solution financial issues their clients. Convenient and useful online functions simplify the payment procedure and make cooperation with the bank even more productive and accessible.

My loan from Home Credit Bank

Personal account My loan at Home Credit bank - any client’s own platform financial organization for working with credit. Using this service, bank borrowers have the opportunity to quickly access information about the status of their loan agreement online. All necessary data is provided in an accessible and convenient form; if necessary, all information can be printed. This service allows you to get round-the-clock access to any operations. Much less time is spent on conducting such transactions than when visiting a bank branch or calling an operator.

Bank clients have the opportunity to:

• find out the balance credit amount to pay;
• check the amount of the next installment;
• clarify payment details;
• track recent transactions;
• make payment online;
• check whether the bank has received payment on the loan.

This service is especially useful for clients who have several open credit lines. Convenient and mobile internet banking will help you synchronize your payment plan and deal with loan obligations without leaving your home. Payment can be made from a credit card of any bank in any currency.

Any client who has taken out a loan from a bank can create a personal account. You can get to your personal account by going to the main page of the official website using the link mycredit.homecredit.ru.

To enter your personal account My Credit of Home Credit Bank and gain online access to information on the payment agreement, you must go to the bank’s main page https://www.homecredit.ru/.

From the website home page, the transition to the personal account service is carried out as follows:

Click on the red button in the upper right corner of the site “Login”.

In the window that appears, select the “My loan” option.

Enter your login details:

• in the upper field, enter the mobile phone number specified in the agreement concluded with the bank;
• in the second line we indicate the date of birth;
• in the third field we enter the digital code indicated on the screen;
• Click the “Continue” button.

The service confirms registration by phone number and date of birth.

To select the second method of logging into your personal account, go down below on the main page and under the ribbon of changing images we find another link to log in to My Credit.

The system redirects to the already mentioned web page, where you can also log in to My Credit.

After entering all the requested information, an SMS message is sent to your phone with a digital combination to access the system. It must be entered in the appropriate field. Logging in using your mobile phone number guarantees the safety of using this resource.

How to pay a loan in your personal account

After the registration and authorization process, the client is logged into his account. In your personal account we find the appropriate block for making a payment. To make a payment, a form appears to fill out, in which you need to enter all the requested data. Payment is possible by card of any bank.

It will take some time to send the data to the bank and complete the transaction. Update your payment progress information after some time. The payment is credited to your account within 24 hours (including weekends). A notification from the bank arrives on your phone when money arrives in your account.

The ability to pay for a Home Credit Bank loan via the Internet significantly optimizes the customer process.

Application for mobile

By using mobile application My loan from Home Credit Bank, installed on the phone, makes it possible to carry out loan payment transactions without visiting the bank. You can access your personal account at any time of the day, wherever you are.

Logging into the application is similar to accessing your personal account using a computer. Several additional functions have been added to the main functions of the application:

• find the nearest cash payment points;
• specify the amount and date of the next payment;
• check the progress of payment and the amount of debt;
• receive personal offers from the bank with the opportunity to apply for a new loan.

This application is compatible with iPad, iPhone, iPod touch and Android devices. For customer convenience, Face ID support has been added for iPhone X owners.

You can download the My Credit app in stores App Store and Google Play.

Such automation of loan transactions allows clients to save money and time, be more mobile and keep up with global banking trends.

The best opportunity to always be at the financial helm of your deposits at Home Credit Bank is to register and log in to your Personal Account. Client banking organization with the personal account he can always control his deposits, transfers, loans and other financial transactions.

A simple, convenient, functional Internet service allows you to do almost anything at almost any time Bank operations, regardless of location. You can use the service anywhere with only one important condition— availability of a device (tablet, computer, smartphone, etc.) for accessing the Internet and the Internet.

Login to your Home Credit Bank personal account

So, only bank clients can use LC Home Credit. Upon termination of the contract, access to the Personal Account is immediately terminated. It is very easy for a bank client to log into the personal account. To do this you need:

1. Go to the Home Credit website page - https://ib.homecredit.ru/ibs/ru/login;
2. On the form page, fill out all the lines - enter your username and password;
3. Fill in a unique one-time code that must be filled out in each session.

After this, you can use all the functionality of the personal account.

Personal account features

Home Credit offers interesting and convenient functionality to its clients. For users banking services in fact, it is possible to use two offices:

• Internet banking;
• My credit.

The capabilities of both offices are different. Internet banking provides the possibility of full access to your accounts and the ability to perform a wide variety of operations:

• opening deposits and ordering cards;
• replenishment of deposits and cards;
• transfers between accounts and to accounts of clients of other banks;
• payment of mobile communications, state duties, utilities, fines, taxes;
• card blocking;
• credit application;
• setting up automatic payments and templates.

It also allows you to control your expenses in graphical and tabular form. Any financial transaction requires confirmation with a one-time SMS code, which is necessary for greater security of your funds.

The LC interface is quite convenient and visually understandable. Users can easily find the necessary information to carry out operations in the personal account without lengthy study of instructions and tips. Simple navigation and convenient page structure, logical arrangement of sections and subsections allow clients to complete transactions in a short time. The structure of the personal account consists of a main menu on the top panel and side menus, which open after going through the items. Each operation requires additional confirmation to ensure greater security of financial assets.

Registration in LC

A bank employee will offer to register with LC Home Credit immediately when you register your first banking product: when opening a deposit or receiving a bank card. If for some reason this was not done, the client who decided to open the account will have to solve the connection problem in three ways:

1. Still, go to any bank branch and ask the manager to connect you to this service. The bank manager will ask for your passport and agreement and offer to fill out an application. After this, the bank client will receive the treasured envelope with login and password.
2. You can do this by calling 495785-82-22. For this you will also need a passport, contract number or Bank card and a code word that was invented when filling out an agreement with the bank. The operator will verify the information and the system will generate a new login or password for you.

Using the received login and password, you can easily log in to Internet banking. When you log in for the first time, you can change the received password to a more memorable one.

How to recover your account password

If the client has forgotten the password or login, restore it on the login page. Clients who have forgotten their login or password can recover them on the Personal Account login page. At the bottom of the login form there is a link in small letters - get or restore your login and password.

You should follow this link and fill out the following recovery form, where you enter personal data, contract and card numbers, etc. An SMS with a one-time code will be sent to the phone number attached to the card or specified in the contract, after entering which the client will have access to the personal account .

However, if the client changes his phone number, he loses the ability to make transactions through his personal account, since he will not be able to confirm them with codes from SMS messages. Therefore, when you change your phone number, you should immediately come to the bank’s office and ask the bank manager about changing it in the contract. Or call 495785-82-22, prepare your passport and contract and resolve this issue with a technical specialist.

My loan

The login and functionality of your personal credit account is slightly different from online banking. To log into a regular account, you must enter your login and password. To enter the Credit Account you will need to enter your mobile phone number, your date of birth, the alphanumeric code from the picture and a one-time SMS code.

Unlike Internet banking, where you can make payments with transfers, open deposits and perform other actions, this functionality is not provided in the credit account. In it you can get comprehensive information about your loan, check receipts/write-offs on your account, view information about future payments (date and amount of write-off) and the loan balance. It is possible through credit office make another payment from any bank card.

Access to the credit account is obtained by a bank client who has issued a loan with Home Credit or received credit card. If the client has a debit or salary account with Home Credit and, at the same time, has taken out a loan, then he has the opportunity to access both accounts, the use of which is absolutely free for everyone.

Mobile bank

Almost all the functionality of your personal account is implemented in the mobile bank. This is a very convenient product for managing your finances. In a mobile bank you can perform the same operations as in a regular one:

• pay utilities, fines, state duties;
• transfer money to other bank accounts and to accounts of other banks;
• analyze your expenses.

You can download the mobile banking application on any device.

Using a personal account significantly facilitates a bank client’s work with the bank’s functionality, providing quick access to their funds from anywhere.