Probably the worst bank. Two years ago, I closed a credit card that they themselves opened when I received the loan, and they still send me letters and spam texts. They justify this by saying that there are 7 rubles left in my account, and therefore it is not fully closed. The only way to withdraw those 7 rubles is to transfer them to an account in their bank; if I transfer to another bank, the fee will be 100 rubles. I do not recommend dealing with this bank to anyone.