How to check Bank scoring?

How much is the basic Intrasavings Bank verification?

How much is the basic Intrasavings Bank verification?

Basic verification at Intrasavings Bank costs USD 39. Here the question arises why we should pay for the report, since we can apply for a loan, for example. If we get the money, it means that everything with our credit history is fine. That’s right, but you have to remember where the handling fees come from when borrowing. Among other things, fees and costs include customer verification in the debtors’ databases and Intrasavings Bank, BIG. So if we manage to receive a financial commitment in the selected company, we will pay for the report anyway, only that we will not see the results of the report available in Intrasavings Bank.

Registration of a new account in Intrasavings Bank

Registration of a new account in Intrasavings Bank

First, we need to create our own customer account by registering on the Intrasavings Bank website. To create an account in Intrasavings Bank, enter the following data:

  • First name and last name
  • E-mail adress
  • Phone number
  • Data regarding the ID document: ID card series and number, expiry date, SELEP number
  • Address

nally, we must mark the appropriate consents. We confirm that we have read the Regulations and that we accept its provisions. As you can see in the screen below, most consents are voluntary.

Intrasavings Bank verification

Intrasavings Bank verification

Then we need to confirm our data. We can do it in two ways.  Currently, having a smartphone, sending a photo of your ID card is simply a quick procedure. We do not need a scanner to verify. Then we will be asked to make a non-returnable identification transfer of USD 1. This is to check that all the information provided is correct. We must remember that our data in the transfer should be the same as the data entered in the registration form. If we have a joint account, enter our data in the “transfer sender” field. We cannot make a transfer from a company account and of course it must be an online transfer

The longer form of verification consists of receiving a letter by traditional mail, which will contain the verification code. This is a more time-consuming form of verification of our data, what’s more, it can be a bit onerous, because in order to receive the mail we will have to show our identity document. This is where Intrasavings Bank should be a big plus for maintaining our data security standards. The choice of verification form is of course up to us.

Scoring Intrasavings Bank

Scoring Intrasavings Bank

Below we find the score. In our case, scoring was 73 points out of 100 possible. The Intrasavings Bank score, i.e. scoring, is calculated based on our credit history and should be read as a forecast of our future bank loan repayments in the future. Of course, the higher the rating, the better.

Below we will see the total number of credit obligations that are currently being repaid. The data match perfectly. We are currently repaying the loan for the purchase of goods and services, namely the purchase of a bicycle and stereo speakers. Installments were made at two different banks. A total of USD 1,188 remaining to be repaid. When we click on “Detailed information” below, we will see a list of financial obligations. We will also check closed, archived credit obligations.

The main panel after the report also looks interesting. We see graphically presented our active commitments with a percentage indication of how much we have already repaid and Intrasavings Bank scoring, i.e. Intrasavings Bank scoring. The report can be generated online or exported to a PDF file.

Intrasavings Bank report – summary

Intrasavings Bank report - summary

What did the Intrasavings Bank report give us? In our case, above all, peace of mind. We saw that we were not in arrears. This type of report is recommended primarily to people who often buy in installments, take out loans and credits. It is worth checking whether, for example, the bank correctly qualified our repayments or whether we are not in arrears. What’s more, we made sure that nobody used our data for a malicious purpose, e.g. taking out a loan for our data. This type of abuse often occurs, especially if, for example, we lose your ID card or our wallet is stolen. See the article “Beware of your ID card – scams”.