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Credit Europe BankT-Bank
Tinkoff is an online ecosystem based on financial and lifestyle services
Best bank offers
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 0 %
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Max. amount5 000 000 ₽
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Min. amount50 000 ₽
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Rate, %18.9%
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Loan termfrom 5 years
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 15 %
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Limit2 000 000 ₽
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0% interest55 days
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Cashback10%
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Ratefrom 12 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback10%
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Ratefrom 14 %
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Limit2 000 000 ₽
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0% interest55 days
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Cashback10%
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Ratefrom 12 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 15 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 12 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback20%
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Ratefrom 15 %
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Max. amount30 000 000 ₽
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Min. amount200 000 ₽
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Rate, %15,9%
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Loan termfrom 15 years
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Max. amount5 000 000 ₽
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Min. amount50 000 ₽
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Rate, %15.9%
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Loan termfrom 15 years
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Max. amount7 000 000 ₽
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Min. amount100 000 ₽
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Rate, %18,9%
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Loan termfrom 7 years
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No-fee cash withdrawalsUp to 20,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 5 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 0 %
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Cashback typeRUB
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 0 %
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Cashback typeMiles
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 5 %
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Cashback typeRUB
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 5 %
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Cashback typeRUB
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 5 %
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Cashback typeRUB
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 5 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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No-fee cash withdrawalsUp to 100,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 30 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 15 %
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Limit1 000 000 ₽
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0% interest120 days
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Cashback30%
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Ratefrom 12 %
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Limit1 000 000 ₽
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0% interest55 days
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Cashback30%
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Ratefrom 15 %
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Max. amount8 000 000 ₽
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Min. amount100 000 ₽
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Rate, %15,9%
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Loan termfrom 5 years
Archived bank offers
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Limit700 000 ₽
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0% interestup to 100 days
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Cashback10%
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Ratefrom 15 %
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Limit300 000 ₽
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0% interestup to 100 days
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Cashback10%
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Ratefrom 29.9 %
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No-fee cash withdrawalsUp to 150,000 RUB
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Interest on balanceUp to 4 %
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Cashback typePoints
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Cashbackup to 20 %
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No-fee cash withdrawalsUp to 500,000 RUB
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Interest on balanceUp to 0 %
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Cashback typePoints
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Cashbackup to 5 %
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Limit1 000 000 ₽
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0% interestup to 100 days
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Cashback10%
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Ratefrom 29.9 %
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Limit300 000 ₽
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0% interestAny
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Cashback10%
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Ratefrom 29.9 %
About the bank
In 2006, entrepreneur Oleg Tinkov laid the foundation for the Tinkoff Credit Systems banking group. According to him, he was inspired by the service model of several large American banks focused on remote issuance of credit and debit cards. After analyzing the market, Tinkov decided that a similar banking service model could be implemented in Russia as well.
To obtain a banking license, Tinkov acquired a small bank, Himmashbank, and subsequently invested funds in developing his concept and began creating proprietary products.
At the beginning of its operations, Tinkoff Credit Systems focused primarily on issuing loans, but over time it also began offering debit cards to customers. Immediately thereafter, TCS was renamed Tinkoff Bank.
Today, Tinkoff is no longer a standard lending institution—it can now be described as a full-fledged digital ecosystem that provides mobile communications, brokerage services, insurance, and much more.
Today, 58.4% of the credit institution's shares are in free float. Another 35.1% are held by Interros. The remaining 6.5% are distributed among the organization's management.
Today, the company provides not only banking services, but many others as well, such as mobile communications, insurance, brokerage services, and so on. The company's most popular products are: debit cards, credit cards, loans, savings accounts, deposits, and insurance.
Debit cards
The following debit cards are available to the company's customers:
- “Tinkoff Black”;
- “Tinkoff Black Premium”;
- Tinkoff Junior;
- “ALL Airlines”;
- “ALL Airlines Premium”;
- “Tinkoff Drive”;
- “ALL Games”;
- “S7 — Tinkoff”;
- “S7 — Tinkoff Premium”;
- LUKOIL — Tinkoff;
- Mir Tankov;
- “Tanks Blitz”;
- Mir Korabley;
- MIPT Alumni Union debit card;
- MIPT Alumni Union Premium debit card;
- “AliExpress”;
- “Lamoda”;
- Magnit.
Credit cards
Among credit cards, the following are available:
- “Tinkoff Platinum”;
- “ALL Airlines”;
- “ALL Airlines Premium”;
- “Tinkoff Drive”;
- “ALL Games”;
- “S7 — Tinkoff”;
- “S7 — Tinkoff Premium”;
- “AliExpress”;
- “Lamoda”;
- Magnit.
Lending
Current lending programs include:
- cash loan;
- loan secured by real estate;
- auto loan;
- refinancing of loans from other banks;
- mortgage;
- loan secured by a car.
Deposits and savings accounts
To save their own funds, customers have access to:
- SmartVklad deposit;
- deposit with top-up and withdrawal options;
- RUB deposit;
- deposit for senior citizens;
- yuan deposit;
- savings account.
Insurance
Among insurance programs, the company offers:
- Electronic CTP;
- CASCO;
- Travel insurance;
- “Mortgage insurance”;
- “Apartment insurance”;
- “Accident insurance”.
Other services
In addition to core banking services, the ecosystem offers:
- the “Travel” service with the option to purchase train and plane tickets, tours, and book hotels;
- mobile communications;
- brokerage services;
- the “City” service.
Bank advantages:
- Remote servicing. The financial institution provides the ability to manage your accounts and products, as well as receive services via a mobile app or internet banking. This allows clients to control their finances and access their funds at any time from anywhere in the world.
- A wide range of products and services. The bank offers not only standard banking services, such as loans, deposits, debit and credit cards, but also other services, for example, insurance, mobile communications, and brokerage services.
- Modern technologies. The credit institution actively uses modern technologies to improve the quality of customer service. For instance, the mobile app features a “Chat-bot” function that allows clients to quickly get answers to their questions.
- Individual approach. The company strives to take into account the needs of each client and offers various products and services that can satisfy them.
- Reliability. The bank is part of the “Tinkoff” financial group, which has significant experience in the financial market and has established itself as a reliable partner.
- Quick product processing. Applying for a loan, credit card, or debit card at Tinkoff Bank takes a minimum of time, as all documents can be processed online and the card can be delivered to your home.
Bank addresses in your city
News and articles about the bank
Reviews of the bank's products
All
Hello! I recently got a LUKOIL credit card from Tinkoff. Overall, my impressions are mostly positive. I liked the loyalty program: you accumulate points and then exchange them for fuel. Convenient. My credit limit is not very large, but more than sufficient for my needs. All cashless payments go through quickly, and I haven't noticed any failures. I was very pleased with the cashback at LUKOIL gas stations, which results in decent savings. The application was reviewed quickly, and the card was delivered on time. As for the interest rates, well, they are like anywhere else, but if you pay on time, it's fine. Online banking is also in order; the balance and statements are always at hand. However, the card's validity period seemed a bit short to me, only 2 years. Overall, I recommend it.
I applied for a card at T-Bank, everything was processed quickly and without unnecessary questions. Auto-payments are very convenient, no need to worry about bills. Credit history has improved thanks to timely payments. Customer service is top-notch; they always help and explain. Refunds are also processed without delay. The bonus program is pleasing: I accumulate points and exchange them for gifts. Card-to-card transfers are instantaneous. The credit limit is satisfying, and the cashback is simply super!
Hello! I am sharing my impressions of the All Airlines credit card from T-Bank. I applied online, and the review time was reasonable. I liked the quick response and the credit limit I was offered, even though my credit history is not ideal. Making card-to-card transfers is convenient. I repaid the loan on time, everything was fine, with no issues returning the funds. I like the auto-payments; there is no need to worry about bill payment deadlines. Interest rates are slightly higher than in other banks, but cashback and loyalty programs compensate for this. Online banking is very convenient, and I am always aware of my balance and card statements. The only thing I didn't like was the card limits; I would like them to be higher. Otherwise, I am satisfied with the service, and cashless payments go through without problems. The card's validity period suits me. I recommend it!
I got the card for shopping on Ali, everything seemed fine. The application processing time is simply ideal, a little over a week and the card was in my hands. But problems with card maintenance started; any balance operation via online banking became a real pain. Statements arrive with a delay, and sometimes I have to call support to clarify information. The maintenance fees are acceptable, but the cashback leaves much to be desired. Plus, the card validity period is only 2 years, which is a bit short.
Hello everyone! Got a card at Tinkoff. The application was reviewed quickly, the card arrived even ahead of schedule. Online banking is very convenient, everything is clear, balance and statements are always at hand. Card-to-card transfers are instant. No commissions, money doesn't get eaten up. There is cashback, plus interest on the balance is accrued. Service is top-notch, no issues with refunds. Recommended!
I used the AliExpress debit card. What can I say, customer service is top-notch, everything is fast and clear. I submitted the application, it was reviewed quickly, and the card was sent right away. Online banking is user-friendly and clear. The card validity period is quite long, which is a plus. The fees are not exorbitant, quite tolerable. Card maintenance is also fine. But the cashback is a different story, it's just out of this world! Overall, I'm satisfied.
With this card, my finances started working for me! The interest rates are comfortable for me, no hidden fees. Cashback on purchases is simply a lifesaver for the family budget! Instant card-to-card transfers, no issues with balance and statements. Customer service is top-notch, everything is friendly and fast. The card's validity period allows you not to worry and forget about it for a long time. Overall, I really like it! Thank you, Tinkoff!
I have been using a T-Bank card for a long time, I got it for cashless payments, but I use all the benefits. The loyalty program is super, I constantly get cashback, it's very convenient to pay with auto-payments, and track the balance and statements via online banking. I like the card maintenance, the validity period is as long as 3 years. I make card-to-card transfers without problems, the credit limit suits me. The card limits are normal, interest rates too. Most importantly, it has a good effect on my credit history. Getting the card took a little time, but it was worth it. Their service is simply top-notch!
I used the Tinkoff Platinum installment card to buy a new washing machine. The process was quick and easy. I liked the option of interest-free installment payments. The bank always reminds you of payment deadlines, which is very convenient. Service is top-notch!
I took out a property-backed loan at T-Bank to start my business. Everything went smoothly and quickly, without unnecessary questions. The terms are reasonable, I recommend it!
I took out a property-backed loan at T-Bank. I can't say everything went smoothly; I had to wait over a week for the application to be approved, even though they promised 3 days. The loan terms are clear and transparent. I have no complaints about the loan terms either, they suited me. However, they valued the collateral below market value, which I didn't like. Overall, a 3/5 rating.
Hello everyone! I took out a loan secured by an apartment with T-Bank. The loan term is up to 10 years, with a limit of up to 15 million. The process was simple, and all the terms were explained right away. Approval took 3 days. So far, everything is fine!
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