Refinancing at T-Bank

At T-Bank, as in any other bank, early loan repayment is possible. To close refinancing ahead of the term specified in the loan agreement, you need to pay off the principal debt and interest accrued during the period of using the money.

To make an early payment, you must notify the credit organization of your intention in advance. Otherwise, T-Bank will debit only the monthly amount from the card towards the debt.

A penalty is provided at T-Bank for late monthly payments. Its amount is 0.1% of the overdue debt amount. In addition to the fine, the borrower will also need to pay interest accrued for the actual period of using the borrowed funds.

T-Bank has few requirements for borrowers. To apply for refinancing here, you must meet the following criteria:

• have citizenship of the Russian Federation;
• have permanent or temporary registration in Russia;
• be between 18 and 70 years old.

Regarding documents, only a passport of a citizen of the Russian Federation is required to apply for refinancing. If necessary, the lender may also request certificates confirming income and place of work. 

The bank requests information about existing consumer loans, car loans, credit cards, and microloans independently.

T-Bank credits borrowed funds to its own debit card. If you don't have one, the credit organization will automatically issue a "Black" card and deliver it by courier to your home or any other convenient address. 

You will need to pay off debts to other creditors yourself. But the lender will check compliance with the refinancing terms.

Repayment of the loan debt occurs by automatic debiting of the necessary amount from the bank card to which the funds were credited. And you can top up the card in any convenient way:

• at ATMs of T-Bank, partner banks, and third-party credit organizations;
• by transfer between your own accounts;
• by transfer from cards of other banks.

Abbreviated name: JSC "TBank"

Tax ID (INN): 7710140679

BIC: 7710140679

KPP (TAX REGISTRATION REASON CODE): 771301001

CURRENT ACCOUNT: 30232810100000000004

CORRESPONDENT ACCOUNT: 30101810145250000974

OGRN (PRIMARY STATE REGISTRATION NUMBER): 1027739642281