T-Bank Pro subscription: what is it?

Tinkoff Pro subscription: what is it?

Tinkoff Pro subscription is a paid service. By paying a monthly subscription fee, bank clients get even more value from using Tinkoff products. For example, this additional service allows you to reduce the annual maintenance fee on debit and credit cards, increase the yield on savings accounts and deposits, and get higher cashback benefits.

Benefits of Tinkoff Pro subscription for clients

As mentioned above, the Tinkoff Pro subscription allows you to get more value from using Tinkoff Bank products. Below are all the benefits of this additional service.

Maintenance cost

Maintenance cost	Without Tinkoff Pro subscription	With Tinkoff Pro subscription
Debit cards
Tinkoff Black, ALL Games, AliExpress, Lamoda, WWF, MIPT, Magnit, Yandex Pro	0 to 99 RUB per month	free of charge
S7 — Tinkoff, World of Tanks, World of Tanks Blitz, World of Warships	from 0 to 190 RUB per month	from 0 to 95 RUB per month
ALL Airlines, Tinkoff Drive	from 0 to 299 RUB per month	from 0 to 149.5 RUB per month
Credit cards
Tinkoff Platinum	590 RUB per year	free of charge
ALL Games, Tinkoff Drive, AliExpress, Lamoda, World of Tanks, World of Tanks Blitz, World of Warships, WWF, Magnit, Yandex Pro	990 RUB per year	495 RUB per year
ALL Airlines, S7 — Tinkoff	1890 RUB per year	945 RUB per year

Yield on card and savings accounts, deposits

Yield on card and savings accounts, deposits	Without Tinkoff Pro subscription	With Tinkoff Pro subscription
On Tinkoff Black card balance	up to 3% per annum	up to 6% per annum
On savings account for any debit card	up to 3% per annum	up to 6% per annum
On ruble deposit	up to 7% per annum	up to 8% per annum

Cashback accrual

Cashback accrual terms	Without Tinkoff Pro subscription	With Tinkoff Pro subscription
Cashback limit for purchases with Tinkoff Black card	3 thousand bonus rubles	5 thousand bonus rubles
Cashback limit for purchases with ALL Airlines, Tinkoff Platinum, ALL Games, Tinkoff Drive cards	6 thousand miles or bonus points	10 thousand miles or bonus points
Enhanced cashback categories for Tinkoff Black	4 out of 7 to choose from	4 out of 8 to choose from
Cashback for cinema, theater, and concert tickets in Tinkoff Services	5%	15%
Cashback for hotel bookings in Tinkoff Travel (ALL Airlines, S7 — Tinkoff — unchanged)	up to 7 %	up to 10 %
Cashback for ticket purchases in Tinkoff Travel (ALL Airlines, S7 — Tinkoff — unchanged)	up to 3 %	up to 5 %
Cashback for purchasing any insurance policy in Tinkoff Insurance (Tinkoff Drive — unchanged)	up to 2 %	5%

Additional bonuses

Additional bonuses	Without Tinkoff Pro subscription	With Tinkoff Pro subscription
Card transaction alerts	59 RUB per month	free of charge
Currency exchange: minimal spread with the market rate from Monday to Friday from 10:00 to 18:45 Moscow time	no	from 0.25 %
T-Bank Investments: special conditions for buying and selling securities of T-Bank and TCS Group Holding PLC on the Moscow and Saint Petersburg Exchanges.	with a transaction fee	without a transaction fee
T-Bank Mobile: free calls for tariff plans 2.0 and above	no	600 min
Partner subscriptions: special subscription terms for IVI and START video services	no	449 RUB per month
T-Bank Travel: commission-free ticket returns and exchanges	no	Yes
Card transfers: from all T-Bank debit cards to cards of other banks without commission	up to 20,000 RUB per month	up to 50,000 RUB per month

How to activate Tinkoff Pro subscription?

You can connect the "Tinkoff Pro" additional service in two ways: on the subscription page and in the T-Bank mobile app. In the first case, to activate the service, you will need to:

 

 

• go to the subscription page via link;
• click the "Try for free" button or scroll to the very bottom of the screen;
• select the required subscription;
• enter the phone number linked to your T-Bank card;
• click the "Subscribe" button.

You can subscribe to Tinkoff Pro in the mobile app as follows:

• log in to the T-Bank mobile app;
• on the main screen, go to the "Cashback and bonuses" section;
• select "More bonuses with Tinkoff Pro";
• select the "Tinkoff Pro" subscription;
• click the "Subscribe" button.

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How to cancel Tinkoff Pro subscription?

If you decide that the subscription benefits are not profitable enough for you or you simply cannot afford to spend extra money on an additional service, you can cancel it at any time. You can disable Tinkoff Pro in two ways: in your account on the official T-Bank website or in the mobile app.

In the first case, you can disable the additional service as follows:

• log in to your account on the official T-Bank website;
• in the upper right corner of the screen, click the grey icon with a checkmark;
• select the "Profile management" section;
• go to the "Subscriptions" tab;
• select the "Subscription settings" section.

You can cancel the subscription in the mobile app as follows:

• log in to the T-Bank mobile app;
• on the main screen, select the "Cashback and bonuses" section;
• scroll down to the "What Tinkoff Pro gives you" block;
• click the gear icon in the upper right corner of the screen.

Answering frequent questions

To conclude the article, we will answer the most frequently asked questions on the topic.

Who can buy the "Tinkoff Pro" subscription?

Any T-Bank client with a debit or credit card from the bank can purchase a paid subscription. If you do not have a card yet, you can apply for one on the company's website and activate the subscription at the same time.

How much does the "Tinkoff Pro" subscription cost?

One month of subscription costs 199 RUB. If you are subscribing to Tinkoff Pro for the first time, the bank offers the first month for free and only starts charging from the second month.

How to pay for the "Tinkoff Pro" subscription?

You do not need to pay for the subscription manually — the bank will automatically charge the fee for it every month.

How to renew the "Tinkoff Pro" subscription?

You do not need to renew the subscription manually — it will happen automatically until you cancel the service.

How to change the card used to pay for the subscription?

You can change the card for paying for Tinkoff Pro in your account on the official T-Bank website or in the mobile app. In the first case, to change the payment method, you need to:

• log in to your account on the official T-Bank website;
• in the upper right, click the grey button with a checkmark;
• select the "Profile management" section;
• go to the "Subscription" tab;
• select the "Subscription settings" section.

You can change the card in the mobile app as follows:

• log in to the T-Bank mobile app;
• on the main screen, select the "Cashback and bonuses" section;
• scroll down to the "What Tinkoff Pro gives you" block;
• click the gear icon in the upper right corner of the screen.

Is it possible to get a refund for the "Tinkoff Pro" subscription?

You cannot get a refund for an already paid active subscription. For the bank to stop charging for the service, you need to disable it using the method described above.