T-Bank Dolyami

"T-Bank Dolyami" — what is it

Relatively recently, T-Bank launched "Dolyami", a new service for Russia. With it, you can make a purchase now by paying only 25% of its cost, and pay the remaining amount in equal installments over six weeks.

This payment principle is very similar to a loan or installment plan. The only difference is that you do not have to sign a credit agreement with the bank. In addition, T-Bank will not charge interest on the debt amount (subject to timely payments), so you will purchase the goods at their original cost, that is, without overpayment.

How the service works

When paying for a purchase, you deposit the first 25% of the cost of the goods. The remaining amount will be automatically debited from your card in three equal payments every two weeks from the moment of the first payment. For example, if you make a purchase on January 16, you will need to make the first payment immediately, the second on January 30, the third on February 13, and the fourth and final payment on February 27. Thus, the total installment period will be 42 days.

The bank does not set interest on the cost of the goods. That is, if you make payments on time, there will be no overpayment for the purchase. For late payment, T-Bank will charge 0.1% of the total debt for each day of delay.

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How to pay for a purchase with "Dolyami"

To pay for a purchase with "Dolyami", follow these instructions:

1. Go to the "Stores" section on the official website of the service and select the one you are interested in.
2. Go to the partner's website.
3. Add the desired item to the cart and proceed to checkout.
4. Fill out the application. When choosing a payment method, specify "DOLYAMI from T-Bank".
5. Enter your bank card details and pay the first 25% of the cost of the goods.

Note.

You can view the payment schedule in the mobile application "Dolyami". To do this, you will need to log into the service using the same phone number that you left when making the purchase.

Advantages and disadvantages of the service

Let's start with the advantages of the service:

1. "Dolyami"'s main advantage is that you can pay for a purchase in installments without signing a credit agreement. The bank will not check your solvency and credit history. "Dolyami" is a great opportunity to get an installment plan for a product if you have a high debt load or debt on current loans.
2. The second advantage is the absence of interest and hidden fees. You don't need to pay a fee to use the service or overpay an interest rate. You can buy the product at the exact price it is presented in the online store.
3. You can return the item within 14 days of purchase if it turns out to be defective. The bank, in turn, will fully refund all the money you paid.

Now let's move on to the disadvantages:

1. Despite the fact that the service is developing rapidly, the number of partners is currently quite limited. You can view the full list of partner stores via the link: https://dolyame.ru/shops/.
2. You can only pay for a purchase with Dolyami if you make it online. That means if you selected an item in a retail store, you will have to pay 100% of the purchase price or use a credit card.
3. In case of default, the bank may demand early repayment of the debt.

Answering questions

Answering the most frequently asked questions on the topic.

Do I need to pay a fee for using the service?

No, the Dolyami service is completely free for the buyer. You do not need to pay a subscription fee, commission, or interest for the purchase.

Can I pay for a purchase with Dolyami if I have a bad credit history?

Yes, the bank does not check users' credit history. You can pay for a purchase with Dolyami if you are an adult citizen of the Russian Federation.

How will I have to make payments?

The bank will automatically debit the money from the card you used to pay for the initial purchase. If there are insufficient funds in the account for the debit, the bank will send a notification that you need to top up the card within the next two days.

Can I change the payment card?

Yes, you can do this in the Dolyami mobile app. To do this, go to the "Payment method" section and enter the details of the new bank card.

Can I repay the debt ahead of schedule?

Yes, you can also do this in the Dolyami mobile app.

What should I do if the payment does not go through?

First of all, make sure that you have enough money in your account to pay for the purchase. If it is not a matter of insufficient funds, contact technical support via the official Dolyami website or mobile app.

How do I process a product return?

Contact the store where you bought the product. Fill out a purchase return application. The bank will return your money as soon as it receives notification from the store. The money will be credited to your account within 14 days from the date of the return.