The bank was registered in January 1994 as Khimmashbank.
In 2005, the financial institution became a member of the deposit insurance system, and in 2006 it was acquired by a well-known businessman Oleg Tinkov * and renamed Tinkoff CJSC. Credit Systems» (TKS Bank), and also reoriented to work with individuals.
In 2007, among the owners credit institution entered the international investment bank Goldman Sachs, in 2008 the Swedish investment fund Vostok Nafta joined it.
In mid-2012, the international direct investment fund Baring Vostok Private Equity Fund IV invested USD 50 million in the capital of TCS Bank during an additional issue. In October of the same year, the Horizon Capital fund (specialized in investments in companies with medium capitalization and high growth potential, headquartered in Kyiv) entered the capital of the financial organization. In less than five years, the value of TCS Bank has increased almost sevenfold.
In October 2013, the bank carried out an IPO, as a result of which about USD 1.09 billion was raised on the London Stock Exchange. In addition to a part of the existing package, investors were offered additionally issued shares of the bank. In the increased capital of TCS Bank, the share of Oleg Tinkov, which was 60.6% before the IPO, decreased to 50.9%.
In August 2014 at the United State Register legal entities an entry was made on the creation of a limited liability company "Phoenix". Phoenix LLC is a subsidiary of TCS Bank with a 51% stake in the latter. It was planned that this company will provide the bank with services for the collection of bad debts.
In March 2015, the financial institution changed its legal form and name to Tinkoff Bank JSC.
In June 2015 for Tinkoff Bank an antimonopoly case was initiated in the OFAS in St. Petersburg, which was subsequently transferred to central office FAS. In the summer of 2015, the bank's actions caused a wide public outcry, which was associated with a change in the bank's unilaterally conditions for SmartDeposit. The grounds were complaints from citizens regarding the bank's decision to unify the conditions for replenishing deposits opened from December 24, 2014 to April 30, 2015, as well as deposits for which the rate was increased due to changing market conditions. So, for all replenishment of these deposits, credited from July 1, 2015, the bank decided to apply a single rate, regardless of the term of the deposit: 13% for ruble and 4% for currency deposits. For comparison: earlier on SmartDeposit, the interest rate on additional contributions was charged at a fixed rate of 16% to 18% per annum, depending on the date of conclusion of the contract with the client. On October 26, 2015, the Antimonopoly Service recognized the actions of Tinkoff Bank as an act of unfair competition, since the bank attracted cash individuals in term replenished deposits with the subsequent deterioration of their consumer properties. Due to the fact that the identified violation was not eliminated by Tinkoff Bank in voluntary, the FAS commission issued a corresponding order to the bank. The credit institution was required to cancel the decision to reduce the interest rate charged from July 1, 2015 on the amount of additional contributions to replenished term deposits, under agreements executed in the period from December 24, 2014 to April 30, 2015 inclusive, and under deposit agreements, for which the interest rate was increased in the period from December 17, 2014 to April 30, 2015. The Federal Antimonopoly Service also ordered the bank to pay clients the lost income they received within 90 days from the date of receipt of the order. In addition, the Federal Antimonopoly Service imposed fines on Tinkoff Bank and its official in the amount of 300 thousand and 12 thousand rubles, respectively, for unfair competition in the deposit market ( administrative offense provided for by part 1 of Article 14.33 of the Code of Administrative Offenses), after which the decision and order of the FAS Russia were appealed by Tinkoff Bank to judicial order with the requirement of the bank to recognize the decision and order of the antimonopoly service as illegal. However, in the end, on June 1, the court ruled in favor of the FAS. As a result, Tinkoff Bank canceled the decision to reduce the interest rate on deposits, taken unilaterally. The rate has been reduced since July 1, 2015. This concerned replenishments under expensive deposit agreements concluded from late December 2014 to April 2015, when banks sharply increased the yield on deposits after the key rate jump to 17%.
As of October 1, 2019, the net assets of the credit institution amounted to 534.8 billion rubles, the volume of own funds - 91.8 billion rubles. According to the results of three quarters of 2019, the bank shows a profit of 22.2 billion rubles.
Branch network:
head office (Moscow);
2 additional offices.
Owners:
shares publicly traded on the London stock exchange(in the form of GDR), – 59.85%;
Oleg Tinkov - 40.15%.
Board of Directors: Oleg Tinkov (chairman), Oliver Hughes, Vadim Stasovsky, Sergey Pirogov, Svetlana Ustilovskaya.
Governing body: Oliver Hughes (Chairman), Ilya Pisemsky, Evgeny Ivashkevich, Stanislav Bliznyuk, Natalia Izyumova, Anatoly Makeshin, Valeria Pavlyukova.
* Oleg Tinkov (b. 1967) is a Russian entrepreneur, founder and former owner a chain of stores selling household appliances "Technoshock", a company for the production of fast food products "Daria", a brewing company and a chain of restaurants "Tinkoff". In 2000, Tinkov graduated from marketing courses at the University of Berkeley (California, USA). Since 2006 he has been developing the banking business.
Hello again everyone on the blog dedicated to finance, earnings and mlm. I continue the theme of plastic cards. And today we will talk about whether it is worth issuing Tinkoff Bank cards, and what benefits you will get from using them. So let's go!
Black And Platinum- couple of popular classic cards from numerous plastic products of Tinkoff Bank. It was they who first came out from under the pen of the banker Oleg Tinkov and for a long time remained the only ones in the line.
These cards have different purposes: Black is a Tinkoff debit card, Platinum is a credit card, but they are united by common advantages.
Bank Tinkoff– unique financial institution A: It works without physical branches. You can forget about searching for the nearest operator office, queues at the "window" and slow service - this is yesterday. You do not need to go to the bank to get a plastic card - the bank's representatives quite quickly arrive at the address indicated in the application.
"Debit" can be ordered on the website www.tinkoff.ru or by phone. Within 1-2 days, a bank representative will contact you to agree on a convenient time and place of delivery.
The process of obtaining a credit card is somewhat more complicated: you will first have to get approval, for which you answer a few questions and wait for a positive decision. If the bank is ready to provide you with a credit limit, all that remains is to meet with the courier, sign the contract and activate the received card.
Free issue and delivery of plastic cards is far from the only convenience of Tinkoff products. With the help of the best Internet bank in Russia, you can independently set limits, security parameters and make using the card as comfortable as possible:
Now let's look at the advantages of Tinkoff Bank's debit and credit cards in more detail.
Tinkoff Platinum- a credit card, which is issued without a visit to the bank, without certificates, collateral and surety. Its main advantages include:
A credit card is issued in rubles, but you can pay for purchases anywhere in the world. Tinkoff Bank offers one of the most favorable currency conversion rates. If you are traveling abroad, for security reasons, notify the bank about the trip.
The card is not only a means of payment, but also a convenient financial instrument helping you save and get additional income. What benefits does this card offer you:
In my opinion, the conditions for using the cards are quite attractive. If you dare to try and take advantage of Tinkoff cards, call the bank or spend 5 minutes filling out an application Online.
And I wish you all the best and see you soon!
P.S. For refinancing loans other banks, pay attention to the offer Ural Bank for Reconstruction and Development (UBRD) for the amount up to 1,000,000 rubles. at 13% per annum.
The bank also provides the possibility of issuing online applications on consumer credit with a rate of 11% for amounts up to 200,000 rubles. only by passport (with a certificate of income up to 1,500,000 rubles).
What are the features of withdrawing cash from a Tinkoff credit card? What is the interest rate on a Tinkoff credit card? What are the conditions for using the card at the Platinum tariff?
Credit cards are convenient, modern, and sometimes even profitable - when you buy in partner stores of the bank and cashback is returned to your account. Tinkoff credit card has all the advantages of modern banking products and a range of exclusive benefits.
I, Denis Kuderin, financial expert of HeatherBober magazine, will talk about these advantages and many other things today. You will learn in which situations it is worth using a credit card, and in which it is strongly recommended, and how to get credit Tinkoff card quickly and without problems.
We read the article in full - you will find an overview of the most popular cards of Tinkoff Bank, plus expert advice on the proper use of credit cards.
Modern credit cards, including Tinkoff bank cards, are becoming real alternative to traditional consumer loans. Banks issue credit cards (CC) in the millions, indicating an increasing demand for this product. Why are credit cards so popular?
There are several reasons. Cards really convenient and easy to pay wherever there are payment terminals- in clothing stores, household appliances, hypermarkets, hairdressers and cafes, online stores. And they also have Grace period .
Exactly grace period distinguishes a loan on a card from consumer loans. Grace period defines term of use of a credit card without interest.
This means that each client has the right to use bank assets and not pay a single ruble for it.
But on one condition: Ifhe repays the debt within the grace period. This period varies from 30 to 100 days for various banking products.
If the client did not have time to pay off the debt in full before a certain date, interest begins to drip. And on the card they are higher than on consumer loans in cash.
Next, the bank deals checking your candidacy. It is called credit scoring. It takes from several minutes to several hours. Would you like to know the status of an application? check the website or call.
The original documents will be checked by a representative of the bank when they bring the contract and the card to your house.
Need:
If you have already used the services and products of the bank and have, for example, a debit card, the procedure is simplified and other documents, except for a passport, may not be needed.
Conclusion of the contract - key moment process. Want to avoid unpleasant surprises read the agreement from the beginning paragraphs to the notes and the column "Special conditions".
What are the most important points:
If everything is clear and the conditions completely suit you, put your signature.
After that, you will receive plastic on your hands. The card remains inactive until you activate it. It's easy to do - enter the card number on the site or enter your personal account. During the activation process, you will receive a PIN code.
And also card must be signed- do it with a ballpoint pen on the back.
To quickly apply for a credit card, just click on the picture:
Use the card wisely - only in this case it will become useful and convenient product. Track the status of your account personal account or using mobile application. Avoid impulsive and unplanned purchases.
And be sure to balance your expenses with your income.
A few more helpful tips.
Electronic a plastic card- moderately durable thing, but you need to handle it with care. Damage the chip - the card will have to be changed.
It is best to carry the card in a lockable pocket separate from the purse. In most situations, credit cards are stolen along with the wallet. If you store them separately, the risks are reduced.
Attackers know how to catch the victim by surprise - they impersonate bank, police, and store employees. But even real (and not fake) employees are not supposed to know the PIN code. So - no one. Under no circumstances.
Handle the card with care, do not tell the PIN code to ANYONE!
And do not write down the PIN on paper. And don't write anywhere. It is better to restore access through the bank's technical support than to give the password to intruders.
Banks do not welcome cash withdrawals from credit cards. For such operations, as a rule, grace period does not apply, and the interest on them is decent.
Make it a rule - Do not withdraw cash from your credit card! Unless you have a special card for which such transactions are included in the grace period.
Other examples of operations that are not included in preferential terms service:
You need to know in advance about the existence of such restrictions.
Use the card to pay for any purchases in places where there are payment terminals - hypermarkets, restaurants, boutiques, pharmacies, railway and airports, online stores.
The universal rule for using credit cards: we buy a little on the card, we extinguish debts quickly.
In order not to be late with the payment of debts, you need to correctly calculate the grace period. For Tinkoff cards, the grace period is calculated based on the reporting period.
If you receive your monthly statement on the 1st, you will have 30 days to shop and 25 days to pay off your debts.
The limit for each client is set by the bank. The amount directly depends on the solvency of the borrower and his history individual relationships with a credit institution. If you are issuing a card for the first time and have never used the services of Tinkoff-Bank before, available credit will be minimal.
The limit increases automatically for customers who carefully repay debts and actively use the card.
Personal appeal of borrowers to the bank regarding the increase in limits for most types of Tinkoff cards is not provided.
On the trustworthy Internet resources Sravni.ru and Banki.ru you will find hundreds of reviews about credit products Tinkoff Bank. As you read them, remember that people are more willing to write about problematic situations. When things are going well, there is usually no desire to write a review.
The bank's activities Tinkoff Credit Systems
started relatively recently, namely in 2007. Over the past time, this financial institution has not only managed to acquire a huge number of customers in different cities (more than 2 million people), but also become one of the most popular banks in the CIS countries. The reason for this is high-quality customer service, as well as participation in the "Deposit Insurance" system, which guarantees the safety of money for each client of this bank, regardless of the situation.
To date, the number of new clients of this bank is increasing in arithmetic progression due to the most favorable conditions, both for the bank's depositors and for those people who plan to take a loan for various needs. To apply for "Tinkoff" the bank only needs to go to the site to fill in a few fields, indicating your phone number and other personal data. Immediately after sending your application, one of the managers will call you back and answer all your questions. By the way, today « Tinkoff bank»
allows you to apply for a credit card, get a mortgage, take out a consumer loan or open a deposit, as well as get a debit card directly online. Thus, everyone has access to the full range of services provided by the bank.
One of the features of the work Tinkoff Credit Systems is the possibility of obtaining credit card for up to 300 thousand rubles, and there is also the possibility of its expansion up to 2 million rubles. Such a card can be an excellent solution for those who urgently need money in in large numbers or it will simply be as an emergency reserve for various occasions.
Compared to many other banks, "Tinkoff" offers interest-free lending for a certain period. This a great opportunity for those who want to save money. But the interest rate in this bank is also low, which attracts a large number of customers. In addition, the bank Tinkoff Credit Systems
offers a unique solution - an individual tariff, which is selected based on the data you provide and allows you not to overpay extra money when taking a loan. Moreover, you can order a credit card from the age of 18 and get it completely free of charge with home delivery in any region. Russian Federation.
Likewise, the bank Tinkoff Credit Systems
allows you to increase your initial capital by opening deposit on the most favorable conditions. Terms for deposits range from 3 to 36 months with the possibility of replenishment and early closing of your deposit. Interest rates vary depending on the currency, but in any case, they are one of the most profitable among other banks. Besides interest on deposits Tinkoff Bank pays every month, which is very convenient for customers.
CJSC Tinkoff Credit Systems Bank (TKS Bank) is one of the modern large banks in Russia. Works in all regions of the country. Businessman Oleg Tinkov took control of the bank. The main services of Tinkoff Bank are deposits and credit cards. The peculiarity of the bank's work is remote work with clients using modern communication channels and through representatives.
Tinkoff Bank was founded in 1994 like Himmashbank.
Currently, Tinkoff Bank works in the deposit insurance system
, and also takes an active part in the international payment systems Mastercard and Visa, and has an SQ rating from rating agency Moody's.
In 2013 , Tinkoff Bank held its first public sale of shares, as a result of which about $1.09 billion was raised on the London Stock Exchange.
In its activity Tinkoff Bank is the beneficiary . In the increased capital of TCS Bank, the share of Oleg Tinkov, before the first public sale of shares, amounted to 60.6%, and decreased to 50.9%.
Currently, the bank's shareholder is large Cypriot company TCS Group Holding PLC.
Since 2007 , Tinkoff Bank works directly with individuals. Today, the bank issues credit and debit cards MasterCard systems. It should be noted that Tinkoff Bank issues debit cards for all TCS Bank depositors.
In the market of interbank loans Tinkoff is not active and occasionally acts as a net creditor.
At the end of 2012 net profit bank amounted to about 4.1 billion rubles (for 2011 - 2.2 billion). As of December 1, 2013, the bank earned 4.1 billion rubles.
Board of Directors: Oleg Tinkov (chairman), Oliver Hughes, Vadim Stasovsky, Sergey Pirogov, Svetlana Ustilovskaya.
Governing body: Oliver Hughes (Chairman), Dmitry Kobzar, Ilya Pisemsky, Evgeny Ivashkevich, Stanislav Bliznyuk, Natalia Izyumova, Anatoly Makeshin.
Deposits of Tinkoff Credit Systems bank
Tinkoff Bank offers deposits with profitable interest rates in rubles and foreign currency deposits individuals. All types of deposits can be opened at any branch of Tinkoff Bank or you can submit an application online.
Credit cards at Tinkoff Credit Systems Bank
Tinkoff there are many proposals for credit cards with different conditions. More details can be found on the official website of Tinkoff Bank
Tinkoff Platinum — MasterCard World (Russian ruble — 24,9%):
Corn— MasterCard Standard, MasterCard World(Russian ruble - 28.9%):
All Airlines - MasterCard World(Russian ruble - 23.9%):
eBay - MasterCard World(Russian ruble - 23.9%):
Kanobu- Visa Platinum (Russian ruble - 23.9%):
One Two Trip - MasterCard World(Russian ruble - 23.9%):
Afimall city — MasterCard World(Russian ruble - 23.9%):
