Reviews about Tinkoff Bank: customer opinions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Bank "Tinkoff" is original primarily because it does not have offices and branches: all activities are carried out via the Internet. At the same time, it is an official legal entity that has been successfully operating in the Russian financial market for a long time. In this regard, you can trust the company, despite the fact that it is a kind of virtual one. Yes, and the reviews about Tinkoff Bank from many customers are so good that it’s even somehow strange not to trust the company … But sometimes there are completely opposite, angry and indignant ones. They are also not so few. Who to believe? In order to understand this, you need to understand the essence of the claims.

Why do people like Tinkoff Bank? Reasoning of supporters

The bank is dearly loved by many customers, especially those who received a loan there. Most often, these are two types of borrowers. The first are those who have calculated everything in advance, agreed to receive a card on the stated conditions and are calm about them. The second are those who, on the contrary, do not like to count or do not know how at all. The main thing is to get a loan, and they don't care how and how many years to pay.

Those whose reviews of Tinkoff Bank are extremely positive are guided bythe following factors:

- ease of obtaining a card - in the sense that approval is much easier to achieve than in many other organizations;

- 55 days without interest;

- small minimum payment;

- the ability to take money again and again;

- unobtrusiveness of the bank (as long as payments are made on time or even in advance).

Depositors are also satisfied: today the company has proven itself well, is considered reliable and regularly pays interest, which is quite high by today's standards.

In the light of all of the above, reviews of Tinkoff Bank can be positive, and there is nothing strange in this even for those who do not share the opinion of its admirers at all. But probably not everything is so smooth, since there are so many dissatisfied people? Are there any downsides?

Probably everyone knows that there are also bad reviews about Tinkoff Bank. Everyone is interested in what it is connected with. It must be said that claims regarding insurance, deposits and debit cards are extremely rare, they are even difficult to find. The main part falls on loans, in this case cards. Here are a few examples that are most common and how each one is objective.

The client receives a credit card, spends money from it, and soon discovers that clearly more than the promised percentage is withdrawn from his account every month. The usual rate is 36%, but in reality it comes out to be about 48% and even a little more. Here you need to understand that the reason is money forinsurance. There is also an SMS banking fee. That is why the amount is increasing. All such write-offs are in the table, which can be viewed on the website.

Of course it hurts. But it was written in advance. Moreover, this is normal for most banks, and Tinkoff at least provides an extract. From it you can understand where the money has gone, and you do not need to order it specially.

But how is the bank really sinful? What negative customer reviews about Tinkoff Bank can be considered objective?

1. Instead of the promised "5 minutes to consider the application" the borrower receives … up to a month. Often a call from the bank comes when no one even thinks to wait for it.
2. After that, you can wait more than one week for the courier to have a free hour to deliver the card.
3. 55 days are automatically canceled if you withdraw cash (almost all banks do this). Even the contract will not warn about this.
4. Calls to make a payment may come up to a week before the due date.

The conclusion is simple: in order not to subsequently write bad reviews about Tinkoff-Bank, you should carefully consider the contract, the numbers, and also take into account what is written in the list above. Are you ready for this? It suits you? If not, then find another offer. If yes, take a card and be aware of the shortcomings.