Tinkoff Bank: partners and features of cooperation

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

The activity of "Tinkoff Bank" originates in 1994, when there was a certain bank, referred to as "Khimmashbank". In 2006, it was bought out by businessman Oleg Tinkov, after which Himmashbank changed its legal name to CJSC Tinkoff Credit Systems Bank. Subsequently, the bank was renamed again, becoming the owner of the owner's name - "Tinkoff Bank".

Features are the complete absence of bank branches - the service takes place remotely through online channels and a call center. Delivery of cards is carried out by representatives of the bank, whose number is more than one and a half thousand - the network covers almost the entire territory of the Russian Federation, which allows you to receive a card the very next day after registration.

Services of Tinkoff Bank

The main activity of this financial institution is the issuance of interest-free credit cards for a maximum amount equal to three hundred thousand with a chance of receiving an individual limit of two million rubles. In addition, the bank issues debit cards, which provide a refund of 1% to 30% for categories and Tinkoff partners, as well as deposits of individualsindividuals, mortgages, business settlement accounts.

Replenishment through Tinkoff Bank partners

Today, there are a fairly large number of Tinkoff partners among banks and financial organizations through which you can replenish debit and credit cards. For example, the Russian Post, which has branches throughout the country; Contact payment system (payment acceptance points are also located almost throughout the country); Golden Crown, Euroset, MTS, Svyaznoy, as well as numerous payment terminals Eleksnet, CyberPlat, Europlat, which can be found at railway stations, grocery stores, and other public places.

To transfer funds, it is enough to know the number of the agreement or card. Passport authorization is not required at the terminals, however, in communication stores or post offices, employees will require a Russian citizen's passport for any amount.

Top up via bank transfer

In addition to Tinkoff's non-banking partners, the card can be replenished with an ordinary transfer from a current account in the bank itself. In this case, the commission will be 0%, or from any other bank, where the commission is determined by the first party of the transfer. In addition, bank transfers on a current account to absolutely any banks are free.

The same thing happens if the Tinkoff card is replenished from the card of another bank: a commission from the bank that issued the card, from where the funds will be withdrawn. For this, the bank has a special service where you canperform this operation.

Banks cooperating with Tinkoff Bank

In addition to payment systems, as well as companies providing communication services, Tinkoff's partners are also commercial banks that allow you to use their ATMs to replenish, as well as withdraw funds from a Tinkoff Bank card.

The following large partner companies of Tinkoff Bank in Moscow can be distinguished, which carry out replenishment and withdrawal of funds:

1. BINBANK. Only bank ATMs are used, the maximum amount of replenishment per month is 599 thousand rubles, the maximum amount of payment is 35 thousand rubles. Cash desks of branches do not replenish cards.
2. Moscow Credit Bank. The maximum amount of replenishment, depending on the type of card, is from 80 to 100 thousand rubles per day; card replenishment is not carried out in branches.
3. PSKB. An innovative bank for business development that also accepts payments, but the maximum payment amount at a time is 15 thousand rubles and only Tinkoff Bank credit cards are replenished.
4. MOSOBLBANK. Similar to the previous Tinkoff partner, transactions are carried out according to similar limits and also only with credit cards.

It is also worth noting that Tinkoff's partners are also banks that provide mortgages for bank customers, namely DeltaCredit Bank, Gazprombank, Absolut Bank, UniCredit Bank, URALSIB Bank, "AK BARS Bank", "SMPBank, Metallinvest Bank, Housing Finance Bank, Vostochny Bank. All of them provided bank customers with a discount of up to 1.5% of the initial bank mortgage rate.

How can Tinkoff Bank return the money?

Once every 3 months, the bank allows you to select categories of goods, or rather MCC codes of bank terminals that accept payment. They will be returned at the end of each month in the amount of 5% of each purchase. Purchases must be made for the selected product groups, which are displayed in the user's personal account.

In addition, there is one more advantage - an additional cashback, which is offered for purchases made in partner stores of Tinkoff Bank. It can go up to 30%. However, in fact, this is the maximum percentage that the bank offers quite rarely. Most often, this figure can be 10-15%.

Tinkoff's partners include such well-known retailers as Ozone, Burger King, various taxi aggregators (Yandex, Gett), Svyaznoy, Lamoda, Mediamarket, Reebok and many more. Based on customer feedback, you can understand that within one year you can get a fairly large reward, which will cover both the cost of servicing the card and transfers between accounts.

Besides this, there are also co-branded cards that are offered to consumers. These are cards issued jointly with Tinkoff partners. For example, Ulmart, S7 Airlines, Mitsubishi.

Results

Are there absolutely no pitfalls for users? There are stones, and quite large ones.

First of all, this is the geography of the bank. No matter how popular the courier service is, Tinkoff Bank partners are more common in Moscow than in other regions. Customers complain about this to the bank itself, saying that they are thus limited in all privileges.

Second, the maximum amount of money returned. 6000 rubles, points, bonuses or other equivalent intended under the contract.

Thirdly, the lack of branches, the use of ATMs of partner banks may alienate new customers due to the extreme virtuality of the bank.

Fourthly, cashback categories are often underused. Gas stations, supermarkets, pharmacies - often these categories are not included in the updated monthly list of categories for the client.

Nevertheless, Tinkoff Bank remains one of the most progressive banks that does not have an actual location, however, all problematic issues of customers are resolved as soon as possible. The reliability of the bank is proved by the presence of a significant number of clients throughout Russia, amounting to millions of people.