T-Card

Manage your budget and cards in a digital bank: pay utility bills, traffic fines, and government services commission-free, make SBP transfers, open deposits, and invest.
✅ Cards and Deposits
The Black debit card (Tinkoff Black) is available in two versions: a physical MIR card and a virtual card. Enjoy contactless payments via card or smartphone, and earn cashback in rubles on purchases. Need extra funds? Get the Platinum credit card (Tinkoff Platinum) with a credit limit of up to 1,000,000 RUB.
Deposits and savings accounts help you save for important goals and earn returns on your savings.
✅ Investments
A brokerage account (Tinkoff Investments) gives access to shares of Russian companies and ready-made investment strategies from analysts. Start investing from just 10 RUB.
✅ Insurance (Tinkoff Insurance)
Purchase compulsory (OSAGO) and comprehensive (KASKO) car insurance, as well as property insurance, without queues or unnecessary paperwork.
✅ Cashback
Each month, bank customers choose 4 categories for boosted cashback of up to 15%. The program includes over 100 offers from well-known brands with cashback up to 30%, plus a daily "Cashback of the Day" feature highlighting the best deal available.
Receive up to 30% cashback on movie tickets, food delivery, fuel, and other popular spending categories.
✅ Benefits
Pay in installments or on interest-free credit without overpayments.
Tinkoff Pro subscription and Tinkoff Premium service increase your savings and benefits.
✅ Payments and Budgeting
Pay utility bills, taxes, and fines with zero commission. The smart camera speeds up transfers and bill payments by instantly recognizing card numbers, payment slips, QR codes, and handwritten phone numbers.
The "Home" and "Auto" sections consolidate related expenses and include market value estimates for your apartment and car.
Customize transaction categories manually or use the FinZdorovye (FinHealth) service, which calculates your overall e-wallet balance, displays your credit score, and offers personalized financial advice.
Use the savings jar and the "Letter to Myself" feature to get reminders before spending money from your savings.
Hide your balances simply by turning your phone face down in public.
✅ Fraud Protection
"Protect or Refund" detects fraud attempts during phone calls with over 99% accuracy. If money is still stolen, the bank will return it.
"Family Protection" helps safeguard your family's finances: transfers and loans require the account holder’s approval.
This partner service provides information about financial products from T-Bank (also known as T-Bank, T Bank, Tinkoff, Tinkoff Bank, Tinkoff, or Tinkoff Bank) and allows you to submit applications without visiting an office. Previously known as Tinkoff, Tinkoff Bank, Tinkoff, or Tinkoff Bank.