Tinkoff Bank is one of the most advanced banking institutions that operate on the territory of the Russian Federation. He positions himself as a new generation bank.
And, most surprisingly, to work fully with more than 4 million customers is obtained even without branches. How so? All operations are carried out via the Internet or using a mobile phone.
Features of the services provided
Most of the features appear due to the lack of familiar departments where you can come and get advice or carry out a financial transaction.
For example, for those people who do not like to stand in line, this bank will be just like. The Tinkoff deposit of the bank can be opened and closed without waiting for its turn in the crowd of customers. It is enough to fill out an application and replenish the account.
Also, due to the absence of the need to pay a large number of financial consultants, to build or rent buildings, offices, it is possible to offer services at prices that are slightly lower than those of competing banks.
Let's get acquainted in more detail with the financial products that this organization offers.
Tinkoff Bank deposit: increase or accumulate equity
The organization provides an opportunity to deposit rubles, dollars or euros into a deposit account. Depending on the terms, the Tinkoff deposit of the bank can bring its owner from 11 to 12.5 percent per annum if the account is opened in rubles. Euros and dollars will earn no more than 2% per annum.
There are two ways to get interest:
payment to the card;
capitalization.
The second method allows you to earn even more, since the size of the contribution will constantly grow.
If you replenish the Tinkoff deposit of the bank by wire transfer from the card, you will additionally be credited with 1% of the recharge amount. Thanks to this bonus, deposit conditions are even more attractive.
Tinkoff Bank: credit on the card in a few minutes
Unlike other financial institutions, Tinkoff only grants loans through credit cards. This is not surprising, given the lack of full-fledged banking branches.
The most popular credit cards are Tinkoff Platinum and Allairlines.
The first of them may have a credit limit of up to 300 thousand rubles. For registration do not need any income statements or guarantors. If you manage to return the funds before the expiration of 55 days from the date of the expense transaction, then the loan will not need to be paid. In other cases, you need to pay for used funds up to 8% monthly.
The second is intended for lovers of traveling around the world. In addition to various bonuses that customers receive for payments with a card, Allairlines has a credit limit with a maximum size of 700 thousand rubles.
The grace period is the same as the previous card. Bonus is the availability of free travel insurance, which is valid all over the world.
You can get a credit on the card at Tinkoff Bank without leaving your home, as free home delivery is offered.
Looking for ATMs?
The presence of a large ATM network is one of the main conditions when choosing an institution to open a card account.
Do you know where the Tinkoff Bank ATMs are? You do not need to look for them! According to the conditions and tariffs of any of the organization’s cards, cash withdrawals are carried out without fees at any ATM in the world, subject to a minimum limit of 3 thousand rubles.
It is convenient to monitor all financial transactions that occur on your accounts through mobile banking.
Maintenance and service assistance to customers is provided via the Internet or telephone. But still, if you want to talk with representatives of Tinkoff Bank, the address of the head office is as follows: Moscow, Volokolamskiy proezd, 10, p. 1.
Insurance services
Also, the bank will help insure both life and property. For drivers with various length of service, the organization offers insurance policies for motor third party liability insurance and comprehensive insurance. They can be issued in less than 5 minutes. The site allows you to calculate the cost of the contract using a special calculator.
For those who prefer outdoor activities, Tinkoff can offer medical insurance for a tourist trip. For registration, it is enough to fill out passport data, pay the cost with a card and get a policy.
In addition, clients can take care of their loved ones by issuing relatives or life insurance policies.
And for those who want to receive financial assistance in the event that an unforeseen situation happens with an apartment or a house, the site has the opportunity to conclude a home insurance contract online.
Such a service is in high demand among those people who do not want to be in a difficult situation due to sloppy neighbors. For example, think about how unpleasant it will be when you make an expensive repair and people who live above us flood you.
As you can see, Tinkoff is really a modern and convenient bank, which is nice to work with.