The policy of Tinkoff Bank differs significantly from the policy of many financial organizations. The company has no branches and conducts all operations remotely. This is why Tinkoff Internet banking has such a wide range of capabilities. Using the account is convenient: it is intuitive, and if necessary, the support service will come to the rescue.
Tinkoff Bank personal account for individuals
In 2021, the Tinkoff Bank online service received an award as the best Internet bank for individuals. Among the possibilities:
- filling out applications for debit and credit cards;
- management of cashback service by category;
- submitting applications for consumer loans and mortgages;
- repayment of obligations on schedule or ahead of schedule;
- replenishing accounts from cards of other banks;
- opening and closing deposits and current accounts;
- transfers between individuals;
- making payments for legal entities, utilities, fines and taxes;
- viewing the history of receipts and write-offs;
- preparing statements and certificates, viewing and printing details;
- contact with support via chat.
Tinkoff Mobile Tariffs: Set Up Yourself and Pay Only for What You Need
An important feature of Tinkoff Mobile is that it does not have tariff plans in the usual sense of the word.
Instead of fixed tariffs with an inconvenient set of minutes, megabytes and useless SMS, the mobile operator provides its customers with the opportunity to connect only those services that will actually be used. Through a convenient smartphone application, a Tinkoff Mobile subscriber can:
- select the number of minutes he will speak per month (0 minutes, 200, 400, 600, 1200 minutes and unlimited),
- select the amount of Internet traffic that he will use per month (0 GB, 2, 4, 8, 16 GB and unlimited),
- connect unlimited SMS,
- connect unlimited Internet for instant messengers, social networks, music and video services,
- set up favorable international roaming conditions for calls and internet
Customizing the service package (Tinkoff Mobile tariff) allows you to get calls and internet cheaper than other cellular operators. For clarity, the table below shows data on the cheapest tariffs of competitors.
| Operator and tariff | Calls, minutes | Internet, gigabytes | SMS | Price, rubles | Note |
| Tinkoff Mobile, var. 1 | 200 | 99 | SMS to Russian numbers 2.9 rubles | ||
| Tinkoff Mobile, var. 2 | 200 | 2 | 198 | SMS to Russian numbers 2.9 rubles | |
| Tinkoff Mobile, var. 3 | 200 | 2 | unlimited | 247 | |
| Tinkoff Mobile, var. 4 | 200 | 4 | unlimited | 307 | |
| MTS, SMART | 200 | 4 | 200 | 400 | |
| Beeline, EVERYTHING 1 | 200 | 5 | 300 | 400 | subscription fee 13.3 rubles per day |
| Megaphone, turn on! Write | 300 | 5 | 300 | 400 | instant messengers unlimited |
| Tele2, My conversation | 200 | 2 | 200 | SMS to Russian numbers 1.5-2.5 rubles |
Tinkoff Mobile, var. 199/500Tinkoff Mobile, var. 2198/500Tinkoff Mobile, var. 3247/500Tinkoff Mobile, var. 4307/500 MTS, SMART400/500 Beeline, EVERYTHING 1400/500 Megafon, Turn on! Write400/500Tele2, My conversation200/500TotalToday, Tinkoff Mobile tariffs have a competitive price, and if necessary, allow you to use communications or the Internet at a minimal cost, which is not available from other cellular operators. SET UP YOUR PERSONAL TINKOFF MOBILE TARIFF! Individual settings of the service package will allow you don't waste money on unnecessary things. In addition, you have the opportunity to adjust your “personal tariff plan” to specific needs: increase the amount of Internet traffic when leaving for the country, set a tariff of 0 minutes on your work phone if you go on vacation, etc. ATTENTION! Tinkoff Mobile tariff plans differ depending on the region of Russia. In addition, on July 25, 2021, the new Tariff Plan TM 2.0 came into effect. Details via the link or on the Tinkoff Mobile website.
Registration
Before entering your Tinkoff Bank personal online account, you need to register. There are two ways to create an account, namely:
- By card number. The 16-digit number indicated on the front side of the card is used as an identifier.
- By loan agreement number. Relevant for borrowers of targeted and non-targeted loans.
Regardless of the type of registration, to use Tinkoff Bank online banking you will need a linked phone number. How to register:
- go to the official website;
- click on the virtual “Login” button;
- select “Register”;
- enter the card or credit agreement number;
- Click on “Continue” and confirm your login with the password from the SMS.
Recovering your personal account password
Login in Tinkoff Mobile is a mobile phone number. Password is a unique code that comes in an SMS message to confirm user login. If a mobile operator client has deleted the application or has not received the code, he only needs to send a second request to receive a digital combination.
Another algorithm of actions to restore access to your account:
- Login to the Tinkoff Mobile main page.
- Clicking the “Forgot your login or password?” item.
- Entering the mobile device number.
- Receive a password via SMS message.
When the subscriber enters the necessary information in the empty field, the functionality of his personal account will again be available to him.
How to log into your personal account?
Logging into your Tinkoff Bank personal online account using your phone number is easy. To authorize you should:
- go to the official website;
- click on the virtual “Login” button;
- enter the phone number associated with the contract and click on “Login”;
- Confirm your identity using a code from SMS.
Special offer from the bank on favorable terms 2021!
Currently, Tinkoff Bank offers to issue a credit card with a deferred interest accrual for up to 4 months (55, 120 days) without certificates and taking into account a bad credit history, details on the page.
Apply for a Tinkoff Platinum Credit Card in 5 minutes
Individual questions (hotline)
If you have individual questions about the services provided and Tinkoff’s personal account, you can call the bank’s toll-free hotline.
Internet bank for legal entities
There is a separate Tinkoff Internet bank aimed at small and medium-sized businesses. It allows:
- manage accounts and control expenses;
- make payments;
- transfer salaries to employees;
- pay taxes and fees;
- prepare extracts and reports.
A personal account for individual entrepreneurs and LLCs can be created only when drawing up a cash settlement agreement. Afterwards, the legal entity receives login information. How to log in to your personal account online from Tinkoff Bank for business:
- Select “Business” on the website;
- click on “Login”;
- enter the data from your personal account received from a representative of the financial company (the phone is used as a login).
Advantages and disadvantages of bank services
Tinkoff Bank is a bank for progressive clients who lead an active lifestyle, use modern technical devices, and want to receive high-quality services at low rates. The main advantages of Internet banking:
- 24/7 qualified operator support with instant response.
- Multifunctional Internet banking with convenient management.
- Mobile application for devices on any platform.
- Individual approach to the client when registering bank products.
- High level of service.
Main disadvantages
The Tinkoff Mobile operator has much fewer disadvantages than advantages. The main ones:
- the network is not available in all localities of the Russian Federation, the coverage area is actively expanding, but there are still blank spots on the map;
- the quality of communication depends on the infrastructure of the base operator Tele2 on which Tinkoff Mobile operates;
- not such a large number of subscribers as large telecom operators, so free calls within the network are not such a significant advantage;
- in the capital and Moscow region only 3G and 4G are available, which may not be enough for users who use 2G;
- no access to file-sharing networks, torrents and other peer-to-peer services;
- paid Internet distribution over 0.5 GB per month.
Some inconveniences can be circumvented. For example, if you connect all your friends to the network, conversations will be free. It will not be possible to correct other deficiencies. Tinkoff Mobile does not allow the use of torrents and other peer-to-peer services, regardless of where the user is located in the Russian Federation or abroad.
Roaming Tinkoff Mobile
For Tinkoff Mobile subscribers, roaming is a service that is activated at the request of the client. That is, when traveling abroad, you don’t have to worry that money will be withdrawn from you just like that. No. Mobile communications will only be available when you activate a roaming service, and only in this case will you be charged. Its size depends on the country you are in and the services you use:
- From 11.90 to 29 rubles per minute for outgoing calls;
- From 149 to 299 rubles for every 100 MB of mobile Internet.
For emergency cases this is enough, but for normal communication it is more profitable to buy one of three service packages that meet your goals. The first is “30 minutes incoming”. This is a service that provides 30 minutes of free calls for 59 rubles per day. The second package is “Unlimited messengers”. Provides for 1 day for 49 rubles. The third package is Google Navigation. Gives access to Google maps for 79 rubles per day (may be more expensive depending on the country where you are located).
Tinkoff Mobile: How to Connect and Get a Simcard
Just like other services from Tinkoff, connecting to Tinkoff Mobile is very simple and comfortable. Puzzling over the question “where to connect Tinkoff Mobile?” definitely won't have to. Just go to the mobile operator’s website and fill out a simple form.
A consultant will promptly contact you at the contact phone number provided. After you confirm your application, the courier will bring you your SIM card. If you need it, the courier will provide you with additional information and help you connect to a cellular operator.
Free SIM card delivery
No need to go anywhere!
Tinkoff Mobile is a young mobile operator; it is interested in new subscribers and therefore pampers them with interesting and profitable special offers:
- you can try Tinkoff Mobile for free in the first week,
Try for free
- you can switch to Tinkoff Mobile while keeping your number (transfer your number) and receive a gift for it.
There will be no hidden services or fees!
Additional options:
- Buy insurance
- Open an individual investment account (IIA)
- Open a business account
- Register an individual entrepreneur
- Order a Tinkoff Mobile SIM card
Detailing and costs
You won’t be able to order call details through your personal account on a PC, but it’s possible that this function will appear soon. At the moment, you can only order details through the mobile application. To do this, go to the chat, write the address and the required period for detailing expenses. Typically, the finished report is sent to the specified email within just 10 minutes. Expense itemization is a free service.
In the mobile application you can also see a menu called “Events”. Here you can view all account top-ups and debits, as well as see where SMS messages were sent. Opposite each service is its cost. Data is updated automatically and very quickly. All information on voice calls can be viewed in the “Menu” section.
To download the Tinkoff mobile application, you can use these links. Two versions are available - for Android and for iOS.
Connecting packages
The next block includes 3 sections:
- "Minutes and gigabytes." Information section, which displays information about connected packages. When you click on the “Change” button, the service will move the user to the 2nd or 3rd block.
- "Calls and SMS." Section for purchasing the required amount of minutes and connecting SMS.
- “Internet and unlimited services.” Here you can get gigabytes of traffic or subscribe to additional services.
Connect
Let's look at the functionality of each section of the Tinkoff Mobile personal account in more detail.
Calls and SMS
In this section, a Tinkoff Mobile subscriber can choose a call package (1) ranging from 200 to 1200 minutes or subscribe to unlimited. You can also enable the option to send text messages (2) without restrictions on the number.
Application of the selected settings takes effect after clicking the “Save” button (3).
Internet and unlimited services
This section is intended for managing Internet access services. Here you can activate:
- The required amount of Internet traffic for browsing websites, listening to music, watching videos (1). According to Tinkoff Mobile tariffs, each subscriber can receive from 2 to 20 gigabytes or choose 24-hour unlimited Internet without reducing speed.
- The options “Messengers”, “Music”, “Social networks”, “Video” (2) make it possible to reduce costs if the Internet is used only for communication, listening to audio tracks or watching videos.
If you activate gigabytes and any option, for example, “Social networks”, when exchanging messages with interlocutors on Facebook, the traffic used will not be charged and will be deducted from the general package.
Connect
To activate the services, just click the “Save” button (3).
affiliate program
The bank invites each client to participate in the “Refer a Friend” campaign. As a bonus, an additional 1 month of free service is provided to both parties. The participant brings up to 30 friends, i.e. saves payment for 30 months. Thus, advanced clients can use the service for free for 2.5 months.
A referral link for registering a friend is sent to:
- through social networks;
- by SMS;
- to your email address.
The client can also ask a Tinkoff Bank employee to call his friend and tell him about the benefits of his personal account.
Tinkoff Mobile Operator: Base Stations Tele2 and Megafon
In order to understand the advantages and disadvantages of the Tinkoff Mobile operator, you need to have basic knowledge of the principles of operation of a virtual cellular operator (MVNO). The operating logic of MNVO Tinkoff Mobile is as follows:
- the virtual cellular operator does not have its own cellular network and switches (hardware),
- mnvo tinkoff mobile services its subscribers independently, for which it uses its own software (billing),
- Tinkoff Mobile uses the cellular network of the operator Tele2 (Tele2),
- in regions where there is no Tele2 signal, the cellular network of the Megafon operator can be used,
- Tinkoff Mobile buys voice and Internet traffic at wholesale prices,
- the Tinkoff Mobile operator can sell voice and Internet traffic to its subscribers, offering unique tariffs and services without regard to the massive tariff lines of other cellular operators (including its base operator Tele2).
Choosing a beautiful room
This process is carried out directly on the website when a person submits an application to purchase a SIM card. You can choose a free digital value or order an interesting combination of numbers. Example:
| Type of number value | Cost, rub) |
| +7 | 490 |
| +7 | 990 |
| +7 | 2900 |
| +7 | 6900 |
You can come up with your own combination, and if it is free, the system will assign this number to the future subscriber.
Tinkoff Platinum credit card: order online
There are often situations in life when you urgently need money for urgent expenses, but you don’t have the required amount with you. Submitting an application for a loan will take at least 1 day, urgency is a priority. In this situation, a credit card will be very useful to you. The Tinkoff Platinum credit card is very popular; in addition to its basic purpose, it has a number of advantages such as:
- Cashback for purchases up to 30% with points (for each purchase you receive points that can be exchanged for rubles at the rate of 1 point = 1 ruble)
- The interest-free period is 120 days (if you are going to repay a loan issued by another bank with a credit card)
- The installment period in the bank's partner stores is up to 365 days, in other cases the grace period is up to 55 days
Terms and conditions for the Tinkoff Platinum credit card:
- Credit limit : up to 300,000 rubles
- Grace period : up to 365 days
- Cash withdrawal : commission 2.9% of the withdrawal amount + 290 rubles
- Interest rate : from 12% to 29.9% per annum
- Annual maintenance cost : 590 rubles
You can use the card as an additional source of funds for purchases or to close a credit card from another bank.
Requirements for the cardholder:
- Russian citizenship and passport with permanent residence in the country
- Age from 18 years
- Availability of a mobile phone
- Availability of email
You can apply for a Tinkoff Platinum card by clicking on the button below:
The credit card ordering process is as follows:
- you submit an application for a credit card on the bank’s website
- your application is being considered
- An employee will contact you and coordinate the time of delivery of the card by courier
- you receive a card and activate it on the bank’s website
Tinkoff Bank: Mobile application
The application is compatible with all operating systems installed on modern smartphones. A truly convenient and practical application that is perfect not only for individuals, but also for entrepreneurs, as it contains all the necessary tools for business. This is a simple and affordable way to check your balance, pay for services and purchases, and make transfers between bank cards and to the accounts of other financial organizations.
In order for the application to function fully, you must provide it with access to your device identification number and authorize it using your phone. On the start page, users can view balances on ruble and foreign currency accounts, as well as recent transfers, expenses and charges.
Benefits and conveniences of Tinkoff Business
- you do not pay for the first two months of service;
- full control over the cash flow of the business;
- working hours 24 hours 7 days a week;
- access to the resource from any PC, laptop, smartphone, tablet on all OS;
- all activities related to the operation of the enterprise are displayed in one window;
- a qualified personal manager from Tinkoff Business has been assigned.
To use the service there is no need to download and install additional programs. All you need is a device that has Internet access, the rest is provided by Tinkoff Bank.
To open a current account, leave your phone number. A Tinkoff employee will come to your home, office or cafe and bring documents.
Analogues in other banks
A comparison will show where the connection is cheaper and where it is more stable:
| Operator | Description | |
| MegaFon – “Second by Second” | The cost of 1 minute is 3 rubles in the home region, outside – from 5.10 rubles | ⭐⭐⭐⭐☆ |
| MTS – “Second-by-second” | The cost of 1 minute is 3 rubles in the home region, outside – from 6 rubles. | ⭐⭐⭐☆☆ |
| Tele2 - “Second-by-second” | The cost of 1 minute is 3 rubles in the home region, outside – from 6.50 rubles. | ⭐⭐⭐☆☆ |
All operators have the ability to customize the tariff, with the exception of the “Per-Second” product. That is, even to adjust individual communication parameters, you will have to sign up for a tariff plan with a subscription fee.
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other services
In addition to the basic options, each Tinkoff Mobile subscriber can activate the “Hidden Number”, “Hidden Number Identifier” options, subscriptions to Yandex.Music, Boom, “Sound”, Okko, Megogo media libraries, Kaspersky antivirus, which are located in the “Other Services” section "
When activating the service from virtual operator partners, each subscriber gets the opportunity to test the capabilities during the promotional period. After its end, the service can only be used if a monthly subscription fee is paid.
Connect
Unlike the Tinkoff Mobile mobile application, “Personal Account”, when authorizing through a computer, provides the subscriber with more modest configuration options: you cannot connect a “Virtual Number”, view the details of calls and SMS, or sign up for some subscriptions.
Tinkoff Mobile is a mobile operator that operates on the basis of Tele2 and is wholly owned by Tinkoff Bank. It began providing mobile communication services at the end of 2017 and only in two regions - Moscow and St. Petersburg. Over time, its coverage area has expanded significantly, and by 2021 the company serves subscribers almost throughout the country, including those who travel abroad.
Content
Tinkoff Mobile tariffs
In fact, there is only one Tinkoff Mobile tariff, which can be called basic. It provides for the following conditions for the use of mobile communications:
- You can call within the Tinkoff Mobile network for free and without restrictions.
- If you want to call numbers of other Russian operators, then a fee of 2.90 rubles will be debited from your balance. for every minute of conversation (for outgoing calls).
- If you want to call abroad, your account will be charged up to 29 rubles per minute or another fixed fee depending on the country you are calling.
- You can send SMS for RUB 2.90. (in Russia) or 5.90 (abroad) for each piece.
- Mobile Internet is not provided under the terms of the basic Tinkoff tariff.
If these conditions do not suit you, you can use the tariff constructor on the operator’s website or mobile application and select the service packages that interest you.
| Package of services | Price | Features of the service |
| Mobile Internet | 259–1059 rubles per month | From 2 to 20 GB or unlimited |
| Package of minutes for calls within the Russian Federation | 159–1059 rubles per month | From 200 to 1200 minutes or unlimited |
| Messengers | 49 rubles per month | Unlimited |
| Social media | 59 rubles per month | Unlimited |
| Online music | 59 rubles per month | Unlimited |
| Video online | 159 rubles per month | Unlimited |
| SMS | 49 rubles per month | Unlimited |
You can select the service package you are interested in both at the stage of ordering a Tinkoff Mobile SIM card, and after receiving and activating it. Combine several service packages at once and pay attention to the cost - comprehensive services at Tinkoff are much more profitable.
Certain bonuses are valid for those subscribers who:
- Became new Tinkoff Mobile subscribers. For all new customers, mobile communications will be free for the entire first week.
- If you transferred your old numbers to Tinkoff Mobile, they will automatically be credited with a certain amount (500 or 1000 rubles, depending on when you connected to this operator).
- They use a Tinkoff Bank card. For expenses over 10,000 rubles per month, you will receive 600 free minutes for outgoing calls.
Minutes and internet packages
Packages are connected under the “Minutes and Gigabytes” heading. Bright yellow buttons will immediately tell you what needs to be done for this - “Change tariff”. After clicking each of them, new pages with forms for filling out data will open. For calls and SMS messages, select the number of minutes (200-1200 min.), or indicate an unlimited tariff.
To connect to Internet services, a gigabyte volume (2-20 GB) or unlimited use without reducing the data transfer speed is provided around the clock. If you select the “Messengers”, “Music” or “Social Networks” option here, then traffic will be spent with great savings. Provided, of course, that you use only the selected options.
Important! All selected settings will work only after clicking on the “Save” button.
In the “Other Services” category, you can choose products from the media library, Yandex Music, and antivirus programs. Easily connect to for anonymity or use “Hidden Caller ID” on incoming calls.
