Tinkoff Bank mobile application - the most complete overview of the program

How to start using Tinkoff mobile

To use the service, you must install it on your mobile device. To this end, on the bank’s official website, download and install the Tinkoff mobile application on your phone or tablet, choosing your operating system: Android, Windows Phone, iPhone.

Download on the App Store (for iPhone) Download on Google Play (for Android) Download on the Microsoft Store (for Windows Phone)

You can also go directly to the application store for your platform (Play Market or AppStore) and enter the name of the bank in the search.

Downloading the Tinkoff Bank mobile application is very easy; installation takes one or two minutes. If you have a username and password, enter them and an SMS with an access code will be sent to your phone. You dial the access code and you are in the mobile version of your Tinkoff personal account.

If you have not yet logged into your personal account, then you just need to go through a simple registration. To do this, dial the card number, you will receive an SMS on your phone with an access code to your personal account, and come up with a login and password. After such simple manipulations, you can freely use the application.

Pros and cons of the mobile application compared to offers from other banks

The Tinkoff mobile application consistently occupies a leading position. In 2nd place is Sberbank, in 3rd place is Post Bank, in 4th place is Alfa Bank. VTB is located on the 8th, Raffeisenbank on the 10th. But none of the competitors offers anything similar. The lifestyle banking model is being implemented. Online banking has become a guide to personal finance. Any issues are resolved remotely.

The undeniable advantages of the application include:

the functionality is not inferior to classic online banking, but the personal account interface is different;
speed of work;
a large number of features that simplify the use of bank products as much as possible and save time on routine operations (payment of utility bills, loans, etc.);
options for all operating systems.

There are no significant shortcomings. Technical deficiencies are resolved promptly, and new versions of the application appear regularly.

What is in the application - main functions

The main page contains your accounts and cards with the balances on them.

You can click on each product to see:

Cash balance on cards (debit and credit).
The total amount owed, if it is a credit card.
Minimum payment amount (credit card).
Minimum payment due date (credit card).
The number of points awarded under the loyalty program.
The amount of available funds, taking into account the limit.
The amount of your card payments for the current month. If you click on the amount, you can see analytics - a detailed statement of when, where and in what amount the funds were debited from the card. You can use the arrow to move to the month of interest and study your payments. All payments are divided into categories: supermarket, fast food, mobile communications, pharmacies, Internet, banking services and so on.
The size of the established limit (which can be changed right there on the phone) for cash withdrawals and card purchases.
Connected services (insurance, transaction notifications, online transactions). Amounts for services are available in the statement or account transactions; here you will only see a list of them.
Card actions (PIN code management, card reissue and blocking).
Details for payment using your card.

Also on the main page, the user has the opportunity to top up his card account (using details, cash, from a card of another bank, from your account) or pay off the debt.

Using the “Pay” button, you can make transfers, for which your personal contacts with phone numbers are conveniently located below. You can add regular payments to your favorites. There are also payment options by category.

In the “Settings” tab you will see account details with generalized information on amounts, debts, balances. Here you can order a certificate and account statement.

On the main page, with a light touch of your finger, you can leave a request to open a new bank product.

The next tab is Events. Detailed information on purchases made using the card is displayed, broken down by day.

Payments: payments, transfers, favorites. It’s convenient to add regular payments to your favorites. This will further reduce the time for payment transactions.

Chat with the bank. If necessary, we ask questions and immediately receive a detailed answer from a support specialist.

The “More” section includes the following subsections:

Settings. There are exchange rates, limits, subscriptions, personal account login settings, notifications, PIN codes, transactions abroad, your contacts and again chat with the bank. All buttons are active, we go into them and change everything that is necessary.
Bonuses. The ability to invite friends and receive points for this, the number of points available, categories with increased cashback, special offers from Tinkoff.

The “Info” section also has subsections:

ATMs with visual search on the map.
Points for making payments with the ability to select the desired currency.
Ordering certificates.
Communication with the bank and communication options to choose from (phone, social networks, chat, email).
Information about the mobile application - current version number.

On the right there is a pencil for editing information about yourself: phone number, postal and email addresses, payment region, employer information. Do not neglect changing personal information about you, because the bank may reduce the credit limit if the changes are recorded by the bank before you notify it yourself.

How to work with cards

Any necessary operations are available through Tinkoff Bank:

ordering a new, additional or virtual card;
registration of deposits and loans online;
payment, including contactless;
transfer of funds to an account for individuals and legal entities;
withdraw cash from the nearest ATM;
financial analysis of expenses;
changing the PIN code, setting a spending limit, ordering statements and certificates;
much more.

How to apply for a new card

To apply online for a new card, click “New Account or Product” at the bottom of the main screen. Choose from the available offers.

If you need to open a deposit, take out an online loan, link a card from another bank, click the action you are interested in and follow the algorithm of the mobile application.

Tinkoff allows the use of 5 plastic cards of one current account at the same time. All transactions on them are reflected in the application, and cashback is credited for each of them without restrictions. Select the account on the main screen and press plus.

You can set a spending limit on the main and each of the additional plastic cards. In the “Actions” menu, the function of re-issuing and blocking the card is available.

How to pay and transfer

The Tinkoff mobile application provides different payment options. Go to the “Payments” tab and find the one you need.

For transfers by phone number, the program will request access to the contact list. From a debit account, amounts up to 20,000 rubles are transferred without commission, from a credit account - a commission according to the tariff plan.

If you shake your phone while the application is active, you will have access to your contacts for quickly transferring money.

When paying using a QR code, the application instantly scans the invoice: the details and payment amount are filled in automatically.

In order to pay the loan, select the “Payments” category, then “Loan repayment”. We find the bank that issued the loan, indicate the details and agreement number in the required fields, and pay.

The application will promptly notify you about the availability of bills for utility bills, taxes, fines, if you subscribe in the “More” tab, “Settings” menu. These types of payments are made without commission.

Click on the icon of the received invoice and proceed to payment. No additional filling out of the payment document is required. Click “Pay”.

The screen displays the result of the financial transaction and the balance of funds in the account. To receive a paper payment document, click “Send receipt”. Click “Finish”.

To pay with the app, you need to add your card to Apple Wallet. Select its image on the main screen and click “Add to Apple Wallet.” To make this form of payment, you need a mobile phone with contactless payment functionality.

How to withdraw cash or top up your account

Tinkoff account holders can withdraw cash from ATMs of any banks. To find out the address of the nearest one, go to the “More” tab, “Info” menu, click “ATMs”. A geographic map of your current location appears on the screen with terminals marked on it.

When you touch the mark, comprehensive information about the ATM is displayed:

exact address with a detailed description of how to find it;
working hours;
available amount for withdrawal;
possible commission;
withdrawal currency;
contact number.

If your phone has contactless payment technology, touch it to the terminal scanner instead of a plastic card.

If you do not have a plastic card with you, and your mobile phone does not support the contactless payment function, we generate a QR code in the application for the required withdrawal amount. “Payments”, “Cash Withdrawal” tab. We apply the phone screen with the code to the Tinkoff ATM scanner and receive money. The QR code is valid for 24 hours and can be shared and sent to other people.

To top up your account with cash, select “Top-up points” in the “More” tab. To deposit money, we use the same options as when withdrawing: information about the nearest location and operation of terminals, contactless technology, QR code.

You can deposit money non-cash. On the main screen, click on the image of the card that you want to top up, then “Top up”. Select from the proposed list. We enter the details, the requested amount, and confirm the action with the code.

You can link cards from other banks to the application, which will reduce the transfer and replenishment procedures between accounts to “one click”. Also, third-party bank accounts can be used without restrictions for financial transactions provided for in the mobile application.

The “Request money” function allows you to receive a sum of money from an individual by phone number. Select it from the contact list or enter a new one, indicate the amount. The service processes the request and sends it to the recipient in the form of SMS with a link to a convenient form for transferring money.

How to secure your account

Go to the “More” tab, “Settings” menu.

To activate login to the application using a fingerprint, go to the “Login and authorization” section. We press the switch.

To request a PIN code for purchases worth more than 1,000 rubles, put a checkbox in the “Card PIN codes” section. If necessary, you can change your PIN code here.

If desired, the Tinkoff account holder can inform the bank about a planned trip abroad.

If you activate the account insurance service in the “Card Protection” section, the bank will fully reimburse the funds stolen by fraudsters. This service is paid.

To configure or disable SMS alerts, click on the map on the main screen and click “Services”. We activate or refuse notifications about operations. Here we decide whether we will pay with a plastic card for online purchases or not.

To block a card, click “Actions” by selecting it on the main screen. If for some reason it is not possible to log into the application, send an SMS to number 2273. In the text we write the word “Block” and the last four digits of the card.

Other applications from Tinkoff Bank

Tinkoff has provided several more applications for its clients:

Business – Internet banking for entrepreneurs and legal entities.
Tinkoff Investments – for investment market participants.
Debt check – to control your tax and credit obligations.
Traffic police fines - control over fines.
From card to card – instant transfers between cards.
In your pocket is a manager for passwords, personal data, documents and cards.
Money Talk Telegram – money transfers in Telegram chat.

Moreover, in order to start using some of them (for example, “Debt check”, “Staff traffic fines” or “In your pocket”) you don’t even have to be a bank client.

Mobile Application "Tinkoff" - Download Free on Android and iOS

To remotely control and monitor debt repayment, they use mobile applications installed on smart gadgets from different manufacturers:

from the AppStore to be able to transfer money, top up from other debit accounts, and track expense transactions;
GooglePlay the details of another plastic card, including moving between customer accounts if you need to pay a loan or withdraw an amount using a debit plastic card;
The pages of the Microsoft.com website offer an option for conveniently checking your balance and transaction history, accessible from almost any computer and phone. At the link: microsoft.com/ru-ru/p/Tinkoff/9wzdncrdjsbr?activetab=pivot:overviewtab you can find the installation file and read user reviews.

Mobile applications are designed to streamline the loan servicing process and also monitor replenishments and debits. A personal account provides access to remote management, essentially replacing the need to visit the bank and talk with branch employees.

Is it worth installing the Tinkoff Bank app?

Installing Tinkoff mobile banking is simple and convenient. If the space on your phone allows (and the application itself takes up approximately 40 MB), by installing mobile online banking from Tinkoff, you will receive round-the-clock available functionality for your banking products.

This is very convenient if you:

You are constantly on the road and don’t always have access to a computer.
You have several maps and you need to control movement on them.
You have limits set.
You are the holder of the main card and you need to be aware of payments on additional cards.
You are an active participant in the bank's loyalty program and you need to use the bonuses received from purchases on time. You regularly take advantage of special offers within the program.
You are a participant in foreign exchange transactions and it is important for you to know the current exchange rates.

Thousands of Tinkoff clients confirm the usefulness of the mobile application and are grateful users. Technical support instantly responds to all negative comments and eliminates defects in a short time.

Tinkoff has thought through the mobile banking to the smallest detail and created convenient and accessible functionality for its clients. The mobile version of online banking is completely identical to online banking. The only difference is a minimum of advertising, only standard operations and special offers for the loyalty program, which can be activated at any time. Additional layers of protection will give you peace of mind about access to your cards.

The mobile version is available for Android, Windows Phone and iPhone operating systems. Installation occurs after downloading the application to your phone, iPhone, smartphone, tablet. All actions are completed in a couple of minutes.

Brobank: Tinkoff Mobile Bank is a free, comfortable and accessible application that any bank client will enjoy using.

about the author

Evgeniy Nikitin Higher education majoring in Journalism at Lobachevsky University. For more than 4 years he worked with individuals at NBD Bank and Volga-Credit. Has experience working in newspapers and television in Nizhny Novgorod. She is an analyst of banking products and services. Professional journalist and copywriter in the financial environment [email protected]

Is this article useful? Not really

Help us find out how much this article helped you. If something is missing or the information is not accurate, please report it below in the comments or write to us by email

What to do if you forgot your Tinkoff account password?

If for some reason you have forgotten your Tinkoff account password, don’t worry, you can recover it in 2 minutes. For this:

Follow the special link to recover your password - https://www.tinkoff.ru/registration/?recovery=.
Enter your bank card number or the agreement number that was assigned when you received the card.
Click on the "Continue" button. You will receive a temporary login password in an SMS message. Don't forget to change it to yours later.

Comments: 0

Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:

Author of the article Evgeny Nikitin

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

"Tinkoff Bank" - Online Application for a Cash Loan for Individuals

Since the bank does not have traditional branches where borrowers can apply, they have to find a way to transfer the application to the bank. Having access to the Internet opens up new opportunities to reduce the time required to submit a request and the time it takes to consider the application.

On the Tinkoff website, next to the description of any banking product, there are links to go to a page with an automatic form, after filling out which you can only wait to see what decision the lender will make.

The application form does not involve any difficulties in filling out if the borrower is able to independently enter simple information about himself and the requested loan. The application preparation process consists of 4 steps with the following information:

Requested credit line limit.
Type of product (cash loan, to pay off another debt, purchases, receiving bonus points).
Select the desired bonus (free service, cash out, installment plan for goods, maximum amount).
Contact phone number and email address for communication.
At the second stage of filling out the application, you must indicate the data from your passport (including the department code), on the basis of which the loan agreement will be prepared. They also indicate the place of birth and current residence. If the registration differs from the actual address, this must be indicated.
Additionally, the bank will need another mobile number for communication.
The client confirms solvency by indicating actual earnings and willingness to service the debt in the future.
After checking the entered information, they confirm the application and wait for a response from the bank.

Already at the stage of entering basic information about yourself, the client is informed that the approval rate exceeds 74%. The further the borrower moves towards the application, the higher the chances of cooperation with Tinkoff Bank.

The main requirement that must be taken into account when contacting a bank is the maximum veracity of the information provided.

There is no point in overstating your payment ability or withholding important information that could negatively impact your decision. The lender will check the presented facts for consistency and, at the slightest suspicion of fraud, will refuse to issue funds.

If the request contains correct information and the borrower has filled out all the proposed fields, within 10 minutes Tinkoff will report a positive decision with an 80-90% probability.

You can check the status of the application yourself if, after sending a request from the site, enter the mobile number specified as the client’s contact number into the search bar.

Conditions for Providing a Cash Loan at Tinkoff Bank

The cost of a consumer loan and the terms of issuance at Tinkoff Bank make us consider cooperation as beneficial as possible for the client.

Before submitting an application, you can read the description of the non-targeted program:

The limit is up to 1 million rubles, but not less than 50 thousand rubles.
If you are ready to issue a pledge, you will be offered an increased limit of up to 15 million rubles.
Rate – up to 24.9%. At the discretion of the lender, it can drop to 12.0%.
Debt repayment – from 3 months. Large sums (from 1 million rubles) are distributed over 15 years.

With high loyalty to borrowers with a high chance of loan approval, the bank imposes strict sanctions for late payments - 0.5% of the total debt. When planning to take out a loan from Tinkoff, you should carefully analyze your financial capabilities and strictly adhere to the dates for making monthly payments.

List of Documents for Submitting an Application for a Loan at Tinkoff Bank

To receive funds, it is enough to provide the bank with complete information about yourself, down to your passport details. Using its own databases, the lender quickly checks the information for compliance and assesses the candidate’s personality.

When other banks request certificates of employment, documents confirming income, Tinkoff has enough personal data to make an informed decision about the validity of the loan.

To issue funds for a consumer loan, you will only need a passport and a mobile phone number if the borrower meets the lender’s requirements:

Age – over 18 but under 70 years of age at the time of making the last payment.
Russian citizenship.
Registration or registration at the place of residence - within the Russian Federation.

When drawing up contracts with collateral, there is no need to provide documents for the property. Additionally, you may only need SNILS (when transferring an apartment as collateral), or a registration certificate with a title (when transferring a car).

System capabilities

The undeniable advantage of Internet banking from Tinkoff Bank is the ability to gain access to managing your finances at any time and anywhere in the world. Using your personal account, you can not only monitor the status of your account, but also perform various financial transactions .

Information about the movement of funds

You can check your account status after you go to the “Accounts” section from the main page of your personal account. Select the required contract number and click the “Open account information” button. In this section you can find out:

credit limit on the card;
debt in real time;
balance of credit funds in the account;
write-off and replenishment amounts for any period of time;
amount to be repaid and payment terms.

If necessary, statements can be printed.

Transfer funds from card to card

Funds can be sent to your own or someone else’s card, and it can be opened in any other bank in the Russian Federation. The operation is carried out in several stages:

select the “Payments and Transfers” section and go to it;
from the list that opens, select “Transfers” if the funds will be transferred to a Tinkoff Bank card or “Transfers to a card of another bank”;
indicate the recipient's card number and the transfer amount. There is no need to worry that you will make a mistake. The system monitors the correctness of input and constantly provides hints.

After checking all the data, click “Send” and the funds are sent to the recipient’s account.

If you plan to make this payment regularly, you can save its template. After this, you will not need to enter the recipient's details; you will only be able to adjust the transfer amount.

also available to Tinkoff Bank . Create a payment, specify the date it will be made, and the system will automatically process the transfer at the specified time.

Mobile phone account top-up

Using your personal account, you can quickly top up your account or your loved ones . This operation will become available after going to the “Payments and Transfers” section. Select the “Mobile Communications” menu bar, and then find your mobile operator in the list provided. For a quick search, you can use the search bar.

After the recipient company has been indicated, you need to enter the phone number whose balance you want to top up, and also indicate the payment amount. The replenishment will take place after you enter the transaction confirmation code. The system sends it to the bank client in a message.

If you regularly top up the account of your children or other family members, you can add this operation to Autopayments. The system itself will replenish the phone number within the specified period.

Special offers and promotional codes

Tinkoff Bank clients can take advantage of special offers.

When paying for goods and services in companies that are partners of Tinkoff Bank, bonus rubles are returned to the card. They can be accumulated and used for future purchases.

You can find out about current offers on the bank's website . Not only bank clients can take advantage of discounts. In the “Promotional Codes” section, anyone can choose a company and a discount on services that they would like to receive. In the form that opens, indicate your phone number, a confirmation code will be sent to it to receive a promotional code.

You can also make money with a Tinkoff Bank card if you recommend this financial organization to your friends . Go to the “Invite a Friend” section and receive additional bonuses to your account. All Internet banking users have this opportunity, even if you use the mobile application from Tinkoff Bank.

In your personal account you can also open a new deposit, take out insurance, apply for a mortgage and much more.

Methods of Loan Repayment at Tinkoff Bank - Terms and Interests

The absence of branches opens up wide access to non-cash payment methods through the bank’s online services. Borrowers will be offered to transfer money through a mobile application or through the Tinkoff website.

If desired, the payment is made online, using ATMs and terminals of partners and Tinkoff ATMs, choosing the nearest ones on the website in the section with a description of the ATM network. Thanks to a broad partnership, the client has the right to choose the terminal or ATM that is most convenient in terms of timing, commission size and geographical location.

It is important to note that it may take some time for the payment to be processed. In order not to delay payment, take into account the period for crediting funds to the card - from 1 to 7 days, depending on the selected transfer option. Standard interbank transfers take 2 days.

The commission for intermediary services is from 1 to 3% (check on the website of the selected partner).

In the section describing each lending program there is a tab describing the proposed payment options. If you have a personal account or have a mobile application installed, the payment will be processed instantly.

Tinkoff Bank - Questions and Answers on Cash Loan

Many customers are accustomed to asking questions to bank employees when they come to a branch. Understanding the need for additional information on a variety of issues related to, the bank devoted an entire section to describing the most important issues and topics dedicated to the description of financial services and the use of special banking services.

You can familiarize yourself with the subsections and topics covered at the link: help.tinkoff.ru .

The information is systematized by topic:

Description of credit products, including credit cards.
Working with debit plastic.
Description of loans with cash advance.
Deposits and savings accounts.
Payment of fines.
Online payment service.
Work on the State Services website.
A network of self-service devices where you can withdraw or deposit money into accounts opened with Tinkoff.

Tinkoff Bank - List of Documents: Tariffs and Loan Terms

In the process of interaction with the bank, the borrower will be based on the tariffs posted in the section describing the loan program.

In the “Tariffs” subsection you can find files for downloading with information about the terms of service for credit clients. You can reduce the time spent searching for the necessary information by following the link: tinkoff.ru/loans/cash-loan/tariffs .

Before signing the agreement, the borrower must know all the conditions that will be reflected in it. At the bottom of the page describing the loan product there are files with information about:

servicing a credit account;
recalculating the bet when using a bonus;
parameters of collateralized lending;
borrower insurance program;
service tariffs for Tinkoff Platinum plastic, issued as part of the credit line.

Also in the “Contacts” section at the bottom of the page there are ready-made application forms for the main questions of interest to clients. You just need to download the prepared form and fill it out in accordance with the bank’s requirements.

Application functionality

There are many services that can be obtained in the Tinkff bank application. For ease of use, they are divided into several categories. This allows you to quickly find the services you need and carry out transactions.

Pay and transfer

This category includes the following services:

transfer funds between your bank accounts;
verification and payment of fines;
transferring money to a card of another bank;
creation of templates and automatic payments;
subscribing to notification of fines;
scanning QR codes to pay receipts;
receiving and storing receipts for payments made.

Analyze your expenses

The category includes a filter by date, with which you can find the completed transaction in the “Events” feed. This section also has a search bar where you can enter the name of a previously received service.

Features of your personal account tinkoff.ru

Your personal account expands your business opportunities, allows you to save time and receive highly qualified assistance from the organization’s employees. The LC has created the most comfortable conditions for conducting any banking operations at any time of the day.

Main sections of the service

In the personal account, the client has the opportunity to:

obtain information about the credit limit and change it;
open accounts, attach them to an existing account;
control the payment of credit card debt, pay off the loan;
make payments for services received and goods purchased;
make deposits, black and platinum cards, use other banking products;
take part in events organized by the company.

In addition, the following functions are possible: blocking, unblocking, activation, renewal of the card and other functions, a full list of which can be found on the company’s website or get advice from a bank employee.

Payments and transfers in your account

Many online operations are performed in the personal account, including various payments. The most common function is payment for the services of mobile operators. In addition, using the online service, you can pay for:

fines and taxes;
accounts of popular Internet games;
transfer money to charities
make purchases in Russian and foreign online stores.

Through the personal account it is possible to interact with all payment systems operating in the Russian Federation.

Card information

LC allows you to get complete information on your debit or credit card, including:

information about the balance on the debit card;
procedure for repaying accounts payable;
credit card balance;
balance of funds available for use;
other information on cash flow.

If you have lost your card

Sometimes you need a credit card quickly, for example, if you lose it. This can be done in three ways:

On the website, in your personal account, a toll-free hotline number for users is indicated - 8800-555-22-44. You need to call it and dial the additional number 4.
Send an SMS to number 2273 with the text “blocking***”, instead of asterisks, enter the last 4 digits of the card number;
On the website, enter the personal profile menu. In the lower right corner you will see a button with an image of an envelope. Click on it and select the same one from the ones that appear, with the inscription “mail”. When you click on it, a field will appear where you can select the type of request from the drop-down menu and a text field to describe the problem.

You can select the yellow button with the letter T in the center and describe the essence of your request/problem to your personal manager in real time.

Advantages of Tinkoff Internet Banking

Using a mobile bank and personal account has the following positive aspects:

24/7 work without days off or breaks;
operator support via hotline and chat;
instant problem solving;
no need to go to the department;
convenient, intuitive interface;
wide payment options and a wide range of services.

The Tinkoff team is constantly working to improve the Internet portal. This allows the bank not to lose its leadership position. Independent agencies Deloitte and Markswebb Rank&Report recognized Tinkoff mobile bank as the best among its competitors for four years in a row (from 2013 to 2016).

"Tinkoff Bank" - Insurance of Borrowers and Credit Card Holders

During the period of repayment of the loan debt, unforeseen circumstances may arise when it becomes impossible to continue payment due to a number of objective reasons.

To protect yourself in case of loss of ability to work and deterioration in health, as well as to protect loved ones from creditor claims in the event of an untimely death, take out personal insurance. If an accident occurs or a serious illness occurs, the insurer will pay the balance of the debt instead of the borrower, removing the loan burden.

Important! When concluding a loan agreement, it is necessary to pay special attention to the issue of insurance. Each borrower will be insured by default, unless, before signing the contract, he notifies the bank of his refusal to use the insurer's services.

Any bank client – depositors, investors, borrowers – can use insurance services. You can learn more about the work of insurance protection on the credit institution’s website by downloading the document “Borrower Insurance Program” in the section with additional loan documentation.

The remote service rules allow you to connect or disconnect the service online – from your personal online banking account. The Tinkoff support service is also available to the borrower. When connecting, you must familiarize yourself with the tariffs and be prepared to write off 0.89% of the debt balance for each month.