What Sravni.ru does

Sravni.ru is a Russian online financial product comparison platform founded in 2008 and headquartered in Moscow. The company operates a self-serve digital platform that aggregates real-time rates and product details from Russian banks, insurance companies, and microfinance organizations (MFOs), enabling consumers to compare and apply for deposits, loans, credit cards, mortgages, insurance policies (OSAGO, KASKO, travel, medical, property), microloans, investment products (brokerage, NPF programs, life insurance), and business banking services across 24-59 financial institutions depending on product category. The platform includes 38+ distinct product categories supported by calculators (credit, deposit, mortgage, OSAGO), KBM verification, a proprietary credit rating service, and educational content through Sravni Journal. Mobile applications for iOS and Android extend the platform to on-the-go usage.

The platform is built on a financial product comparison engine that integrates with banks, insurers, and MFOs to deliver real-time rate aggregation, supplemented by user reviews and rating systems for banks, insurers, brokers, and MFOs. Notable technical components include sub-brands Sravni Labs (for agents and partners) and Sravni Education (for courses), suggesting an ecosystem approach beyond pure consumer comparison. The company employs a product-led growth (PLG) model with no sales intermediation — users can compare, calculate, and submit applications entirely through the web platform or mobile app.

Sravni.ru monetizes through three revenue streams: affiliate/referral fees from banks, insurers, and MFOs when users apply for or purchase products through the platform; advertising revenue from partner financial institutions for featured product placements; and lead generation through the sale of qualified leads to financial product providers. The consumer-facing service is free, with all revenue generated from the partner/B2B side. The company is privately held (OOO «Sravni.ru»), with no disclosed funding rounds, parent company, or revenue figures.

Name

Sravni.ru

Legal name

OOO «Sravni.ru» (ООО «Сравни.ру»)

Website

https://sravni.ru

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Sravni.ru is a Russian online financial product comparison platform founded in 2008 that aggregates real-time rates from 24-59 banks, insurers, and MFOs, enabling consumers to compare and apply for deposits, loans, mortgages, insurance, and microloans via a free self-serve website and mobile app.

Ownership category

akta.pro rank

Product category

Financial Product Comparison & Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

akta.pro secondary industries

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

Keywords

• Financial product comparison
• Deposit rate aggregator
• Insurance comparison platform
• Loan comparison service
• Credit rating service

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure

Revenue model

1. Referral/Affiliate Fees from Financial Institutions: Platform earns commissions from banks, insurance companies, and MFOs when users apply for or purchase financial products through the platform. Revenue model based on successful referrals.
2. Advertising Revenue: Partner financial institutions pay for advertising placement and featured product listings on the platform.
3. Lead Generation: Generation and sale of qualified leads to financial product providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Sravni.ru operates an online financial product comparison aggregator enabling Russian consumers to compare deposits, loans, credit and debit cards, mortgages, microloans, and insurance products (OSAGO, KASKO, property, travel, medical) from multiple banks, insurance companies, and MFOs. The platform provides comparison tools, financial calculators, credit rating checks, brokerage service comparisons, and a mobile application, with end-user access free of charge and monetization through referral fees, advertising, and lead generation from partner financial institutions.

Product overview

Sravni.ru is a comprehensive financial products comparison platform offering a unified ecosystem of tools and services. The core platform enables users to compare and select financial products including credits, deposits, mortgages, credit/debit cards, microloans, and insurance (auto, property, travel, medical). Supporting tools include various calculators (credit, deposit, mortgage, OSAGO) and KBM verification. The platform also features investment products (brokerage, NPF programs, investment and savings life insurance, digital financial assets), business banking services (registration, RKO, loans, guarantees, leasing, acquiring), and educational content through its Journal and expert Q&A sections. The service aggregates 408 deposit offers, 65 savings account offers, mortgage products from 59 banks, credit cards, insurance policies, and MFO loans, positioning itself as a comprehensive one-stop financial comparison marketplace with a mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• Sravni Labs: Platform for agents and partners to access Sravni's tools and services.
• Sravni Education

Products and services

• Credit/Loan Comparison (Кредиты) Comparison and selection service for personal loans, credit refinancing, loans with bad credit history, secured loans, and online loan applications from Russian banks. Aimed at individual consumers seeking consumer credit.
• Deposit Comparison (Вклады) Comparison of savings accounts, term deposits, investment deposits, and pension-related deposits from Russian banks for individual consumers.
• Savings Account Comparison (Накопительные счета) Comparison of savings accounts with daily interest accrual, flexible deposit and withdrawal options, and competitive interest rates from 43 Russian banks.
• Mortgage Comparison (Ипотека) Comparison of mortgage products from 59 Russian banks, including family mortgages, secondary housing, new construction, home construction loans, and mortgage refinancing. Targeted at individual homebuyers.
• Credit Card Comparison (Кредитные карты) Comparison of credit cards from Russian banks, including cards with cashback, instant approval, no income verification, installment cards, and virtual credit cards.
• Debit Card Comparison (Дебетовые карты) Comparison of debit cards, including cards with cashback, free maintenance, virtual cards, MIR cards, and cards with interest on balance.
• Microloan Comparison (Займы) Comparison of small loans from microfinance organizations (MFOs), including online loans, card loans, interest-free loans, loans with bad credit history, and vehicle PTS-secured loans.
• OSAGO (MTPL) Insurance Comparison (ОСАГО) Comparison and online purchase of compulsory motor third-party liability insurance (OSAGO) policies from multiple insurers, with potential savings up to 5,500 rubles.
• KASKO (Casco) Insurance Comparison (Каско) Comparison of full-coverage vehicle insurance (KASKO) offerings from multiple Russian insurance companies.
• Mortgage Insurance Comparison (Страхование ипотеки) Comparison of insurance policies required for mortgaged properties, with potential savings up to 40% on costs.
• Travel Insurance Comparison (Страхование путешественников) Comparison of travel insurance policies for international trips from multiple insurers.
• Apartment/Property Insurance Comparison (Страхование квартиры) Comparison of apartment insurance policies covering flooding and other risks from multiple insurance companies.
• Voluntary Medical Insurance Comparison (ДМС) Comparison of voluntary medical insurance (DMS) plans, including annual coverage, dental insurance, and telemedicine options.
• Critical Illness Insurance Comparison (Страхование от критических болезней) Comparison of insurance policies covering oncology and other critical diseases from multiple insurers.
• Tick Bite Insurance Comparison (Страхование от укуса клеща) Comparison of insurance policies covering tick bites and related medical expenses from multiple insurers.
• Auto Loan Comparison (Автокредиты) Comparison of auto loans from Russian banks for purchasing vehicles.
• Business Banking Services (Бизнес) Comparison and access to business banking services including business registration, cash management (RKO), business loans, bank guarantees, leasing, acquiring, and foreign economic activity (VED) services for SMBs and entrepreneurs.
• Counterparty Verification Service (Сервис проверки контрагента) Service for verifying business counterparties and assessing their reliability, targeted at SMBs and entrepreneurs.
• Brokerage Service Comparison (Брокерское обслуживание) Comparison of brokerage services, including brokerage account opening, broker ratings, and investment education for individual consumers.
• Investment Life Insurance (ИСЖ) Comparison of investment life insurance (ИСЖ) products combining insurance protection and investment components.
• Savings Life Insurance (НСЖ) Comparison of savings life insurance (НСЖ) products designed for long-term financial planning.
• NPF Pension Program Comparison (НПФ программы) Comparison of non-state pension fund (NPF) programs for retirement savings from Russian financial institutions.
• Long-term Savings Program (ПДС) Comparison of state long-term savings (ПДС) programs offered through non-state pension funds for retirement planning.
• Digital Financial Assets (ЦФА) Comparison of digital financial assets (ЦФА) investment products offered by Russian platforms.
• Currency Exchange Rates (Курсы валют) Real-time currency exchange rates for USD, EUR, and CNY against the ruble, including Central Bank reference rates.

Quantifiable outcome

• Users can compare savings accounts with rates up to 15.5% annually (July 2026 data)
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Russian Banks (Partner Network)coreChannel Partner/ Reseller/ DistributorExtensive network of bank partners including Sberbank, VTB, Gazprombank, Tinkoff, Alfa-Bank, and others. Banks provide deposit, loan, and credit card products featured on the platform. Revenue generated through referral fees when users apply for products.
• Russian Insurance Companies (Partner Network)coreChannel Partner/ Reseller/ DistributorNetwork of insurance company partners providing OSAGO, KASKO, property, travel, health, and other insurance products. Insurance products featured include mandatory and voluntary coverage options. Revenue generated through referrals and advertising.
• Microfinance Organizations (MFO Partner Network)minorChannel Partner/ Reseller/ DistributorPartnerships with MFOs (microfinance organizations) for microloan product comparisons. Platform features MFO ratings and online application capabilities for quick loans.
• PIK (PIK-SZ Developer)minorGTM or Marketing PartnerSpecial partnership with PIK developer for mortgage promotion on the platform. PIK mortgage products featured with advertising disclosure (PAO PIK SZ, INN 7713011336).
• Bank DOM.RFminorGTM or Marketing PartnerFeatured advertising partner for deposit products. Bank DOM.RF advertised deposit product at 14.5% annual rate for 3 months with disclosure (AO Bank DOM.RF, INN 7725038124).
• SberbankcoreChannel Partner/ Reseller/ DistributorMajor banking partner featured on the platform for deposits, loans, credit cards, and other products. Sberbank products including deposits (up to 10%), credit cards, and other financial services listed in comparisons.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bankiros.ru: Russian aggregator comparing loans, deposits, credit cards and microloans from multiple banks and MFOs. Closely overlapping product set and revenue model with Sravni.ru.
• Inguru: Russian insurance and loan comparison platform. Direct overlap on OSAGO, KASKO, personal loans and microloans with similar referral-based revenue model.
• Banki.ru: Russia's largest financial portal and product comparison platform. Direct competitor covering deposits, loans, mortgages, credit cards, insurance and broker ratings with similar affiliate/lead-generation monetization.
• Compare.ru: Russian price comparison site focused on insurance and banking products. Closely comparable aggregation and lead-generation business in the same market as Sravni.ru.

Broad incumbents

• Tinkoff Bank: Major Russian digital bank with proprietary product comparison, deposits, cards, brokerage and insurance offerings that compete for the same Russian consumer.
• NerdWallet: US financial comparison and content platform spanning credit cards, loans, banking, insurance and brokerage. Comparable business model pairing comparison tools with content for organic SEO acquisition.
• LendingTree: US-based financial comparison marketplace generating leads for lenders across loans, credit cards, insurance and deposit products. International comparable for marketplace model and affiliate economics.
• MoneySupermarket: UK-based price comparison platform covering insurance, banking, energy and broadband. International peer providing benchmark on category expansion from insurance into banking products.
• Yandex (YooMoney / Yandex Finance): Russian tech platform with financial service verticals including card comparison, insurance, and ticketing-adjacent financial products. Competes for high-intent Russian financial queries via search.
• Sberbank: Russia's largest bank and a key Sravni.ru partner. Operates its own deposit, loan, mortgage and insurance comparison surfaces, posing both as core distribution and a potential competitive threat.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedIncareer.sravni.ru/career

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sravni.ru