Bankiros

What Bankiros does

Bankiros (operated by OOO «ARSfin») is a Russian financial product aggregator and comparison platform founded in 2015 and headquartered in Moscow at Butlerova Street 17, BC Neo Geo. The platform aggregates offerings from 358 Russian banks and 814 financial organizations, providing comparison and online application tools across consumer credits, mortgages, deposits, credit and debit cards, microloans, auto loans, insurance (OSAGO and life), investments (IIS, brokers, NPF, stocks, bonds, gold), currency and cryptocurrency rates, and SME/business banking services including RKO, acquiring, factoring, leasing, business registration, and foreign economic activity support.

The technology stack is described as a software complex for multifunctional user ecosystems based on intelligent data analysis and artificial intelligence technologies, incorporating a product comparison engine, a real-time currency aggregator sourcing from Russian banks and Moscow Exchange, financial calculators (credit, mortgage, deposit, microloan), online application routing to partner banks, and credit history monitoring. Mobile applications are available on iOS, Android, Google Play, App Store, and the Russian RuStore. The platform is accessed via a self-serve product-led motion with heavy reliance on SEO-driven organic acquisition and content distribution across Telegram, VKontakte, Odnoklassniki, Yandex.Dzen, and the MAX platform.

The business model is a free-to-consumer aggregator monetized through affiliate referral commissions earned when users originate credit, deposit, card, microloan, or insurance applications through the platform to partner banks and insurance companies, supplemented by display advertising and sponsored listings. Primary customers are Russian individual consumers seeking to compare and apply for financial products; a secondary segment comprises individual entrepreneurs and small/medium businesses comparing business banking solutions. The company remains privately held, with no disclosed funding rounds, parent company, or shareholder structure.

Name

Bankiros

Legal name

OOO «ARSfin» (ООО «АРСфин»)

Website

https://bankiros.ru

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Bankiros is a Russian financial product aggregator and comparison platform operated by OOO «ARSfin» that aggregates offerings from 358 banks and 814 financial organizations, enabling consumers and SMEs to compare and apply for credits, mortgages, deposits, cards, insurance, investments, and business banking services.

Ownership category

akta.pro rank

Product category

Financial Product Comparison Platform

NAICS

Credit Intermediation and Related Activities (522), Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Personal Financial Management & Budgeting (PFM) (FSAGAAAH)

Keywords

• Financial product comparison
• Banking aggregator platform
• Loan comparison service
• Insurance comparison platform
• Financial marketplace Russia

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Affiliate Referrals: Platform earns commissions when users apply for or purchase financial products (credits, cards, insurance) through the platform to partner banks and insurance companies
2. Advertising: Display advertising and sponsored listings from financial institutions and insurance companies
3. Advertising Partnerships: Third-party advertising and promotional partnerships with financial sector advertisers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Bankiros operates a financial product aggregation and comparison platform that catalogs banking, lending, insurance, investment, and currency products from 358 Russian banks and 814 financial organizations. The platform enables individual consumers and small businesses to compare offerings such as consumer credits, mortgages, deposits, credit and debit cards, microloans, auto loans, insurance, investments, and currency or cryptocurrency rates, and to submit online applications directly to partner banks and insurers. Revenue is generated via affiliate commissions on referred applications and display advertising rather than from direct sale of financial products.

Product overview

Bankiros is a financial product aggregator and comparison platform operating as a multifunctional user ecosystem based on intelligent data analysis and artificial intelligence technologies. The platform aggregates and displays financial products from 358 Russian banks, MFOs, insurance companies, and other financial organizations. The core offering consists of comparison and selection tools for consumer loans, mortgages, credit cards, debit cards, deposits, microloans, auto loans, insurance (including OSAGO), investments, and business services including RKO (business accounts), acquiring, factoring, and leasing. The platform also provides real-time currency and cryptocurrency rates, loan repayment services, and business registration services. The product portfolio includes 352 banks, 814 financial organizations, 490 credits, 343 mortgages, 120 credit cards, and 1,503 deposits.

Differentiator

Problem solved

Functional benefit

Products and services

• Credits / Loans Aggregator (Кредиты) Aggregator platform offering access to more than 1,323 consumer loans, auto loans, and mortgages from 358 Russian banks with online application capabilities, for Russian individuals seeking credit products.
• Mortgage Aggregator (Ипотека) Mortgage products aggregator featuring 343 mortgage offerings from Russian banks with calculators and refinancing options, targeted at Russian individuals planning home purchases or refinancing.
• Credit Cards Aggregator (Кредитные карты) Platform providing access to over 120 credit cards from 53 banks with features including virtual cards, grace period comparison, and cashback offerings, for Russian consumers seeking credit card products.
• Debit Cards Aggregator (Дебетовые карты) Aggregator for over 449 debit cards from 125 banks offering cashback, interest on balance, and various card network options including МИР and UnionPay, targeted at Russian consumers.
• Deposits Aggregator (Вклады) Savings platform aggregating 1,503 deposit offerings from 358 Russian banks with calculators and online deposit capabilities, for Russian individuals comparing savings products.
• Microloans Aggregator (Займы) Microloan aggregator connecting users with MFO partners including Moneyman, Zaymer, and Lime-zaim, with loan calculators and online applications, for Russian consumers seeking short-term microloans.
• Currency Exchange Rates (Курсы валют) Real-time currency exchange rate aggregator displaying rates from Russian banks and the Central Bank of Russia for USD, EUR, CNY, and other currencies, with Moscow Exchange integration.
• Investments Platform (Инвестиции) Investment products platform covering stocks, bonds, gold bullion, IIS (individual investment account), brokers, and non-state pension funds, for Russian retail investors.
• Insurance Products (Страхование) Insurance products including life and health insurance, OSAGO auto insurance with e-policy issuance, and savings insurance programs through partner Renessans, distributed via OSAGO partners including Rosgosstrakh, VSK, Ingosstrakh, Sogaz, and 20+ other insurers.
• Auto Loans Aggregator (Автокредиты) Auto loan aggregator with government support programs, collateral-free options, and without CASCO requirements, for Russian consumers purchasing vehicles.
• Business Account Services RKO (РКО) Business current account services for IP (individual entrepreneurs) and OOO (limited liability companies) with online tariffs and account opening, for Russian SMB owners.
• Acquiring Services (Эквайринг) Payment terminal and internet acquiring services for merchants through banking partners, targeted at Russian SMBs processing card payments.
• Factoring Services (Факторинг) Factoring services for small and medium business owners through banking partners, for Russian SMBs managing receivables and cash flow.
• Leasing Services (Лизинг) Leasing services for legal entities and individual entrepreneurs including passenger vehicles and calculators, for Russian SMBs acquiring vehicles and equipment.
• Business Registration (Регистрация бизнеса) Online business registration services for IP (individual entrepreneurs) and OOO (limited liability companies) through banking partners, for Russian entrepreneurs establishing new entities.
• Loan Repayment Service (Погашение кредитов) Online payment service for credit and microloan repayments available 24/7 with phone number-based debt identification, for Russian borrowers servicing existing loans.
• Bankiros Mobile App (Мобильное приложение) Mobile application available on Google Play, App Store, and Russian RuStore for iOS and Android devices, providing access to all Bankiros comparison and application functionality for users on the go.
• Cryptocurrency Rates (Криптовалюты) Cryptocurrency price tracking for Bitcoin and Ethereum with real-time rates, for Russian users monitoring crypto market prices.

Quantifiable outcome

• Covers 358 banks and 814 financial organizations in Russia
• +1 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

AI capability2 records

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Renessans (Nakopleniya)minorGTM or Marketing PartnerPartnership section for long-term savings programs and pension products. Partner provides investment products promoted on Bankiros platform.
• Renessans Life (Strakhovaniye)minorGTM or Marketing PartnerInsurance partner section for life and health insurance products. Partner provides insurance offerings promoted on Bankiros platform.
• 358 Russian Banks (Partner Network)coreChannel Partner/ Reseller/ DistributorExtensive network of 358 Russian banks enabling credit cards, loans, mortgages, deposits, and other banking product applications through the platform. Users can submit online applications directly to partner banks.
• Insurance Companies (OSAGO Partners)coreChannel Partner/ Reseller/ DistributorNetwork of insurance partners including Rosgosstrakh, VSK, Absolut Strahovanie, AlphaStrahovanie, Ingosstrakh, Sberstrahovanie, Sogaz, Renaissance, and 20+ others for OSAGO and life insurance products.

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Banki.ru: Long-established Russian financial portal and forum offering banking product information, comparison tools, and consumer reviews. Operates similar aggregation and content-led discovery mechanics as Bankiros.
• Sravni.ru: Russia's largest financial product aggregator, offering side-by-side comparison of loans, mortgages, credit cards, deposits, and insurance from Russian banks. Direct competitor to Bankiros with similar product breadth and affiliate revenue model.
• Bankiros.sravni (Sravni Group) — Vbr.ru: Russian financial aggregator focused on bank ratings, loan, deposit, and card comparisons. Operates a similar affiliate-driven aggregation model targeting Russian consumers.
• Сравни.ру / Compare.ru (Sravni Group products): Russian insurance and financial product aggregator within the Sravni group, covering OSAGO, life insurance, and banking products. Comparable affiliate-driven product with overlapping categories.

Broad incumbents

• Bankrate: Red Ventures-owned U.S. financial comparison platform publishing rates, calculators, and product comparisons across banking, mortgages, and credit cards. Comparable content-plus-comparison business model.
• LendingTree: U.S.-based financial product aggregator connecting consumers with lenders across loans, credit cards, mortgages, and insurance. Comparable marketplace-driven affiliate monetization model applied to a different geography.
• Yandex (Financial Vertical): Yandex integrates financial product comparison into its broader search and super-app ecosystem, including currency rates and product listings. A broad incumbent with comparable search-driven financial discovery in Russia.

Regional players

• MoneySuperMarket (Moneysupermarket Group): UK-based financial comparison platform operating across insurance, banking, and credit products. Comparable aggregator business model and affiliate economics, though serving a different geography.

Others

• InvestFuture / Finam analytical platforms: Adjacent Russian financial information and investment research platforms (e.g., BCS Express, Finam) that blend market data, news, and product discovery. Thematically related as financial content hubs even if not direct competitors.

Emerging players

• Bankmap.ru / Banki.ru Marketplace: Russian online banking comparison platform offering product aggregation across consumer and business banking. Comparable narrower Russian aggregator targeting similar customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bankiros_ru
• YouTubeyoutube.com/@bankiros
• Facebookfacebook.com/bankiros

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Bankiros