What Domrf Bank does

Domrf Bank (АО «Банк ДОМ.РФ») is a Russian universal mortgage and construction bank operating under the DOM.RF (ДОМ.РФ) state development corporation, holding Universal Banking License No. 2312 from the Central Bank of Russia dated December 19, 2018. The bank serves two primary customer segments: retail individuals (mortgages, consumer loans, deposits at up to 14.5% annually, debit and credit cards, premium banking, and escrow services for real estate transactions) and small/medium businesses (business mortgages up to 30 years, working capital lines from 11.25%, specialized government-subsidized programs such as OKN restoration loans from 6% and Industrial Mortgage under the Минпромторг program up to 500 million RUB, plus merchant acquiring, the Fast Payment System/СБП with 0–0.7% commission, and special accounts for government procurement participants under 44-ФЗ and 223-ФЗ).

The bank's technology stack centers on conventional digital banking infrastructure: mobile applications for iOS and Android, an Internet Bank platform for business clients with 1C DirectBank integration enabling automated accounting reconciliation, RUTOKEN-based digital signatures for corporate clients, and QR-code payment acceptance via SBP. Distribution spans a national branch and ATM network covering 1500+ Russian cities, dedicated premium 24/7 telephone banking, and social media presence on VK, OK, and Yandex Zen. The bank is integrated with major electronic trading platforms (Sberbank ATS, ЭТП, ТЭК, АГЕРТ, Росдолг, РАД, Фабрикант, АСТ) and is authorized to hold special accounts for self-regulatory organizations (SROs) in construction under Russian Government Decree No. 662.

Revenue is generated through four primary streams: interest income from lending (mortgages, business loans, consumer credit), deposit operations at rates up to 14.5% providing a stable funding base, commission income from payment services, acquiring (0.8% take rate), salary projects, currency operations, and settlement account maintenance, and premium banking subscription services. The bank's value proposition rests on state-backed positioning within the DOM.RF ecosystem, privileged access to government-subsidized mortgage and construction programs, differentiated escrow services for real estate transactions, and a comprehensive SME lending suite targeting construction, cultural heritage restoration, and industrial real estate verticals.

Name

Domrf Bank

Legal name

АО «Банк ДОМ.РФ»

Website

https://domrfbank.ru

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Domrf Bank is a Russian universal mortgage and construction bank operating as the dedicated banking arm of the DOM.RF state development corporation, serving retail individuals with mortgages, deposits, and cards, and SMEs with business loans, escrow services, and government-procurement accounts across Russia.

Ownership category

akta.pro rank

Product category

Mortgage and Construction Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218), Nondepository Credit Intermediation (5222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Retail banking services
• Mortgage lending
• SME banking
• Construction financing
• Escrow accounts

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from mortgage lending, business loans (business mortgage, working capital, investment construction, industrial mortgage, ОКН restoration), and consumer credit products with various interest rates.
2. Deposit Operations: Attracting customer deposits with rates up to 14.5% annually for new funds, generating stable funding base.
3. Commission Income: Fees from payment services, acquiring operations (merchant services), salary projects, currency operations, settlement account maintenance, and special account services for government procurement.
4. Premium Banking Services: Dedicated premium banking services with 24/7 exclusive hotline for premium clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Domrf Bank is a universal mortgage and construction bank that operates under Central Bank of Russia license No. 2312 and provides retail banking products (mortgages including ИЖС with escrow, consumer loans, deposits at up to 14.5% p.a., debit and credit cards, premium banking, escrow accounts) and a comprehensive SME banking line (business current accounts, business mortgage, working capital credit lines, government contract loans, industrial mortgage under Минпромторг, ОКН cultural heritage restoration loans, ИЖС contractor credit, acquiring, SBP QR payments, payroll projects, and special accounts for procurement, SROs and capital repair funds). The bank also offers digital channels including mobile banking apps and an Internet Bank for Business with 1C DirectBank integration.

Product overview

Банк ДОМ.РФ (Domrf Bank) is a universal mortgage and construction bank operating under a Central Bank of Russia license. Its product portfolio is organized into two main segments: retail banking (private individuals) and corporate/SME banking. Retail products include mortgages (including ИЖС с эскроу and the ОКН restoration loan program), consumer loans, deposits (up to 14.5%), debit and credit cards, and a Premium banking tier. The bank's corporate and SME offering is extensive, covering business current accounts (РКО), foreign trade services, multiple specialized deposit accounts (for procurement participants under 44-ФЗ/223-ФЗ, for payment agents, for self-regulatory organizations, and for capital repair funds), a full suite of business credit products (business mortgage up to 30 years, working capital credit lines, express overdraft, express credit, government contract loans, ИЖС-Подряд construction credit, industrial mortgage under Минпромторг, investment construction credit, and business refinancing), merchant acquiring (terminal and QR-code based), the Fast Payment System (СБП) for QR payments, payroll project services, a business card, and an Internet Bank platform with 1C DirectBank integration. The bank also provides ancillary services such as escrow accounts, insurance intermediation, safe deposit boxes, letters of credit, and depository services.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage (Ипотека) Standard and government-subsidized mortgage loans for purchasing residential property, including new construction and secondary housing, targeted at individual retail customers.
• ИЖС с эскроу (Individual Housing Construction with Escrow) Mortgage product paired with an escrow account enabling safe financial settlements with contractors during individual residential house construction for retail customers building their own homes.
• Кредит на восстановление ОКН (Cultural Heritage Restoration Loan) Subsidized lending program for legal entities and individual entrepreneurs owning or holding rights to cultural heritage sites (ОКН), with preferential rates from 6% per annum and minimum amounts from 0.5 million RUB.
• Кредит наличными (Consumer Loan) Unsecured personal loans for consumers, offered with quick decision-making and no collateral or guarantor requirements for retail customers.
• Вклады (Deposits) Savings term deposits with rates up to 14.5% per annum on new funds for retail customers.
• Дебетовая карта (Debit Card) Debit card for retail customers for everyday payments and cash withdrawals.
• Кредитная карта (Credit Card) Credit card products for retail customers, including promotional offers.
• Эскроу (Escrow) Escrow account services for secure settlements in real estate transactions, including construction and sale of residential property, available to individuals and developers.
• Премиум (Premium Banking) Premium banking services and dedicated 24/7 hotline for high-net-worth and premium-segment retail clients.
• Реализация имущества (Property Sales) Platform for the sale of bank-owned real estate and other assets, including repossessed and developer properties.
• Бизнес-ипотека (Business Mortgage) Commercial real estate mortgage for legal entities and individual entrepreneurs, with terms up to 30 years and rates from 10%, covering trading, office, residential-for-business, production, and warehouse properties.
• Оборотный МСП (Working Capital Credit Line for SME) Revolving credit line for small and medium enterprises to fund working capital, with rates from 11.25% and terms up to 36 months.
• Экспресс-Овердрафт (Express Overdraft) Short-term overdraft facility for small businesses with rates from 23% and repayment periods up to 90 days.
• Экспресс-Кредит (Express Credit) Fast unsecured credit product for small businesses with quick approval.
• Рефинансирование (Business Refinancing) Refinancing of existing business loans secured by real estate, with rates from 23.75% per annum, amounts up to 50 million RUB, and terms up to 180 months.
• Кредит на исполнение контракта (Government Contract Loan) Credit to fund the execution of government contracts under 44-ФЗ, 223-ФЗ, and 615-ПП, with rates from 16.25% and amounts up to 100 million RUB.
• ИЖС-Подряд (Individual Housing Construction — Contractor) Revolving credit line for contractors building individual residential houses under subcontract agreements with escrow accounts, with rates from 7%; contractors can register on the СТРОИМ.ДОМ.РФ superservice platform to access clients nationwide.
• Промышленная ипотека (Industrial Mortgage — Минпромторг Program) Subsidized industrial mortgage program backed by the Ministry of Industry and Trade (Минпромторг), with credit terms up to 7 years and amounts up to 500 million RUB.
• Инвестиционный кредит на строительство (Investment Credit for Construction) Credit for commercial real estate construction, with terms up to 10 years, amounts up to 100 million RUB, and rates from 10.75%; accepts land plots and constructed buildings as collateral.
• Кредитные каникулы для бизнеса (Business Credit Holidays) Credit relief program for business clients allowing temporary suspension of loan payments under regulatory provisions.
• Зарплатная карта (Salary Card) Corporate salary card linked to the bank's payroll project, enabling employers to disburse salaries to employees with fast crediting and free transfers from other banks.
• Счёт для бизнеса / РКО (Business Current Account) Business current account (расчётный счёт) for legal entities and individual entrepreneurs, with free account opening for new clients and tiered service packages (Standard, Comfort, Business Class).
• Валютный счёт / ВЭД (Foreign Currency Account and Foreign Trade Services) Foreign currency accounts and services supporting foreign economic activity (ВЭД), including currency control and international payment processing for SME clients.
• Специальный счёт участника закупок (Special Account for Procurement Participants) Special bank account required for participation in government procurement under 44-ФЗ and 223-ФЗ, with interest on balances up to 2% and integration with electronic trading platforms.
• Специальный счёт платёжного агента (Special Account for Payment Agents) Special account for payment agents, sub-agents, and suppliers operating under Russian payment agent legislation, with account opening at 1,300 RUB and maintenance up to 1,000 RUB.
• Специальные счета для СРО (Special Accounts for Self-Regulatory Organizations) Special accounts for self-regulatory organizations (СРО) in construction and other industries, compliant with Russian Government Decree No. 662 of 28.04.2021.
• Специальный счёт для формирования фонда капремонта (Special Account for Capital Repair Fund) Special deposit account for housing associations (HOA, management companies, housing cooperatives) to accumulate and manage capital repair funds for apartment buildings, with free account opening and maintenance.
• Бизнес-карта (Business Card) Corporate debit card for business payments, enabling 24/7 access to business account funds, cash withdrawals at any ATM, and fast in-app PIN setup; as of March 2026, daily cash withdrawal limit raised to 300,000 RUB.
• Система быстрых платежей / СБП (Fast Payment System) QR-code-based payment acceptance service allowing businesses to receive instant payments from customers without cards or terminal equipment, with commission from 0% to 0.7% depending on business type.
• Торговый эквайринг (Merchant Acquiring) Payment terminal services for accepting card and QR-code payments at physical retail locations, with commissions from 0.8% and 24/7 support; the bank provides fixed, portable, and vending terminals as well as internet acquiring.
• Интернет-Банк (Internet Bank for Business) Online banking platform for business clients, supporting account management, payments, digital signatures via tokens (RUTOKEN), crypto plugin authentication, and integration with 1C accounting systems.
• Мобильное приложение (Mobile Banking App) Mobile banking application for iOS and Android devices, enabling account access, payments, and banking services on mobile platforms.
• 1С Директ Банк (1C DirectBank) Integration service enabling 1C accounting software to connect directly to the bank's online banking system for automated payment submission and statement retrieval.
• Зарплатный проект (Payroll Project) Corporate payroll service enabling employers to disburse salaries to employee cards, including those at other banks, with fast crediting from 1 minute, free transfers from other banks, and card delivery to 1,500+ locations.
• Сертификаты Минцифры России (Ministry of Digital Development Certificates) Guidance and instructions for installing Russian government-issued digital certificates (from the National Certification Center of the Ministry of Digital Development) required for secure access to Russian web resources, including through Yandex Browser.
• Страхование (Insurance Services) Insurance products and services for private and corporate clients, with a 60-business-day accreditation process for insurance companies seeking to partner with the bank.
• Кредитные каникулы (Credit Holidays for Individuals) Regulatory credit relief program allowing individual borrowers to temporarily suspend loan payments.
• Аккредитив (Letter of Credit) Letter of credit service for secure commercial transactions, particularly in real estate deals.
• Сейфовые ячейки (Safe Deposit Boxes) Safe deposit box rental for secure storage of valuables and cash.
• Депозитарное обслуживание (Depository Services) Custody and depository services for securities, including stock market operations and storage of client securities.
• Фондовый рынок (Stock Market Services) Securities trading and investment services, including brokerage services for buying and selling securities on the stock market.

Quantifiable outcome

• Deposit rates up to 14.5% annually for new funds
• +5 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Electronic Trading Platforms (ETP)coreTechnology or IntegrationDomrf Bank provides special accounts for government procurement participants with integration to electronic trading platforms including Sberbank ATS, ЕТП, ТЭК, АГЕРТ, Росдолг, РАД, Фабрикант, and АСТ. These platforms are used for electronic procurement procedures under 44-ФЗ and 223-ФЗ regulations.
• Self-Regulatory Organizations (СРО)coreOthersDomrf Bank serves as an authorized bank for self-regulatory organizations in construction, meeting the requirements of Russian Government Resolution № 662 dated April 28, 2021. The bank provides special accounts for SRO members for member contributions and guarantee fund management.
• 1CcoreTechnology or Integration1C DirectBank integration allows business clients to conduct banking operations directly from 1C accounting software, enabling seamless financial management and automated payment processing.
• Insurance CompaniescoreOthersDomrf Bank collaborates with accredited insurance companies for credit risk insurance and property insurance related to mortgage and business lending products. The bank has accreditation procedures for insurance company partners with 60 business days review period.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• VTB Bank: Second-largest Russian state-owned universal bank with a sizable mortgage and SME franchise. Directly comparable to Bank DOM.RF as a state-affiliated universal bank competing in mortgages, corporate lending, and government-procurement accounts.
• Sberbank: Russia's dominant universal bank and largest mortgage originator, offering the full retail and SME stack that Bank DOM.RF also provides. It is the most direct competitor in deposits, mortgages, cards, and government-salary projects, though its scale and state ownership make it a far broader incumbent than the niche-focused Bank DOM.RF.
• Alfa-Bank: Largest privately-owned Russian universal bank with significant retail and SME operations, including mortgages, deposits, acquiring, and corporate accounts. Comparable as a full-service universal competitor across Bank DOM.RF's product lines.
• Raiffeisenbank Russia: Russian subsidiary of Raiffeisen Bank International offering universal retail and SME banking including mortgages and corporate accounts. Comparable as a universal bank competing for retail deposits, mortgages, and SME services.
• Promsvyazbank: Russian state-owned bank focused on defense-sector and large corporate lending, with a growing retail and SME presence. Overlaps with Bank DOM.RF in mortgage origination, SME lending, and government-contract banking.
• Gazprombank: Top-3 Russian universal bank with broad retail, SME, and corporate offerings including mortgage origination and acquiring. Comparable as a large-scale incumbent competing across most of Bank DOM.RF's product categories.
• Rosselkhozbank (Russian Agricultural Bank): State-owned Russian bank with a mandate for agricultural and rural lending and a universal retail/SME product suite. Comparable as a state-mandated specialized bank expanding into universal banking, similar to Bank DOM.RF's housing-finance mandate.

Emerging players

• T-Bank (Tinkoff): Russia's leading digital-first neo-bank with strong retail and SME presence in cards, deposits, payments, and small-business banking. Comparable as a competitor in digital banking UX, deposits, cards, and SME acquiring/SBP services.
• Absolut Bank: Russian bank historically specialized in mortgage and construction finance, later expanding into SME and corporate banking. Closely comparable to Bank DOM.RF's housing-finance specialization and SME mortgage focus.

Regional players

• RNKB (Russian National Commercial Bank): Large regional Russian bank with strong presence in Crimea and Southern Russia, offering retail, SME, and government-program lending. Comparable as a Russian state-linked bank participating in subsidized government lending programs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/bankdrf
• LinkedInlinkedin.com/company/domrfbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Domrf Bank