Bank Saint Petersburg

What Bank Saint Petersburg does

Bank Saint Petersburg (ПАО «Банк «Санкт-Петербург», traded as BSPB) is a Russian universal commercial bank founded in 1990 and headquartered in Saint Petersburg at 195112, Malookhtinsky prospect, d.64, lit. A. The bank operates under Bank of Russia General License No. 436 (issued 31 December 2014) and serves over 2 million retail clients and more than 50,000 corporate clients across Saint Petersburg, Leningrad Oblast, Kaliningrad, Moscow, and Novosibirsk, with corporate-client representatives in Kazan and Vladivostok. It is structured as a public joint-stock company (ПАО) with shares listed on Russian exchanges, and operates through a multi-channel distribution model that pairs physical branches, contact centers, and ATMs with digital channels including the i2B corporate internet bank, BSPB and BSPB Business mobile applications, and a PWA-based Internet Bank launched in 2026.

The product portfolio spans traditional retail banking (deposits such as the 12.6% 'Belye Nochi' ruble deposit, mortgages, consumer loans, debit and credit cards including the MIR Supreme and Platinum Cash Back cards), SMB and corporate services (RKO settlement packages such as Delovoy.Mobilniy, salary projects, business registration, holding-bank services, factoring, leasing, safe deposit boxes, and 1C integration through Direct BSPB), acquiring (internet from 0.99%, terminal from 0.9%, and SBP QR-code acceptance), and a foreign-trade (VED) franchise offering currency, commodity, and interest-rate hedging instruments plus the VED-360 platform targeted at China trade. Underlying technology includes ESMART cryptographic USB tokens and BS-Defender traffic protection for secure remote banking, recommendation technologies built on Yandex.Metrica analytics, and a multi-partner ecosystem of seven cloud cash-register providers (First KKM, PayKeeper, Business.Ru Online-Cheki, Evotor, LIFE PAY, Orange Data, Atol Online) plus nine acquiring/CMS integration partners for SMB merchant onboarding.

Revenue mechanics are typical of a diversified commercial bank: net interest spread on loans and deposits, transaction fees on acquiring (0.9-0.99% take rate), monthly subscription fees on RKO service packages, fees on B2B transfers, currency-exchange margins, and advisory/hedging fees on VED products. Marketing and customer acquisition run through VK, Telegram, and Max social channels, the ЯРКО loyalty program (up to 25% partner cashback), and the 'Лучше здесь' referral program paying 5,000 RUB per referred business account. Customer-segment focus is hybrid, with primary emphasis on retail private individuals and SMB, and a secondary but strategic focus on corporate clients, foreign-trade participants, premium/HNW clients, pensioners, and self-employed individuals.

Name

Bank Saint Petersburg

Legal name

ПАО «Банк «Санкт-Петербург»

Website

https://bspb.ru

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank Saint Petersburg (ПАО «Банк «Санкт-Петербург», BSPB) is a Russian universal commercial bank founded in 1990, serving 2M+ retail and 50K+ corporate clients across six regions via branches, i2B corporate internet banking, mobile apps, and a PWA internet bank, with deposits, lending, acquiring, salary projects, and foreign-trade hedging.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME & Business Cross-Border Payments (B2B) (FSAMAIAB)

Keywords

• Retail banking services
• Corporate banking
• Merchant acquiring
• Foreign trade services
• Digital banking

Headquarters

HQ city

Saint Petersburg

HQ country

Russia

HQ region

Europe

Offices6 records

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: Traditional banking revenue from interest-bearing products including consumer loans, mortgages, business credits, and overdraft facilities extended to retail and corporate clients.
2. Commission and fee income: Fees from payment processing, wire transfers, account maintenance, and currency exchange services for retail and corporate customers.
3. Merchant acquiring (acquiring): Revenue from processing card payments through internet acquiring (from 0.99%) and merchant/terminal acquiring (from 0.9%). Fees are charged as a percentage of transaction volume.
4. Foreign trade services: Revenue from currency risk management tools (forwards, options, swaps), currency exchange, and VED consulting services for international trade participants.
5. Deposits and savings products: The bank accepts customer deposits (вклады) as a core liability product, paying interest and earning the spread. Products include the 'Белые ночи' deposit at 12.6% annual rate.
6. Digital banking subscriptions and packages: Monthly service packages for corporate clients (РКО packages) with bundled services including payments, card management, and acquiring at fixed monthly fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Bank Saint Petersburg (BSPB) is a universal Russian commercial bank providing a full range of retail and corporate banking services. It offers deposits, debit/credit cards, mortgages, consumer loans, settlement accounts (RKO), merchant acquiring (internet, terminal, SBP), salary projects, business registration, and digital banking channels including internet bank, mobile apps, and PWA. Specialized offerings include foreign trade (VED) services such as currency/interest rate risk hedging, liquidity management, and the VED-360 platform for China trade support.

Product overview

Bank Saint Petersburg (BSPB/БСПБ) operates as a universal regional bank offering a comprehensive platform of banking products and services for both retail and corporate clients. The core product portfolio includes traditional banking services (deposits, credit cards, mortgages, consumer loans), digital banking channels (Internet Bank PWA, Mobile Banking, i2B Corporate Banking), and specialized business services (RKO settlement services, acquiring, salary projects, business registration). The bank's business services are built around an integrated ecosystem including Direct BSPB (1C integration), Holding Bank for corporate structures, and a range of acquiring solutions (internet, trade, SBP QR-payments). The offering extends to foreign trade services through currency/commodity risk management, interest rate hedging, and liquidity management tools. Premium services include the YARKO loyalty program (up to 25% cashback), MIR Supreme Business cards, and UnionPay Business Gold cards. The bank also provides complementary services such as factoring, leasing, collection services, and cloud-based online cash registers through partner integrations. The product architecture is modular, allowing clients to select individual services or comprehensive packages like Delovoy.Mobilniy.

Differentiator

Problem solved

Functional benefit

Brands

• ЯРКО: Bonus program offering up to 25% cashback on purchases at partners and up to 3% on all purchases with a salary card.
• ЕКП (Единая карта Петербуржца)
• i2B
• БСПБ Бизнес
• ВЭД-360

Products and services

• Internet Bank (Интернет-банк) Remote banking platform for private clients providing access to account operations, payments, and financial management on any device.
• Mobile Application BSPB Mobile banking app for smartphones enabling transfers, account opening, currency exchange, and daily financial tasks for retail clients.
• Settlement and Cash Services (РКО) Comprehensive business settlement services for SMEs and corporate clients including account management, payments, cash operations, and corporate card services.
• Deposit 'Belye Nochi' (Вклад «Белые ночи») Ruble retail deposit with 12.6% annual interest rate, available for terms of 3-6 months with monthly or end-of-term interest payments, sized 10,000₽-10,000,000₽.
• Internet Acquiring (Интернет-эквайринг) Online payment acceptance service for business websites supporting cards and QR codes, rates from 0.99% per transaction, with CMS integrations.
• Trade Acquiring (Торговый эквайринг) Card payment terminal services for physical retail points of sale, with rates from 0.9%, terminal equipment provided free of charge during contract.
• Internet Bank i2B Corporate internet banking platform for business operations including payments, product management, and bank communications 24/7 for SMB and corporate clients.
• Salary Project (Зарплатный проект) Payroll management service allowing salary disbursement to employees with free corporate cards, 1C module, and preferential lending rates for businesses.
• Business Registration (Регистрация бизнеса) Service for IE and LLC business registration with free digital signature, document preparation, personal manager support, and free account opening.
• Currency and Commodity Risk Management Foreign exchange and commodity risk hedging instruments including deliverable and non-deliverable forwards, currency options, corridors, and commodity swaps for VED clients.
• Liquidity Management Alternative instruments for placement and attraction of funds, including currency swap operations for ruble financing collateralized by foreign currency, for corporate clients.
• Loyalty Program 'YARKO' (Программа «ЯРКО») Bonus program offering up to 25% cashback at partners and up to 3% on all purchases with BSPB bank cards.
• Cloud Online Cash Register (Облачная онлайн-касса) Cloud-based cash register service for fiscalization of acquiring operations, with equipment rental from 1,350₽/month offered through partner providers for SMB compliance with 54-FZ.
• Business Card (Бизнес-карта) Corporate card for IP and legal entities with 5% cashback, 24/7 cash deposits and withdrawals, and card management controls.
• Referral Program 'Better Here' (Лучше здесь) Referral program offering 5,000 rubles per invited partner who opens a business account, including 3 months free service for new partners.
• VED-360 Platform (Площадка ВЭД-360) Foreign economic activity (VED) support platform providing services for businesses engaged in international trade with China and other countries, including consulting and documentation services.
• Holding Bank (Холдинг-банк) Consolidated banking service for holding companies enabling centralized management of subsidiary accounts and corporate treasury functions.

Quantifiable outcome

• Over 2 million retail clients and more than 50 thousand corporate clients served across Russia
• +3 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

AI capability3 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Первый ККМ (First KKM)coreTechnology or IntegrationCertified cloud cash register partner offering fiscalization services for Bank Saint Petersburg's merchant clients. Provides fixed-rate cloud cash register rental (1,410₽/month), fiscal storage device sales (14,000₽/15 months, 20,000₽/36 months), and free OFD service. Over 6 years in the market with professional service and support.
• PayKeepercoreTechnology or IntegrationCloud cash register and payment processing partner. Offers cloud cash register rental (1,520₽/month), fiscal storage devices (11,170₽/15 months, 16,950₽/36 months), and 1 year of free OFD service. Offers a mobile app that turns smartphones into online cash registers and bank terminals.
• Эвотор (Evotor)coreTechnology or IntegrationCloud cash register provider supporting FFD 1.2 with over 1 million entrepreneur users. Offers rental plans (from 1,750₽/month for up to 100 receipts, or 2,400₽/month unlimited), fiscal storage devices (12,000₽/15 months, 17,900₽/36 months), 24/7 support, and OFD service included.
• Берега Невы (Berega Nevy)minorImplementation/ SI/ Consulting PartnerAccounting outsourcing partner for business registration services. Offers accounting services starting from 1,000₽/month with a 10% discount for 2 months for Bank Saint Petersburg business clients.
• Юрист 24 (Yurist 24)minorImplementation/ SI/ Consulting PartnerLegal services partner providing 24/7 legal support for Bank Saint Petersburg business clients. Offers services starting from 390₽/month.
• Best DoctorminorImplementation/ SI/ Consulting PartnerMedical services partner offering DMI (voluntary health insurance) for Bank Saint Petersburg business clients. Plans from 19,950₽/year with 15% discount for 2 or more policies.
• ВСК (VSK Insurance)minorOthersInsurance partner offering card fraud protection ('Карточный сейф') with coverage up to 500,000₽ refund in case of fraud, and property and liability insurance from 1,000₽/quarter with coverage up to 2.3M₽.
• VED-360coreTechnology or IntegrationForeign trade support platform (https://ved-360.ru/) integrated with Bank Saint Petersburg's VED services. Provides comprehensive foreign trade support including consulting, event management, and documentation services for businesses engaged in international trade.
• ISBC Group (ESMART)coreTechnology or IntegrationSecurity technology provider whose ESMART Token product is used in Bank Saint Petersburg's i2B internet banking system for secure two-factor authentication and electronic digital signature. ISBC is a leading Russian developer of secure identification and access control solutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Promsvyazbank: Major Russian universal bank with strong corporate and SMB lending offering. Overlaps with BSPB in settlement services, payroll projects, and SME credit products nationwide.
• VTB Bank: State-controlled Russian universal bank with strong corporate, VED, and capital markets franchise. Directly comparable to BSPB in cross-border trade services and corporate lending, with materially larger balance sheet.
• Raiffeisenbank Russia: Subsidiary of Austrian Raiffeisen Bank International, serves retail and corporate clients in Russia. Comparable to BSPB in FX/VED services for corporate clients and in regional retail banking.
• Sberbank: Russia's largest universal bank, dominant in retail deposits, mortgage lending, and corporate banking. Competes with BSPB across the full product stack but at vastly greater national scale and ecosystem depth.
• Gazprombank: Top-3 Russian bank by assets, strong in corporate banking, project finance, and foreign trade services. Direct comparable for BSPB's VED, corporate lending, and treasury management offerings.

Direct peers

• T-Bank (Tinkoff): Leading Russian digital bank, dominant in retail cards, savings, and SMB. Competes head-on with BSPB for retail deposits and digital-native SMB clients, especially via superior app-based UX and cashback mechanics.
• Alfa-Bank: Large privately owned Russian commercial bank with strong SMB and corporate focus. Direct competitor in settlement services, acquiring, and corporate lending across the same Russian regions as BSPB.
• Rosbank: Major Russian universal bank with European heritage (Societe Generale), active in retail, premium, and corporate banking. Comparable to BSPB in Saint Petersburg market presence and wealth management offerings.
• Sovcombank: Russian universal bank with strong regional retail and SMB presence. Overlaps with BSPB in retail deposits, consumer credit, and SME services across Russian regions.
• Credit Bank of Moscow (MKB): Russian universal bank with strong corporate and SMB focus, including acquiring and settlement services. Direct peer for BSPB's core SMB and corporate banking franchise in Moscow and federal regions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bank_spb
• Facebookfacebook.com/bspb
• LinkedInlinkedin.com/company/bank-of-saint-petersburg

Compliance3 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

Investments2 records

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

Frequently asked questions about Bank Saint Petersburg