Russian Standard Bank
Russian Standard Bank is a privately held Moscow-based retail bank founded in 1999 that provides consumer loans, credit cards, deposits, and digital banking services to Russian individuals through 150+ branches and mobile/internet channels. It serves over 500,000 depositors with a 10,000+ person workforce under a Bank of Russia universal license.
- Company typePrivate
- Founded2000
- HeadquartersMoscow, Russia
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What Russian Standard Bank does
Russian Standard Bank (JSC "Bank Russian Standard" / АО «Банк Русский Стандарт») is a privately held Russian retail bank founded in 1999, headquartered in Moscow, operating under universal banking license No. 2289 from the Bank of Russia (indefinitely renewed September 4, 2024). The bank operates a universal consumer banking franchise built around three core product pillars: unsecured cash loans (up to 3,000,000 rubles at 24.9%-65% APR), credit cards issued on the Mir, Visa, Mastercard, American Express, and UnionPay networks (flagship products include Mir v karmane, Mir, and Mir Supreme), and a deposit/savings book (term deposits up to 13.8% annually, savings account up to 15%). It serves over 500,000 depositors across a network of more than 150 branches nationwide, with a stated headcount of 10,000+ employees.
The bank operates a digital-plus-physical platform model. Digital channels include a full-featured internet banking platform (Russian Standard Online), iOS/Android mobile apps, SBP (System of Rapid Payments) integration for instant transfers, and InfoMail email notification services. The technology stack is conventional banking infrastructure; no proprietary AI/ML capabilities, public APIs, or SDKs are disclosed. The bank runs the RS Cashback loyalty program offering up to 70% cashback at partner merchants, and has extended into adjacent ecosystem services including a travel portal (travel.rsb.ru), insurance subsidiary (rsinsurance.ru), gift cards (daricard.ru), and a 24/7 concierge service for premium clients. Distribution spans branches, courier delivery, a 24/7 call center, internet and mobile banking, and a Rutube video channel.
Revenue is generated primarily through net interest income from consumer lending (unsecured cash loans, secured property loans up to 10,000,000 rubles, and revolving credit card balances), supplemented by card service fees (annual fees, transaction fees, FX fees), the deposit interest rate spread, and commission income from insurance product placement. Pricing is individualized, with a sharp 40-point differential between salary-transfer customers (24.9% APR) and non-customers (65% APR), indicating a deliberate strategy to capture primary-banking relationships. The customer segmentation approach is horizontal, targeting mass-market retail individuals as the primary segment, with secondary focus on Premium/Priority Banking, Private Banking for HNW clients, and SMB banking through a dedicated business portal.
Russian Standard Bank firmographics
Firmographics- Name
- Russian Standard Bank
- Legal name
- Joint-Stock Company Bank Russian Standard (АО «Банк Русский Стандарт»)
- Website
- https://rsb.ru
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Russian Standard Bank is a privately held Moscow-based retail bank founded in 1999 that provides consumer loans, credit cards, deposits, and digital banking services to Russian individuals through 150+ branches and mobile/internet channels. It serves over 500,000 depositors with a 10,000+ person workforce under a Bank of Russia universal license.
- Ownership category
- akta.pro rank
Russian Standard Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Credit Card Issuing (52221)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Cards & Revolving Credit (FSABAAAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Digital Retail Banking (Online & Mobile) (FSABAAAF)
Keywords
Where Russian Standard Bank is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices2 records
Markets served
Russian Standard Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income from Lending: Primary revenue from interest charged on consumer loans, including unsecured cash loans (24.9%-65% annual rate), secured loans against property, and credit card revolving credit
- Card Service Fees: Annual card maintenance fees, transaction fees, cash withdrawal fees, and foreign exchange fees across credit and debit card products
- Deposit Operations: Interest rate spread between borrowing costs and lending rates; deposits in rubles and USD
- Insurance Services: Commission income from insurance product placement including life, accident, and financial risk insurance programs
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Unsecured Cash Loan: до 3,000,000 rubles, 24.9%-65% annually, terms 1-60 months |
| Subscription | Monthly | Secured Loan Against Property: до 10,000,000 rubles, up to 10 years term |
| Subscription | Annual | Deposit 'Новый доход': 13.8% annually, 91 days, from 10,000 rubles |
| Subscription | Monthly | Credit Card 'Мир в кармане': до 600,000 rubles credit limit, 10% cashback |
| Subscription | Monthly | Credit Card 'Мир': до 1,000,000 rubles, forever free |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Russian Standard Bank product offering
Product offeringCore offering
Russian Standard Bank operates as a universal retail bank offering consumer financial products and services to individual customers across Russia. The bank's core offering includes unsecured cash loans (up to 3,000,000 rubles), real-estate-secured loans (up to 10,000,000 rubles), credit and debit cards issued on multiple payment systems (Mir, Visa, Mastercard, American Express, UnionPay), term deposits in rubles and US dollars, and savings accounts. Digital banking is delivered through internet and mobile banking platforms with features such as 5-minute online loan decisions, instant SBP transfers, and an integrated RS Cashback loyalty program.
Product overview
Russian Standard Bank (Банк Русский Стандарт) operates as a universal bank offering a comprehensive portfolio of consumer banking products and services. The core product lineup includes unsecured cash loans (up to 3,000,000 rubles) and secured real estate loans (up to 10,000,000 rubles); credit cards on the Mir, Visa, Mastercard, and American Express payment systems including flagship products like Мир в кармане, Мир, and Mir Supreme with various cashback and benefits programs; and debit cards with the primary product being Банк в кармане and its digital variant Банк в кармане Цифровая featuring up to 70% partner cashback and up to 15% annual yields. The bank offers term deposits in rubles and US dollars (91-1080 day terms, up to 13.8% annually) under brands Новый доход, Новые деньги, and Пенсионный, plus demand deposits (Nakopitelny schet) with up to 15% yield. Digital banking is delivered through Internet Banking (Русский Стандарт Онлайн) and Mobile Banking apps for iOS/Android. The ecosystem is complemented by the RS Cashback loyalty program (up to 70% partner cashback), the travel portal (travel.rsb.ru), insurance services (rsinsurance.ru), SMS/email notifications, and credit refinancing options. The bank also offers specialized travel cards (RSB Travel, Аэрокарта) and serves business clients through business.rsb.ru. The architecture follows a platform-plus-modules approach where the core banking services are accessed through integrated digital channels with add-on features like credit holidays, insurance, and concierge services.
Differentiator
Problem solved
Functional benefit
Brands
- RS Cashback: Cashback rewards program for cardholders offering cashback on purchases
- Mir Supreme
- Мир в кармане
- Банк в кармане
- RSB Travel
- Russian Standard Online
Products and services
- Cash Loan (Кредит наличными) Unsecured personal loan for any purpose with amounts up to 3,000,000 rubles, online approval in 5 minutes, and proceeds credited to a free debit card. Annual rate 24.9% with salary transfer to the bank, up to 65% without; terms 1-60 months.
- Secured Real Estate Loan (Кредит под залог недвижимости) Loan secured by real estate with amounts up to 10,000,000 rubles and terms up to 10 years for any purpose.
- Credit Card «Мир в кармане» (Mir v karmane) Credit card on the Mir payment system with credit limit up to 600,000 rubles, 10% cashback in popular categories, 0% commission for transfers and cash withdrawal, and free card service.
- Credit Card «Мир» (Mir) Free-for-life credit card on the Mir payment system with up to 1,000,000 rubles credit limit, up to 10% cashback in selected categories, up to 70% cashback at partners, and interest-free installments up to 24 months.
- Mir Supreme Premium Credit Card Premium credit card on the Mir payment system with credit limit up to 2,000,000 rubles, 1.5% cashback on all purchases, and 24/7 concierge service.
- «Кредит в кармане» (Pocket Credit Card) Credit card with credit limit up to 150,000 rubles, no issuance or maintenance fees, and flexible repayment options.
- Аэрокарта (AeroCard) Travel-focused credit card on the Mastercard network earning 1.75% Travel bonus points on all purchases, redeemable for flights, hotels, and car rentals.
- RSB Travel Cards Travel reward cards including RSB Travel Classic, RSB Travel Premium, and RSB Travel Black, offering travel bonuses, insurance, and partner benefits.
- Debit Card «Банк в кармане» (Bank v karmane) Debit card offering up to 70% cashback at partner merchants, up to 15% annual yield on linked savings account, and free transfers via SBP.
- Digital Debit Card «Банк в кармане Цифровая» Instantly issued digital debit card available through the mobile banking app, with up to 7% cashback in selected categories and up to 15% annual yield on linked savings account.
- Deposits (Вклады) Term deposits in rubles and US dollars with terms from 91 to 1,080 days and interest rates up to 13.8% annually. Available products include «Новый доход», «Новые деньги», and «Пенсионный». Minimum 10,000 rubles for internet/mobile banking opening.
- Savings Account (Накопительный счет) Demand deposit account with up to 15% annual interest rate, offering flexible access to funds with competitive yields.
- Internet Banking «Русский Стандарт Онлайн» Full-featured online banking platform allowing customers to manage accounts, make payments, transfers, view statements, open deposits, and apply for credit products remotely. Top-ranked by Markswebb Rank&Report for online service profitability.
- Mobile Banking App Mobile banking application for iOS and Android providing full banking functionality including payments, transfers via SBP, card management, and loan servicing on the go.
- RS Cashback Loyalty Program Cashback loyalty program integrated across card products, offering up to 70% cashback at partner merchants and up to 10% in selected spending categories.
- Travel Portal (travel.rsb.ru) Travel booking platform integrated with card cashback, offering flights, hotels, and tours at special rates for bank cardholders.
- Insurance Services (Страхование) Insurance offerings including deposit insurance, life and health insurance, accident insurance, and fraud protection programs distributed through the bank's affiliated insurance platform.
Quantifiable outcome
- Top 1 internet banking rank by Markswebb Rank&Report for online service profitability
- +1 more outcomes
Companies that use Russian Standard Bank
Customer profileSegments3 records
Ideal customer profiles3 records
Russian Standard Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature4 records
Russian Standard Bank partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered minor and core.
- SberbankminorPartner bank for payment services, listed in tariff documentation as a partner bank for certain payment operations and cash withdrawal services
- VTBminorPartner bank for payment services, listed in tariff documentation for payment operations
- PromsvyazbankminorPartner bank for payment services integration
- MTS-BankminorPartner bank for payment services
- Mir Payment SystemcoreNational payment system partnership; bank issues Mir cards including Mir Supreme premium cards and sticker for mobile payments
- Mastercard WorldwidecoreInternational payment system partnership for credit and debit card issuance including World Mastercard, Gold, Standard variants
- Visa InternationalcoreInternational payment system partnership; issues Visa Classic, Visa Gold, and Visa FIFA branded cards
- ELXNET (ЭЛЕКСНЕТ)minorPayment services partner for cash withdrawal operations
- Russia Bank (АБ Россия)minorPartner bank for payment services
- Raschetnye ResheniyaminorPayment services partner
- PayFormminorPayment services partner
- Travel Service PartnersminorTravel service providers offering discounts to cardholders through travel.rsb.ru platform, including hotels, airlines, and tour operators
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Russian Standard Bank competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Russian Standard Bank social profiles
Digital presenceRussian Standard Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Russian Standard Bank leadership team
Management profileNumber of profiles
Profiles1 record
Russian Standard Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Russian Standard Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Russian Standard Bank
What does Russian Standard Bank do?
Russian Standard Bank operates as a universal retail bank offering consumer financial products and services to individual customers across Russia. The bank's core offering includes unsecured cash loans (up to 3,000,000 rubles), real-estate-secured loans (up to 10,000,000 rubles), credit and debit cards issued on multiple payment systems (Mir, Visa, Mastercard, American Express, UnionPay), term deposits in rubles and US dollars, and savings accounts. Digital banking is delivered through internet and mobile banking platforms with features such as 5-minute online loan decisions, instant SBP transfers, and an integrated RS Cashback loyalty program.
Is Russian Standard Bank a public or private company?
Russian Standard Bank is a private company. It is classified as unknown and is currently operating.
When was Russian Standard Bank founded?
Russian Standard Bank was founded in 2000. It employs 5,001 to 10,000 people.
Where is Russian Standard Bank based?
Russian Standard Bank is headquartered in Moscow, Russia, in the Europe region.
How does Russian Standard Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are card Service Fees, deposit Operations and insurance Services.
Does Russian Standard Bank have an API?
No public API is recorded for Russian Standard Bank.
What industry is Russian Standard Bank in?
Russian Standard Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAC, Credit Cards & Revolving Credit, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 5221 and its SIC code is 6199.