T-Bank
T-Bank is a Moscow-headquartered Russian digital bank offering accounts, cards, loans, deposits, investments, payments, and insurance via its mobile app to retail and SME customers across Russia. It is also preparing licensed cryptocurrency custody services and operates the acquired Auto.ru automotive marketplace.
- Company typePrivate
- Founded-
- HeadquartersMoscow, Russia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What T-Bank does
T-Bank (legal name: Т-Банк; formerly Tinkoff Bank) is a Moscow-headquartered Russian digital banking institution that delivers consumer and SME financial services through mobile and online channels. Core product offerings include accounts, cards, loans, deposits, investments, payments, and insurance, accessed primarily through the T-Bank Online mobile application. The company employs 16,579 people as of December 2025, ranking third by headcount among its peer set, with workforce concentrated in Russia (83.6%) and additional presence in Belarus, Kazakhstan, and the United States.
Business model is multi-stream: recurring revenue from digital banking subscriptions and fees, marketplace commissions from integrated e-commerce assets (notably the Auto.ru automotive marketplace acquired from Yandex for $417 million in March 2026), and transaction fees from digital asset custody services being prepared under Russia's emerging cryptocurrency framework (expected to take effect September 2026). T-Bank is positioning alongside Sberbank, VTB, and Alfa-Bank to obtain a digital asset custody license, building digital depository and crypto wallet infrastructure targeting both institutional and retail clients. Crypto trading is being tested through the Alfa-Investments brokerage app, listed as a T-Bank sub-brand.
Beyond core banking, T-Bank pursues banking-e-commerce synergy via strategic acquisitions (Auto.ru) and minority ecosystem investments (e.g., an 8.9% stake in KeyGo, a Russian proptech startup). Operating primarily in Russia, T-Bank faces ongoing regulatory pressure, including an FSB mandate to install SORM surveillance equipment by 2027 covering customer communications across messaging, voice, and video. The legal entity is Russian-domiciled, independently operated (no parent company disclosed), with active operating status as of December 2025.
T-Bank firmographics
Firmographics- Name
- T-Bank
- Legal name
- Т-Банк
- Website
- https://tbank.ru
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- T-Bank is a Moscow-headquartered Russian digital bank offering accounts, cards, loans, deposits, investments, payments, and insurance via its mobile app to retail and SME customers across Russia. It is also preparing licensed cryptocurrency custody services and operates the acquired Auto.ru automotive marketplace.
- Ownership category
- akta.pro rank
T-Bank industry classification
Industry- Product category
- Digital Banking
- NAICS
- Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Digital Retail Banking (Online & Mobile) (FSABAAAF)
- akta.pro secondary industries
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where T-Bank is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
T-Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Digital Banking Services: T-Bank operates as a digital commerce services company offering banking products including accounts, cards, loans, and investment services through digital channels.
- E-commerce Platform Services: Through acquisitions like Auto.ru, T-Bank generates revenue from automotive marketplace services integrated with banking financing products.
- Digital Asset Custody Services: T-Bank is preparing to offer cryptocurrency custody and trading services under Russia's emerging regulatory framework for digital assets, pending licensing approval.
Go-to-market motion3 records
Distribution channels3 records
T-Bank product offering
Product offeringCore offering
T-Bank provides retail and SME banking through a mobile-first digital platform: accounts, cards, loans, deposits, payments, insurance, and investment services. The company is preparing cryptocurrency custody and trading services via digital depositories under Russia's emerging crypto framework, and is integrating banking with the Auto.ru automotive marketplace to deliver financing alongside vehicle purchase journeys.
Differentiator
Problem solved
Functional benefit
Brands
- Alfa-Investments: Brokerage app through which crypto trading is being tested
Products and services
- T-Bank Online T-Bank's flagship mobile banking platform providing retail customers with digital accounts, payment cards, deposits, loans, payments, insurance, and SME banking tools.
- T-Bank Investments (Alfa-Investments) Brokerage and investment app through which customers can trade securities and where crypto trading is being tested ahead of Russia's emerging crypto framework.
- Crypto Wallet and Digital Asset Custody Custody and trading services for digital assets, expected to be offered under Russia's new cryptocurrency regulatory framework for retail and institutional clients.
- Auto.ru One of Russia's oldest and most established online automotive marketplaces, being integrated with T-Bank's financing services.
Quantifiable outcome
- 150% year-over-year growth in Chinese e-commerce companies in Russia (per T-Bank study)
Companies that use T-Bank
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
T-Bank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
T-Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- SberbankcoreMajor Russian financial institutions including Sberbank, T-Bank, and VTB are competing to obtain digital asset custody licenses under Russia's new cryptocurrency regulatory framework. All three are preparing crypto services and digital depositories, representing a broader shift among Russian banks toward bank-intermediated digital asset services.
- YandexflagshipYandex, Russia-based IT giant, has agreed to sell its automotive vertical Auto.ru to T-Bank for RUB35 billion ($417 million). The deal represents a RUB10 billion premium over Auto.ru's estimated market valuation. The transaction is scheduled for completion pending regulatory approvals. This acquisition could boost Auto.ru's integration with financing services and potentially launch a new era for the business by leveraging banking-e-commerce synergies.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
T-Bank competitors and assessment
Company assessmentDirect peers
- Nubank: Large-scale digital-first retail bank that scaled mobile banking in a single emerging market—comparable to T-Bank's playbook in Russia, with similar low-cost operating model.
- Monzo: Mobile-first challenger bank providing digital accounts, cards, lending, and savings—structurally similar to T-Bank's digital retail banking stack without legacy branch infrastructure.
- Alfa-Bank: Top Russian private bank that, like T-Bank, is preparing crypto custody and trading services under Russia's emerging digital asset framework, serving similar retail and institutional clients.
- Revolut: Global digital retail bank with mobile-first architecture, crypto trading, and investment products—comparable to T-Bank's digital banking, cards, investments, and emerging crypto custody offering.
- Kaspi.kz: Kazakhstan super-app combining digital banking, payments, and marketplace services; the closest analog to T-Bank's banking-e-commerce integration strategy in a CIS market where T-Bank already has workforce presence.
- Wise: Digital-first financial services platform offering multi-currency accounts, cards, and transfers—comparable to T-Bank's payments and cross-border remittance functionality within its mobile app.
Broad incumbents
- Sberbank: Russia's largest state-owned bank, also preparing digital asset custody and crypto wallets under the new Russian regulatory framework; competes head-to-head with T-Bank across retail, SME, and now crypto custody services.
- VTB Bank: Major Russian state-owned bank competing alongside T-Bank for digital asset custody licenses, with comparable ambitions across retail banking and emerging crypto services.
Others
- Yandex: Russian technology platform and counterparty in T-Bank's $417M Auto.ru acquisition; a strategic ecosystem partner shaping T-Bank's expansion into integrated commerce-finance offerings.
Emerging players
- OZON: Major Russian e-commerce marketplace where Chinese entrepreneurs are rapidly expanding; serves the same SMB customer cohort T-Bank targets for marketplace-banking synergies.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
T-Bank social profiles
Digital presenceT-Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
T-Bank leadership team
Management profileNumber of profiles
Profiles1 record
T-Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
T-Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
T-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 T-Bank
What does T-Bank do?
T-Bank provides retail and SME banking through a mobile-first digital platform: accounts, cards, loans, deposits, payments, insurance, and investment services. The company is preparing cryptocurrency custody and trading services via digital depositories under Russia's emerging crypto framework, and is integrating banking with the Auto.ru automotive marketplace to deliver financing alongside vehicle purchase journeys.
When was T-Bank founded?
T-Bank was founded in -1. It employs 11 to 50 people.
Where is T-Bank based?
T-Bank is headquartered in Moscow, Russia, in the Europe region.
How does T-Bank make money?
Three revenue lines are on record. Digital Banking Services are the primary driver. The others are E-commerce Platform Services and digital Asset Custody Services.
Who are T-Bank's main competitors?
Direct peers on record are Nubank, Monzo, Alfa-Bank, Revolut, Kaspi.kz and Wise. Broad incumbents are Sberbank and VTB Bank. Yandex is listed as an others. OZON is listed as an emerging player.
Does T-Bank have an API?
No public API is recorded for T-Bank.
What industry is T-Bank in?
T-Bank's product category is Digital Banking. Its primary akta.pro industry code is FSABAAAF, Digital Retail Banking (Online & Mobile), with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 52211 and its SIC code is 6021.