Svoi Bank

What Svoi Bank does

Svoi Bank (АО «Свой Банк», Joint-Stock Company Svoi Bank) is a Moscow-headquartered, digital-first Russian commercial bank operating under Central Bank of Russia license No. 3223. The institution originated as GazNeftBank in 1995 and has been rebranded under the Svoi Bank identity with a digital-first positioning, while preserving 30+ years of continuous operating history. Although the bank's only registered office is at Vasilisy Kozhinoy Street in Moscow, it markets coverage across 50+ Russian regions, with delivery of products executed via courier rather than through a traditional branch network. Headcount is reported in the 501–1,000 range, consistent with a small-to-mid-tier regional Russian bank.

The product set is split between retail and business banking. Retail offerings include the Svoia Kredittka credit card with up to 120 days interest-free, the Kredittka 0% credit card, the Svoia Karta debit card with up to 5% cashback, a virtual card for online payments, secured loans against real estate and vehicles (up to RUB 5,000,000), and three deposit/savings vehicles: Svoi Vklad at up to 13.80% annual interest with capitalization, Luchshiy Protsent (a premium deposit opened at the Saratov office), and Svoi Schyot, a flexible savings account with up to 8% annual interest. Business services encompass RKO settlement and cash services (RUB 25 payment fee, free account opening with a personal manager), business deposits, payment acquiring, counterparty verification, business internet banking, and a niche B2B lending book targeting auto dealers, factoring companies, microfinance organizations (MFO), leasing companies, and professional debt collectors (PKO).

The bank operates predominantly through digital channels — a mobile application distributed across the iOS App Store, Google Play, RuStore, and Huawei AppGallery, a web-based internet banking platform, a toll-free phone line (8-800-101-03-03), and online marketing through the svoi.ru website, VKontakte, and Telegram. The bank's market positioning centers on fully digital onboarding, human-supported (non-automated) service, flexible underwriting, minimal bureaucracy, and top-of-market retail deposit rates. Revenue is generated via net interest income on consumer and specialized B2B lending, deposit spread operations on the balance sheet, and fee-based commissions on cards, acquiring, RKO, and counterparty verification. No public revenue, funding, or AI/ML capability disclosures are present in the source material.

Name

Svoi Bank

Legal name

Акционерное общество «Свой Банк»

Website

https://svoi.ru

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Svoi Bank is a Moscow-headquartered, digital-first Russian commercial bank (CBR license No. 3223) serving retail consumers and niche B2B verticals — auto dealers, factoring companies, MFO, leasing firms, and professional debt collectors — across 50+ regions via mobile app, internet banking, and courier card delivery.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Retail banking services
• Digital banking
• Secured lending
• Business current accounts
• Deposit products

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, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Lending: The bank generates revenue through interest income on various loan products including secured loans (real estate, automotive), credit cards, and business lending for auto businesses, MFO, factoring companies, and leasing companies
2. Deposit Operations: The bank collects deposits from retail and business customers, paying interest on savings accounts and term deposits, using these funds for lending operations
3. Commission Income: Revenue from payment processing (acquiring), card operations, and settlement services for business clients including RKO (settlement and cash services)
4. Card Operations: Income from credit and debit card operations including credit card interest when balances are carried

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Svoi Bank is a digital-first Russian commercial bank providing retail and business banking products, including credit and debit cards, secured loans (real estate and auto collateral), savings deposits, business current accounts (RKO), payment acquiring, specialized corporate lending for auto dealers, factoring companies, microfinance organizations and leasing companies, and counterparty verification services. All products can be applied for and managed online through the bank's mobile application and Internet Bank platform, with free delivery of physical products across more than 50 Russian regions. The bank operates under Russian Central Bank banking license No. 3223.

Product overview

Svoi Bank operates as a digital bank offering a comprehensive suite of banking products for both retail customers and business clients. The product portfolio includes: retail banking products (credit cards, debit cards, virtual cards, secured loans against real estate and vehicles, and savings deposits); and business banking solutions (settlement services, business deposits, specialized lending for auto dealers, factoring companies, microfinance organizations, and leasing companies, plus internet banking, payment acquiring, and counterparty verification services). The bank positions itself as a technology-forward institution where all products can be applied for online and managed through the mobile application or internet bank.

Differentiator

Problem solved

Functional benefit

Products and services

• Svoia Kredittka (Credit Card) Credit card for individual retail customers offering up to 120 days interest-free on purchases, with standard interest rates applied after the promotional period.
• Kredittka 0% (0% Credit Card) Credit card for individual retail customers with 0% interest during the promotional period, where customers pay interest only if and when they use the funds.
• Svoia Karta (Debit Card) Free debit card for individual retail customers with up to 5% cashback on purchases.
• Virtualnaya Karta (Virtual Card) Virtual card for retail customers used for secure online transactions and internet payments.
• Credit Secured by Real Estate Large-sum consumer loan for individual retail customers, secured by real estate collateral, available for any purpose.
• Credit Secured by Auto Quick consumer loan for individual retail customers secured by vehicle collateral, up to 5,000,000 rubles.
• Svoi Vklad (Deposit) High-interest term deposit for retail customers offering rates up to 13.80% annually with interest capitalization; deposits are insured.
• Luchshiy Protsent (Best Percentage Deposit) Premium term deposit for retail customers with enhanced interest rates, available only at the bank's Saratov office.
• Svoi Schyot (Savings Account) Flexible savings account for retail customers allowing deposits and withdrawals without loss of interest, with rates up to 8% annually.
• RKO (Business Current Account & Settlement Services) Business settlement and cash services for corporate clients, including free account opening, transaction fees from 25 rubles, and a dedicated personal manager.
• Business Deposits Deposit products for business clients enabling them to generate additional income on favorable terms.
• Credits for Auto Business Corporate lending for auto dealers to support sales growth and vehicle inventory management.
• Factoring Credit Lines Financing for factoring companies against accounts receivable transactions.
• Credit for Professional Debt Collectors (PKO) Financing solutions for professional market participants engaged in debt collection.
• Credits for Microfinance Organizations (MFO) Financing for the operational activities of microfinance organizations.
• Leasing Company Financing Financing for asset acquisitions with subsequent transfer to leasing arrangements.
• Business Internet Bank Remote account management platform for business clients accessible at any time.
• Business Acquiring Payment processing service enabling businesses to accept card payments from end customers.
• Counterparty Checking Business protection service enabling companies to verify counterparties and partners.
• Mobile Banking App Digital banking application for smartphones providing essential banking services with intuitive interface for retail and business customers.

Quantifiable outcome

• Deposit rates up to 13.80% annual interest
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Raiffeisenbank Russia: Russian subsidiary of Raiffeisen Bank International offering full retail and corporate banking. Comparable universal product set at significantly larger scale.
• Alfa-Bank: One of Russia's largest private universal banks with a strong digital channel offering cards, lending, deposits, and SMB acquiring. Overlaps significantly with Svoi Bank's retail and business product set.
• Promsvyazbank: Large Russian universal bank with retail and corporate lending, including SME financing. Comparable B2B lending exposure at larger scale.
• MTS Bank: Russian bank backed by the MTS telecom ecosystem, offering digital banking products to retail and SMB customers via mobile channels. Comparable digital-led distribution and customer acquisition model.
• Sovcombank: Large Russian universal commercial bank offering retail deposits, lending, and cards. Comparable product breadth but with a much larger branch network and broader customer base.

Direct peers

• T-Bank (Tinkoff Bank): Russia's leading digital-first retail bank offering cards, deposits, lending, and SMB services entirely through mobile/app channels. Most direct comparable to Svoi Bank's digital-first, branch-light model and product portfolio.
• Russian Standard Bank: Russian consumer-focused bank known for credit cards and retail lending. Comparable card-centric product portfolio and focus on consumer credit rather than corporate banking.
• Tochka Bank: Digital-first Russian bank serving SMBs and entrepreneurs with accounts, acquiring, and integrations. Direct competitor in the online business-banking segment where Svoi Bank operates.
• Modulbank: Russian digital bank focused on small and medium businesses, offering RKO, acquiring, and online banking. Highly comparable to Svoi Bank's business banking stack and digital-only distribution.

Emerging players

• Yandex Bank: Digital banking product from Yandex serving users with debit cards, savings, and cashback within the Yandex super-app. Comparable digital-native, app-led customer experience and cashback-driven acquisition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/svoi-bank

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 Svoi Bank