Should I trust Tinkoff Bank. Other reviews about Tinkoff Bank Tinkoff Bank is it worth trusting

I decided to order credit card from Tinkov Bank, filled out the form, received approval, made an appointment (10/11/2017).
The card was brought by a courier (a young guy) who looks like an ordinary student. He took out a card and 4 contracts, asked to sign.
I asked before signing the contract.
- I don't owe the bank anything until I activate the card?
To which I received a precise and clear answer.
- Yes, Before activating the card, you do not owe the bank anything.
I asked again, reformulating the question.
- Now I don’t really need a card and a loan, I ordered it, it lay and was, I definitely don’t owe the bank anything until I activate the card?
To which I once again received a clear and precise answer:
- No, until you activate the card, you don't owe anything to the bank.

I believed the young man, as he acted on behalf of the bank and was its representative. With a calm soul, I put the card away and forgot about it for a while.

Literally a week has not passed, I receive a message in my email: "Thank you for activating the card, now you can use it" (11/16/2017)
I'm in shock! How so, I did not activate anything, maybe someone did it for me?
Started recruiting a call center.
The operator picked up the phone. I explained the situation that they didn’t activate the card, but I received a message that - thanks for the activation. To which the operator answered me in a very calm voice:
- Yes, your card is active. And when the card was delivered, the representative of the bank did not tell you that by signing the contract, you activate the card by default?
I was just shocked.
- No, I was told that when I want to activate the card, I can do it myself.
Then he began to explain that the card was activated, but I owe nothing on it until I complete the first transaction. That even in a year I still won't owe the bank anything. I asked to deactivate the card, to which he again began his mantra about the fact that you do not owe anything until you have completed the first operation.

In fact, it was no longer important, the BANK had lost confidence in my eyes.
1. I do not think that the employee who brought the card did not know that I was activating the card by signing the contract. It was beneficial for him to keep silent and be dishonest with me.
2. An employee in the call center reacted very casually to my panic, which means that this is a common practice, daily.
3. Today I will read the contract in more detail (I think I already owe the bank 590 rubles for annual maintenance and at least some more money for SMS notifications.
Definitely, no matter how much it costs me, I will terminate the contract with the bank and no more contacts.

Postscript: It's a pity when a person who says sensible things about entrepreneurship, service quality, business development, cannot put things in order in his bank. All these videos with Urgant and Timati for the sake of trust to buy you. But in fact, hypocrisy and profit.

I have a deposit and 2 debit cards, one of which is the main one, I pay for it in stores (the possibility of remote use is disabled on it) and an additional one for paying for purchases on the Internet. The meaning of the additional one is not to worry too much about the security of entering card data on different sites (of course, following elementary rules such as checking for an ssl connection), but it is theoretically possible that someday the card data will be available to someone else. That is why I set a monthly spending limit of 2000. This is the amount that I am ready to temporarily lose (or pay in extreme cases) due to my hindsight.

On Sunday evening, I decided to pay for electricity and gas. After paying for electricity (amount of about 1900), nothing has changed in the Internet bank. Those. as if there was no payment at all. I called the contact center to clarify the information, they politely apologized to me on behalf of the bank and said that everything was in order, it was just that the information in the IB was not updated. Okay, everyone has bugs. And then I decided to check the validity of the limits. I go to the Mosoblgaz website, enter the details - 3d Secure confirmation is required. I received an SMS, entered the code - the payment for more than 700 rubles was successful. Both payments were not through the Internet bank, but at the office. websites by entering card details. 3d secure is only enabled on the latter.

It turns out that the total amount paid is more than the established limit! To put it mildly, I didn't like it at all. I called the contact center to leave a request / claim. The consultant said that at that time the system failed and many had refusals for card payments. The bank sees the authorization, but there is no data on the amounts of payments. And he constantly "reassured" that he fully understands the essence of my appeal, that it's okay and the adjustments will be made and the corresponding SMS will be sent to me. And to the question "it turns out, since there is no data on the payment amount, can I now make a purchase for any amount, even more than the one on my card without taking into account the limits?" he replied "that I cannot guarantee". No comment...

At night (at 0:09 and 0:12) I received the corresponding SMS about the debit, although I have an SMS bank for additional. The card I paid with is not connected. At 0:43 am, I received an SMS that "the situation regarding the appeal of 1-27547415859 has been resolved", I did not receive any additional comments.

In this regard, I would like to ask a question. How, with the limit set on the card more than a month ago, did it happen that at the moment it has a negative balance? In the last SMS it was reported that the balance of the card was -580.78 rubles. I see the same thing in Internet banking. And is it really possible to write off any amount from the card using the details at the time of a bank system failure, and the accounts (not credit) will later be "adjusted", even if it is in the negative?

For me, the question is very relevant, because I plan to increase the amount on the card and I do not want it to be possible to steal it through the details of the additional card on which the limit is set.

I will not rate it, because it should reflect the overall impression of the bank. But in general, it is positive, based on my experience with the bank and what I see from the messages from this site. I will write a general impression with an assessment later, when more criteria are typed.

On Sunday evening I decided to pay for electricity and gas. After paying for electricity (amount of about 1900), nothing has changed in the Internet bank. Those. as if there was no payment at all. I called the contact center to clarify the information, they politely apologized to me on behalf of the bank and said that everything was in order, just that the information in the IB was not ...

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Many customers do not read the conditions and tariffs for various products of banks, becoming customers of banks. They issue credit cards, for example, withdraw cash, and then the bank charges them huge interest in accordance with the conditions and tariffs. Therefore, you need to know the purpose of each banking product, comply with the terms of use and know the tariffs, then you can safely trust any bank, but you need to trust your money for a short time: for a month, three, six months. At least for a year. There is an opinion that only the best state-owned banks can be trusted, as most Russians believe. Private banks cannot be trusted. But state-owned banks have very low deposit rates, so you have to trust private ones. I think that it is necessary to use the services of only those banks that participate in the deposit insurance system. And then you can trust your money. But on one account you can have up to 700,000 rubles. Then, in the event of a bank failure, this money can be returned along with interest. Necessary...

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Can Tinkoff Bank be trusted?

When choosing a bank, each depositor primarily focuses not on the reviews of friends or acquaintances, but on various ratings of financial institutions in the network. This is understandable, because it is long and difficult to analyze large amounts of data on your own, and the question of choice can be urgent. If you plan to put a large amount of funds on a deposit or, on the contrary, take a loan, you should pay a little attention and analyze the rating of Tinkoff Bank on various resources. Is it worth trusting this bank and what quantitative and qualitative indicators measure reliability?

Reliability rating principles

In theory, any analytics agency or financial institution has the right to make such a rating on the basis of the data available to it. Typically, these indicators include:

The volume of financial assets The amount of the bank's capital The amount of net profit or loss on deposits of individuals and legal entities loan portfolio profitability...

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Personally, I have been a client-depositor of this bank for the fifth year, but even in the best times of the bank, the idea of taking a credit card from this bank was rejected because of too much risk. The bank is muddy, regardless of a decently built customer support system in social networks and by phone.
In December, when banking system there was a general crisis, clients began to take money out of the bank too sharply, so the bank made a rash decision in a hurry to raise interest rates on annual deposits to 18% per annum, while many banks made a more balanced decision - rates increased for short deposits.
In this way, Tinkoff bank attracted very large cash inflows under long-term refillable deposit agreements. For a year and a half, the bank has to pay the bulk of depositors 18-17-16%% (now, of course, the interest is different).
The bank is trying to relieve itself of the burden of contractual liability to these depositors by reducing the rate on existing contracts by 13%. Now this item...

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With this article I will conduct an experiment, stay tuned.

What associations does Tinkoff Bank evoke in you? Unreliable? Incomprehensible? Maybe. I'll break this bank down.

Naked facts about Tinkoff bank

Bank Tinkoff Credit Sistema (TKS) has existed since 1994, initially the bank was known as Himmashbank, in 2006 it was bought out by Oleg Tinkov and renamed.

The bank is focused on remote work via the Internet and telephone technologies, and has one office in Moscow.

Until 2009, the main direction of the bank was lending to individuals through credit cards, since 2009 the bank has expanded its functionality and relies on deposits of individuals and debit cards.

The bank has about 2,000 employees, and meanwhile the bank serves about 2 million customers (wow ratio).

The bank is a member of the deposit insurance system (I remind you that deposits are insured up to 700 thousand rubles).

Co-owners...

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The bank has no offices - scam

Yes ... a bank with employees at home - it's like I'm driving a car, and the car is at home (they will call me crazy) if I tell anyone this. The same here: there are no offices or nothing to buy computers, chairs, tables, etc. And if there are problems, run to someone to visit. I believe that this is a complete scam, another office to collect money somewhere offshore. Maybe over time, in five years, if the bank has nowhere to evaporate, then it will be possible to look at it. From the best side of the card and service, interesting cards are beautiful and that's it, but where is the bank's license and where is the deposit insurance (state)? In every bank there are people like me and you and everyone else is no better, only in white shirts and kind of smart. But in fact, this is a screen. There must be guarantees of service contracts ...

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Is it possible to trust the Tinkoff bank, is it in Severomorsk what percentage | 12:36:0319.11.15

Up to 300 tr. Solution in 2 min. Home delivery of a credit card for free! Tinkoff Bank, of course, will not take anything from you. very colorful, especially cashback... I opened a deposit in Home Credit, I’m generally satisfied, maybe the branch was good at Vladykino (in Auchan), they explained everything, plus I opened a card tied to the deposit, and turned on the Internet bank. so that from home you can see how much the account balance is on the current date. and how pleased you were when the interest came. for next month.

There is an opinion that only the best state-owned banks can be trusted, as most Russians believe. How to cancel a Tinkoff credit card? How many credit cards can one customer have at different banks? How to cash out credit money of Tinkoff Bank?

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She worked as a manager, recruited candidates in the city of Chelyabinsk from March 28 to May 10. Resigned due to the fact that there is no specific work plan. You need to make 300 calls in order to get a normal salary, as they say. I have never seen such laughter anywhere. Today I received a z.p. for the month of April (worked as expected), 360 rubles. This is the letter I received in the mail:

Good afternoon Colleagues!

April results:

1. plan - 50 working operators for at least 1.5 weeks
2. your score is 1
3. Total % of plan completion: 1/50 *100%=2%

fixed part: 18,000
Total payable: 0.02 * 18,000 = 360 rubles

If you have any questions, please feel free to write in response to this letter. If there are no questions, please duplicate the details (preferably the SB card number) and the payment will be made on time today
--
With best regards,
Rozaeva Maria
HR - Head
KC "Leader"

Dear management, if you read at least of course ...

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I always considered Mr. Tinkov as an outstanding businessman who creates impeccable brands. But the project with TINKOFF CREDIT CARDS completely disappointed me. I will briefly talk about how I tried to purchase a credit card from Tinkoff Bank. Feedback will be negative.

Quite often I see speeches by Mr. Tinkov. I follow his business projects. I was curious how his new banking project with credit cards would develop. I will not hide, the idea is correct and timely. But if they encroached on such a major topic, is there really not enough money to provide the first echelon of the call center with qualified personnel? At the very first stage of telephone conversations, I repeatedly stumbled upon complete unprofessionalism and, as a result, refused banking services Bank Tinkoff CREDIT SYSTEMS.

How did my communication with Tinkoff Bank begin?

I decided to work with a bank owned by a businessman who previously aroused my sympathy. I was sure that the service...

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I have been and am a client of this bank for many years. There is a credit card and a debit card.
First, I will write about what I like about Tinkoff Credit Systems Bank:
1. The bank works remotely, that is, in order to get a credit card, for example, you do not need to spend time visiting offices, wasting time on the road, standing in lines, just spend about 15 minutes and fill out a questionnaire either with a bank specialist, or independently on the bank's website.
In addition, you do not need to go anywhere to get the card. In case of a positive decision, the representative of the bank will bring it to your home, to work and wherever you wish.
With debit the same situation - it is brought free of charge.
But even here it was not without a "fly in the ointment".
I will share my own experience on this item and would like to recommend the bank to pay more attention to recruitment. I live in a remote area. Application for...

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I'll tell you, as they say, "from the inside." I worked for this organization a few years ago taking incoming calls. At first everything went smoothly - my colleagues are young, sociable, I fit in quickly, I have a good memory, and soon began to answer the calling clients with strictly memorized phrases.

They worked according to the Western system. Every morning you run, find a free place, look through the news, learn new changes, log in - and "forward, to the mines." A special department then listens to calls, any deviation from the text in the answer to the question - minus the money in the salary. After an 8-hour working day, I hated people, in the subway I was ready to bite anyone who stepped on my foot.

After a month of work, having thoroughly studied all our financial products, I understood why poor clients call, constantly complain and ask for explanations.

The principle of work: they searched for postal addresses, sent out proposals around the country (in them, of course, the most important thing was written in small print), approved ...

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Impressions after three months of using the Tinkoff card - my review and question: is it worth taking a credit card?

UPDATE: in October 2014 I wrote another review about the bank - after a year and a half of using the card.

Three months ago here, in this entry after the second subheading, I shared with you, friends, the experience of obtaining debit card from perhaps the most extraordinary Russian bank, named after its owner - Oleg Tinkov. Then I was delighted with the level of service and the speed of reaction - the personalized MasterCard Platinum was brought home to me in the evening of the day after filling out the questionnaire.

As time passed, I developed a more objective opinion about the bank. Under the cut, I tried to outline the most tangible pros and cons of Tinkoff, as well as reflection on the topic of whether it is worth improving relations with the bank by taking a credit card, or is it still better not to risk it? Regarding the latter - I expect to make a decision in the coming days, so your advice,...

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I have a Tinkoff credit card. And not only. Satisfied.
Before you start using it, you need to decide for yourself why you need it?
To be able to spend "not your" money - this option will not work. “Not your own” money will have to be paid back in any case + 35% per annum.
Each credit card has an interest-free period during which you can use the money, for example, up to a salary for some urgent purchase and give it back. Then no problems, but only pluses. If you didn’t meet the interest-free period, you have to pay both the mandatory payment and interest. This is not much, overstaying and “forgetting” will be much more expensive in the future. The conditions are not sugar, the annual percentage is large. Withdrawing cash from a credit card is a separate topic with a HIGH percentage for withdrawing cash, but I did not use this function at all.
About Tinkoff himself. I filled out the application, on a certain day I made an appointment with a bank employee, he checked the documents, issued a credit card. Everything....

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Maps No comments yet. Be the first! 1,086 views

Tinkoff Bank is a rather unusual organization for Russian Federation, because most people are accustomed to and trust more those banks that have their own branches, where you can come and discuss all your questions. Is this true and what do customers really think about Tinkoff Bank? There is only one way to understand this - to analyze the feedback from real customers and understand what public opinion has formed about this organization.

Viktor, Moscow.

I became a client of Tinkoff Bank about 6-7 months ago. I have a credit card and use it regularly. Since I make all payments on time, I have no problems. Everything is clear and transparent, and I repaid the used credit funds within 55 days, and therefore even interest on the money provided was never charged. After looking at customer reviews, I was frankly shocked. Reading carefully the details...

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Tinkoff

Tinkoff. Credit Systems

Complaints: 104
Solved complaints: 0

Complaints and reviews about Tinkoff That's impudence!

She was extremely angry when she received a letter with very intrusive offers to issue a credit card from the Tinkoff. Credit Systems bank. Of course, no one obliges me to follow the proposed "scam", however: 1. WHERE did the specified office get my coordinates, if I NEVER used the services of this bank, and, moreover, NEVER used credit systems at all? 2. ON WHAT BASIS do bank representatives process information about me if I did not give ...

The mystery around the banking agreement at Tinkoff

I received a credit card with papers (you can’t name it differently) among them is an “application for a credit tinkoff cards platinum" by signing which I trust some LLC "tks" on my behalf to conclude an agreement with tks bank (cjsc) for ...

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The rating of Tinkoff Bank is rapidly gaining momentum, its brand does not stop appearing on Russian TV screens, as well as in in social networks. As a result, even more potential applicants seek to use the services of the bank. Clients make inquiries about his activities. But before signing an agreement on mutual cooperation, it is advisable to decide whether it is possible to form an opinion about the reliability of a partner, if you rely only on his direct place in the rating.

Briefly about Tinkoff Bank

The organization began its activities in 1994 under a different name from today's Himmashbank. Twelve years passed before this institution was bought out by businessman Oleg Tinkov, who also gave him his name. Thus, with the passage of time, such investors as HorizonCapital, GoldmanSachs and VostokNafta became co-owners of the new financial institution. The institution is personally part of the TCS GroupHolding PLC.

The only bank office

There is one surprising fact that Tinkoff Bank has a single office at its disposal, and any customer service is carried out remotely, as for cashing out, it is carried out through ATMs.

But even despite the absence of standard divisions and offices in major cities of the country, as well as remote work, more than four million Russians have become customers of the bank today, which, of course, only confirms people's confidence in the reliability of the Tinkoff bank they have chosen. Information about the reliability rating is of interest to many.

Internet platform of the bank

In order to serve its borrowers and depositors, the institution uses a high-tech level Internet platform, in addition, it daily introduces all sorts of the latest developments in this area. This approach helps Tinkoff Bank to maintain its leadership position and achieve incredible success in a short period of time.

It is also interesting that, in addition to the issued credit cards this bank provides registered debit instruments, which are extremely advantageous from any competitive counterparts, primarily in functionality and the ability to receive additional interest on the remaining funds.

Among other things, the organization makes profitable deposits and payments to the accounts of various banks, and also offers cashbacks and many other various services, which will be discussed in more detail below. So, what is the place of Tinkoff Bank in the rating?

Assets of Tinkoff Bank and its position in the rating

By conducting a detailed study of information about the bank in question, its direct customers want to determine for themselves the real level of its reliability, the likelihood of a long and fruitful cooperation with it, as well as the likely prospects for subsequent transformation and development.

For these purposes, most clients do not start from the reviews of Internet users or their acquaintances, but rely primarily on ratings compiled by specialized agencies.

Speaking theoretically, we can say that absolutely any financial institution or analytical firm that has access to basic information is entitled to compile ratings. It is easy to find out where Tinkoff Bank is in the rating.

In practice, Internet users of the World Wide Web, as well as direct customers and partners, base their dissenting opinions solely on the top lists of various rating agencies that have gained a significant reputation in the domestic and international markets.

Reliability indicators

The actual reliability of Tinkoff Bank is formed by the following indicators:

The volume of financial assets of the organization. According to the version of one of the Internet portals, last year the bank in question occupied the 43rd position among other similar Russian institutions in terms of the size of its own assets. These include all objects that may belong to the company, that is, we are talking about cash, loans issued, securities, about real estate and so on. The bank does not cease to buy various assets for its own financial capabilities, in addition, with the help of depositors' money, as well as concluding profitable deals on credit.
The increase in valuable property directly depends on the correct and competent investment decisions, because the funds received are needed in order to increase the overall income of the institution.
The amount of deposits. Based on the information received by the Banki.ru portal, Tinkoff Bank holds the 29th position in the rating in terms of deposits. Deposits are understood to mean all the money that was accepted by the institution for a specific period of time or on demand. According to the legislation of the Russian Federation, Tinkoff Bank is obliged to return the finances it received to its owners, as well as to pay interest for their use on the terms that are specified in the contract.
Number of applications approved and confirmed. The Banki.ru Internet portal believes that such indicators provide the Tinkoff organization with a reliable 36th place among its Russian competitors. The rating in Russia about Tinkoff Bank can be trusted.

In addition to the above indicators, it should be noted that the interest on the loan is also one of the main types of profit of the institution, in this regard, a significant number of concluded agreements speaks of its undeniable profitability and explains the high positions in the ratings.

Should I trust Tinkoff Bank?

By conducting a study of ratings compiled on the basis of data provided by the Central Bank of the Russian Federation, it can be established that this bank is quite reliable and has excellent prospects for its further development. Customer reviews claim that cooperation with this financial institution will solve any financial problems and difficulties, as well as provide an opportunity to create and increase your savings.

Services provided by Tinkoff Bank

One of the particular features in the course of the organization's activities is the ability to receive a credit card in the amount of up to three hundred thousand rubles, and in addition, there is a chance to increase this limit to two million. Such a card will certainly be a great solution for anyone who urgently needs cash in large quantities, or this amount can be used as an emergency reserve for various life situations. In terms of deposits and loans, the rating of Tinkoff Bank is quite high.

When compared to others?

Comparing Tinkoff Bank with other similar structures, you can see that it is he who provides the opportunity for interest-free lending for a certain period of time. This is a great opportunity for anyone who wants to save their money. Among other things, the interest rate of this bank is also not very large, which, of course, attracts a huge number of different customers.

Plus, Tinkoff Bank provides such a unique tool as a personal rate, which is usually selected based on the data you provide, and which allows you not to overpay extra money when customers take out a loan. What is also convenient, according to customers, is that it is allowed to order a credit card from the age of eighteen, and it is absolutely free with direct home delivery to any selected region of the Russian Federation.

Opportunity to increase capital

Among other things, Tinkoff Bank makes it possible for clients to increase their initial capital by opening deposits for extremely favorable conditions. The terms for such financial instruments usually range from three months to three years and allow you to replenish, as well as early close your deposits. The amount of interest rates may vary depending on the chosen currency, but be that as it may, they are always the most profitable compared to other banks. Also, interest on deposits is paid by Tinkoff Bank on a monthly basis, which, of course, is very convenient for all customers.

Output

Thus, over the time that has elapsed since its opening, this bank has not only been able to acquire a significant number of customers in all cities of Russia, which is already in the millions of people, but has also become one of the most popular financial institutions in the CIS countries, with high ratings, which testify to benefit of its undeniable reliability.

I want to open a savings account. Can Tinkoff Credit Systems be trusted? and got the best answer

Answer from Vasya All-in[newbie]
not too colorful)
-Free withdrawal of funds from a debit card "worldwide"
here is the catch, for example, you come to Ukraine, go to the nearest ATM, withdraw money. Tinkoff Bank, of course, will not take anything from you.
But the Ukrainian bank will take a fixed amount for sending a request to another bank to find out the account balance. + still take% for currency conversion)
about 11% per annum is also not the best)
You can invest at high interest rates, too bad I can't leave links. . take a walk) or English. enter the site ywork. su
Vasya All-in
Connoisseur
(370)
yes, and there is little information there yet) a new site with links to other sites, it is like an intermediary ..

Answer from 2 answers[guru]

Hey! Here is a selection of topics with answers to your question: I want to open a deposit account. Can Tinkoff Credit Systems be trusted?

Answer from Artzoosalon Areal[guru]
In Kazan, they do not hurt trust ...

Answer from Gaaaa Garin[newbie]
Do they have offices? teach. Tinkoff until recently only issued loans. they are often not returned. but Oleg knows what he is doing along the way :)

Answer from daring wolf[guru]
Well, I have been lying there for half a year already and have not gone anywhere!

Answer from Night Dozhor)))[guru]
Not worth it, at least by the fact that I'm hearing about this for the first time!

Answer from Max[guru]
very colorful, especially cashback...
I opened a deposit in Home Credit, I’m generally satisfied, maybe the branch was good at Vladykino (in Auchan), they explained everything, plus I opened a card tied to the deposit, and turned on the Internet bank. so that from home you can see how much the account balance is on the current date. and how pleased you were when the interest came. for next month.

Answer from Yergey Suslov[guru]
I made a deposit in the TCS bank when there was another 12% per annum. Everything is fair and convenient. Received a 1.5% bonus for the transfer.
But now there is far from the most profitable investment! Rates now reach up to 12.5% per annum! At the same time, guarantees are the same everywhere - state insurance in all banks of the Russian Federation in the amount of up to 700 thousand rubles. along with interest. No risk! And Sberbank is not for deposits at all!
I can help you find if you need. profitable deposits as a financier.

Answer from ANTI-CALL.org[guru]
Normal bank. He himself "moved" there from Svyaznoy Bank.
Interest on deposits is one of the best, although if you really look, you come across somewhere 0.5-1% higher interest in other banks (even with a 1.5% bonus when replenishing Bank transaction) .
Well, regarding reliability, all deposits in TCS, as in other banks of the Russian Federation, are insured ( state insurance) for up to 700 thousand rubles.
In general, everything is the same as everywhere else, because I don’t know other banks where depositors are more or vice versa less protected than in TCS.
Good service, fast problem solving and excellent internet banking. Satisfied.

Answer from house[guru]
Great bank! At Tinkov, all projects are worthy of attention and of high quality. And the most important thing that most banks do not represent is convenience.

Answer from Valentina Valova[newbie]
There are options with bad credit history take money without certificates, for example