Tinkoff Bank( formerly known as "Tinkoff Credit Systems") is a unique bank in Russia that does not have its own ATMs or offices( there is only one office in Moscow, where paid services are provided), serving the population exclusively via the Internet. This does not prevent Tinkoff from taking a good position in the Russian banking sector: 2nd place in the credit card market, 31 in Russia( 25 in Moscow) in retail deposits and 20 in net profit. An important role in the popularity of Tinkoff Bank is played by the fact that when making a deposit, debit cards Visa or Master Card( depending on the depositor's preferences) in the deposit currency are issued for free. A debit card with a monthly interest calculation on the balance of funds can be obtained free of charge and without opening a deposit, it is enough to leave an application on the site, a bank employee Tinkoff will contact you and specify the time and place convenient for you to deliver the card. The same procedure and when opening a deposit: only the application on the site needs to be left on the deposit, not on the card. Also on the bank's website you can leave an application for a credit card, it is convenient because the loan will be provided without references and guarantors.
Despite the fact that Tinkoff Bank does not have its own ATMs, it is rather a plus than a minus, becausethe money can be withdrawn in any ATM of any bank without a commission for an amount of 3 thousand in rubles or 100 in dollars or euros.
In this article we will talk about the most profitable contributions of Tinkoff Bank to individuals.
4 place. SmartWare for 3-5 months. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. You can place money for the deposit in the offices of the bank's partners, for example, by making a free transfer "Contact" to the deposit account. You can also deposit money for the deposit by bank transfer to the deposit account, in which case Tinkoff Bank will add 1 percent to the transferred amount. The interest rate on the deposit in rubles is 8 percent per annum with the choice of a monthly interest payment on the card or 8.05 percent per annum when choosing the capitalization( accrual of interest to the deposit).The rate in the currency is 2%.There is a possibility of replenishment. With a partial withdrawal, the interest accrued on the withdrawn amount, as well as the 1% bonus, are burned.
3 place. SmartWare for a period of 13 months to 2 years. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro. The interest rate in rubles is 9% per annum without capitalization and 9.82% with capitalization. The rate in foreign currency is 2%. Other conditions are the same as for the previous contribution.
2 place. SmartWare for a period of 6 to 11 months. The minimum deposit amount is 50 thousand rubles / 1 thousand dollars / 1 thousand euro .The interest rate in rubles is 10% per annum without capitalization and 10.30% with capitalization. The rate in foreign currency is 2%.
1 place. SmartVlad for 1 year. The minimum amount of the deposit is 50 thousand rubles / 1 thousand dollars / 1 thousand euro . Interest rate in rubles - 12% per annum without capitalization and 12.68% with capitalization. The rate in foreign currency is 2%.