Translation. Region: Russian Federation –
Source: T-Bank –
An important disclaimer is at the bottom of this article.
Shares is a T-Bank service that allows you to split the cost of a purchase into four parts: you receive the item immediately and pay for it gradually over six weeks.
Previously, the service was only available at our partner online and offline stores. Now, you can use Shares to pay for clothing, cosmetics, baby items, and other items at any retail location. You can also split everyday payments into shares, such as internet, TV, mobile phone bills, tuition, utilities, transportation, and games in the T-Bank app.
The service is available to all customers and works everywhere: in the "Payments" section of the T-Bank app, in our partner apps, in online and offline stores, when paying by QR code, or by phone with T-Pay on Android.
When you sign up, you'll receive ₽30,000 in Shares for purchases. This limit is renewed monthly. The more you use the service, the higher the limit. The maximum amount is ₽70,000.
How to pay for a purchase in Shares
It all depends on the payment method.
Using your Black card or T-Pay on Android. In the T-Bank app, select your Black card account and tap "In Shares" in the upper right corner. After this, all future purchases will be split into shares until you tap "In Shares" again → "Disable Shared Payments."
If you use an Android smartphone, you can pay for your purchases with Doli contactlessly—just tap your phone on the terminal at the checkout.
When you pay, 25% of the total amount and a service fee will be debited from your account; the remaining three payments will be debited automatically every two weeks.
Via QR code. Scan the QR code using the smart camera in the T-Bank app. To do this, tap "Scan QR code" on the app's main screen. Or simply use your smartphone's camera.
The payment screen will then open. Select the "Pay in Shares" option: to do this, slide the toggle switch to the right and make sure it's blue. Click the "Pay" button. You'll then see a screen with transaction details.
The "Share" service is currently available for payments using QR codes from Sber and SBP. Starting in January, QR codes from T-Bank will be added to this list.
In the "Payments" section of the T-Bank app, select the desired payment—for example, "Housing and Utilities," "Government Services," or "Education." Enter the amount and select "Pay in Installments" → "Pay."
Why pay for purchases with Shares?
The service allows you to split your payment into four equal installments. This way, you'll receive the item immediately, as if you'd paid for the entire purchase.
You can easily track your repayment schedule in the T-Bank app.
Doli makes budgeting easy. Here are the service's key benefits:
No need to save: you pick up the item and pay only a portion of its cost. For example, you can use Shares to pay for sneakers on sale and lock in a great price, even if you're short on cash right now. There's no long-term commitment. You'll have time to pay for the entire purchase within six weeks, and you can pay the rest early if you like. The purchase won't break your budget. If you're planning on buying something large, like a refrigerator or a new laptop, you won't have to spend a large amount upfront and save on other expenses.
Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.