Category: Russian Banks

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You can now purchase MTPL insurance from 21 insurance companies through T-Bank.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Why buy MTPL insurance through T-Bank?

We've compiled the main advantages for drivers.

You can apply online 24/7 in any region. The policy is electronic, so you don't have to go to an office or stand in line to purchase or renew your insurance.

There are no commissions or hidden fees, so the final cost of your MTPL policy won't change: you'll pay exactly the amount you see when calculating the price through T-Bank.

A wide selection of insurers. See offers from 21 companies on one screen, easily compare them, and choose the best option. You can also view the insurance company's rating and read real customer reviews.

A discount on the bonus-malus coefficient (KBM) for accident-free driving when purchasing insurance with a limited list of drivers is applied when calculating the price.

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.

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Mazda crossovers are now available at T-Auto.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

How to buy a Mazda at T-Auto.

T-Auto is a service for drivers available in the T-Bank app and on the website. Here's a step-by-step guide to buying a car.

Choose a car from our catalog: Mazda or any other brand, such as LADA, Haval, Changan, or Geely. We represent over 20 manufacturers.

Submit a request using the form: just your phone number and name are required. A T-Auto manager will then contact you. They will oversee the transaction until you receive the keys to your new car.

Reserve a car: make a deposit of 10,000 ₽. This is required to lock in the price. If for any reason you decide to cancel the purchase, we'll refund the full amount—without penalties.

Discuss the details of the purchase and sale with the manager.

They'll help you find a car loan, discuss the terms of your old car's trade-in, and arrange a test drive at the dealership. If needed, they'll also arrange for compulsory motor vehicle liability insurance (OSAGO) and comprehensive insurance (CASCO) so you can get behind the wheel as soon as you receive your car.

Sign the documents and pick up your car.

You can pick it up at a dealership in your region or have it delivered to your home. We'll tow your car free of charge at your convenience.

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.

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The banking industry forecasts that the dollar is not expected to rise above ₽100 in 2026.

Translation. Region: Russian Federation –

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Image: mainfin.ru

How do bankers see the dollar-to-ruble exchange rate in 2026?

The survey involved executives from 32 large Russian banks, six of which are considered systemically important financial institutions. According to the study's findings:

84% of respondents expect the dollar exchange rate to be between 80 and 100% in 2026; 56% of surveyed bankers believe the dollar will be quoted between 80 and 90 rubles; 9% of respondents expect the dollar exchange rate to be below 80 rubles; 4% of surveyed participants have an even more positive forecast – the dollar will cost less than 70 rubles; only 3% of experts budgeted for the dollar to be more than 100 rubles.

Incidentally, forecasts a year earlier were more pessimistic. For example, 62% of participants believed the dollar would exceed 100 rubles. Experts also had similar expectations for late 2025, but these forecasts were subsequently adjusted toward a stronger Russian ruble.

What's happening in the currency market at the end of March?

The US dollar exchange rate (according to the Central Bank of the Russian Federation) as of March 24, 2026, is 81.8 rubles. The American currency reached its peak on March 20, approaching 85 rubles, but retreated in the following days. However, the weakening trend of the domestic currency continues due to the following factors:

A significant reduction in the supply of foreign currency on the domestic market, including the suspension of operations by the Ministry of Finance; volatility in the foreign exchange market due to the situation in the Middle East; a reduction in the key rate at the regulator's last meeting from 15.5% to 15%; and a significant federal budget deficit.

"The ruble has been weakening throughout March, but this trend won't last long. In the coming months, revenue from oil sales at a high price will begin to flow into the budget, which will support the exchange rate," the expert notes.

Analysts expect the ruble to strengthen as early as late March, as supply on the foreign exchange market will increase thanks to exporters facing the annual tax on raw materials production. Russians are urged not to give in to the hype and not to buy foreign currency: it's better to wait until May, when the ruble will strengthen and exchange rates will be more favorable.

10:30 03/24/2026

Source:

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.

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The T-Bank app now features a "Car Wash" service.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

We've launched a service that makes it easy to pay for self-service car washes online. There's no need to download separate apps, enter your card number, find cash, or buy special tokens from a station attendant if other payment methods aren't working. Everything can be done in a couple of clicks directly in the T-Bank app.

The Car Wash service is available in the T-Bank app starting with version 6.13.5 on Android and iOS. If you don't see the service, update to the latest version. using the instructions.

How to use the Car Wash service

Open the T-Bank app → "City" section → "Car washes." You can also access the service through the search or "Auto" section.

Allow geolocation access, and a map will appear showing all car washes connected to the service. Car washes aren't available in all cities yet, so check the nearest stations in the app beforehand.

Select a suitable car wash, or if you're already there, we'll show you automatically. Then, on each screen, you only need to complete one action: select the bay, the amount you plan to wash your car for, and pay for the order from your T-Bank account.

Select a car wash on the map. Park your car in a free bay and enter its number. Enter the amount you want to wash your car for. Each car wash has its own minimum payment, which is displayed in the service.

You pay for the car wash's operating time: the higher the amount, the longer you can use it. Important: park your car in the bay before paying. Once the payment is received, the car wash will begin immediately. If you book extra time and finish early, you won't be able to get a refund.

Wash your car as usual: use the spray gun with water, foam, wax, and other settings. If the amount you paid isn't enough, click the "Extend Wash" button in the service center and pay extra. Then simply drive out of the garage.

There's no need to go to the cashier or use a terminal at the station. The receipt will be sent to the email address you specified in your T-Bank app profile.

Why use car washes in the city.

Pay online. No need to worry about cash, buying tokens, or using a terminal. No need to enter your card number either: we'll debit the order cost from your T-Bank account.

Get up to 10% cashback on every order. You can earn up to 3,000 rubles in points or miles, depending on your T-Bank card. Cashback will arrive on your statement date.

24/7 support. We'll answer your questions and help you at any time—even at night. For example, if there's a problem and your car wash won't start, contact T-Bank's support chat in the app or your personal account at tbank.ru—we'll do our best to resolve the issue quickly.

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.

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EVOLUTE sales launched at T-Auto.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

How to buy EVOLUTE at T-Auto

T-Auto is a service for buying a new car through the T-Bank app and website. Here's a step-by-step guide to the car-buying process.

Select a brand and model from the catalog. In addition to EVOLUTE, T-Auto offers cars from LADA, Haval, TANK, Moskvich, Geely, and other brands—more than 20 manufacturers in total.

If you need help choosing a model or trim level, please submit a request. A service manager will help you find a car that fits your needs and budget, free of charge.

Reserve the car and make a deposit of 10,000 ₽. This deposit is required to lock in the price of the car. The price will not change during the transaction, even if you decide not to purchase additional equipment or options.

Discuss the details of the transaction with a manager. They will help you obtain a car loan, including through a government support program, calculate the trade-in price for your old car, arrange comprehensive insurance and compulsory motor vehicle liability insurance, and conduct a test drive at the dealership.

Sign the documents and pick up your car. You can pick it up from a dealership in your area or have it delivered to your home. We'll tow it for you free of charge.

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.

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Bonds instead of deposits – in 2025, Russians replenished their brokerage accounts at a record level.

Translation. Region: Russian Federation –

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Image: mainfin.ru

What is the reason for the growing popularity of brokerage accounts?

Brokerage accounts are becoming increasingly attractive to Russian investors who want their savings to work and generate a stable income. The main reasons for this growing popularity include:

reduction of interest rates deposits against the backdrop of the easing of the Central Bank of the Russian Federation's policy, the average maximum yield will be reached in May 2025 deposits The annual interest rate exceeded 19.5%, falling below 14.5% in February 2026. The possibility of receiving tax deductions when opening and adding funds to an individual investment account (IIS), which increases the profitability of such investments. Increased interest in long-term savings – interest rates on long-term deposits are extremely unfavorable, forcing conservative investors to seek alternatives. The ease of opening brokerage accounts – many banks offer this service, including online, and the effort is comparable to opening a traditional deposit.

While investment accounts were previously aimed at experienced market participants, the product is now suitable for beginners as well. The Central Bank of the Russian Federation is implementing a public literacy project called "Financial Navigator," and the Moscow Exchange and a number of banks also offer similar investment courses.

How has the Russian investment market changed in 2025?

Last year, money steadily flowed from deposits to brokerage accounts. Analysts estimate that by the end of 2025:

The net inflow of funds from individuals into brokerage accounts exceeded ₽2.5 trillion; the total volume of funds held by Russians in such accounts increased by 16% over the year, reaching ₽12.3 trillion; more than 70% of the capital was contributed by qualified investors, i.e., market participants with large assets or a relevant education; investment portfolios worth between 1 and 100 million rubles increased by 20%; in the small portfolio segment (from 10,000 to 1 million rubles), the annual growth was 12%; the average account balance remained unchanged at 2.2 million rubles.

"OFZs account for about 40% of portfolios. At the beginning of the year, investors were also interested in stocks, but given the complex geopolitical situation, such investments would have been considered excessively risky," the expert stated.

Investment accounts will remain popular in 2026, especially if the key rate continues to decline. Bonds remain the focus, but the trend could shift: funds will begin to flow into stocks if there are prospects for improved international conditions, sanctions easing, and the end of the IMF.

15:25 03/17/2026

Source:

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.

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How to arrange installment plans for everyday expenses—even money transfers.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

When is it beneficial to take an installment plan using a button?

Installment plans can help with everyday tasks. Here are just a few scenarios:

I need money for a large purchase.

For example, instead of postponing your vacation, you can take out an installment plan for your tour and pay it back at your own pace.

Unexpected expenses have arisen.

For example, if your monthly budget is already exhausted, but you urgently need to buy groceries, you can arrange an installment plan for the already paid purchase and calmly spend the freed-up money on treatment.

You're worried that the product will become more expensive, but you don't have the spare money for it right now.

Installment plans allow you to lock in the price. For example, if you saw an inexpensive air conditioner on a classifieds site in March, you can immediately transfer the money to the seller; the price of the equipment may skyrocket by summer.

The same goes for sales. Prices rise, and it's more profitable to take out an installment plan while the discounts are in effect—even if the purchases weren't planned.

You need to buy a lot of things at once.

For example, during renovations, it's easier to take out an installment plan and buy building materials and a new sofa right away, rather than wait until you have enough money for the next purchase.

You can calculate when it is more profitable to pay with a credit card and when it is better to pay with a credit card in installments on our website. calculator.

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.

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A question of price: banks propose easing requirements for mass calls

Translation. Region: Russian Federation –

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Image: mainfin.ru

Why are major banks advocating for changes to call labeling regulations?

Outgoing call labeling is a legal requirement aimed at combating fraud and spam. Since September 1st of last year, businesses making bulk calls have been required to enter into paid contracts with telecom operators, with subscribers having the right to refuse such calls. The current requirements have not been met with satisfaction. banks, who identified several problems associated with the implementation of the labeling law:

Not all calls made by banks are mass calls; most are personalized; telecom operators have been granted the right to block any calls unless the bank has signed a contract with them; criteria for defining mass calls are not established by law, which leads to abuse by operators; the rate of 0.25 rubles for each call, including unsuccessful ones, is excessive.

Banks' key complaint is the high cost of call labeling services, which forces businesses to pay not just for the call itself, but even for the attempt to reach the client.

What rules for mass calls are banks proposing to implement?

Major Russian banks are proposing a change to their approach to call labeling. The relevant requirements are outlined in a package of amendments to the "Antifraud 2.0" bill. Specifically, the proposals include:

Create an exception for mass calls made in compliance with regulatory requirements—labeling will not be required for these calls; eliminate the possibility of telecom operators obtaining unjustified economic benefits; and establish an alternative method for labeling calls—through the centralized Antifraud platform.

"This initiative doesn't stand up to scrutiny—banks are looking for a loophole to circumvent the ban on spam calls by offering to treat themselves like government agencies," T2 operator noted.

Telecom operators rejected the initiative, believing that such an approach would lead to chaos and lack of transparency in the industry. Banks were accused of trying to sell their products at any cost, even if the client had opted out of mass calls. The proposal will be considered during the second reading of the "Antifraud 2.0" bill.

09:00 03/10/2026

Source:

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.

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Fewer clients – Russians' debt to microfinance organizations has decreased amid industry transformation

Translation. Region: Russian Federation –

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Image: mainfin.ru

What changes have the greatest impact on the work of microfinance organizations?

Concerned about the high debt burden of the population, the Bank of Russia has been implementing reforms in the microfinance sector for several years. The most significant changes affect microfinance organizations in 2025 and 2026:

In 2025, restrictions on issuing loans to microfinance organizations will be tightened loans Clients with high debt burdens; a "cooling-off period" has been introduced for loan and credit applications—this change affects both banks and microfinance organizations (MFOs); starting in 2026, the approach to assessing borrowers' solvency has changed—MFOs can no longer rely on credit history; clients must request proof of income; starting March 1, remote loan issuance is only possible using biometrics—this measure is intended to help combat fraud; starting in April of this year, the maximum overpayment on a microloan will be 100% of the debt amount (currently, the limit is 130%); in October, the rule of issuing one loan per client is planned to begin—lending will initially be limited to clients with two active contracts.

Overall, the industry is seeing a trend toward stricter regulation. However, microfinance companies are attempting to circumvent legal provisions. For example, marketplaces have been caught substituting concepts: instead of a loan agreement with a client, they issue an agency agreement. Such a transaction is possible even if a self-imposed loan ban has been established through Gosuslugi.

How is the microfinance services market undergoing a transformation?

Tighter regulations and the introduction of increased surcharges have led to a contraction of microloan portfolios in microfinance organizations. Thus, in 2025, microfinance companies reported the following performance results:

The total loan portfolio of microfinance organizations decreased by 1.1% in the fourth quarter; the portfolio of companies issuing loans offline decreased by 7.2% over the same period, and by 10.4% over the year; new loans from microfinance organizations began to be issued more frequently – in the fourth quarter, the increase was 6.4%, over the year – more than 11%, the value of such agreements was 380 billion rubles; a decline was also observed in the banking microfinance organization segment – the decline over the quarter exceeded 3.2%.

"The microfinance services market is undergoing a transformation—MFIs are trying to adapt to legislative changes and are choosing clients with great caution," experts note.

The microloan segment is expected to experience a traditional seasonal lull in the first months of 2026. However, analysts also predict a decline by mid-year, largely due to the requirement to use biometrics when reviewing client applications. To avoid this requirement, many microfinance institutions (MFIs) are changing their status to microcredit credit companies (MCCs): for the latter, mandatory biometrics will only be introduced in March 2027, allowing businesses a brief grace period.

09:35 03.03.2026

Source:

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.

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Interest in distressed assets: Alfa-Bank and A1 will create an investment fund worth 30 billion rubles.

Translation. Region: Russian Federation –

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

Image: mainfin.ru

What is known about the new "special situations" fund?

The fund that is being created Alfa-Bank and A1 (a company specializing in distressed assets) are planning to launch a fund for investments in "special situations." A1's management revealed some details of the project:

The investment amount will be up to 30 billion rubles; the key investment vector is "distressed assets"; the investment horizon is up to three years; Alfa-Bank will be the anchor investor, A1 will seek partners, and Alfa-Capital will handle management.

"Companies facing difficult situations will be given a chance for a new lease on life. The fund will help resolve disputes, achieve settlements, and achieve profitability," the project's authors note.

However, A1's activities in this area have been repeatedly criticized. Businesses have criticized its methods and complained of corporate raiding attempts. A1 is a creditor of Viktor Baturin, who is suing his sister (the widow of former Moscow Mayor Yuri Luzhkov).

What assets do A1 and Alfa-Bank plan to acquire?

The list of assets that the "special situations" fund will work with includes companies experiencing serious problems, including:

Conflicts between capital owners and management; increased debt burden; ineffective business management; falling under sanctions; the departure of Western owners amid the imposed restrictions.

One of our key areas of activity is working with Russian companies owned by foreign partners. Given the challenging geopolitical situation, such businesses often lose their ability to effectively conduct business, and this new project will help them stay afloat and continue their productive work.

10:00 02/24/2026

Source:

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.