Category: T-Bank

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Why buy a car from T-Auto?

We show you the car's price upfront. Our service shows the manufacturer's price—it won't increase during the transaction. Additionally, some models come with a bank discount.

We don't push additional services or equipment. You don't have to buy replacement tires, floor mats, or other accessories, or take out a car loan or insurance. Without all of these, the price of the car won't change.

We complete your purchase online. No need to make unnecessary trips to the dealership, the bank if you're taking out a loan, or the insurance company if you need insurance. All you need to do is inspect the car, sign the paperwork, and pick up the keys—we'll take care of the rest.

We'll arrange a test drive. If you'd like to evaluate the car in action, a manager will arrange a time and find a dealership convenient for you.

We offer paperless car loans and insurance. You can purchase a car with a loan and insure it with compulsory motor third-party liability insurance (OSAGO) or comprehensive insurance (CASCO) with the coverage you need. OSAGO and financing are processed entirely online, and if your CASCO insurance requires an inspection, our representative will conduct it at your convenience.

We'll bring the car and documents to you. If you don't have time to go to the dealership, we'll deliver the car and documents to your home or another location free of charge.

In addition to LADA, T-Auto also offers cars from Russian and Chinese brands: Chery, Haval, Exeed, Changan, Omoda, Jaecoo, Jetour, BAIC, Kaiyi, Moskvich, and others.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Why use Fuel?

Earn cashback. We'll credit up to 7% of your first fill-up, and subsequent fill-ups will be credited depending on your card's loyalty program. For example, if you have a Black debit card, keep an eye out for increased cashback categories. Among them is "Fuel in the City"—select it to get back up to 5%, and sometimes up to 15%, of your order amount over the course of a month.

Search for gas stations by brand and fuel type. Set filters—we'll show all matching stations on the map, along with the distance to each and the price per liter.

Save your favorite gas stations. Add stations you frequently visit or simply like to "Favorites." This is convenient, for example, if you're far from the gas station but want to quickly find it on the map and plan a route.

Buy coffee without waiting in line. At Gazpromneft gas stations, you can order and pay for your drink online—no need to fill up. It'll take less than a minute and you won't have to wait in line at the checkout. Get cashback on your purchase.

Earn bonuses. Topliv offers loyalty cards for not only Gazpromneft gas stations, but also Neftmagistral and Teboil. If you use these brands, add your cards to the service and earn bonuses.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Why order groceries in the City?

Cashback for every order. We'll give you 15% cashback on your first purchase in the "Supermarkets" service, and 1% on subsequent purchases. To earn even more, choose the upgraded "City Supermarkets" category: you can earn up to 30% cashback on all purchases for a month.

Smart Search. Compare prices across all stores and choose the best one. To do this, enter the product name in the search bar on the service's main page. This feature is available in app versions 6.22 and later. If you don't have it, update the application.

Installment payments. Split your order payments into installments if you're not ready to pay them all off. During the payment process, turn on the "Installment Plan" toggle and select the payment term. We'll show you the monthly payment amount and the one-time fee. This option is available for orders over 500 ₽. If it's not visible, update the application.

24/7 support. If you encounter a problem—for example, you're waiting a long time for a courier or your order isn't complete—contact us via the T-Bank app chat. We'll contact the store and try to resolve the issue promptly.

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.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

How to buy a car from T-Auto?

T-Auto is a service for buying a new car through an app and on the website.

T-Bank. Here's a step-by-step guide to purchasing a car.

Select brand and model from the catalog.

In addition to EXLANTIX, T-Auto sells cars from other popular brands: LADA, Haval, TANK, Moskvich, Geely—more than 20 manufacturers in total.

If you need help choosing, 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 to lock in the price. This price will not change during the transaction: refusing additional equipment and options will not affect the price of the car. If you decide not to purchase, we'll refund the entire amount without penalty.

Discuss the details of the deal with the manager.

For example, you might want to trade in your old car, get a car loan, including one with government support, or buy both compulsory motor insurance and comprehensive insurance. If you need a test drive, a manager can help arrange it.

Sign the documents and pick up the car.

You can pick up your car at a dealership in your region 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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

There's another reason to get a Black debit card from T-Bank. We'll be drawing a prize pool of 25,000,000 rubles for those who order the card before December 24, 2025, and use it to pay for any purchase of 500 rubles or more, right before the New Year.

All participants in the promotion will also receive a guaranteed cashback bonus from our partners.

How to participate.

To take part in the cash drawing, you need to:

Apply for a Black card directly on this page and schedule a meeting with a T-Bank representative. They will deliver your card and an envelope containing a golden ticket with a QR code. Scan the QR code to access the giveaway chat in the T-Bank app and receive a guaranteed bonus. Pay for any purchase of 500 rubles or more with your Black card until December 24, 2025.

Who can participate.

Anyone who doesn't have a Black debit card.

If you had a Black card but the service agreement was terminated before November 30, 2025, you can re-apply for a Black card and participate in the drawing.

How many winners will there be?

In total, we will raffle off 116 cash prizes – from 100,000 to 5,000,000 ₽.

1 prize — 5,000,000 ₽; 5 prizes of 1,000,000 ₽; 10 prizes of 500,000 ₽; 100 prizes of 100,000 ₽.

To qualify for a cash prize, make one purchase of 500 rubles or more and pay with your Black card. You'll then receive a raffle code in the T-Bank app.

The winners will receive the money on their Black card account no later than December 31st.

What guaranteed prizes can be won?

Anyone who accesses the T-Bank app via a QR code will receive a guaranteed bonus from one of our partners:

A free month of the "Package" subscription and 60% cashback for the second month. 100% cashback on sweets. These include Rostagroexport or Savushkin glazed curd bars, Akulchev Viennese waffles, Zolotoy Standart ice cream, Sady Pridonya juice, Babyfox bars, or Bon Pari marmalade. You can receive cashback for one item from one of our partners. To do this, find the purchase in the "Transactions" section and attach a photo of the receipt before January 24, 2026.

What bonus awaits you—a pre-New Year's surprise. Click the QR code on the golden ticket and find out what you've won.

When we sum it up.

The winners will be chosen on December 26th using a random number generator. The results will be published. on the promotion page.

We'll also send the winners a message via the T-Bank app and call them to congratulate them personally.

Why get a Black debit card?

Firstly, to receive a golden ticket and participate in the pre-New Year promotion. And secondly, to enjoy all the benefits of our debit card.

Cashback in rubles.

We offer up to 30% cashback on purchases from partners: popular marketplaces, clothing stores, cosmetics, jewelry, and electronics brands.

We also offer cashback of up to 15% in four categories you choose each month: supermarkets, clothing and footwear, fast food, home and renovations, transportation, and more.

Free transfers to other banks.

You can transfer up to 1,000,000 ₽ per transaction and up to 30,000,000 ₽ per month using a phone number without commission—to yourself and to other people.

Cash withdrawal without commission.

Up to 500,000 ₽ at T-Bank ATMs and up to 100,000 ₽ per billing period at other ATMs, if you withdraw at least 3,000 ₽ at a time.

Additional cards for loved ones with free service. You can order an additional card for your account and give it to your spouse so the whole family can accumulate cashback, or to your parents so they can spend a fixed amount from your account each month.

A convenient application for all expenses.

You can use it to pay your utility bills, open a savings account, or register for self-employment. You can also order grocery delivery, buy a movie ticket, or fill up with gas and earn cashback.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

How to book a hotel with Dolyami

Open T-Travel. Payment by installments is currently only available. on our website, and will appear in the T-Bank mobile app later.

Select a hotel and room. Enter your destination and dates and start searching. Filter by price, star rating, rating, free cancellation, and more. You can also search by map if you're looking for a specific area. Add your favorite hotels to your favorites. Once you've found your perfect fit, book your room.

Next to the full cost of staying at the hotel, we will show you how much you can pay in Shares

Log in to your personal account. Enter your quick login code or phone number. We'll automatically retrieve your information and your cards if you're a T-Bank client.

Select the "Pay in Shares" option. Review the room information and, if necessary, enter your personal information. In the final "Payment" field, we'll show you how you can split the booking cost. Click the button to access the "Pay in Shares" service.

Pay for your room. First, we'll ask you to choose a comfortable repayment period for your shares. It can be anywhere from 6 weeks to 10 months—terms are individualized for each client. Then, proceed to payment. You can use a card from any bank. All future payments will be automatically debited from this card.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Short

Interest rates on new deposits have been updated since November 20.

Rate changes don't affect previously opened deposits. This is always the case: when you open or renew a deposit, the rate is fixed for the entire term.

New conditions apply to new and extended deposits.

The updated interest rate on ruble deposits ranges from 8% to 16% per annum. It depends on the deposit term and the ability to replenish it.

When you open a deposit in the T-Bank app, we'll offer you a higher interest rate by default. In this case, you can only add to your deposit within 30 days of opening. If you want to continue adding to your deposit throughout the entire term, turn off the "Increase Interest" toggle switch when opening the deposit—the standard rate will then apply.

Current deposit rates

	1 month	2 months	3 months	4–6 months	7–9 months	10–12 months	13–17 months	18–24 months
Non-replenishable deposit (higher rate)	14.5%	14.5%	16%	14%	13%	12.5%	11%	10%
Replenishable deposit (standard rate)	—	13%	13%	12%	11%	10%	I%	8%

Basic terms and conditions for deposits at T-Bank:

minimum deposit amount is 50,000 ₽;

term – from 1 to 24 months;

Interest is accrued every month – on the deposit itself or on the card.

T-Help

How to open a deposit

To open and manage a deposit in the T-Bank app, you will need a Black debit card.

If you don't have a Black card yet, order free delivery. We'll deliver the card to your location and time. You can top up your account after meeting with a representative: with cash at a T-Bank ATM, by transfer from another bank, or through our partner network.

If you already have a card, scroll down the “Home” tab in the T-Bank app → “All products” → “Deposit”.

When opening the account, you should immediately select the deposit term and the rate—higher or standard—which will determine how often you'll replenish your account. If you don't need to replenish your account within 30 days of opening, choose the higher rate.

If the deposit already exists

Deposits opened before the rate update are not subject to the new interest rate. This is always the case: when you open or renew a deposit, the rate is fixed for the entire term.

In this case, there are two options:

Extend your current deposit when its term expires. After the extension, the new interest rate in effect at the time of the extension will take effect.

Close your active deposit and then open a new one with the new interest rate. But remember that if you close the deposit early, your accrued interest will be recalculated and almost all of it will be lost.

About foreign currency deposits:

Starting May 28, 2022, we temporarily stopped opening and extending deposits in dollars, euros, and pounds sterling. You can still top up existing deposits. Once the deposit period expires, we'll transfer the funds to your account in the appropriate currency.

From September 1, 2022, deposits in yuan were launched.

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

Why participate in fraud roulette?

Fraud roulette allows you to prank scammers, learn their methods of deception, and protect other people's money.

From January to July 2025, according to the Ministry of Internal Affairs, telephone scammers stole 120 billion rubles from Russians. Anyone can be manipulated. Even if everything seems under control, there's still a risk that a scammer will catch you off guard and convince you to transfer money or reveal your bank details.

The ability to recognize deception is a skill that needs to be developed. This is where fraud roulette comes in handy. It allows you to hone your defense skills through practice and in a safe environment—when you know you're about to speak with a scammer and are prepared to fight back.

With the help of fraud roulette you:

Learn to ignore scammers' threats. Fraudsters do everything they can to make you nervous: they intimidate you, claim your bank account has been hacked, or that a criminal case has been opened against you. They also put you under intense pressure, as if every minute counts. The idea is that, under stress and pressure, you might fall for the scam—even if you've previously been told not to take such calls seriously.

With the help of fraud roulette, you will understand how to act in such situations: study the most common scams, learn to recognize them, and remain calm, even if the person on the other end of the line introduces himself as an FSB general.

Learn about new tricks. Fraudsters' schemes are constantly changing. Some try to convince the recipient that their money is in danger and should be transferred to a "safe account"—that is, to the scammer's card. Others call impersonating a mobile operator, claiming that the subscriber's SIM card is expiring and needs to renew. Or they pose as government officials, gaining their trust, and asking them to do something they want—say a code from an SMS or dictate their passport information.

In just a few conversations using Fraud Roulette, you'll learn about common scams and how to avoid them.

Protect others. The main rule of fraud roulette is to talk to the scammer as long as possible. While you keep the scammer on the line, they won't be able to contact other people who risk losing money.

According to T-Bank statistics, fraud roulette participants spoke with scammers 3 million times and kept them on the line for 44,000 hours—roughly the equivalent of a year's work for a call center with 30 scammers. Thanks to this, the scammers were unable to steal 490 million rubles.

Amuse yourself and your friends. Once you're confident you know all the scammers' strategies and can anticipate their moves, you can start using fraud roulette to prank them. For example, play along and say you've already transferred money to their account. And when they tell you it's a "call from the Central Bank," pretend to be a "Central Bank employee."

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.

Translation. Region: Russian Federation –

Source: T-Bank –

An important disclaimer is at the bottom of this article.

What will change when calculating the price of compulsory motor third-party liability insurance?

According to the decision of the Bank of Russia, insurance rates for compulsory motor third-party liability insurance (OSAGO) will be updated starting in December.

There will be two main changes, which will affect owners of passenger cars who purchase mandatory auto insurance.

The tariff corridor—the range within which insurers will choose the base rate for each driver's compulsory motor third-party liability insurance—will be expanded. The minimum and maximum base rates will change.

The table compares rates for some categories of vehicles.

	Before the changes	From December 9, 2025
Passenger cars of individuals	1,646⁠—⁠7,535 ₽	1,399⁠—⁠8,665 ₽
Motorcycles	259⁠—⁠3,043 ₽	155⁠—⁠4,260 ₽
Passenger cars of legal entities	852⁠—⁠5,722 ₽	724⁠—⁠6,580 ₽
Taxi	1,490⁠—⁠15,756 ₽	1,267⁠—⁠18,119 ₽
Trucks with a maximum permitted weight of up to 16 tons	930⁠—⁠11,921 ₽	791⁠—⁠13,709 ₽

The territorial coefficient (TC) values will change. This coefficient is used to calculate the cost of the policy and depends on the owner's place of registration. The TC is calculated based on regional characteristics, such as traffic complexity, accident frequency, road conditions, and climate.

In some cities and regions, the coefficient will be higher, for example in Birobidzhan, Derbent, Kyzyl, Magadan, Makhachkala, Neryungri, Novosibirsk, Ingushetia, and Chechnya.

The rate will decrease in other populated areas, including Vladimir, Vologda, Ivanovo, Kemerovo, Kotlas, Krasnokamsk, Monchegorsk, Murmansk, Novouralsk, Perm, Severodvinsk, Surgut, Syktyvkar, Tyumen, Ukhta, Khanty-Mansiysk, Cheboksary, and Cherepovets.

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.