I run my everyday spending, savings and a brokerage account all through Tinkoff and the integration is flawless. Buying stocks and ETFs from the same app I pay bills in is incredibly convenient, and the analytics on my spending are genuinely useful. The 24/7 chat support has never let me down.
All-in-one banking and investing
Tinkoff remains one of the most convenient banks I've used and the app is a pleasure day to day. What tempered my enthusiasm is that some fees and the conditions for free service changed, and I had to watch my balance to avoid charges. Still good, just not as effortlessly free as it once felt.
Very convenient day to day
Fee conditions became stricter
Tinkoff completely changed how I bank — opening a card was done from my phone with a courier delivering it next day, and the app handles cards, savings and investing seamlessly in one place. Cashback lands automatically and the in-app support actually solves things in minutes. A genuinely brilliant online bank.
Outstanding app, fast card delivery
Tinkoff's app and card experience are excellent and the payments are instant. My mixed feeling comes from the constant upselling — every login seemed to surface a new loan or insurance offer, and an agent kept pushing a premium tier I didn't want. Strong product, slightly pushy approach.
Polished app and instant payments
Persistent product upselling
I've been with Tinkoff for years and the combination of generous cashback categories, free transfers and a genuinely useful app keeps me loyal. Setting up a savings vault took seconds and the interest is credited reliably. For a fully online bank with no branches, the service feels remarkably complete.
Generous cashback, reliable savings