Tinkoff is a free finance app for Russians. Designed with convenience in mind, it gives users various digital payment options for initiating any kind of transaction — from bills and debt payments to withdrawals. The platform also gives them complete control over their cards, thanks to its comprehensive card management feature.

What’s more, Tinkoff comes with an exchange rate viewer for assessing the conversion rates between the Russian Ruble and any currency of your choice. However, bear in mind that you’ll need a Russian phone number to sign up or log in to the app. 

Diverse and hassle-free payment methods

Much like other online banking apps in the market, Tinkoff helps make transactions faster and easier for any Russian client. For example, paying your bills, debts, and taxes can be done with a tap of a button by simply subscribing to a utility company as well as the Federal Tax Service and Federal Bailiffs Service. It also boasts recurring and automatic payment systems to prevent overdue bills and payments. 

Fund transfers are quick and hassle-free, too. Depending on the user’s needs and preferences, they have the option to perform such transactions via bank-to-bank or card-to-card transfers and QR codes. Interestingly, withdrawals are touchless in the app — allowing you to withdraw your desired amount from an ATM using only a QR code while ensuring your safety. Of course, card management is also an essential feature of this program. 

With its robust card management system, you can change your card’s PIN or payment confirmation mode, block cards, and many more. As a bonus, you can even score a couple of amazing deals and offers in the app. Additionally, the built-in map is handy for when you need to find the nearest ATM or bank branches — be it Tinkoff or any banking institution in Russia.

Complete transactions from your fingertips

From QR codes to bank-to-bank and card-to-card transfers, Tinkoff provides clients with convenient payment methods to complete a wide range of transactions. Plus, its recurring and automatic payment systems help speed things up while also avoiding unneeded stress from overdue bills. The app prioritizes your safety, too, since it makes use of QR codes to initiate withdrawals in ATMs. Unfortunately, though, it is aimed at the Russian market.