T-Bank
Tinkov built the world's largest standalone digital bank from a credit-card mailer; sanctions forced his exit.
Ex-Tinkoff; 40M+ customers, one of the largest standalone neobanks.
- Who holds it
- The company itself — it holds a full banking licence — Russian banking license.
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from T-Bank’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| AI | AI assistant as the interface |
| HQ | Moscow, RU |
| Founded | 2006 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Russian banking license |
| Card | MC (dom.) · Debit + credit |
| Cashback | Cashback categories |
| Yield | Deposits |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Founders | Oleg Tinkov (exited 2022) |
| Funding | Public (MOEX) |
Verified links: official site ↗
Common questions about T-Bank
What is T-Bank?
T-Bank is a fiat neobank, headquartered in Moscow, RU and founded in 2006. Your money is held custodially, so T-Bank or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Russian banking license).
Does T-Bank have a card, and where can you use it?
It issues a Mastercard (dom.) debit and credit card. It is available in Europe.
Does T-Bank require KYC?
Yes. T-Bank requires identity verification (KYC) to open an account, as a licensed bank.
What does T-Bank cost?
From the verified fields: cashback Cashback categories; yield Deposits. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with T-Bank before relying on them.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
T-Bank appears in
Neobanks that hold their own banking license (132) · Neobanks available in Europe (144) · Neobanks that issue a Mastercard (150) · Neobanks on domestic card networks (16)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.