T-Bank Auto
The “Great” Car Price Was Anything But Real
summarizeEditor's Summary
I've been with T‑Bank for years, so when it was time to shop for a new car I assumed the process would be painless. Turns out the price they showed in the app was way off – 2,570,000 RUB versus a 2,955,000 RUB quote over the phone. The trade‑in offer was low, and the true cost of the vehicle was hidden until we dug into the numbers. After a few days of back‑and‑forth with support they finally owned up to the mistake, but the excitement was already gone. In short, T‑Bank’s usual reliability can’t excuse misleading pricing and a murky trade‑in process.
settingsSpecifications
live_helpFeatured FAQ
Why was the price in the T‑Bank app different from the phone quote?
The app was showing a promo number that left out required discount adjustments, whereas the phone quote gave the final, higher price. Always double‑check both before you commit.
How can I make sure I know the real cost before signing with T‑Bank?
Ask for a written breakdown that lists the price, taxes, fees, and any dealer discounts. Then compare it to the dealer’s official list and get a printed quote.
Does T‑Bank usually give a lower trade‑in value than the market?
They tend to play it safe with a conservative appraisal, which can mean a lower offer. It’s smart to grab an independent valuation for comparison.
I spot a pricing error after I’ve sent in a purchase order—what now?
Call T‑Bank support right away, ask for a written correction, and hold off on any payment until the issue is cleared up.
Does T‑Bank guarantee the advertised price is final?
Their promos usually carry a disclaimer that prices can change. If you need certainty, ask for a “price lock” agreement.
How quick is T‑Bank’s support when it comes to car‑buying problems?
It can be slow—our back‑and‑forth took a few days before they admitted the mistake. Pushing it up to a supervisor usually speeds things up.
Can I haggle over the trade‑in offer with T‑Bank?
There’s not a lot of wiggle room, but you can show a higher third‑party appraisal and ask them to reassess. Results vary.
What hidden fees tend to pop up when buying a car through T‑Bank?
You’ll often see processing charges, added insurance, and dealer‑level markups that weren’t in the original online price.
Is it safer to buy straight from a dealership instead of through T‑Bank?
Dealerships typically show the full sticker price up front, while banks bundle financing. Weigh the transparency against the convenience of financing.
How does T‑Bank deal with refunds or returns if the car price was misrepresented?
If the error is proven, they’ll adjust the contract and may refund any overpayment, but expect the process to take a few weeks.
check_circlePros
- •Our years‑long relationship with T‑Bank gave us confidence to kick off the purchase.
- •The app is easy to use and lets you fire off a trade‑in request in minutes.
- •Support eventually admitted the pricing slip‑up and fixed it.
- •T‑Bank’s core services – payments and financing – are solid and dependable.
- •Once the numbers were straightened out, the trade‑in paperwork was a breeze.
cancelCons
- •The app showed a price that was hundreds of thousands of rubles lower than the phone quote, which was confusing.
- •An extra 385,000 RUB tacked onto the car price never showed up in the initial listing.
- •The trade‑in offer came in below market value, looking like a way to offset the hidden markup.
- •Getting a response was slow; we had to chase support for days.
- •The advertised “great” price turned out to be misleading, making the whole deal feel like a bait‑and‑switch.
