T-Bank Premium (formerly Tinkoff) Reviews
T-Bank Premium: Where's the Love?
summarizeEditor's Summary
I've been with T-Bank since 2018, and I gotta say, my experience with their Premium segment has been a total letdown. I was head over heels in love with the bank, but now I'm not so sure. Here's my take on what's gone wrong.
settingsSpecifications
live_helpFeatured FAQ
What's the deal with the All Airline card not giving me any rewards?
I've been trying to get rewards on my All Airline card for over a year, but it seems like T-Bank has changed their policy and I'm not eligible anymore.
How does the Premium segment compare to the Pro account?
From what I've seen, the Pro account gets higher interest rates and better rewards, which is a bit annoying.
Can I get a higher interest rate on my savings account?
I've tried to negotiate a higher interest rate, but it seems like T-Bank is sticking to their standard rate.
What's the deal with my credit card being declined at some merchants?
I've had issues with my credit card being declined at some merchants, but I'm not sure if it's a problem with the card or the merchant.
Are the fees for the credit card worth it?
I'm not sure if the fees for the credit card are worth it, especially when I'm not getting any rewards.
Can I get a duplicate of my credit card for my parents?
Yes, I can get a duplicate of my credit card for my parents, which is convenient.
How does the customer service compare to other banks?
I've had okay experiences with the customer service, but it's not like they're going out of their way to help me.
Can I upgrade to the Pro account?
I'm not sure if I can upgrade to the Pro account, but I'd have to check with T-Bank to see if it's an option.
What's the minimum balance required for the savings account?
I'm not sure what the minimum balance required is, but I'd have to check with T-Bank to see if it's a requirement.
Can I get a higher credit limit on my credit card?
I've tried to negotiate a higher credit limit, but it seems like T-Bank is sticking to their standard limit.
Are there any other benefits to the Premium segment?
I'm not sure if there are any other benefits to the Premium segment, but I'd have to check with T-Bank to see what's included.
Can I cancel my Premium account?
I'm not sure if I can cancel my Premium account, but I'd have to check with T-Bank to see if it's an option.
check_circlePros
- •The metal credit card is a nice touch, but it's not enough to make up for the lack of rewards on my All Airline card.
- •I do like the 12% interest on my savings account, but it's not as high as my friend's Pro account, which gets 14%.
- •The debit card and credit card with a 700k limit have been convenient, but I'm not sure if they're worth the hassle.
- •I appreciate the fact that my parents can use duplicates of both cards, but it's not a game changer for me.
- •The customer service has been okay, but it's not like they're going out of their way to help me.
cancelCons
- •I'm still waiting for rewards on my All Airline card, and it's been over a year since I signed up for Premium.
- •The interest rates on my savings account are decent, but they're not as high as I expected.
- •I've had issues with my credit card being declined at some merchants, which is frustrating.
- •The fees for my credit card are higher than I'd like, especially when I'm not getting any rewards.
- •I feel like I'm not getting the same level of service as my friend with the Pro account, which is annoying.
