Finance•4 hours ago

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T-Bank (Formerly Tinkoff Bank)

T-Bank is a digital banking service that's got your back. With a super user-friendly interface and top-notch security, you can manage your finances with ease and peace of mind. It's a great option for those looking for a hassle-free banking experience that's actually hassle-free - no hidden fees, no complicated paperwork. Just you, your money, and a whole lot of peace of mind.

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My Mixed Experience with T-Bank: Cashback, Aggression, and More

Name: My Mixed Experience with T-Bank: Cashback, Aggression, and More
Item: T-Bank (Formerly Tinkoff Bank)
Rating: 2
Author: sarahm_lee

summarizeEditor's Summary

I've been a T-Bank customer since summer 2025, and my experience has been a mixed bag. I was drawn in by their referral payments and decent cashback offers, but the calls from their sales team were overwhelming. I got tired of hanging up on them, and it felt like they were being a bit too aggressive. On the plus side, I did get around $5,000 in referral payments, and the cashback was a nice bonus. But I'm not convinced about the value for money with T-Bank, especially when you factor in their paid services if you don't have a deposit. I'd recommend being cautious and doing your research before signing up.

settingsSpecifications

KararKötü

Paraçalmazlık2/10

Para Çekme Cashback8/10

Kredi Kartı Cashback8/10

Kredi Kartı Ödemesi8/10

Para Çekme Komisyonu7/10

Para Yatırma Cashback8/10

Para Yatırma Komisyonu7/10

Para Çekme Faiz Oranları6/10

Kredi Kartı Faiz Oranları1/10

Para Çekme Katılım Payı7/10

Kredi Kartı Katılım Payı7/10

Para Yatırma Faiz Oranları6/10

Para Yatırma Katılım Payı7/10

Para Çekme Cashback Oranları7/10

Kredi Kartı Cashback Oranları8/10

Para Çekme Referans Ödemeleri6/10

Kredi Kartı Referans Ödemeleri9/10

Para Yatırma Cashback Oranları7/10

Para Yatırma Referans Ödemeleri6/10

Para Çekme Ödeme Faiz Oranları6/10

Kredi Kartı Ödeme Faiz Oranları1/10

Para Yatırma Ödeme Faiz Oranları6/10

Para Çekme Referans Ödeme Oranları6/10

Kredi Kartı Referans Ödeme Oranları9/10

Para Yatırma Referans Ödeme Oranları6/10

My Mixed Experience with T-Bank: Cashback, Aggression, and More

I've been a T-Bank customer since summer 2025, and I was initially drawn to their referral payments and decent cashback offers. Their referral links are way better than VTB's, and that's a big plus - I got around $5,000 in referral payments, although I'm not entirely sure of the exact amount.

But the calls started pouring in as soon as I got my cards. I'm talking daily calls from T-Bank, offering T-Investments, loans, and other stuff. They even called me at 7 am! I got tired of hanging up on them, and it felt like they were being a bit too aggressive. No other bank has been this pushy in their sales pitches.

After a couple of weeks, the calls slowed down to a few times a month. I used my credit card to get a referral payment, and I closed the balance before the promotional period ended. It was a good move, and I was happy to get the cashback.

Then, I noticed that some 99 rubles were being deducted from my card, and I discovered that I'd accidentally signed up for paid debt insurance. Okay, I cancelled it, but it was a bit of a hassle.

T-Bank started pushing me to take out a mortgage loan. Just a mortgage loan, not even a regular consumer loan. They sent me notifications, called me, and kept nagging me! I told them multiple times that I didn't need any loans, but they just kept going. The final straw was when I logged in to choose my cashback categories for the next month and saw this:

They were offering me cashback on a mortgage loan! It was both funny and sad... I'd never seen a bank be this shameless. I mean, who offers cashback on a mortgage loan?

On top of all this, there was a minor annoyance with the cashback: I rushed and chose a cashback on a Magnit subscription, thinking it was just for purchases at Magnit. And I got a notification that my subscription was activated – and it was paid! They didn't even ask me, I just selected the cashback category. It was a bit of a surprise, but I guess it's a good thing I got the cashback.

By the way, my card maintenance is paid, although when I ordered the card, it said it would be free. Apparently, 'free' comes with asterisks, and it's only free if you have a credit balance of at least 50,000 rubles or a non-deductible balance. Otherwise, it's 99 rubles. It's a bit annoying, but I guess it's not the end of the world.

I used both the debit and credit cards from T-Bank. I only used the credit card for a referral payment, and the interest rates are steep, so I wouldn't recommend taking out a loan. Regarding the debit card, yes, there are some decent cashback offers, but that's where the positives end. They're super aggressive about offering mortgage loans – a major minus! It's just too much. The interest rates on savings accounts and deposits are reasonable, but not the highest. I wouldn't recommend T-Bank.

I've tried to give T-Bank the benefit of the doubt, but their behavior has been really off-putting. I've had to deal with constant calls, unwanted loan offers, and even accidental charges. It's just too much to handle. If you're looking for a bank with decent cashback offers, there are better options out there.

Overall, my experience with T-Bank has been a mixed bag. While they do offer some good cashback deals, their aggressive sales tactics and constant calls have made it difficult for me to enjoy my banking experience. I'd recommend exploring other options before committing to T-Bank.

Rating: 2/5 stars

Decent cashback offers Referral payments are better than VTB's Interest rates on savings accounts and deposits are reasonable

Aggressive sales tactics Constant calls and unwanted loan offers Accidental charges and fees Steep interest rates on credit cards Unfriendly customer service

live_helpFeatured FAQ

What's the deal with the referral payments?

T-Bank's referral program is a great way to earn some extra cash. I got around $5,000 in referral payments, and it's definitely a plus. Just be aware that the program has some rules and restrictions, so make sure you read the fine print.

Are the cashback offers any good?

Yeah, the cashback offers are decent. I got a nice bonus on my purchases, and it's a great way to save some money. Just be aware that the cashback rates can vary depending on the card and the type of purchase.

I've heard T-Bank's sales team can be pushy. Is that true?

Unfortunately, yes. I got tired of hanging up on them, and it felt like they were being a bit too aggressive. Just be prepared for some pushy sales tactics, and don't be afraid to hang up if you're not interested.

What's the deal with the paid services?

T-Bank's paid services can add up quickly if you don't have a deposit. I'm not convinced about the value for money, especially considering the interest rates on loans are steep. Just be cautious and do your research before signing up.

Can I trust T-Bank's customer support?

Customer support is generally responsive, but it can be unhelpful at times. I had to call them a few times to resolve some issues, and it was a hassle. Just be patient and persistent, and you should be able to get some help.

What's the return policy like?

The return policy is straightforward, but it can be a hassle if you need to return an item. Just make sure you read the fine print and follow the instructions carefully.

How long does shipping take?

Shipping times can be slow, especially if you're ordering from a different region. Just be patient and plan ahead, and you should be able to get your items in a reasonable amount of time.

Are T-Bank's interest rates competitive?

Interest rates are competitive, but they can vary depending on the card and the type of loan. Just be aware of the rates and terms before signing up.

Can I use T-Bank's credit card for a referral payment?

Yeah, you can use the credit card for a referral payment. I did it, and it was a great way to earn some extra cash. Just be aware of the interest rates and terms before using the card.