Pinkoff Bank

2016-06-13 00:00:00:

Pinkoff is a unique bank of its kind. It has no retail outlets, offices or branches. So how does this financial structure interact with its customers?

Interaction between Pinkoff and users is carried out remotely. All operations from the preparation of applications to money transfers and loans are carried out in a virtual mode.

How did Pinkoff Bank originate?

The founder of the company is Oleg Tinkov. He was interested in the model of one of the American banks, which practiced a remote customer service system. Knowing that in the domestic banking business not a single financial institution works with users at a distance, Oleg decided to become a pioneer. And in 2006, the innovative financial structure "Pinkoff Credit Systems" began its activity.

To obtain a license, Tinkov bought a small bank, Himmashbank, which was created by a group of industrial and financial organizations and served the pharmaceutical and chemical industries.

The idea of opening a "bank free of offices" cost the businessman 70 million US dollars.

Pinkoff Bank got back on its feet 8 years ago, when foreign investors became interested in the enterprise. The company's securities were acquired by one of the Swedish organizations, as well as several global funds. They invested in the development of the bank and other structures.

The most successful year for Pinkoff was 2012, when a very large World Fund invested fifty million dollars in the bank. A considerable amount was also invested by the international association Horizon Capital. This group of funds sponsors promising organizations with small capitalization indicators.

Already at the initial stages of the company's development, it was clear that Pinkoff was a bank with great potential: reviews about the company were mostly positive. In just a few years, the value of a financial institution has increased 10 times.

When the company first put up its shares for sale at auction in London, the bank's capital increased by 1 billion US dollars. There were many who wanted to purchase both ready-made packages of valuable documents, in which the share of Pinkoff was determined, and individual shares (they were issued in an additional circulation). But the shareholding of the founder of the company O. Tinkov has significantly "lost weight": if earlier he owned almost 61% of the shares, now his share is slightly less than 51%.

In the summer of 2014, a new limited liability company, Phoenix, appeared in the banking business. It was a subsidiary of Pinkoff Bank (its share is more than 50%). This organization specialized in providing services related to the collection of debts on overdue loans and loans.

Features of Pinkoff Bank

The headquarters of Pinkoff is located in Moscow. The main difference of this financial structure is the absence of offices, branches, branches. The company also does not work in the retail direction of the banking business. Any operation can be performed from a home or laptop computer (or a modern mobile phone with a special application installed).

To date, Pinkoff Bank is a rather large financial structure with about 4,000 employees. Residents of many Russian cities can use the services of the bank. In total, the company has approximately 4 million regular customers. You can withdraw money or replenish the balance through ATMs and payment terminals.

Online banking and applications for portable devices

One of the July days of 2015 became significant for the founders of Pinkoff Bank: their brainchild occupies a leading position among banks that interact remotely with their clients. Mobile applications developed for three types of operating systems (Android, Windows Phone, iOS) were recognized as the best. And the banking program for the iPhone was at the top of the ranking for 3 years.

Monoapplications from Pinkoff

Since 2013, bank employees have been working on the development of special applications that can solve specific problems. These programs are available not only to the company's customers, but also to third-party users. Tinkoff Wallet (a mobile wallet for tablets and phones) was one of the first to be presented to the public. A prepaid electronic bank card was attached to it.

People who use the applications can connect their own cards or order payment documents from Pinkoff. With the help of a mobile wallet, you can pay for goods and services. To do this, the client has the right to use ready-made templates that are provided in the interface, or to create a private payment.

In the fall of 2014, the company releases another application through which citizens can transfer funds from their cards to an account opened with any bank operating in the Russian Federation.

After a while, an application comes out that makes life easier for car owners. With it, drivers can pay a traffic fine.

At the same time, a messenger for instant money transfer (MoneyTalk) appears. To use it, you need to link a bank card to your mobile phone number. After that, money can be transferred to any subscribers, regardless of whether they are chat participants or not. A few months later, this messenger is complemented by a bot designed to conduct financial transactions in Telegram. In the winter of 2016, a full-fledged program for mobile devices appeared - MoneyTalk Telegram.

How to open an account with Pinkoff Bank?

You can open a bank account online. To do this, you need to go to the official website of the company - www.tinkoff.ru. The clients of this financial institution replenish their balance by transfer by mail or through a third-party banking organization, through the Contact and Zolotaya Korona EPS (they cooperate with Pinkoff), through a mobile operator.

What services does the company provide to citizens?

Clients of this banking system can:

• open a bank account;
• issue a payment card;
• arrange insurance;
• use virtual banking.

Offers for companies and organizations

• salary project.
• online acquiring;
• settlement and cash services;
• lending.

For company partners

The Pinkoff company offers favorable conditions for organizations with which a partnership agreement has been concluded, and presents several financial programs for businessmen.

1. For individual entrepreneurs . Favorable conditions of settlement and cash services are offered. The bank presents 2 tariff plans and charges interest on the amount that remains on the account.
2. Buy on credit. This program provides a loan for goods that were purchased in virtual stores.
3. "Pinkoff" Target. With the help of this program, you can track the history of transactions, the direction of the movement of money and receive information about profitable promotions from partners of a financial company.
4. Online acquiring. By linking a payment card, you can make regular payments.

Pinkoff Bank card

The company issues several types of payment cards:

• Tinkoff Platinum credit card;
• Tinkoff Black debit card (paying for purchases with this card, the client receives a small percentage of the amount spent);
• ALL Airlines credit card (the client receives bonuses when buying air tickets);
• co-branded cards (these payment documents are issued by the bank jointly with other organizations; favorable conditions are provided for each category of users).