The history of Tinkoff Internet banking began back in 2006. Russian businessman Oleg Tinkov decided to create a fundamentally new banking system in Russia. Its principle of operation was the complete remote customer service. Using American companies as an example, Oleg began to realize his ideas. In order not to worry about licenses, he acquired a ready-made small bank, the main activity of which was servicing chemical and pharmaceutical enterprises. After investing 90 percent of his total capital, Oleg began the story of Tinkoff Internet banking.
Ratings
To date, the organization ranks 36th in the ranking of equity and takes 45th place in terms of assets. For a long existence, the bank’s budget exceeded unimaginable amounts: net assets amounted to about 246 billion rubles. Impressive is the fact that in terms of net profit, the company is on the 10th line among all Russian competitors.
Principle of operation
As mentioned earlier, the organization specializes in remote maintenance. What does this mean? This is a technology that provides customers with services remotely, that is, you do not need to come to the bank. All processes occur either over the telephone or over the Internet. Of course, such activities are more aimed at the younger generation, which easily owns a computer.
At first, it was difficult for people to get comfortable, and there was no trust in such a system, because all translations are made online, and you also have to submit documents via the Internet. But after a certain period, the company was able to gain the trust of citizens, while emphasizing the features and advantages of such an organization.
The company is actively seeking competent employees for the best service. Usually these are young professionals who want to gain invaluable experience in the banking sector, as well as in remote servicing.
Settlement and cash services
Tinkoff Bank for legal entities provides the opportunity to use settlement and cash services tariffs for legal entities, namely owners of small and medium-sized businesses. The opportunities provided facilitate many of the business processes that entrepreneurs face.
What is RKO?
This term is interpreted as a combination of services provided by the bank to its own users. This includes such processes on the part of the organization: Internet operations, servicing and maintaining the current customer account (control and the possibility of cashless payments within the residual amount), the acquisition and further sale of foreign currencies, withdrawals and transfers of funds, transportation of proceeds, guarantees and account protection and much more.
Tariffs
At the moment, Tinkoff Bank services for legal entities bring a huge share of profit for the company. Competing with other organizations, he goes to create more preferential tariffs.
The first of these is Simple. It was created for start-up entrepreneurs who own small capital and small turnover. For 490 rubles per month, the client receives the first 3 free payments, and subsequently the price is 49 rubles for each. This tariff is most interesting in that no funds are charged for the first two months of use. It is also worth noting the accrual of 6 percent per annum on the account balance.
Next, you should consider the "Advanced" tariff plan.It is this tariff that represents the most advantageous service for the Tinkoff client-bank for legal entities. It includes the lack of payment for the first two months of use and the first 10 payments. At the end of the grace period, the cost per month will be 990 rubles, and for subsequent payments, 29 rubles. Such a cost of services is aimed specifically at medium-sized business owners who make a large number of monetary transactions in an amount not exceeding 3,000,000 rubles.
The most expensive is the "Professional" tariff plan. It was created for serious entrepreneurs who own significant turnover and capital. The cost will be 4990 rubles per month, as well as 19 for each individual payment. This tariff will be beneficial only if a huge amount of money transactions are made in large amounts. Then the cost of the service itself will not play a significant role, and you will not see any financial loss.
Advantages of Tinkoff Bank Tariffs for Legal Entities
1. Flexible pricing strategy. Settlement and cash services tariffs are created with optimal conditions taking into account the capabilities and needs of each class of individual entrepreneurs.
2. Transparent policy created for the maximum ease of design and perception by the client.
3. A large staff of competent employees, as a result of which each buyer has a personal manager who is able to answer questions related to the banking sector, as well as regulate your account and notify of problems.
4. The return of funds to the account for the residual amount. Each tariff plan has its own percentage, but in general it is from 6 to 8. The advantage of this function is that it does not require any additional agreements, and interest will be charged automatically.
5. An extended processing schedule and an increased rate of acceptance of payment transactions. The working day lasts from 7.00 to 21.00 inclusive. This allows customers not to infringe on any process.
6. The company discusses each contract individually with each client, thereby providing a choice of several more services that will be more preferential in the aggregate. This process reduces the time spent by the customer himself to find information, and also all the details become more clear and transparent.
Reviews on using Tinkoff Bank online for legal entities
Many wholesale companies, serviced by several banks, often run into problems. The bottom line is that for a certain reason the account is blocked. Most often this happens due to any errors in the documents. Typically, this process develops in several stages: blocking the bill, paperwork, which will last several weeks, and as a result, a non-working bill.
The client-bank "Tinkoff" created the most comfortable conditions for solving this problem. The company receives a request. The answer to it and the provision of all documents is given a few days. After that, the responsible person from the bank checks all the documentation for inaccuracies and errors. When they are found, the employee contacts the company, notifies what the reason is, and determines the procedure for further actions. In this case, the bank’s specialist acts as a human rights activist who is trying to solve problems, and not just give up. In conclusion of this unpleasant situation, in most cases, accounts of legal entities remain intact and operate in the previous mode. The bank maintains its customer base, and those, in turn, continue to enjoy the service. With all questions, customers can contact the Tinkoff Bank hotline for legal entities, the phone number is listed on the official website of the company.
Conclusion
Tinkoff Bank is indeed a good solution for servicing both legal entities and individuals.According to many users, the remote communication system with customers is very convenient, because it is not tied to any places, therefore, the customer can manage his finances from anywhere in the world, if only the Internet is available. This direction, innovative for our country, will develop more and more.