Summary: Tinkoff Bank does not offer a feature for cryptocurrency trading and investment through its digital banking platform. However, customers have the possibility to use their online banking credentials to establish an account with an external crypto broker or exchange, enabling the deposit of Russian Rubles (RUB).
We recommend exploring Bybit, as they offer immediate and complimentary RUB deposits for Tinkoff Bank account holders. Bybit is an international crypto investment and trading platform with a user base of over 15 million across 180 countries. The platform is available in over forty languages, including Russian, and hosts over 400 cryptocurrencies with the most competitive fees in the industry.
- Instant Russian Ruble (RUB) deposits from Tinkoff via Bank Transfer, Debit Card or Credit Card.
- Buy, sell and trade 400+ Cryptocurrencies for low fees via Spot and Futures trading.
- Regulated and trusted exchange with over 15 million users.
Can I Buy Crypto with Tinkoff?
Yes, Tinkoff Bank allows its clients to transfer various currencies like Euros (EUR), Russian Rubles (RUB), and others to cryptocurrency exchanges regulated in Russia. However, it's important to note that Tinkoff itself does not provide direct services for purchasing or trading cryptocurrencies. To handle digital currency transactions, customers are advised to utilize a licensed cryptocurrency exchange within Russia's jurisdiction, all while using their Tinkoff Bank accounts for seamless financial transactions.
How to Buy Bitcoin and Crypto with Tinkoff Bank
The best strategy to buy Bitcoin and other cryptocurrencies via Tinkoff Bank is through a trusted platform like Bybit. This exchange, acknowledged globally, integrates flawlessly with Tinkoff Bank accounts. Clients can finance their accounts through a variety of methods, including bank transfers, credit cards, and others. With the provision of over 400 cryptocurrencies, Bybit stands as a trustworthy platform for investors across Russia and Central Asia.
Here is an uncomplicated 4-step guideline to initiate:
- Sign Up: Set up an account on Bybit and finalize the verification process.
- Deposit Funds: Choose One-Click Buy, the fiat currency you desire to deposit, and the token you aim to purchase.
- Finalize Transfer: Deposit funds from Tinkoff Bank via Bank Transfer or another available option.
- Buy Crypto: Click 'Buy' and the tokens will be credited to your account instantly.

Is Tinkoff Bank Crypto Friendly?
Tinkoff Bank, a prominent financial entity in Russia, maintains a forward-thinking and cautious approach towards cryptocurrencies. It grants its customers the ability to delve into digital assets through cryptocurrency intermediaries licensed by the Central Bank of Russia or corresponding European regulatory authorities such as CySEC or the European Securities and Markets Authority (ESMA).
By facilitating access to Bitcoin and other cryptocurrencies, investors can navigate traditional banking risks, while concurrently expanding their portfolios with Bitcoin and a wide array of other digital currencies.
About Tinkoff Bank
Tinkoff Bank is a Russian digital-only direct bank, founded in 2006 and offering both consumer banking services and business accounts. The bank has no physical branches, instead customers are able to access their accounts through the Tinkoff mobile app. Tinkoff offers its customers a wide range of features such as credit cards, loans, deposits, and investments. Tinkoff Bank also offers a growing range of services such as international money transfers, currency exchange, and insurance products.
The bank is one of the most innovative banks in Russia, having won multiple awards for its mobile app, customer service and innovation. The company has been ranked first among Russia’s largest banks in the Financial Times’ “Most Innovative Russian Banks” annual survey for several years in a row.

Final Thoughts
In conclusion, while Tinkoff Bank doesn't provide a direct cryptocurrency trading feature, it allows its customers to securely interact with digital assets via established cryptocurrency exchanges like Bybit. By integrating seamlessly with Tinkoff accounts, platforms such as Bybit enable users to expand their investment horizons by gaining access to over 400 cryptocurrencies.
With Tinkoff's forward-thinking approach to crypto, customers can enjoy the benefits of digital assets while navigating traditional banking risks. Therefore, while Tinkoff doesn't directly offer crypto services, it plays a crucial role in facilitating a seamless transition for its customers into the world of cryptocurrencies.