Sberbank, VTB, Tinkoff Bank and Sovcombank paid RUB 150 billion in refunds to customers in 2022. All banks noted an increase in the number of payments compared to 2021.

Four big banks paid more than 150 billion rubles in repayment in one year

Tinkoff Bank paid more to clients: 65 billion rubles in bonuses, 70% more than in 2021, Vedomosti reported.

Users of “Sberspasibo” received 60 billion bonuses in 2022, 5% more than the previous year. In both organizations, 1 bonus is equal to 1 ruble.

At VTB, in 2022, customers received almost 20 billion bonuses, giving them the option to collect them as points or rubles. Clients bought goods for 15 billion vouchers in the Multibonus catalog and exchanged another 5 billion for rubles at a ratio of 1 point / 85 kopecks, approximately 4.25 billion rubles. VTB launched an updated loyalty program in May and a bonus converter in October.

Sovcombank wrote off 3.3 billion rubles to clients. This is almost 40% more than in 2021.

From April 18 to August 31, the Central Bank limited the acquiring commission of banks for socially significant goods and services to a bar of 1%. Prior to this, tariffs were at the level of 1.2-2.2%.

For example, due to the regulator’s requirement, Sberbank reduced the number of points from 0.5 to 0.3% of the purchase amount in certain categories. At Tinkoff, regulator list category stackups were cut in half.

The Central Bank did not extend the restrictions and the banks began to return the previous conditions. After the regulator stopped regulating the fee, loyalty programs returned to their previous levels, the banks said.

Growth was also affected by paying for purchases through SPB using a QR code. Alfa-Bank was the first in Russia to launch this option in December. Since January this year, in the MKB Bonus program, you can also receive points when paying for purchases using a QR code, button or link.


karina pardaeva

Source: RB

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