# Tinkoff ## At a glance | Field | Value | | --- | --- | | Category | Digital Insurance | | Type | Carrier | | Region | EMEA | | Headquarters | Moscow, Russia | | Founded | 2006 | | Stage | Enterprise | | Employees | 1000+ | ## Overview Tinkoff (now operating as T-Bank since June 2024) is one of Russia's largest digital-first financial services conglomerates. Founded in 2006 by entrepreneur Oleg Tinkov, the company pioneered branchless, app-based banking and insurance distribution in Russia. The insurance operations are branded as T-Insurance, a licensed direct insurer under TCS Group Holding IPJSC. T-Insurance has captured a top-10 position among Russia's largest insurance companies by gross written premium, driven entirely through digital distribution via the T-Bank mobile ecosystem with 55+ million customers as of 2025 (following the January 2025 Rosbank merger). Following 2022-related sanctions, Vladimir Potanin's Interros investment group acquired founder Oleg Tinkov's controlling stake and now holds 41.4% of TCS Holding (as of August 2024). The company represents a pure-play digital insurance model: all policy sales, management, and claims occur entirely within the T-Bank mobile app with no agent or broker distribution. Core insurance technology infrastructure is built on the Guidewire InsuranceSuite platform with proprietary digital layers developed by T-Technologies. ## Category & focus - Insurance verticals: Auto, Property, Travel, Life, Health - Target customers: Consumers, Small Business ## Notable customers - Individual consumers across Russia - T\-Bank banking customers \(55\+ million accounts post\-Rosbank merger in 2025\) - Mass\-market personal lines policyholders - Credit card holders seeking embedded insurance coverage - Mortgage and loan customers bundled with insurance products ## Links - Website: - Directory profile: - \*\*careers\*\*: - \*\*main site\*\*: - \*\*insurance products\*\*: - \*\*group investor relations\*\*: --- *Last updated: 2026\-05\-18*