Name: Point Bank
SKU: bfa89ef1-ef19-4524-9b6e-6a9963e6f6e6
Rating: 3 (1 reviews)

Question 1

What is Point Bank?

Accepted Answer

Point Bank is a no-hassle way to handle your everyday banking needs - think of it as having a personal banker in your pocket.

Question 2

What happened when you tried to open a business account with Tinkoff Point?

Accepted Answer

I opened a business and personal account with Tinkoff Point on August 2, 2024, after reading a ton of reviews online. Just a week later, on August 9, I got a huge payment of 300,000 rubles from a long-time client, but they immediately blocked my account and asked for more documentation.

Question 3

How did you try to resolve the issue with your account?

Accepted Answer

I sent over the contract with the client and my explanations, but they responded on August 12, saying they couldn't work with me without a clear reason. They basically told me to write a statement to close the account and transfer the remaining funds to me via the details I provided.

Question 4

What happened when you tried to open a new account with Tinkoff Bank?

Accepted Answer

I quickly opened a new account with Tinkoff Bank within an hour, and everything worked smoothly for four months.

Question 5

What happened when a new client tried to pay you for your work?

Accepted Answer

The bank wouldn't let them make the payment to me because of 'negative factors' associated with my account.

Question 6

Have you talked to Tinkoff Point's support team multiple times?

Accepted Answer

Yes, I've talked to their support team multiple times, but it's been a dead-end conversation.

Question 7

What do you think is the main issue with Tinkoff Point?

Accepted Answer

I think the main issue is their opaque 'negative factors' system, which can be frustrating to deal with and might prevent you from receiving payments.

Question 8

Have you had any issues with other banks?

Accepted Answer

No, I've had a smooth experience with Tinkoff Bank.

Question 9

What would you recommend to fellow freelancers?

Accepted Answer

I would recommend being cautious when dealing with Tinkoff Point and making sure to read reviews and understand their policies before opening an account.

Question 10

Have you considered switching to a different bank?

Accepted Answer

Yes, I've already opened a new account with Tinkoff Bank and plan to use them for my banking needs.

Point Bank

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