Хоум Банк — карты, кредит, СБП

Mobile banking app that puts your entire financial life in one place. Хоум Банк — карты, кредит, СБП delivers fast online applications for bank cards, loans, and instant payments without lengthy bureaucracy or unnecessary office visits.

Open any bank product in minutes, whether you're an existing customer or new to the platform. Get cash loans starting from 2.9% with optional interest returns, secured car loans up to 5,000,000 rubles, refinancing options spanning up to 7 years, and credit cards featuring 120-day grace periods with up to 4 months interest-free. Debit cards reward you with cashback up to 15% in your chosen categories, plus up to 30% through partner offers. Build wealth with deposits, savings accounts, and investment opportunities across stocks, bonds, and other financial instruments.

The "Benefit" program empowers you to select cashback categories monthly and track accrual for every purchase. Redeem points at a 1:1 ratio with rubles—no hidden conversions. Manage your money smarter with debit and credit card options, flexible payment scheduling, and the ability to adjust payment dates or make partial repayments anytime.

Pay bills instantly and free of commission through the Fast Payment System. Transfer money via SBP, card number, or account details. Top up your own cards from other banks commission-free, settle utility bills, fines, mobile services, internet, housing costs, traffic violations, and public services—all within one intuitive interface. Use QR code payments and quick-pay buttons for seamless transactions.

Borrow without the paperwork burden. Use our online credit calculator to estimate your potential, then apply for credit cards or personal loans within minutes. Receive financing for any purpose, including small advances before payday. Access features like credit holidays, financial protection programs, SMS notifications, and flexible repayment certificates.

Invest confidently with partnerships including Home Bank Insurance, Renaissance Life, and AlfaStrakhovanie-Life, delivering reliable coverage. Manage debit and credit card details, transaction limits, blocking, and linked payment systems including MirPay integration.

Хоум Банк — карты, кредит, СБП combines secure mobile banking with genuine financial flexibility, helping you control your money on your terms.