T-Bank has launched version 8.0 of its super-app, centered on a 'dopamine banking' concept that prioritizes simplicity and reduced cognitive load. The new interface removes advertisements and stories, featuring a minimalist design with a centralized notification center.
The updated app expands its 'Multibanking' capabilities, first introduced in 2025. Users can now link accounts from other major banks, such as Sberbank, to view balances, track transaction history in a unified feed, and manage payments directly within the T-Bank interface.
A new 'Analytics' feature, powered by machine learning, provides real-time insights into spending habits, top brands, and category trends. It automatically generates summaries and recommendations, functioning as a financial health tracker for the user.
The app introduces a 'Business' sphere, offering tools for tax management, financing, and promotion. Notably, entrepreneurs can access these services without holding a current account at T-Bank. A 'Credits' sphere allows users to monitor their credit rating based on data from three major credit bureaus and manage loans from various banks.
The 'Savings' sphere now consolidates all investment products, deposits, and gold holdings, providing aggregate statistics and the ability to purchase life insurance. Future updates will include a 'Family' sphere and enhanced features for the 'Home' and 'Auto' sections.
