Tochka Bank

Tochka (Tochka Bank) is a leading Russian digital bank and financial technology platform designed specifically for small and medium-sized businesses, entrepreneurs, and freelancers. Operating without traditional physical branches, the company offers fully online business banking services, including account opening, multi-currency processing, tax automation, and corporate card management. Beyond core financial products, Tochka provides an integrated business ecosystem featuring accounting tools, legal support, marketplace seller services, and analytics to help companies manage and scale their operations.