# Ozon Bank

> Source: https://docs.barcoder.ai/docs/wallets/ozon-bank
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Ozon Bank — official](https://www.ozon.ru/category/ozon-bank/)

## Overview

**Ozon Bank** is **Russian e-commerce giant Ozon's neobank subsidiary**, operating under a **universal banking license from the Bank of Russia (CBR)** <sup>[1][1], [2][2], [Russian Federation report](https://docs.barcoder.ai/docs/payments/RU)</sup>. By **Q2 2025 (June 30, 2025)**:
- **Ozon Bank active customers**: **31.7+ million**
- **Fintech active users (broader Ozon fintech)**: **34.4 million** (+43% YoY)
- **Ozon Bank rank**: Russia's **35th largest bank by assets** (end-Q1 2025)
- **ATM network**: 350 ATMs across Russia (to roll out by end-2025)

**Ozon Bank breakthrough card** <sup>[3][3]</sup>: Ozon launched **its own bank card** for purchases on its marketplace **+ beyond** — distinctive e-commerce-led integration model. By 2024-2025, **70% of Ozon's marketplace turnover comes from payments through wallets** (Ozon + Wildberries combined data point).

## History

**2020-2022 — Ozon e-commerce subsidiary development**.

**2022 — Ozon Bank launches** <sup>[1][1]</sup> as Ozon Holdings' banking subsidiary.

**2022-2024 — Rapid Russian adoption** <sup>[2][2]</sup>: Multi-million customer growth.

**Q2 2025 (June 30) — 31.7M active customers + 34.4M Fintech MAU (+43% YoY)** <sup>[2][2]</sup>.

**End-2025 — 350 ATM network rollout** <sup>[4][4]</sup>.

## Ownership & operator

**Operating entity**: **Ozon Bank** (Ozon Holdings subsidiary).

**Parent**: **Ozon Holdings PLC** (NASDAQ: OZON formerly; current Russian listing only post-sanctions context).

**Regulator**: **Bank of Russia (CBR)** — Universal banking license.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Ozon Bank mobile app (iOS + Android) + Ozon Bank card + Ozon Bank ATM network (350 ATMs rollout 2025) |
| **Identifiers** | Phone + card number |
| **Russian national rail** | **[SBP Universal QR](https://docs.barcoder.ai/docs/standards/sbp-universal-qr)** (Faster Payment System) |
| **License** | Universal banking license (CBR) |
| **Ozon ecosystem integration** | Native payment for Ozon marketplace + Ozon Travel + Ozon Express |
| **Distinctive** | E-commerce-led neobank — wallet usage drives 70%+ Ozon marketplace turnover |

## Users & growth

**Q2 2025 (June 30)** <sup>[2][2]</sup>:
- **Ozon Bank active customers**: 31.7+ million
- **Fintech active users (broader Ozon fintech)**: 34.4 million
- **Fintech MAU YoY growth**: +43%
- **Ozon Bank rank**: Russia's 35th largest bank by assets (end-Q1 2025)

**End-2025 ATM rollout** <sup>[4][4]</sup>: 350 ATMs across Russia.

## Use cases

Ozon marketplace payments (native checkout); Ozon Travel + Ozon Express integration; consumer retail banking (savings + cards + deposits); SBP transfers; ATM cash-withdrawal (350-ATM network 2025+); Ozon Card spending beyond Ozon marketplace.

## Implementations & partners

**Operator**: **Ozon Bank** (Ozon Holdings subsidiary).

**Parent**: **Ozon Holdings** — Russian e-commerce giant ("Russian Amazon").

**Major Russian competitors**:
- **[SberPay](https://docs.barcoder.ai/docs/wallets/sberpay)** (Sberbank's bank-led payment rail)
- **[T-Bank (formerly Tinkoff Bank)](https://docs.barcoder.ai/docs/wallets/t-bank)** (Russian super-app)
- **[Wildberries Bank](https://docs.barcoder.ai/docs/wallets/wildberries-bank)** (e-commerce-led rival; 70%+ turnover via wallets)
- **[YooMoney (formerly Yandex.Money)](https://docs.barcoder.ai/docs/wallets/yoomoney)** (Sberbank-owned e-wallet)
- **[Mir Pay](https://docs.barcoder.ai/docs/wallets/mir-pay)** (national NSPK)

**Regulator**: **Bank of Russia (CBR)**.

## Fun facts

- **Q2 2025 — 31.7M active customers + 34.4M Fintech MAU (+43% YoY)**.
- **Russia's 35th largest bank by assets** (end-Q1 2025) — rapid post-2022 rise.
- **350-ATM rollout by end-2025** — physical Ozon presence expansion.
- **Ozon Card** — Ozon's own bank card for marketplace + beyond.
- **Ozon e-commerce-led neobank model** — wallet drives 70%+ Ozon marketplace turnover.
- **Universal banking license** from Bank of Russia.

## Comparison

| Feature | Ozon Bank | [Wildberries Bank](https://docs.barcoder.ai/docs/wallets/wildberries-bank) (RU e-commerce rival) | [SberPay](https://docs.barcoder.ai/docs/wallets/sberpay) (RU bank-led) | [T-Bank (formerly Tinkoff Bank)](https://docs.barcoder.ai/docs/wallets/t-bank) (RU super-app) | [Mercado Pago](https://docs.barcoder.ai/docs/wallets/mercado-pago) (LATAM e-commerce-led analogue) |
|---|---|---|---|---|---|
| Operator | **Ozon Bank (Ozon Holdings subsidiary)** | Wildberries Bank (Wildberries acquired Standard Credit Feb 2021, rebranded Aug 2021) | Sberbank | T-Bank (Tinkoff heritage) | Mercado Pago (MercadoLibre, NASDAQ: MELI) |
| Type | **RU e-commerce-led neobank + universal bank license** | RU e-commerce-led prepaid + virtual card | RU bank-led payment rail | RU super-app + bank | LATAM e-commerce-led super-app + wallet |
| Country | Russia | Russia | Russia | Russia | 8 LATAM |
| Users | **31.7M active + 34.4M Fintech MAU (Q2 2025)** | Major (70%+ Wildberries turnover via wallets) | Sber 100M+ retail base | Russia super-app scale | 72M+ |
| Distinctive | **35th largest RU bank by assets; 350 ATM rollout 2025; Ozon Card** | WB-cards virtual prepaid + Belarus crypto-payments launch | Apple/Google Pay 2022-exit replacement | Tinkoff heritage super-app | LATAM #1 e-commerce-led super-app |

## Status

**Active, Russia's leading e-commerce-led neobank** <sup>[2][2], [4][4]</sup>:
- **Ozon Bank** (Ozon Holdings subsidiary) since 2022.
- **Q2 2025: 31.7M active + 34.4M Fintech MAU (+43% YoY)**.
- **Russia's 35th largest bank by assets** (end-Q1 2025).
- **350-ATM rollout by end-2025**.
- **CBR universal banking license**.

## Sources

[1]: https://en.wikipedia.org/wiki/Ozon_(company) "Ozon (company) — Wikipedia"
[2]: https://ir.ozon.com/en/sth/ozon-reports-second-quarter-2025-financial-results-and-raises-full-year-outlook-c397b9ca "Ozon Q2 2025 results — Ozon IR"
[3]: https://corp.ozon.com/en/sth/ozon-launches-its-own-bank-card-for-purchases-on-its-marketplace-and-beyond-2ce54a9d "Ozon Card launch — Ozon corp"
[4]: https://interfax.com/newsroom/top-stories/112952/ "Ozon Bank 350 ATMs — Interfax"
[ru-cro]: https://docs.barcoder.ai/docs/payments/RU

- [1] [Ozon (company) — Wikipedia][1]
- [2] [Ozon Q2 2025 results — Ozon IR][2]
- [3] [Ozon Card launch — Ozon corp][3]
- [4] [Ozon Bank 350 ATMs — Interfax][4]
- <sup>[Russian Federation report](https://docs.barcoder.ai/docs/payments/RU)</sup> In-corpus: `reports/countries/RU-russia.md`

## Source

Biography extracted from [ozon-bank.md](https://docs.barcoder.ai/source/wallets/ozon-bank). See `matrix.md` for standards-support matrix if present.