# Wildberries Bank

> Source: https://docs.barcoder.ai/docs/wallets/wildberries-bank
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Wildberries — official](https://www.wildberries.ru/)

## Overview

**Wildberries Bank** is **Wildberries's e-commerce-led neobank**, acquired from **Standard Credit Bank in February 2021** + rebranded to **Wildberries Bank in August 2021** <sup>[1][1], [2][2], [Russian Federation report](https://docs.barcoder.ai/docs/payments/RU)</sup>. **January 2022 — Wildberries Bank launched prepaid virtual WB-cards with digital wallet**.

**Distinctive market signal**: by **2024-2025**, **~70% of Wildberries marketplace turnover comes from payments through wallets** (Ozon + Wildberries combined data point) — overwhelming wallet-payment integration with Russia's largest marketplace.

**2025-2026 milestones**:
- **End-2025 — Russian electronic-payment-system market** = **₽70.1 billion** (projected ₽84.4B in 2026) <sup>[3][3]</sup>.
- **2025 — Wildberries launches crypto payments in Belarus** <sup>[4][4]</sup> — Russia's leading e-commerce platform enables crypto-payments in BY.
- **March 2026 — Wildberries launches crowdinvesting feature** for users <sup>[5][5]</sup> — financial-services expansion beyond banking.

## History

**February 2021 — Wildberries acquires Standard Credit Bank** <sup>[1][1]</sup>.

**August 2021 — Standard Credit rebranded to Wildberries Bank** <sup>[1][1]</sup>.

**January 2022 — WB-cards prepaid virtual + digital wallet launch** <sup>[1][1]</sup>.

**2024-2025 — 70%+ Wildberries marketplace turnover via wallets** (Wildberries + Ozon combined RU e-commerce-wallet data point).

**2025 — Wildberries crypto payments launch in Belarus** <sup>[4][4]</sup>.

**March 2026 — Wildberries crowdinvesting feature** <sup>[5][5]</sup>.

## Ownership & operator

**Operating entity**: **Wildberries Bank** (Wildberries subsidiary; ex-Standard Credit Bank).

**Parent**: **Wildberries** — Russia's largest online retailer.

**Wildberries co-founders / controlling**: **Tatyana Bakalchuk** (Russia's first female self-made billionaire) + **Vladislav Bakalchuk** (separated; ongoing custody-dispute context).

**Regulators**: **Bank of Russia (CBR)** + **NBRB (National Bank of Republic of Belarus)** for crypto-payments expansion.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Wildberries Bank within Wildberries mobile app (iOS + Android) + WB-cards (prepaid virtual + physical) + Wildberries online checkout |
| **Identifiers** | Phone + card number |
| **WB-cards**: Prepaid virtual + physical card with digital wallet (Jan 2022 launch) |
| **License** | Banking license inherited from Standard Credit Bank acquisition (Feb 2021) |
| **2025 BY crypto**: Wildberries crypto payments in Belarus |
| **2026 crowdinvesting**: Wildberries crowdinvesting (March 2026 launch) |

## Users & growth

**2024-2025 baseline** <sup>[2][2]</sup>:
- **Wildberries marketplace turnover via wallets**: ~70% (Wildberries + Ozon combined data point)
- **End-2025 RU electronic-payment-system market**: ₽70.1 billion → ₽84.4B in 2026

## Use cases

Native Wildberries marketplace checkout (70%+ of turnover); WB-cards prepaid spending (Jan 2022+); cross-border Belarus crypto-payments (2025+); crowdinvesting feature (Mar 2026+); financial-services expansion beyond marketplace.

## Implementations & partners

**Operator**: **Wildberries Bank** (Wildberries subsidiary).

**Parent**: **Wildberries** (Russia's largest online retailer).

**Major Russian competitors**:
- **[Ozon Bank](https://docs.barcoder.ai/docs/wallets/ozon-bank)** (e-commerce-led rival; 31.7M active customers Q2 2025)
- **[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)
- **[YooMoney (formerly Yandex.Money)](https://docs.barcoder.ai/docs/wallets/yoomoney)** (Sberbank-owned e-wallet)

**Regulators**: **Bank of Russia (CBR)** + **NBRB (Belarus)** for crypto-payments.

## Fun facts

- **February 2021** — Wildberries acquires Standard Credit Bank.
- **August 2021** — rebranded to Wildberries Bank.
- **January 2022** — WB-cards prepaid virtual + digital wallet launch.
- **~70% Wildberries marketplace turnover via wallets** (2024-2025).
- **2025 Belarus crypto-payments launch** — distinctive Russia-leading e-commerce crypto adoption.
- **March 2026 crowdinvesting feature** — financial-services expansion.
- **Tatyana Bakalchuk** = Russia's first female self-made billionaire (Wildberries co-founder).
- **2024 Wildberries-Russ merger** drama + custody/control disputes around Bakalchuk separation.

## Comparison

| Feature | Wildberries Bank | [Ozon Bank](https://docs.barcoder.ai/docs/wallets/ozon-bank) (RU e-commerce rival) | [Mercado Pago](https://docs.barcoder.ai/docs/wallets/mercado-pago) (LATAM analogous e-commerce-led) | [T-Bank (formerly Tinkoff Bank)](https://docs.barcoder.ai/docs/wallets/t-bank) (RU super-app) | [SberPay](https://docs.barcoder.ai/docs/wallets/sberpay) (RU bank-led) |
|---|---|---|---|---|---|
| Operator | **Wildberries Bank (Wildberries subsidiary; ex-Standard Credit Feb 2021)** | Ozon Bank (Ozon Holdings) | Mercado Pago (MercadoLibre) | T-Bank (Tinkoff heritage) | Sberbank |
| Type | **RU e-commerce-led neobank + WB-cards prepaid + 2025 BY crypto + 2026 crowdinvesting** | RU e-commerce-led universal-license neobank | LATAM e-commerce-led super-app + wallet | RU super-app + bank | RU bank-led payment rail |
| Country | Russia + Belarus | Russia | 8 LATAM | Russia | Russia |
| Distinctive | **~70%+ marketplace turnover via wallets; BY crypto-payments 2025; crowdinvesting 2026** | 31.7M active + 34.4M Fintech MAU; 35th largest RU bank by assets; 350-ATM rollout | LATAM #1 e-commerce-led super-app | Tinkoff heritage super-app | Apple/Google Pay 2022-exit replacement; Sber ecosystem |

## Status

**Active, Russia's leading e-commerce-led neobank rival to Ozon Bank** <sup>[1][1], [4][4]</sup>:
- **Wildberries Bank** since Aug 2021 rebrand (ex-Standard Credit acquired Feb 2021).
- **WB-cards prepaid + digital wallet** since Jan 2022.
- **~70% Wildberries turnover via wallets** (2024-2025).
- **2025 Belarus crypto-payments launch + March 2026 crowdinvesting**.
- **CBR-regulated** + NBRB Belarus for crypto.

## Sources

[1]: https://en.wikipedia.org/wiki/Wildberries "Wildberries — Wikipedia"
[2]: https://sber.bank.in/media/faq/faq-what-payment-methods-do-russian-customers-prefer "Russian preferred payment methods 2025 — Sberbank India branch"
[3]: https://tadviser.com/index.php/Article:Electronic_payment_systems_in_Russia "RU electronic-payment-systems market — TAdviser"
[4]: https://www.cryptopolitan.com/russia-wildberries-crypto-payment-in-belarus/ "Wildberries Belarus crypto-payments — Cryptopolitan"
[5]: https://aimgroup.com/2026/03/25/wildberries-launches-crowdinvesting-feature-for-users/ "Wildberries crowdinvesting Mar 2026 — AIM Group"
[ru-cro]: https://docs.barcoder.ai/docs/payments/RU

- [1] [Wildberries — Wikipedia][1]
- [2] [Russian preferred payment methods 2025 — Sberbank India branch][2]
- [3] [RU electronic-payment-systems market — TAdviser][3]
- [4] [Wildberries Belarus crypto-payments — Cryptopolitan][4]
- [5] [Wildberries crowdinvesting Mar 2026 — AIM Group][5]
- <sup>[Russian Federation report](https://docs.barcoder.ai/docs/payments/RU)</sup> In-corpus: `reports/countries/RU-russia.md`

## Source

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