Wallets/ozon-bank
Ozon Bank
0 standards supported
Overview
Ozon Bank is Russian e-commerce giant Ozon's neobank subsidiary, operating under a universal banking license from the Bank of Russia (CBR) [1, 2, ru-cro]. 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 [3]: 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 [1] as Ozon Holdings' banking subsidiary.
2022-2024 — Rapid Russian adoption [2]: Multi-million customer growth.
Q2 2025 (June 30) — 31.7M active customers + 34.4M Fintech MAU (+43% YoY) [2].
End-2025 — 350 ATM network rollout [4].
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]] (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) [2]:
- 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 [4]: 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]] (Sberbank's bank-led payment rail)
- [[t-bank]] (Russian super-app)
- [[wildberries-bank]] (e-commerce-led rival; 70%+ turnover via wallets)
- [[yoomoney]] (Sberbank-owned e-wallet)
- [[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]] (RU e-commerce rival) | [[sberpay]] (RU bank-led) | [[t-bank]] (RU super-app) | [[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 [2, 4]:
- 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 Ozon (company) — Wikipedia
- 2 Ozon Q2 2025 results — Ozon IR
- 3 Ozon Card launch — Ozon corp
- 4 Ozon Bank 350 ATMs — Interfax
- ru-cro In-corpus:
reports/countries/RU-russia.md
Source
Biography extracted from ozon-bank.md. See matrix.md for standards-support matrix if present.