A Money

Performance indicators

2025: 2nd place among the largest MFIs in Russia in terms of loan issuance (79.93 billion rubles)

At the end of 2025, A Money took second place among the largest MFIs in Russia in terms of loans with a volume of 79.93 billion rubles. Such data are contained in the review of the Expert RA rating agency, published on April 27, 2026. Read more here

2024: 4th place in the Russian MFI market in terms of microloans

History

2026: Top manager of Alfa-Bank Alexey Giyazov became a co-owner of A Money

Alfa Bank top manager Alexei Giyazov became a co-owner of the A Money microcredit company, a joint project between Alfa Bank and Zaimer. Giyazov owns 2.5% of "A Money" with a nominal value of 37.5 million rubles. Corresponding changes were made to the Unified State Register of Legal Entities in February 2026. In addition to Giyazov, the company also has eight other founders. Microcredit company "A Money" was launched on the market at the end of 2021 with an authorized capital of 1.5 billion rubles.^[1]

2022: Exit from the capital of "A Money" IFC "Seimer"

On May 27, 2022, the microfinance company Seimer withdrew from the capital of the microcredit company A Money, where it owned a 27% stake. Its share began to own Dmitry Gudzovsky.^[2]

2021: Establishing a company

At the end of December 2021, it became known about the creation by Alfa-Bank of a microcredit company (MCC) "A Money." This is a joint project with IFC Seimer.

According to Interfax, citing data from the SPARK-Interfax analytical system, And Money was registered on December 24, 2021, the company's authorized capital amounted to 300 million rubles. Alfa-Bank's share in it was 73%, Seimer - 27%.

Microcredit companies have the right to raise funds from legal entities and shareholders, but cannot raise funds from individuals who are not founders and issue bonds. In accordance with the law, MCCs cannot issue consumer loans to one borrower for a total amount exceeding 500 thousand rubles.

Earlier in 2021, Alfa-Bank was the first in Russia to automate the work of microfinance organizations with procurement participants. To do this, a super service was launched, with the help of which MFIs can independently create and issue loans, see the status of them, track the course of trading and return funds.

According to Tinkoff, the credit card market in Russia as of July 1 amounted to 1.78 trillion rubles. Since the beginning of the year, the bank portfolio of credit cards has increased by 9.9%, or 161 billion rubles. 20 players account for 98.2% of the portfolio. The top 5 includes Sberbank, Tinkoff Bank, Alfa Bank, Sovcombank and VTB.

Suren Asaturov, deputy director of the ACRA financial institutions ratings group, considers the credit card segment promising for MFIs, but warns of difficulties.

Notes