How to connect T-Bank

1. Issue a token in T-Bank

1. On the T-Bank website open the T-Investments settings → the T-Invest API tokens section and issue a new token. The mobile app has no token section — the website only.
2. Choose «Read only» and the account you need — or all accounts.
3. Copy the token: it is shown only once.

Under T-Bank's rules a token is valid for 3 months from its last use, and a new one has to be used within 7 days. Connect it in Davinchu right away: a connected account uses the token all the time, so its validity extends on its own.

2. Connect the account in Davinchu

1. In the dashboard open «Accounts» → the «Brokers» tab → «+ Connect account». The «Connect a broker» window opens — pick T-Bank.
2. Paste the token into «T-Invest API token» and click «Find accounts». The dashboard lists the token's open brokerage accounts with their access level: «Read only», «Full access» or «No access».
3. Pick the account, optionally set a «Name» and click «Connect». The dashboard checks access with T-Bank before it saves the token.

One connection is one account. If you have several, connect each with the same token: every account gets its own row in the «Brokerage accounts» table.

3. What arrives in Davinchu

• The account portfolio — shares, funds, bonds and cash with the broker's average price. Amounts are converted to dollars: rubles, euros and yuan at the Moscow Exchange rate, so a T-Bank account adds up with IBKR and crypto into one number.
• Deposits and withdrawals — completed cash in and out operations at the rate of the operation date. They go into the account's cash flow records, and growth on the «Accounts» page is calculated without them.
• The «Investments» portfolio — T-Bank securities next to IBKR shares, crypto and manual assets: value, TWR and XIRR return, drawdown, allocation, rebalancing and the «Investor report» PDF. The portfolio refreshes every 15 minutes.

To load the securities into a portfolio for the first time, open the portfolio → «Data sources» → click «Sync» next to the T-Bank account. After that the portfolio updates on its own. How to measure returns with deposits is covered in «Portfolio return with deposits: TWR and XIRR explained».

Read-only or full-access token

Davinchu only reads the portfolio and operations and places no orders, so a «Read only» token is enough. A full-access token is accepted too, with a reminder right away: «Broker connected. The token also allows trading — better issue a read-only token.»

A new token

If you revoked the token in T-Bank or issued a new one, delete the account on «Accounts» («More actions» → «Delete») and connect it again with the new token. The positions in the «Investments» portfolio stay — click «Sync» in «Data sources», and the portfolio keeps updating from the new connection.

If something goes wrong

Plan

A brokerage account takes a slot in the plan's account limit, like MetaTrader or an exchange: Free — 2, Plus — 5, Pro — 15, Elite — 50; an extra account is $2 a month on any plan. «Investments» is available on every plan. See pricing.