The development of information and communication technologies has reformatted all spheres of the economy. The fast introduction of computer networks, the Internet progress promoted to the creation of a new kind of economy – information one. Credit organizations after telecommunications companies are on the second place on the information technology usage. The presented article touches upon virtual credit organizations - the contemporary model of organization in banking sector. Classification of virtual banking institutions, in a form of the organization of financial institution is represented. In the paper, the interaction models offered by virtual credit organizations for customers are investigated. The estimation of its advantages and disadvantages in comparison with traditional financial institutions is given. Economic data of virtual credit organizations implementation are analyzed. On its basis, the perspectives for advancement and adoption of virtual credit organizations in crisis in the Russian Federation and in the world are studied.