In May 2019, the Bitcoin rate reached $8,000 and continues to grow. Since the beginning of the year, the coin has more than doubled in price. Analysts are already predicting the rate of 1 BTC at 30 thousand US dollars in the coming years, and this is not the limit, since the number of Bitcoins has a limited emission and halving is expected in 2020. Now is the right time to invest money in the purchase of cryptocurrency in order to earn money in the future or take profits and sell valuable coins.

The main way to buy or exchange Bitcoin cryptocurrency is through online exchangers. There are a lot of them on the Internet, so when choosing, we look at reviews and reputation. It is important to have a reserve, the necessary payment systems, a good exchange rate, online support, and fast execution of requests.

Through Bitcoin exchangers You can get Bitcoin to your wallet by making an exchange with any payment system. Here you can not only buy, but also exchange Bitcoins at the best rate. You can also exchange Qiwi, Yandex.Money, Perfect Money, Advcash and other electronic payment systems for the most popular cryptocurrencies - Ethereum, Waves, Litecoin, Dash, Zcash and others.

Bitcoin (BTC) exchanger	Payment systems	Bitcoin exchange website	Fiat currencies	Discount coupon
				coupon: Profinvest
			dollar, Russian ruble, euro, hryvnia, tenge, Belarusian ruble	coupon: profinvestment60
				-
			dollar, Russian ruble, euro	baksprofinvest - 0.1% discount on 5 exchanges
			dollar, Russian ruble	-
			USD, RUR, EUR, UAH, KZT, BYN	NICEprofinvest coupon
			USD, RUR, EUR	ProfMchange (until August 30)
			-
			dollar, Russian ruble	-
			dollar, Russian ruble	-
			dollar, Russian ruble, euro	-
			dollar, Russian ruble, euro	-
			RUB	-
			dollar, Russian ruble, euro, tenge, Belarusian ruble	-
			USD, RUR, EUR, UAH, KZT, BYN, CNY; international bank transfers KZT, AZN, MDL, TRY, PLN, CZK, AUD and others	-
			USD, RUR, EUR, KZT, UAH, BYN	-
			USD, RUR, EUR	-
			USD, RUR, EUR	-
			dollar, Russian ruble, euro, pound	-
			dollar, Russian ruble, hryvnia	-

Let's take a closer look reliable bitcoin exchangers where you can buy Bitcoin profitably in 2019:

• Prostocash is a 24/7 online exchanger for Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), EOS, NEM, Stellar (XML), Cardano (ADA), Zcash, Dogecoin (XDG), Waves and others famous cryptocurrencies. Operating since 2017, reviews are positive. A wide selection of exchange directions: banks (Privat24, Sberbank, Alfa Bank, VTB-24, Tinkoff, Russian Standard, Rosselkhozbank and others), Visa/Mastercard bank cards, popular electronic money: Yandex, Qiwi, Qiwi voucher, Payeer, Advcash, Perfect Money, Capitalist; the opportunity to purchase codes to replenish the Exmo and Livecoin cryptocurrency exchanges. The discount upon registration is 0.05%, which increases depending on the number of successfully completed transactions and the amount. Low commissions and minimum exchange amounts. Online chat with support.

  
  

• Bitcoin exchanger Ramon Cash. Minimum exchange amounts from 500 rubles (8 US dollars). You can buy or sell BTC around the clock at the best rate. Exchange operations are carried out in the following directions: electronic wallets, banks, bank cards, crypto coins, exchange codes. Among other advantages, it should be noted: the speed of processing applications (time limit is up to 15 minutes), support work and the absence of negative reviews.
  
• - Bitcoin exchanger, has been operating on the market for more than 5 years. You can sell or buy Bitcoins for rubles from a Visa or Mastercard of any bank, any payment systems: Yandex, Qiwi, Advanced cash, etc. A system of discounts is provided.

  
  

• Platov is a Bitcoin cryptocurrency exchanger. Low minimum amount: from 1000 rubles when exchanging from Sberbank, Tinkoff, Yandex.Money, bank cards, etc. Sale of Bitcoins from 0.003 BTC.
  

Recently, there has been a great popularity of cryptocurrencies and interest in purchasing them; many want to make money from the growth of the exchange rate.

I'll bring list of bitcoin exchangers with positive reviews on the Internet. When making an exchange, carefully enter the information and double-check it, since transactions with bitcoins cannot be canceled.

How to create a Bitcoin wallet

To buy or sell you need.

• Install a local wallet. If you use Bitcoin Core, then all transactions carried out on the Bitcoin network will be downloaded. The data volume will be more than 150 GB.

If you use the Electrum client, downloading the blockchain is not required; synchronization will occur online with the servers. This is a so-called “light” wallet for bitcoins; you can work with it immediately after installing it on your computer. During the installation process, be sure to write down the seed (a phrase of words) to restore access to the wallet and export the private keys for each public address that has cryptocurrency.

You can download these and other programs from the official website of the bitcoin.org developers.

• Create an online wallet. Popular service - .
• Register on cryptocurrency exchanges and get a wallet for storing cryptocurrencies. : , .

Bitcoin exchanger Prostocash

Prostocash.com - Bitcoin and . The service allows you to conduct exchange transactions quickly and at a favorable rate. The average time it takes to process applications is 10 minutes. If you have any questions, the site has a 24-hour support service.

After registration, you receive a discount of 0.05% on any exchange transactions, the size of which will increase with the number of transactions performed.

Making an exchange is very simple. In the “Give” column, select the currency you are changing from the list, and in the “Receive” column, select the currency you need. Specify the amount, which should not be less than the minimum. For example, we exchange money from the Qiwi wallet for the Bitcoin cryptocurrency (minimum amount - 1000 rubles; reserve - 16 BTC):

You also need to enter your Qiwi number and address to receive bitcoins.

When the exchange is completed you need to click the "I paid" button(if you forgot to click, please contact service support).

After the transaction is confirmed by the bitcoin network (usually up to 40 minutes depending on commission, load, etc.), the purchased cryptocurrency will be reflected in the balance of your wallet.

All transactions performed can be monitored on Internet resources, for example, blockchain.info. Enter your wallet address and click "Search", a form with the necessary data will appear:

When exchanging Qiwi, consider your wallet and payment limits. For example, for an unverified Qiwi wallet (Anonymous status), the limit on funds in the wallet is 15,000 Russian rubles, and the amount of transactions is up to 40 thousand rubles; status "Standard" - 60,000 rubles; "Maximum" - 600 thousand rubles. I recommend that you go through identification to increase limits and restrictions.

In the exchanger you can buy Bitcoins from a Sberbank account:

You must indicate the card number, last name, first name, patronymic, e-mail:

Prostocash.com operates and carries out the purchase or exchange of bitcoins in the following directions:

• Yandex money;
• Qiwi;
• Sberbank;
• VTB 24;
• Avangard Bank;
• Payeer;
• Advcash;
• Tinkoff;
• Capitalist;
• Litecoin;
• Dogecoin;
• Peercoin;
• Dash;
• Alfa Bank;
• Exmo;
• Namecoin.

Bitcoin exchanger Xchange.is

- Bitcoin exchanger and other electronic currencies, working manually around the clock, seven days a week. Has a good reputation and reviews online. The total currency reserve is more than $600 thousand. The average operation time is about 15 minutes. 24/7 support is available. There are 3,720 reviews left on the bestchange monitoring service, all of them are positive, which means the exchanger is reliable.

When exchanging bitcoins, the crediting time depends on the speed of confirmation of the transaction on the network and can take from several minutes to several days.

To complete the transaction, select the direction, amount, and indicate the wallet details. For example, exchanging Yandex.Money for Bitcoin (minimum amount - 3000 Russian rubles):

In the exchanger you can exchange or buy bitcoins for:

1. Ethereum.
2. DASH.
3. Advanced Cash.
4. Payeer.
5. Kiwi.
6. VTB 24.
7. Alfa Bank.
8. Visa, Mastercard cards.
9. Gazprombank.
10. Corn.
11. Zcash.
12. Litecoin.
13. Perfect Money.
14. Yandex Money.
15. Sberbank.
16. Tinkoff.
17. Russian standard.
18. Avangard Bank.

Alexey Russkikh

Bitcoin is the most popular cryptocurrency today. If the capitalization of the entire cryptocurrency market is estimated at $175 billion, then almost half of this market is made up of bitcoins (approximately $80 billion). The words Bitcoin, blockchain, forks, faucets – no longer cause surprise to anyone. People often ask questions about how to buy cryptocurrency for rubles, where to buy Bitcoin in Russia, where is the most favorable exchange rate, and how to buy cryptocurrency for cash.

Among the large number of platforms, payment systems and cryptocurrency exchanges, it is difficult to choose the simplest and most inexpensive way to buy bitcoins in terms of paying commissions. We will talk about this in this article.

Why buying cryptocurrency can be accompanied by a large commission

On October 31, 2008, Satoshi Nakamoto, in his cryptography newsletter with the topic “Bitcoin: A Peer-to-Peer Electronic Cash System,” described the main advantages of cryptocurrency over traditional financial exchange. assets, one of which is the exclusion of intermediation by financial institutions:

• firstly, financial institutions (aka banks) go bankrupt;
• secondly, they require a commission for their services (for example, transferring funds).

As planned, a payment system based on cryptography eliminates the need for any intermediary organization. And if reliability does not raise any questions among system participants, then with the commission for transactions with bitcoins everything is a little more complicated.

Total commission costs can reach more than 15% per transaction. The reason is that the system is decentralized and not controlled by anyone, which means the only thing that can regulate it is the market. And until the system balances itself, a shortage of demand or supply will generate inflated prices for their services.

Ways to purchase Bitcoin

To begin with, for any operation with bitcoins you will need a blockchain wallet. The wallet is created in the Blockchain system of the same name. The procedure is not difficult, even if you are a beginner. After all registrations, you receive a multi-digit Bitcoin address, which will be your blockchain wallet.

Despite Satoshi's plan, the cryptocurrency system has intermediaries. However, their existence is explained more by a temporary necessity: they help exchange traditional money for bitcoins. As soon as you start paying for coffee with cryptocurrency, then you can assume that bitcoins are in free circulation. As long as their circulation is limited (including due to government restrictions), in order to purchase cryptocurrency, you will need to put in some time and effort or pay someone to do it for you. Payment for the latter’s services will constitute a commission.

There are 3 most common ways to purchase bitcoins:

1. [RUB] → [Exchanger] → .
2. [RUB] → [Payment system] → .
3. [RUB] → [Cryptocurrency exchange] → .

Learn more about each method. Let's start with exchangers.

Purchasing through an exchanger

There are countless exchangers today. The Bestchange exchanger aggregator offers more than 20 options for exchanging rubles for bitcoins.

You choose the most favorable rate online and then follow the link to instantly go to the exchanger’s website, where the direct exchange takes place. Each exchanger has its own requirements for the minimum deposit amount (min 2000 rubles – min 5000 rubles). Some exchangers charge a commission, some don’t, but as a rule, the price of the exchanger is significantly higher than, for example, buying Bitcoin on an exchange.

For example, the leader of the exchange Bitochek offers to buy 1 BTC for ₽ 294,640.59 (as of 08/30/2017), while the average price on cryptocurrency exchanges is ₽ 254,365.74 (as of 08/30/2017). The difference is more than 15%. Is it possible to buy Bitcoin profitably from an exchanger? It's up to you to decide, but it's better to find out what alternatives are available.

Purchase using payment systems

“You can definitely buy a cue ball cheaper,” you will say, and you will be right. Payment systems are also involved in the game. However, a caveat must be made. The payment systems themselves do not sell bitcoins or any other cryptocurrency (yet). These are the same exchangers, and the only difference is that the transfer of rubles is carried out through a Yandex.Money wallet (or the wallet of any other payment system).

However, we note that purchasing bitcoins through electronic money is more profitable. For example, the Rubitok exchanger offers 1 BTC for ₽ 274,424.13 through Yandex.Money, which is about ₽ 20,000 more profitable than if you buy cryptocurrency by transferring money from a card. For ruble exchange, the most common ones are Qiwi, Advanced Cash, Perfect Money, Payeer and Paypal.

The scheme is similar with money transfers, as with payment systems. This method is more profitable than buying bitcoins using the scheme [RUB] → [Exchanger] → , but more expensive than buying bitcoins using the scheme [RUB] → [Payment system] → [Exchanger] → . You can find money transfers such as Contact and Zolotaya Korona.

Buying on a cryptocurrency exchange

The most interesting way to exchange rubles for bitcoins, in terms of saving on commissions, is to buy cryptocurrency on an exchange. The popular WorldCoinIndex resource lists more than 400 cryptocurrencies on 50 exchanges, where you can purchase bitcoins (and other cryptocurrencies) for dollars, euros, rubles and less common traditional currencies (about 15 in total).

Bitcoins can be purchased for rubles on 4 exchanges:

Optimal scheme (update)

Updated 09/21/2017.

The commission for crediting funds to the Yobit exchange from a QIWI wallet has been changed. Now it is not 2%, but 6%, which means that from now on this is not the most profitable way to buy BTC for rubles. Below we describe another method: it is a little more complicated and a little more expensive. The total commission will be 3.24%. In this case, you will need to verify accounts in payment systems.

The chain looks like this:

[RUB] → → → →.

Through the Advanced Cash service (advcash) we top up rubles from a bank card. This time we decided to demonstrate with an example. We have 18,000 rubles. When we put them into the payment system, there will be 17,470 of them left, the commission will be 2.95% or 531 rubles. (round up).

Advanced Cash will credit the funds, but you will not see this money in your wallet until you are verified. We have uploaded:

• selfie with a map;
• selfie with passport;
• photo of the card from the front side;
• photo of the card from the back.

IMPORTANT! In the photo we have hidden the CVV and several digits of the card number. Beware of intruders!

The service verifies clients from 2 to 24 hours. But if you write in the chat, you can reduce this time to minutes. But we didn’t tell you about this 😉

The PAYEER payment system also requires verification. There we were able to confirm our identity within 20 minutes.

There are benefits to using electronic currency. This means transaction security, minimal costs when conducting transactions, and the ability to use currency anywhere in the world. Through special exchanges you can transfer money to bitcoins at a favorable rate. Transfers through exchanges are somewhat extended in time. This method is not suitable if you need instant results. But a quick trade can be risky.

You can spend cryptocurrency on the purchase of real estate, travel, and air tickets. You can find out the list of destinations through the Coinmap service. It is important to transfer money to bitcoin profitably and safely. The methods differ in the speed of transfers, the size of the commission and the security of transactions.

How to transfer money to bitcoins

You can buy Bitcoin from Sberbank. The minimum unit of Bitcoin is Satoshi. One 1 BTC contains approximately 10 million satoshi. To exchange, you need a card from a financial institution, an electronic wallet for bitcoin, and email.

Instructions on how to purchase bitcoins:

1. Create a wallet for cryptocurrency. You can start by using Blockchain or Coinbase services or the Electrum client.
2. Choose an exchange with the optimal rate.
3. Open an account in rubles and a Bitcoin account on the exchange platform.
4. Transfer rubles from a bank card to a ruble wallet on the exchange.
5. Sell ​​rubles for bitcoins.
6. Withdraw currency to BTC wallet.
7. There is manual and automatic exchange. Sites with manual mode are marked with a special icon in the rating table.

The classic exchange scheme is cash purchase. To do this, you need to find a suitable advertisement and meet with the counterparty. But this method has disadvantages:

1. Anonymity is lost. In such transactions, anonymity is important because the law does not officially allow the use of bitcoins.

1. The need to personally participate in the transaction.
2. There is a risk that third parties will interfere in the process.
3. The need to ensure security during exchanges.

Exchange via Qiwi

Rubles from a Qiwi wallet can be transferred to Satoshi. BestChange and Bankcomat.com exchangers are suitable for this. The BestChange website is an intermediary where exchange services are presented. The list of sites on BestChange is listed in order of increasing exchange rate. It is important to check the MTC reserve. If there is not enough currency, the transaction will not take place.

Instructions for exchanging Qiwi for bitcoins:

1. Select the appropriate service.
2. Decide how much currency to transfer.
3. Specify how many BTC you need to receive as a result of the operation.
4. Specify email.
5. Provide your QIWI wallet details.
6. Specify the number of the bitcoin wallet to which to transfer money.
7. Click "Exchange". Read the instructions on the website.
8. After this, the cryptocurrency will be transferred to the user’s account. The transfer is carried out after the BTS system confirms the transfer twice.

The process takes from several minutes to several hours. The exact time depends on the network congestion. Issues can be resolved online with support.

Important! You need to pay attention to the exchange commission. The commission amount may differ for depositing and withdrawing currencies. The exchange may not be so profitable if you do not take into account the size of the commission.
For example, on the WEX service, depositing funds from Qiwi is free, and withdrawal is 5 percent.

Direct acquisition

The main difficulty is to find a reliable counterparty. There are no intermediaries, which means there will be no overpayments - this is an advantage of the deal. However, no one is responsible for security.

The BitsMedia forum is suitable for searching; there are great offers there. Are you afraid of scammers? Take precautions. Do not exchange the entire amount at once, but divide the exchange into several transactions. The LocalBitcoins platform is suitable for searching for Russian-speaking sellers.

Is it possible to withdraw bitcoins from the wallet later?

There are several options for converting cryptocurrency into rubles:

1. Electronic exchangers. Through Prostocash you can transfer money from a Bitcoin wallet to a Sberbank card and the electronic systems Yandex.Money, Qiwi.

1. Cryptocurrency exchanges. Through EXMO, exchange “digital gold” for the desired currency and withdraw it to the card.
2. Using electronic systems. For example, use Advcash. The system maintains user anonymity. For the Advcash system, you can order an Advcash Mastercard and withdraw money from an ATM.

Digital currency does not have official status, but transactions with it are not prohibited. When used correctly, digital gold is profitable. It is important to follow security measures for the transaction to be successful.

At this stage of development of the cryptocurrency market, the user does not have the opportunity to widely use digital money as a means of payment. Cryptocurrency is becoming more accessible and practical functionality is expanding, but not so much that it can be used in everyday life as easily as the rubles or dollars we are used to.

That's why the issue of converting digital currencies to traditional ones is quite relevant, even for the popular Bitcoin, which of all digital currencies is most often used to pay for goods or services.

When it comes to where and how to exchange for rubles or other currencies, there are 3 ways:

• crypto exchanges;
• online exchangers;
• direct exchange.

Direct exchange is considered the most profitable because it allows you to exchange currencies without commission: funds are transferred directly between user wallets. However, this is at the same time the most unreliable method of exchange, and transferring money directly should only be done to trusted counterparties.

They help reduce risks and work with cryptocurrency without fear of losing your money. online exchangers. This is not the cheapest way to exchange digital currency for fiat, but it is the most accessible and fastest.

Unlike crypto exchanges, commissions exchangers are usually higher, however The functionality for withdrawing funds is much wider and more convenient.

If the exchange office is distinguished:

favorable rate
+
high speed of processing applications
+
a wide range of electronic wallets for withdrawing funds
+
impeccable reputation
+
low commissions

then such a service is probably included in top best cryptocurrency exchangers and is a profitable and reliable option for exchanging Bitcoin for rubles.

Of course, you always want to buy currency cheaply and on the best terms, but when working with digital money, other criteria by which this or that Bitcoin is evaluated also play an important role.

• service commission, the amount of which can be either fixed or vary depending on volume transferred amount;
• reputation, which is assessed by user activity, transaction volume and reviews;
• security of entered data and ensuring privacy.

At exchange rubles for bitcoins Also, different criteria for the operation of exchange services are taken into account, and exchanger monitoring, such as or, helps you choose a profitable exchange option.

• In total, it works in a given direction;
• Exchangers provide 24/7 Bitcoin to Qiwi exchange services in automatic or manual mode;
• helps in a few clicks to find a site where instantly without commission you can exchange Bitcoin for QIWI RUB at the best market rate, it doesn’t matter if we are talking about an exchange of 100/500/1000/2000/5000 rubles or higher;
• When exchanging on qiwi, it is also important to pay attention to QIWI RUB currency reserve, which the exchange office has;
• Each of the listed exchange offices has good foreign exchange reserve, high BL, TS And positive work experience in digital currency exchange.
• The user may be confident in safety working with exchangers presented on the service, since only reliable exchangers that have passed a comprehensive check are allowed to be listed;

Additional functions:

• Calculator for calculating the amount you give or receive;
• Statistics of reserves and rates with data on the best qiwi rate to bitcoin for the last hour/6 hours/12 hours/24 hours/2 weeks/30 days/60 days/180 days/365 days;
• Alert to receive information about favorable rates for exchanging Bitcoin for qiwi, if you have not currently found a rate that suits you; notification will be sent by email or Telegram;
• Double exchange will allow you to find an option using a transit currency, which will help you complete a transaction with a minimum commission without losing money on a direct exchange.

The best exchangers for withdrawing Bitcoin to a QIWI wallet are:

2. 60cek.com

• exchange in semi-automatic mode;
• large reserve, which is especially important for withdrawing large amounts;
• In addition to Qiwi, cryptocurrency can be withdrawn to Sberbank, Visa/MasterCard, Alfa-Bank, Perfect Money, Yandex.Money, Tinkoff, Advanced Cash. works around the clock (withdrawal rates vary for different wallets);
• the minimum amount for withdrawal is from 0.003 BTC, that is, small amounts can be withdrawn;
• cumulative discount - from 0.05 to 2% (its size depends on the number of successfully completed operations);
• 2-level referral program;
• quick (from 5 minutes) and simple transfer of digital currency to a Qiwi e-wallet (you only need the wallet number and the recipient’s e-mail);

• works in automatic and manual mode;
• it is possible to exchange not only for btc, but also for other popular cryptocurrencies;
• withdrawal of funds to QIWI, Yandex.Money, Perfect Money, OKPAY and other popular payment methods (with the exception of WebMoney);
• minimum for withdrawal is 0.003 BTC;
• withdrawing bitcoins to a Qiwi wallet takes from five minutes; in this area, the service provides complete anonymity.

• Uninterrupted operation since the launch of the service in 2014;
• Intuitive interface with support Russian and English languages;
• Buying Bitcoin and other cryptocurrencies at the most favorable market rates;
• No commissions to exchange Bitcoins;
• Low commissions for buying/selling other cryptocurrencies;
• Application processing 24/7;
• Execution of exchange transactions in automatic mode within a few minutes;
• Payment for goods and services using cryptocurrency in 1 click directly from the browser;
• Protecting client funds through implementation latest generation security systems;
• Three-factor authentication: SMS code, email code and PIN code;
• Transparent 7-level > affiliate program Matby: receiving interest from all transactions of referrals, referrals of referrals - and so on up to the 7th level;
• Competent technical support service, promptly responding to all user requests;
• Permanent expansion of functionality platforms for easier work with cryptocurrency on world markets.

• the exchanger works only in manual mode, so it takes more time to complete a transaction;
• works around the clock;
• Offers favorable rates equal to market rates;
• can transfer large amounts, as it has large reserves;
• minimum when exchanging Bitcoin for QIWI – 0.003 BTC;
• convenient pleasant interface.

Exchange: cash RUB to Bitcoin

If you need to exchange rubles for bitcoins, the best option is still an online exchanger. And a well-known one will suggest a profitable exchange office.

• Total in the direction Cash RUB → Bitcoin (BTC) works ;
• Among them - how automatic/semi-automatic and manual;
• The service helps you instantly exchange rubles for Bitcoin or Bitcoin for rubles at the best market rate without interest;
• There is also information about the cryptocurrency reserves held by a particular exchange office;
• Each exchanger presented on has a good currency reserve, high BL, TS, positive experience and is distinguished by a high level of security and reliability.

To withdraw bitcoins through an exchanger to Sberbank:

1. Having chosen a favorable exchange rate, click on the name of the exchange office;
2. Going to the exchanger’s website, select direction of exchange: – Direction given – Bitcoin;
   – Received direction – Sberbank;

In the appropriate fields, indicate the exchange amount and details (your email, Sberbank card number, full name of the card owner) and activate the exchange button;

As a rule, exchangers set a minimum exchange amount. For Bitcoin, the minimum is most often 0.003 BTC.

Exchange: Bitcoin to Yandex.Money

If you need to exchange Bitcoin for Yandex Money, he will offer you a choice, with the help of which it is very easy to exchange Bitcoin → Yandex.Money at the best rate in RuNet.

As in other directions, when choosing a profitable exchange platform, you must not forget about the available Yandex RUB currency reserve.

Despite the fact that all exchangers included in the monitoring listing have undergone a thorough check by the service administration, before starting to work with a particular exchange office, be sure to pay attention to

I don’t know about you, but when I cash out Bitcoin or any other currency, I pay attention to 2 parameters: the security of the transaction and the best exchange rate. But the fact is that many beginners think only about the best course, forgetting about the risks.

In this article I will talk about how to exchange Bitcoins at the best rate and even compare the rates of different services. In addition, I will explain what to be wary of when cashing out cryptocurrency and what risks await users.

Important! If you do not plan to cash out large amounts of Bitcoin and are not afraid of card and tax blocking, then you can skip the security section. Click and go straight to withdrawal methods.

Do you want to earn cryptocurrency? Watch me grow my Bitcoins. First goal: 10 BTC on the exchange!

SEE HOW I EARN

Exchange security. How to cash out Bitcoins in Russia without risk?

Usually, when they talk about the safety of exchanging Bitcoins for rubles, they mean the risks that the exchanger or exchange will steal your money. But, in fact, exchangers work very professionally, and your money is more likely to be blocked by a regular bank.

Blocking of funds by the bank.

Russian banks are forced to block suspicious transactions due to Federal Law 115 (“On combating the legalization (laundering) of proceeds from crime and the financing of terrorism”), otherwise they risk losing their license.

Thus, if your receipt seems suspicious, the bank will block your funds and require you to provide evidence that the money was earned honestly.

At the moment, cryptocurrency is not regulated by law, so banks play it safe and often do not take the client’s side. They can permanently block your card, account, and sometimes money. There is also a chance that they will ask you to pay taxes on the amount you withdraw.

In itself, withdrawing cryptocurrency from your wallet is not against the law, but if you are withdrawing money by exchange (through an exchanger or a private money changer), then think in advance what story you will tell the bank employee and what evidence you can provide.

If you withdraw cryptocurrency from an exchange, then, at first glance, you are acting according to the law. But some banks may consider trading on a cryptocurrency exchange to be a form of entrepreneurship. Even if you are registered as an individual entrepreneur, it is better to clarify in advance whether the bank allows clients to use their personal plastic cards for business activities. If not, your card will be blocked, but the money will be returned through the cashier.

Thus, according to banks, you should withdraw bitcoins through the exchange to the individual entrepreneur’s current account. In this case, there will be no questions for you.

How to protect your income from blocking?

• Do not transfer large amounts at once. Do not withdraw 500 rubles at once, spread the withdrawal over a week or two. Better make 10 transactions of 50 tr.
• Use multiple cards. Get cards in several banks and distribute transactions between them. You can also connect cards from friends and relatives.
• Don't cash out. If you transferred money to a card and immediately withdrew it, this is a signal to the bank that you are cashing out. Let the funds sit for a couple of weeks, transfer them to a deposit, and pay with this card in stores.
• Become a good customer for the bank. As practice shows, if a client has a bank credit card, a loan, a deposit, a certain status (privileged client), etc., then the risk of blocking the card is reduced significantly.

In general, if you make several withdrawals per month for amounts not exceeding 50 thousand rubles, then the risk of blocking is very low. As the lump sum amount and monthly withdrawal amount increase, the risks also increase.

Is it legal to cash out Bitcoin in Russia in 2019?

As you know, our country is not particularly fond of cryptocurrencies. Therefore, before you cash out Bitcoin in Russia, you need to find out how safe it is. Will you be subject to any charges?

If you have heard the joke about Schrödenger’s cat (who is both alive and dead at the same time), then you will easily understand the status of cryptocurrency in Russia. It is neither prohibited nor permitted.

That is, there are no laws regulating Bitcoin. The legislation is still under development.

Therefore, even if you cash out Bitcoin directly into cash rubles or dollars, you have nothing to fear. You are not breaking any law.

But how can this be? We heard about criminal cases for cashing out cryptocurrency! For example, this is a high-profile case.

Yes, there were several high-profile news about arrests for cashing out Bitcoin. But the reason for the arrest was always not the fact of the exchange itself, but another crime. For example, selling drugs for cryptocurrency.

Regarding the case described above, people were accused of illegal banking activities. This article definitely won’t harm you.

Therefore, if you are an ordinary person (not a legal entity) and want to withdraw Bitcoin by exchanging it for fiat currency, then you have nothing to fear.

Do I need to pay taxes when cashing out Bitcoin?

Let's start off with. that the government really wants you to pay more taxes. Therefore, it is understood that you must pay tax on any income.

Let's say you bought 1 Bitcoin for $5,000, sold for $10,000, and made a profit of $5,000. You must pay income tax on this money, that is, 13%.

Accordingly, this income must be indicated in the declaration. And the declaration itself has been submitted to the tax office.

But firstly, cryptocurrencies are anonymous. Therefore, it is almost impossible to track where the money came from and what the basis for the transfer was. And if you withdraw Bitcoins directly into cash, then government authorities know nothing at all about your income.

Secondly, it is impossible to prove that this is income (of course, unless you tell the tax authorities about it yourself). You can always say it's a loan or gift, which is tax-deductible.

Thirdly, it is not clear how to calculate income. For example, you cashed out Bitcoin and received $5,000 for it. It seems like you have to pay tax on profits, right?

What if you bought it for 10,000? This means you are at a loss and don’t have to pay anything. But it’s not clear how you can prove this to the tax authorities. And it is even less clear how the tax authorities can prove the opposite.

While the legislation is not yet ready, the tax authorities show little interest in income from cryptocurrency.

Should I pay taxes on withdrawing Bitcoin or not? Everyone decides for themselves. Do I pay taxes on cryptocurrency? Yes, I'm crying.

Offshore card.

Many users think that if they use an offshore card, then they are 100% protected from taxes. In fact, this is not true.

Indeed, a bank in Panama will not transmit tax information about your account to the Russian authorities. But Visa and Master Card payment systems will transfer.

In general, as far as I know, in Russia there is no tax police dealing with individuals who would monitor your transactions. But if they are interested in you, they will easily receive information about transactions on your offshore card.

1. How to withdraw Bitcoins from a wallet to a bank card?

There are 2 popular services with which you can withdraw Bitcoin to your bank card: BestChange and LocalBitcoins. Let's immediately compare where the exchange is more profitable.

At the time of writing, the Bitcoin rate was 670,941 rubles according to the coindesk.com exchange.

Rate according to coindesk.com.

On BestChange, when trying to exchange Bitcoins to a Sberbank card, the maximum rate was 675,659 rubles.

Monitoring exchangers.

At the same time, the rates on LocalBitcoins turned out to be more profitable. For one Bitcoin they offered more than 700 thousand rubles.

Localbitcoins exchange rates.

You need to keep in mind that the course is constantly changing. Moreover, it is influenced not only by the exchange rate of the cryptocurrency, but also by the difference in supply and demand for a particular service. For example, if at the moment a surge in activity began and people began to intensively buy Bitcoins through exchangers, but at the same time they began to sell less, then the exchange services will make the Bitcoin purchase rate much higher than the exchange rate, but the selling rate will also rise above the exchange rate, that is, it will be very beneficial to those who want to exchange this cryptocurrency for rubles.

1.1. Withdrawing Bitcoin to a Sberbank card through monitoring BestChange exchangers.

This service combines the best online exchangers. An exchanger is a service where you can exchange one currency for another by paying a small commission. For example, you translate for Ivanova I.I. Bitcoins go to his wallet, and he transfers rubles from his card to yours.

All exchange services are sorted here by the best exchange rate. It also shows the current amount available to each exchanger and reviews about it.

How to change Bitcoins to rubles using BestChange?

1.2. Withdrawal of Bitcoins into rubles through LocalBitcoins.

This is a service that, in its operating principle, resembles an exchange. He acts as an intermediary between 2 people, one of whom wants to sell Bitcoins and the other wants to buy. On LocalBitcoins you will find not only offers from professional exchangers, but also from ordinary people.

First, let's talk a little about security. If you sell Bitcoins, then you don't need to worry about security at all. The fact is that the exchange of Bitcoins takes place through the service: first, the seller transfers them to a wallet in LocalBitcoins, then after the exchange starts, the cryptocurrency is blocked, and after payment is confirmed, it is automatically transferred to the buyer’s account.

That is, your Bitcoins will not be transferred to another person until you see the money on your card and click on the “Confirm receipt” button.

In addition, each service participant has reviews, ratings, percentage of successful transactions, etc. People spend a lot of effort and time to improve their reputation and will not cheat anyone for the sake of a few thousand rubles. If you are a newbie, you will have limited exchange amounts available until you gain enough reputation.

How to exchange Bitcoin for rubles using LocalBitcoins?

Step 1. Go to the Localbitcoins.net website, go through the registration procedure and confirm your E-mail. It is advisable to confirm your phone and identity, as well as set up two-factor authentication.

Step 2. Top up your internal wallet. To do this, click on “Wallet”, then on “Get Bitcoins”. After that, transfer the required amount to the address shown below. After the transfer, the money will appear in your internal wallet.

We replenish the internal wallet.

Step 3. Go to the “Sell Bitcoins” tab, click on “Show more” and select “Transfers through a specific bank”.

Go to the “Sell Bitcoins” tab

Then select the user you like (pay attention to reputation, percentage of successful transactions, exchange amount) and click on the “Sell” button.

Step 4: Submit a deal request. Enter the amount you want to change and click on the big green button. It is advisable to write a message to the seller, say hello and indicate the card for transfer. But this can also be found out in the process of communication.

Step 5. After the seller transfers the money to your card, you need to confirm receipt of the money and the frozen Bitcoins will be transferred to his account. After the operation, rate the seller and leave a review.

1.3. Withdrawing money from a Bitcoin wallet through a Telegram bot.

These bots work on the same principle as the LocalBitcoins website. Only all operations take place in the Telegram messenger interface. The rate here is more profitable than on BestChange and about the same as on LocalBitcoins.

The exchange occurs in the same way as in the previous service:

• Register in Telegram (if you are not registered) and add the bot BTC_CHANGE_BOT (BTC banker). Select the Russian language and agree to the terms.
• Go to your wallet and transfer Bitcoins to your internal address.
• After the cryptocurrency is displayed in the wallet, click on the “Sell Bitcoins” button and select the desired bank.

We sell Bitcoins through a bot.

• Now you will see a list of people who are ready to buy your Bitcoins for rubles. By clicking on each of them, you can view information about each seller.
• After we have chosen a seller, we begin the transaction. To do this, we follow the bot’s requirements: indicate the exchange amount and details.
• After the seller transfers the money to your card, you will need to confirm the receipt of money and the Bitcoins will be sent to the seller's wallet.

1.4. Withdrawing Bitcoins to a card via Webmoney.

This method has several advantages. Firstly, this is a more favorable rate (read more about this below). And, secondly, withdrawal by bank transfer is available. This withdrawal method is considered official by Webmoney, so you can withdraw relatively large amounts without fear of account blocking.

Keep in mind that for a transfer to a card you will have to pay a commission of 2-3%: 1-2% per transaction, plus the standard WebMoney commission - 0.8%. For a bank transfer - 15 rubles plus 0.8%, transfer period from 1 to 5 days.

How to withdraw Bitcoins into rubles to a Sberbank card using Webmoney?

• To transfer small amounts, it will be enough to obtain a formal certificate. But, if you plan to frequently withdraw money through WebMoney, it is recommended to obtain an initial certificate. By the way, this can be done through the State Services website.
• We create a WMX wallet - this will be your Bitcoin wallet in the Webmoney service. Click on the top up button and see the address to which you need to transfer Bitcoins.

We transfer Bitcoins to WebMoney.

• After transferring Bitcoins, they will appear on your balance. Click on the “Exchange Funds” button. In the window that appears, change WMX to WMR. Now you have rubles on WebMoney and you need to withdraw them.

Select the withdrawal method.

• Now you can withdraw money to any card by paying a 2% commission. But such an exchange will be carried out through the internal WebMoney exchange, so this method is not so reliable. The second option is to link the card to the WebMoney service.

Withdrawal conditions.

• To make a withdrawal by bank transfer, go to your WMR wallet and click on the “Withdraw Funds” button and select “Bank Transfer”. Then you will need to enter your account details: BIC, Corr. account, current account number, bank INN and payment amount. After that, check and pay this invoice.

1.5. How to withdraw money from a Bitcoin wallet through exchanges?

There are not many exchanges that allow you to withdraw rubles to a plastic card or by bank transfer, and in general, not all cryptocurrency exchanges work with fiat money.

There is one exchange that is often used to withdraw rubles to a card. It's called EXMO.

Using EXMO as an example, you can see what conditions await those who decide to cash out Bitcoin in this way. The commission is not particularly large - 3% + 50 rubles. But the limits prevent you from working with really large amounts: 15,000 rubles for one withdrawal and 600,000 rubles per month.

Honestly, I trust exchangers and Webmoney more than such exchanges.

How does the withdrawal take place?

• Transfer Bitcoins to an exchange. To do this, you need to send the currency to your internal exchange wallet.

We transfer Bitcoin to the exchange.

• Exchange them for rubles. This can be done either using the exchange itself or using an internal exchanger.

We exchange it for rubles.

• Withdraw rubles to the card. There are several withdrawal methods. In our case, this is a bank transfer and withdrawal to a card. As you can see, on EXMO, withdrawal to a card is more profitable.

We order withdrawal.

Do not forget that in order to fully use all exchange tools, you must pass verification.

The two most popular BTC withdrawal directions. Where are the best courses?

Yes, now you know a sufficient number of tools with which you can withdraw Bitcoin into rubles or dollars online. But which one is the best? Where is the best rate?

Now you don’t have to go to all these services and compare courses. I did it for you.

I compared all the conditions for the most popular exchange directions: BTC - Sberbank and BTC - Qiwi. Let's see what I got.

How to withdraw Bitcoins to a Sberbank card at the best rate?

Let's see in practice what is the most profitable way to withdraw Bitcoins to a Sberbank card? To do this, we compare the courses of the most popular instruments and choose the best one.

Sberbank is the most popular Russian bank. Most citizens have a card from this bank, so this withdrawal method can be considered the most convenient and popular.

It is now February 2019. According to coinmarketcap.com, the dollar exchange rate is $4,190.

Rate according to coinmarketcap.com.

The dollar exchange rate is 65.51. So 1 BTC costs approximately 274,500 rubles.

Dollar to ruble exchange rate.

Let's say I want to exchange 0.1 BTC to a Sberbank card at the best rate (I took this amount for a more convenient account). How can I do this most profitably and not lose extra money on the course and commission?

To do this, compare all the conditions and choose the best:

• BestChange.

Exchange rates for BTC to Sberbank on Bestchange.

This service shows that you can withdraw money from Bitcoin to a Sberbank card at the rate of 272,065. That is, for 0.1 BTC I will receive 27,206 rubles on the card.

• localbitcoins

Exchange rates for BTC to Sberbank on Localbitcoin.

On Localbitcoins the rate is 274,000. This means that when I withdraw 0.1 Bitcoin, I will receive 27,400 rubles to Sberbank.

• Telegram bot.

Conditions for exchanging BTC to Sberbank in a Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC to 26,548 rubles.

• Exchange EXMO.

BTC to Sberbank exchange rate on the stock exchange.

The exchange rate is 270,000 rubles for 1 Bitcoin. You also need to take into account the 3% commission for withdrawal. That is, when exchanging 0.1 BTC to the card, I will receive 26,190 rubles.

Results for Sberbank:

So what is the most profitable way to withdraw money from a Bitcoin wallet to a Sberbank card?

Comparison of BTC rates - Sberbank for February 2019.

As you can see, the best rates are offered by BestChange and Localbitcoins. Worst exchange rate on the stock exchange.

How to withdraw Bitcoins to Qiwi at the best rate?

The second most popular direction for withdrawing BTC is the Qiwi wallet.

A large number of people use this payment system. Internal transfers can be made here without commission. There are Qiwi terminals all over the country where you can top up your account.

I myself actively use this payment system. I even have their plastic card.

Let's see what is the most profitable way to withdraw Bitcoins to a Qiwi wallet?

To do this, compare exchange rates. Let me remind you that the current exchange rate for today (February 2019) is 4190 dollars or 274,500 rubles per 1 BTC.

• BestChange.

BTC to Qiwi exchange rates on Bestchange.

According to the sorting results, the best rate for withdrawing Bitcoin to Qiwi turned out to be 271,280. That is, when exchanging 0.1 BTC, 27,138 rubles will come to my wallet.

• localbitcoin.

Exchange rates for BTC to Qiwi on Localbitcoins.

Here the rate is 274,500 rubles for Bitcoin. So you can exchange 0.1 BTC for Qiwi for 27,450 rubles.

• Telegram bot

Conditions for exchanging BTC to Qiwi in a Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC to 26,403 rubles.

• Exchange EXMO.

BTC to Qiwi exchange rate on the exchange.

As I wrote above, the exchange rate is 270,000 rubles per 1 Bitcoin. And if we take into account the 3% commission for withdrawal, then when exchanging 0.1 BTC to the wallet I will receive 26,190 rubles.

Qiwi results:

In this exchange direction we were also able to find out the best exchange rate.

Comparison of BTC - Qiwi rates for February 2019.

As you can see, the best Bitcoin withdrawal rate on Qiwi is offered by Localbitcoins. Moreover, the rate here is equal to the official one. The most unfavorable rate is again on the EXMO exchange.

2. Anonymous debit cards.

Now each payment system is trying to issue its own plastic card linked to an internal account. They usually make it possible to pay for purchases in regular stores or online without commission, which is very convenient - you don’t have to cash out at all. It’s so convenient that my wallet is already swollen with different cards.

The idea is simple and clear. You receive money on Qiwi - you pay with a Qiwi card, you receive money on Yandex Money - you pay with a Yandex Money card, you receive money on AdvCash - you pay with an AdvCash card (which will soon be blocked for everyone who does not live in the EU).

Well, Bitcoin wallets did not lag behind other payment systems and issued plastic cards linked to the balance of these wallets. These cards can be used to pay in online and physical stores, as well as withdraw money from ATMs. Bitcoins are converted into the card currency at the current exchange rate. But the problem is that almost all such cards are available only to residents of the European Union.

The remaining option is to transfer Bitcoins to one of the anonymous payment systems, convert them into dollars and withdraw them through the card of this payment system through an ATM. But here, too, the same problems await us as in the case of Bitcoin cards. For Russians, most of these cards have already become unavailable for order, and the issued cards will stop working in January 2018.

Most likely, in the near future all anonymous bank cards will be prohibited for residents of Russia. But for now there remains the possibility of withdrawing Bitcoins in this way. For example, at the moment, Russians still have access to the Money Polo card, which works with the OKPay payment system.

Withdrawing through an anonymous card will require you to pay a relatively high fee. The commission is usually paid for transferring money to a payment system wallet, transferring money to a card and for withdrawing from an ATM. If you plan to withdraw money in rubles, then be prepared to pay also for currency conversion.

As you already understand, money is withdrawn in the following way: transfer money to the payment system (officially or through exchangers), put it on the card and withdraw it from an ATM in the card currency or rubles.

3. Withdrawing Bitcoin from your wallet into cash rubles.

There is another way to cash out cryptocurrency. The exchange is carried out without the participation of banks, that is, directly into cash through an exchanger.

On the one hand, this is convenient, since the bank will not be able to block the transaction, and the tax office will not receive information about your income. On the other hand, you expect high commissions and high risks.

3.1. How to withdraw Bitcoin from your wallet through an exchanger.

There are exchangers that are willing to exchange your cryptocurrency for cash. Almost all of them are concentrated in large cities: Moscow, St. Petersburg. But if you are going to change a really large amount, then this is not a problem. For this, you can go to another city, and for a fee the courier will come to yours.

Some exchangers offer an anonymous exchange service. That is, you transfer Bitcoins and receive information about the place where the bookmark with your money is located. But I think you understand how risky such an idea is. The money may not be in the indicated place and then you will not prove anything to anyone.

How to safely cash out Bitcoin in Russia?

• Go to the website of the exchanger that offers the service of exchanging for cash. Say how much you want to exchange, or leave a standard request.
• After some time (from several hours to a day, depending on whether the required amount is in the cash register), you come to the exchanger’s office and transfer Bitcoins to the specified address in the presence of an operator.
• After several confirmations of the transaction, you take your money.

The commission for such services starts from 3-4%. The exchanger can be found, for example, on the BestChange website. Just indicate the appropriate exchange direction: Bitcoin - Cash.

Please note that the rate may be less favorable than when exchanging for a bank card.

Withdrawal rate to a bank card.

Cash withdrawal rate.

Is such an exchange legal?

At the moment, according to our legislation, Bitcoins are incomprehensible candy wrappers from the Internet. And the exchange of candy wrappers for money between two individuals is completely legal.

Above, I already talked about the high-profile arrest in Russia of a group of people involved in cashing out Bitcoins. But these people were detained for illegal banking transactions, which is not a threat to you. The exchange of Bitcoins itself does not entail penalties.

3.2. Via WebMoney.

Above, I already wrote about how to transfer Bitcoins to a WebMoney wallet. Only in this case, we withdraw money not by card, but through the official exchangers of this payment system.

Advantages of official WebMoney exchangers:

• There are more of them. If regular exchangers are located only in Moscow and St. Petersburg, then WebMoney exchangers are located in almost all cities with a population of over a million.
• Higher trust. Such exchangers are opened only with the permission of the WebMoney payment system and are controlled by it. If poor quality services are provided, WebMoney may revoke the exchanger's license.
• Contract for services. An agreement is concluded with clients before the exchange takes place. Accordingly, in this case you will be protected from potential fraud.

How to make an exchange?

• Go to the WebMoney website, find a page with information about official exchangers and enter the city you are interested in. If there is no exchanger in your city, then check the cities closest to you.

Check if there are exchangers in your city.

• We leave a request for an exchange on the exchanger’s website.
• We receive a service agreement signed by the exchanger.
• We transfer money to the specified details.
• At the specified time, we come to the office and collect the cash.

Instructions from one of the exchangers.

3.3. Withdrawal through private money changers.

On the LocalBitcoins website, on cryptocurrency forums, in the corresponding Telegram bots, etc. you can find people who are engaged in exchanging Bitcoins for cash. Here you will again be faced with the fact that most of them will be concentrated in large cities. I hope I don’t need to tell you that in advance You cannot transfer money. It is best to make the exchange directly on the spot, for example, by meeting in a cafe.

4. Withdrawing money from Bitcoin wallets through ATMs.

Another way to cash out Bitcoins that cannot be ignored is ATMs. Again, this method is currently only available to those who live in large cities.

At the moment, this withdrawal method is not very popular. Firstly, they ask for a large commission for cashing out: up to 11%. Secondly, it takes a lot of time as you have to wait for the transaction to be confirmed.

Comparison of withdrawal rates.

In order to check what is the most profitable way to cash out Bitcoin into rubles, I decided to compare exchange rates on several services at the same time.

At the time of the experiment, Yandex showed the Bitcoin rate of 967,650 rubles per 1 BTC (according to coindesk.com).

Bitcoin to ruble exchange rate.

1 Step. Now, let’s say that we will withdraw this cryptocurrency through exchangers. Then let's look at the rate on BestChange.

Courses on Bestchange.

As you can see, the most profitable exchangers offer from 920 to 926 thousand rubles per 1 BTC. The best rate at that time was 926,960 rubles.

Step 2 Let's see what LokalBitcoins has to offer. The rate here is usually higher.

Courses on Localbitcoins.

As expected, I was pleased with the course. You can exchange Bitcoins at a price of 980 - 991 thousand rubles per 1 BTC. The best rate is 992,003 rubles.

Step 3. Now let's try to make an exchange through the EXMO exchange. For example, let's use the standard exchanger of this service.

Exchange rate on the EXMO exchange.

The exchange rate is 987,948 rubles per 1 BTC. Decent rate, but do not forget that you will have to pay 2% for withdrawal. It turns out: 978,948 - 2% = 959,369 rubles - this is exactly how much you will receive on the card after paying a commission. This will be the real course.

Step 4. Let's see what WebMoney offers. Bitcoins are exchanged for rubles on the internal exchange of the payment system.

Exchange rates on WebMoney.

Here we see rates from 1021 to 1034 thousand rubles per 1 BTC. Let's take for example the rate of 1,030,000 rubles. For withdrawal by bank transfer you will pay a commission of 0.8%, that is, 1,030,000 - 0.8% = 1,021,760 rubles. When withdrawing to a card, the commission will be 2.3%: 1,030,000 - 2.3% = 1,006,310 rubles. When withdrawing through an exchanger, the commission will be from 3.8%. Let's do the math: 1,030,000 - 3.8% = 990,860 rubles.

Total.

As you can see, the best exchange rate is currently offered by WebMoney. Even withdrawing to cash through official exchangers is more profitable here than cashing out to a card. But, you need to keep in mind that to fully work with this payment system you need to undergo verification.

FAQ.

In this section, I decided to collect questions on the topic of Bitcoin withdrawal that are asked most often.

1. What is the most profitable way to withdraw money from WebMoney if bank transfer is not available?

The rules for withdrawing money from WebMoney change very often. Those methods that work now may become unavailable in the near future. At the same time, at the moment, WebMoney has the best exchange rate for Bitcoins to rubles (among the methods we discussed above), so it is profitable to use this payment system.

Firstly, if you withdraw money through official exchangers, you will pay a commission of 3.8-4.8%. But this will still be one of the most profitable ways to withdraw Bitcoin. There is another convenient way to withdraw money from WebMoney in Russia: bank cards of telecom operators.

For example, Megafon or Beeline cards. You simply top up your phone balance and the money automatically appears on the card linked to the number. You can get such a card at the offices of mobile operators. It is not personalized, so you will spend no more than 5 minutes to receive it.

The downside is the restrictions on replenishment. Only 6,500 rubles per day (that’s about 200,000 rubles per month). At the same time, the commission for replenishment is only 0.8% (standard WebMoney commission). Not suitable for large sums, but quite suitable for ordinary use. ATM withdrawal fees start at 3%. You can pay with this card without commission.

2. What method of withdrawing Bitcoins do I use?

I used to withdraw Bitcoin through exchangers. Obviously, there was not the best course, but, nevertheless, this is the most convenient way. And the Bitcoin rate is growing so quickly that you don’t even have to pay attention to their commission.

So the search for another withdrawal method was not due to the exchange rate, but more as an insurance against blocking of receipts by banks. Therefore, now I have settled on WebMoney and received the necessary certificate to work with large sums.

I got myself a Megafon card and am withdrawing money to it. This is very convenient for me, because I always pay with a bank card. Replenishment of the card is limited to 200,000 rubles per month - this amount is quite enough. If I need to cash out a larger amount, I will use an official exchange office, since they are available in almost every major city.

3. How to withdraw Bitcoins to Qiwi wallet?

Withdrawing Bitcoins to Qiwi is not much different from. You can use the same tools.

• Withdraw Bitcoin to Qiwi using BestChange. Indicate the direction of exchange “Bitcoin - Qiwi” to the table. Exchangers will be sorted by the best rate and all you have to do is go to one of them and make an exchange. You will transfer Bitcoins to the specified Qiwi wallet, and in return you will receive rubles or dollars to your wallet.
• Withdraw Bitcoins to Qiwi using LocalBitcoins. Immediately on the main page of the site you will see offers to purchase your Bitcoins for rubles or dollars of the Qiwi payment system. So you will need to choose the best offer for you and make the exchange.
• Withdrawing money from a Bitcoin wallet to Qiwi using a Telegram bot. The exchange here is carried out in the same way as with a bank card. The process itself is similar to working with LocalBitcoins.

How to withdraw Bitcoins to Yandex Money?

Yandex Money is a popular payment system in RuNet. The process of withdrawing Bitcoins to Yandex Wallet is similar to the process of withdrawing to the Qiwi payment system.

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