RussiaRUBRussian Ruble
Visa and Mastercard cards of Russian banks - we credit rubles without intermediaries. Or cash RUB in major cities through our office. Commission from 0.9%, transfer route is confirmed before payment - no surprises.
The route, the receiving bank and the payout amount are agreed before payment.
Russia is one of ATM24's key destinations. Primary audience: Russian citizens temporarily in Kazakhstan, Georgia, Armenia and other CIS countries who need to send money to family, pay rent, or settle debts back home. For them, it's not just about speed, but confidence: the money will go to the right card and not get stuck due to mismatched details. Transfers from Kazakhstan to Russia, from Georgia or Armenia are available with various payment methods depending on the direction — cash, bank card, or bank account, and the USD or EUR to ruble exchange rate is visible in the calculator before payment.
Since March 2022, Visa and Mastercard have suspended operations in Russia: Russian bank cards with these logos work only within the country, and payments go through NSPK. MIR covers virtually all banks in the country and is widely used for payments within Russia. The Fast Payment System (SBP) allows the recipient to receive a transfer by phone number instantly to a bank connected to SBP. The commission amount depends on transfer conditions. If the recipient is connected to SBP or has a MIR card, money reaches them within minutes in Russia: the bottleneck is not at the recipient's bank, but in coordinating the route before payment.
When transferring US dollars (USD) to Russia, credit to a Russian bank account is made in rubles. Other receipt options can be clarified separately before completing the transfer. Cash ruble withdrawal when transferring to Russia is available through offices in 25+ cities. The possibility of withdrawal in the desired city is clarified when completing the transfer. Before sending, clarify with the recipient the card type: MIR, Visa or Mastercard - this affects the route and transfer speed.
Russia's Payment Ecosystem Country Russia Receipt Currency RUB (rubles) Sending Currency USD, EUR, USDT, KZT and others. Transfer Method: Visa/Mastercard bank card, bank account or cash. ATM24 Commission from 0.9%. Settlement Time from several minutes.
Russia's Payment Ecosystem Category System / Wallet Description National System MIR Russia's card system, independent from Visa/Mastercard; issued by all major banks Fast Transfers SBP (Fast Payment System). Instant transfer by phone number between banks; between your own accounts without commission — up to 30 million rubles/month. Limits and commissions for transfers to another person depend on the bank's terms. Wallet Mir Pay NSPK service for contactless payment with MIR card on Android; banks have their own analogs - SberPay at Sberbank, T-Pay at T-Bank Wallet T-Pay (T-Bank) Payment service of T-Bank ecosystem - transfers, QR codes, online shopping. Regulator Central Bank of Russia (CBR) cbr.ru - regulates all Russian banks and payment systems. Bank Hours: depend on the specific bank and branch. Major banks operate online 24/7; office hours may vary.
Visa and Mastercard cards of Russian banks - Sberbank, T-Bank (Tinkoff), Alfa-Bank, VTB and others. You need 16 card digits and the recipient's full name. RUB credit - from 15 minutes, commission from 0.9%
Cash RUB withdrawal at ATM24 office - the manager coordinates the address, time and amount when you submit your request. Suitable if the recipient wants cash without card deposit. Offices operate in 25+ Russian cities - money can be picked up on the day of request
The manager verifies the recipient's details before payment: this prevents money from being credited to the wrong card or bank.
We accept USD, EUR and USDT — we pay out in RUB
USD RUB
83.49per 1 USD
100 $ = 8 349 RUBEUR RUB
96.04per 1 EUR
100 € = 9 604 RUBUSDT RUB
83.49per 1 USDT
100 USDT = 8 349 RUB| You send | Payout in RUB |
|---|---|
| 100 USDT | 8 349 RUB |
| 300 USDT | 25 046 RUB |
| 500 USDT | 41 743 RUB |
| 1 000 USDT | 83 486 RUB |
| 5 000 USDT | 417 430 RUB |
Where recipients usually get the money in Russia
The country's largest bank. Visa, Mastercard and MIR cards. Accepts incoming transfers in rubles.
Russia's largest private bank, developed retail and mobile banking. Due to blocking sanctions, direct foreign currency transfers do not pass through - rubles are credited via domestic Russian channels.
Second largest state bank by assets. Extensive network of branches throughout Russia.
National Currency
RUB (Russian ruble). ATM24 credits in rubles - conversion from USD/EUR/USDT at the rate at the time of the transaction.
Card Systems
MIR (operated by NSPK) works within Russia and in a number of CIS countries. Visa and Mastercard ceased servicing Russian cards abroad in March 2022; alternative routes are used for international transfers.
Payment Applications
YuMoney, SBPay (NSPK application), VK Pay. For receiving from ATM24 - check with the manager: the channel depends on the route.
Interbank Transfers
SBP (Fast Payment System) - instant transfers between Russian banks by phone number. SWIFT transfers from most Western banks are limited by sanctions.
Financial Regulator
Central Bank of Russia (CBR). Sets the official ruble exchange rate, regulates the banking sector and payment systems.
Special Features for ATM24
Transfers to Russia go through available routes considering sanctions restrictions. ATM24 selects the current route - credit is possible to a MIR card, ruble account or cash; details are clarified by the manager when submitting the request.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Only methods present in both the country description and the current route are shown.
Real stories from real people
Super company, prompt, precise, thanks to manager Anna! Helped me make a transfer to a Thai account. I recommend to everyone
Read full reviewUsed this company's services for the first time and was very happy. Fast responses and quick receipt of money withdrawn from an ATM. You're the best and special thanks to manager Ekaterina — you are the best ❤️🔥
Read full reviewTrustpilot
Honest service, very convenient when you don't want to carry a ton of cash with you, my personal manager Alisa responds quite quickly
Read full reviewEverything is clear, a very good rate, Yes, it took some time, unlike bybit it’s not 5 minutes, in total about 30-40 [minutes], but your card won’t be blocked by the bank. Thanks!
Read full reviewThey promptly transferred cashless rubles and withdrew cash baht in Thailand without cards. Gorgeous service! You can do a transfer, or have cash delivered by courier. We were in a store and didn’t have time to wait for a courier, so we used the transfer. I recommend! I hope to use such a convenient service in other countries too. The rate, by the way, is excellent!
Read full reviewI needed to buy baht for non-cash rubles while on vacation in Pattaya. Thanks to the service I managed to solve the problem successfully) Operator Ekaterina helped.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've collected answers to common questions about money in Russia, the dollar, and the ruble exchange rate, as well as transfers to Russia.
To arrange a RUB payout in Russia, ATM24 first checks the receiving channel for the Russia RUB payout route. The route is confirmed before payment, including 131 BANK, AVTOVAZBANK, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
The recipient can use a card or bank account for a RUB transfer to Russia if that channel is available for the bank. Before payment, ATM24 checks 131 BANK, ABSOLYuT BANK, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
For Russia, ATM24 can review a RUB payout through banks such as 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
For a RUB transfer to Russia, ATM24 checks recipient details against the selected receiving route: Russia RUB payout route, 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK, card payout, account payout, recipient name, RUB payout data, and different receiving rules for ABSOLYuT BANK and AVTOGRADBANK. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
Transfer timing to Russia in RUB starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks 131 BANK, ABSOLYuT BANK, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
The fee for sending money to Russia with payout in RUB is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through ABSOLYuT BANK or AVTOVAZBANK, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
Payment for a RUB transfer to Russia can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Russia RUB payout route, bank such as AVTOVAZBANK, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
The minimum transfer amount to Russia in RUB through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Russia RUB payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes 131 BANK to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
Large transfers to Russia in RUB are checked by amount, recipient route, and receiving bank. ATM24 reviews 131 BANK, AVTOGRADBANK, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
The estimated payout for sending 1000 USD to Russia in RUB should be checked by route: 83,486 RUB. ATM24 reviews 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final RUB amount in the order. Bank-route examples for Russia: 131 BANK, ABSOLYuT BANK, AVTOVAZBANK, AVTOGRADBANK, and AVTOKREDITBANK.
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