Bitcoin minimum amount. What is the minimum bitcoin you can buy: detailed instructions

Bitcoin wallets are designed to store digital money and do not provide for their withdrawal into fiat - generally accepted - currency. The lack of relevant functionality limits the use of cryptocurrencies in everyday life, especially given the lack of a wide range of digital money payment offers. In this situation, exchangers for withdrawing bitcoins into rubles or other currencies become relevant.

Where and how to exchange bitcoin for rubles?

There are three ways to exchange bitcoins for rubles:

• through the exchange, the most suitable options are Exmo and YoBit;
• use exchangers;
• exchange funds directly.

The latter option involves transferring funds between users' wallets directly. This method is more profitable due to the absence of a commission, however, it entails the risks of fraudulent activities. Therefore, only trusted counterparties should transfer funds directly.

To reduce the level of risks, they turn to exchangers. Unlike exchanges, their commission is usually higher, but the functionality for withdrawing funds is much more convenient. To select the right service, pay attention to the following aspects:

• list of electronic wallets for withdrawal of funds;
• exchange rate;
• the speed of processing applications;
• the need for registration;
• the reputation of the exchanger;
• fees charged.

The rate of withdrawal of bitcoins to rubles may differ, the difference is sometimes up to 10%. It is recommended to analyze in advance the prospects for using the selected exchanger, tracking changes in its exchange rate.

The reputation of the selected service is evaluated by user activity, transaction volume, as well as reviews and comments. They also pay attention to the security of the entered data and ensuring confidentiality.

Commission

The commission is one of the main factors that people pay attention to when choosing a bitcoin exchanger. It can be calculated in the following ways:

• fixed amount - given the growth of the bitcoin rate, this option is used the least;
• interest accrual is a common option, the amount of interest can be either fixed or vary depending on the amount of the transferred amount;
• the combined option is also common, the main amount of the commission is charged as a percentage, but there is also a fixed minimum fee.

You should also pay attention to hidden fees. The transfer of bitcoins through the exchanger can be made not directly, but by fixing the amount on the server, after which you will have to pay another commission for withdrawing funds to online wallet. It often exceeds the transfer fee.

Exchange rubles for bitcoin

The exchange of rubles for bitcoins is carried out according to a similar principle. To find a suitable exchanger, use the appropriate services, for example, BestChange or LocalBitcoins.

Such sites allow you to choose an exchanger at the most favorable rate. BestChange offers advanced functionality, provides details and statistics on the most profitable offers in the cryptocurrency exchange.

LocalBitcoins offers a customizable search that allows you to select an exchanger by country of location, desired currency and wallet. Each participant is offered detailed information allowing to assess the potential of cooperation with him.

Top exchangers

It is difficult to derive a rating of exchangers for bitcoin due to constant changes. Variations in the rate of cryptocurrencies, the inclusion or expansion of functionality, other changes - all this affects the statistical data. The list of bitcoin exchangers given below as a rating is indicative.

obmen-bitcoin.ru - the exchange office sells and buys exclusively Bitcoin. directions Sberbank Qiwi Yandex Tinkoff. intuitive clear interface. No identity verification required. High speed of processing applications. Favorable rate without any additional and hidden fees. The exchange is made from 5 to 15 minutes in work time 6:00-23:00 (Moscow time). A big plus of this exchanger is its own telegram Bot for exchanging @BtcBank24com_bot. Guaranteed safety of your funds 100%. Operators on the site or in the telegram will always help with the exchange and answer your questions.

60sec.com - offers a semi-automatic exchange with an extensive list of options for withdrawing money. Transactions are processed within 15 minutes around the clock. Cryptocurrency exchange can be made without registration, however, there is a cumulative system of discounts for users.

A referral program is also provided, according to which the inviter receives a certain percentage of the referrals' transactions. However, it should be borne in mind that for different directions the transaction rate will differ due to the commission.

X-pay is a convenient bitcoin exchanger that works with major cryptocurrencies. Ensures the anonymity of transactions if the withdrawal is not made through a bank. It should be borne in mind that different directions are processed at different speeds - from 10 minutes to a couple of days. The system informs about all the nuances. Bonuses are also provided to registered users and for attracting referrals.

BaksMan is a convenient simple exchanger that offers other cryptocurrencies in addition to bitcoins. A distinctive feature is the high speed of data processing at a favorable exchange rate. All transactions are carried out automatically, registration is carried out immediately after the first exchange and offers certain bonuses for regular customers.

ProstoCash is a simple and convenient service for withdrawing bitcoins. Provides high level anonymity, requesting only the minimum set of necessary data. The rate is adjusted every three minutes, not only exchange quotes are taken into account, but also the reserve of the exchanger. The transaction speed takes up to 20 minutes.

Xchange - has been operating since 2012 in semi-automatic mode, provides high transaction speed - up to 10 minutes. The exchange rate of bitcoin for rubles is different and is constantly adjusted, depending on the chosen direction of transfer.

ATM is an exchanger of bitcoins and other cryptocurrencies that operates in manual mode. Application processing takes up to 15 minutes, the service works around the clock. With registration and ongoing cooperation, there is a cumulative discount and a referral program.

Blue.cash is an automatic exchanger with access to several cryptocurrencies and e-wallets. Offers profitable affiliate program and a loyal exchange rate for bitcoins.

ALFAcashier is an automatic cryptocurrency exchange service that has been operating since 2012. Provides high transaction speed, but bank transfer processing takes certain time. Suitable for exchanging large amounts due to reliable operation and excellent reputation of the service.

24PayBank is a round-the-clock bitcoin exchange that does not require registration. Transactions are carried out manually and take up to 10 minutes. The service has a favorable ratio of digital and real currencies.

Bit-Changer is a bitcoin exchanger that also allows you to make simple transfers. Compared to others, it has a limited choice of destinations. It works around the clock, during the day from 9 to 21 - in manual mode. Provides high speed exchange.

Every person working with cryptocurrency one day faces the need to cash out their digital assets. Withdrawing cryptocurrency to one of the most common payment systems or a bank card cannot be called an impossible task, but this process has certain subtleties that absolutely all Bitcoin holders should know.

Most people are convinced that converting bitcoins into rubles is inevitably associated with numerous risks. It is worth noting that there is some truth in this opinion. Not only online exchangers, but banking institutions can let you down. Keep in mind that most financial institutions restrict questionable transactions. How to cash out bitcoin and not fall under banking bans?

Useful recommendations to help you transfer bitcoins to a card without any problems

Where can I cash out Bitcoin?

With the participation of specialized exchangers;
thanks to P2P services;
using electronic payment systems;
through cryptocurrency exchanges that support fiat currency;
through dedicated forums.

All of the above methods of cashing out cryptocurrency have their own advantages and disadvantages. For example, exchange services are ideal for someone, and someone will find this method of withdrawing electronic cash unacceptable for themselves. Everything is very individual. So, let's look at all the methods of cashing out Bitcoin in more detail.

Withdrawing BTC using P2P resources

One of the most reliable P2P services is the LocalBitcoins project without hesitation. Operations with digital currency are performed here not only by recognized professionals, but also ordinary users. This service It is considered quite safe, since all financial transactions are processed here only after the final consent of both parties to the transaction.

All users on the project have an individual rating, real reviews and indicators of successfully completed transactions. Taking into account all these values, you can completely protect yourself from possible problems that may arise in the process of cashing out cryptocurrency.

To withdraw BTC through a P2P resource, you should follow the following algorithm:

1. We go through a simple registration and account verification procedure.
2. We replenish internal account on the project.
3. We are looking for a buyer of digital currency that suits us and click on the “Sell” button.
4. We send the buyer a request, which indicates the amount of the exchange, as well as the number bank card to make a payment.
5. We are waiting for the money to be credited to our account and confirm the successful closing of the transaction. After the end of the exchange, you need to leave a review.

How to cash out Bitcoin using exchange services

This is the most common and available method exchange of virtual cash for real money, however, it should be noted that it has one very serious drawback - not very profitable rates. The amount of commissions can vary between 3-10 percent. The advantages of this method include the possibility of withdrawing funds to popular electronic payment systems and bank cards.

To keep track of the best exchange rates, you can use the BestChange resource. It will help you to effectively filter exchangers that work with a particular payment system.

To exchange digital currency at the most attractive rate, you need to:

1. Click on the "Bitcoin" button in the "Give" section.
2. In the "Receive" section, select the required payment system or card.
3. In the list of services that appear in front of you, you will stop at the option with the smallest commission fees and a large number of positive reviews.
4. Go to the exchanger you like.
5. Fill out the form with payment data and confirm the exchange operation.
6. Wait for the translation to complete.

All sites presented on BestChange are proven resources, so you risk almost nothing.

How to exchange bitcoin for rubles using a crypto exchange

It is a method of cashing out digital cash and is generally preferred by crypto traders and short-term investors.

Not every trading platform works with traditional in cash, so the choice of exchanges suitable for our task is small. First of all, pay attention to such projects as EXMO.com and Kuna.io. They allow you to exchange cryptocurrency for rubles, dollars or hryvnias.

For example, on the EXMO exchange, the BTC withdrawal sequence will be as follows:

1. We make replenishment of the internal account of the exchange.
2. Change BTC to rubles or any other supported currency.
3. We decide on the withdrawal option that suits you.
4. We are waiting for the receipt of money to the account.

The disadvantages of this method of withdrawing BTC include only the financial limitations of transactions. You can cash out no more than 15 thousand rubles at a time, no more than 600 thousand rubles per month.

How to cash out BTC via Webmoney

You can also exchange digital currency for fiat money using electronic payment systems. It's quite comfortable and reliable way Bitcoin cashing out, which not all users know about.

The procedure for withdrawing BTC via Webmoney:

1. We register in the payment system and download the Webmoney client to your PC.
2. We verify in the system in order to receive formal certificate.
3. Create a WMX wallet.
4. Go to the settings of your electronic wallet.
5. We bind the ruble card.
6. Select the “Deposit” item in the wallet menu, and transfer digital coins to the address you specified.
7. We are waiting for the receipt of funds.
8. We convert the received funds into the currency you need and transfer them to the card that you previously linked.

Is it possible to cash out BTC without the participation of third parties?

Yes, such a possibility exists. The exchange in this case takes place on thematic portals or in specialized groups. On these resources, sellers and buyers of virtual cash find each other privately without mediation from third parties.
But you need to understand that this method of exchanging digital currency is quite risky. By negligence, you can easily run into scammers who will take possession of your savings. Therefore, when searching and choosing a buyer, you need to be as careful as possible. Pay close attention to his personal rating, the time spent on the resource and the number of positive reviews.

In conclusion, I would like to note that the most reliable and popular methods for withdrawing BTC are cryptocurrency exchangers and P2P services. Giving preference to these methods of cashing out digital cash, you save a lot of nerves and time.

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 change Bitcoins by the best exchange rate and even compare rates of different services. In addition, I will explain what you should be afraid of when cashing out cryptocurrency and what risks lie in wait for 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 directly to the withdrawal methods.

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

Usually, when they talk about the security of exchanging Bitcoins for rubles, they mean the risks that the exchanger or exchange will steal your money. But, in fact, the 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 counteracting 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 proof that the money was earned honestly.

AT this moment Cryptocurrency is not regulated by law, so banks are reinsured and often do not side with the client. 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 withdrawn amount.

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

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

How to protect receipts from blocking?

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

In general, if you make several withdrawals per month for amounts not exceeding 50 tr., then the risk of blocking is very low. With an increase in the one-time amount and the monthly amount of withdrawn funds, 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 cashing out Bitcoin in Russia, you need to find out how safe it is. Will you fall under any article?

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

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

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

But how is it? We heard about criminal cases for cashing out cryptocurrency! For example, this is a resonant case.

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

As for the case described above, people were accused of illegal banking activities. This article is definitely not for you.

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

Do I have to pay taxes when cashing out Bitcoin?

Let's start off with. that the state 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 it for $10,000, and made a profit of $5,000. With this money you have to pay income tax, that is, 13%.

Accordingly, this income must be indicated in the declaration. And the declaration itself was filed with the tax office.

But, firstly, cryptocurrencies are anonymous. Therefore, it is almost impossible to trace where the money came from and what is the basis for the transfer. And if you withdraw Bitcoins immediately into cash, then the state authorities do not know anything about your income at all.

Secondly, it is impossible to prove that this is income (of course, if you yourself do not tell the tax office about it). You can always say it's a loan or a tax-free gift.

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

What if you bought it for 10,000? So, you are at a loss and do not have to pay anything. But it is not clear how you can prove this to the tax. And it is even less clear how the tax authorities can prove otherwise.

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

Pay taxes on cashing out Bitcoin or not? Everyone decides for himself. Do I pay taxes on cryptocurrencies? Yes, I'm crying.

offshore card.

Many users think that if they use an offshore card, they are 100% tax protected. Actually, it is not.

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

In general, as far as I know, there is no private tax police in Russia that would track your transactions. But if they are interested in you, then 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 this writing, the Bitcoin exchange rate was 670,941 rubles according to the coindesk.com exchange.

Course according to coindesk.com.

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

Monitoring of exchangers.

At the same time, rates on LocalBitcoins turned out to be more profitable. More than 700 tr were offered for one Bitcoin.

Localbitcoins exchange rates.

Keep in mind that the exchange rate 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 of activity has begun 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 be raised 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 BestChange exchanger monitoring.

This service combines the best online exchangers. An exchanger is a service where you can exchange one currency for another by paying a small fee. For example, you translate Ivanova I.I. Bitcoins 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 that each exchanger has and reviews about it.

How to exchange Bitcoins for rubles using BestChange?

1.2. Withdrawal of Bitcoins to rubles through LocalBitcoins.

This is a service that, by its principle of operation, resembles an exchange. He acts as an intermediary between 2 people, one of whom wants to sell Bitcoins, and the other 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 are selling Bitcoins, then you do not need to worry about security at all. The fact is that the exchange of Bitcoins occurs through the service: first, the seller transfers them to the wallet in LocalBitcoins, then after the start of the exchange, the cryptocurrency is blocked, and after the 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 member has reviews, rating, percentage of successful transactions, etc. People spend a lot of time and effort to improve their reputation and will not cheat anyone for the sake of a few thousand rubles. If you are a beginner, then 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 verify your phone and identity, as well as set up two-factor authentication.

Step 2. We replenish the internal wallet. To do this, click on "Wallet", then on "Get Bitcoins". After that, transfer the required amount to the address displayed 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 choose the user you like (pay attention to the reputation, the percentage of successful transactions, the amount of exchange) and click on the "Sell" button.

Step 4: Submit a trade 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, greet and indicate the card for transfer. But this can be found out in the process of communication.

Step 5. After the seller transfers money to your card, you need to confirm the receipt of 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 via a Telegram bot.

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

The exchange takes place in the same way as in the previous service:

• We register in Telegram (if not registered) and add the BTC_CHANGE_BOT bot (BTC banker). Choose the Russian language and agree to the terms.
• We go to the 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 see information about each seller.
• After we have chosen the seller, we begin the transaction. To do this, follow the requirements of the bot: indicate the amount of exchange, 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. Withdrawal of Bitcoins to the card via Webmoney.

This method has several advantages. Firstly, this is a more profitable exchange 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 blocking your account.

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

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

• To transfer a small amount, it will be enough to get a formal certificate. But, if you plan to often withdraw money through WebMoney, then it is recommended to get an initial certificate. By the way, this can be done through the website of the State Service.
• We start 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 the transfer of Bitcoins, they will be displayed 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.

Choose the output 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.

• In order 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 TIN and payment amount. After that, check and pay this account.

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 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 make it difficult to work with really large amounts: 15,000 rubles for one withdrawal and 600,000 rubles per month.

To be honest, I trust exchangers and Webmoney more than such exchanges.

How is the withdrawal?

• Transfer Bitcoins to the 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 with the help of the exchange itself or with the help of an internal exchanger.

We exchange for rubles.

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

We order a withdrawal.

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

The two most popular ways to withdraw BTC. Where are the best courses?

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

Now you do not need to go to all these services and compare rates. 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 how it is most profitable 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's February 2019 now. According to coinmarketcap.com, the dollar exchange rate is 4190 dollars.

Rate according to coinmarketcap.com.

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

The dollar to the ruble.

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

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

• BestChange.

BTC to Sberbank exchange rates 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 per card.

• localbitcoins

BTC exchange rates for Sberbank on Localbitcoin.

The exchange rate for LocalBitcoins is 274,000. So, when I withdraw 0.1 Bitcoin, I will receive 27,400 rubles for Sberbank.

• Telegram bot.

Conditions for exchanging BTC for Sberbank in Telegram bot.

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

• Exchange EXMO.

The exchange rate of BTC to Sberbank on the stock exchange.

The exchange rate is 270,000 rubles for 1 Bitcoin. You also need to take into account the commission of 3% for the withdrawal. That is, when exchanging 0.1 BTC for a 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. The worst exchange rate on the exchange.

How to withdraw Bitcoins to Qiwi at the best rate?

The second most popular way to withdraw BTC is the Qiwi wallet.

A large number of people use this payment system. Internal transfers here can be made without commission. There are Qiwi terminals all over the country where you can replenish 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 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 for 1 BTC.

• BestChange.

BTC to Qiwi exchange rates on Bestchange.

According to the results of sorting, 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.

• local bitcoin.

BTC exchange rates for 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 for Qiwi in Telegram bot.

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

• Exchange EXMO.

BTC to Qiwi exchange rate on the exchange.

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

Qiwi results:

In this exchange direction, we also managed to find out the best exchange rate.

Comparison of BTC rates - Qiwi for February 2019.

As you can see, the best course Bitcoin withdrawal Qiwi offers Localbitcoins. And the course 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. Usually they make it possible to pay for purchases in regular stores or online without a commission, which is very convenient - you can not cash out at all. It's so convenient that my wallet is already bloated with different cards.

The idea is simple and understandable. 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 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 tied to the balance of these wallets. You can pay with these cards in online and brick-and-mortar stores, as well as withdraw money from ATMs. Bitcoins are converted into card currency at the current rate. But the problem is that almost all such cards are available only to residents of the European Union.

There remains the option of transferring Bitcoins to one of their anonymous payment systems, converting into dollars and withdrawing through a 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 ordering, and the issued cards will stop working in January 2018.

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

Withdrawing via an anonymous card will require you to pay a relatively high fee. A commission is usually paid for transferring money to a payment system wallet, transferring money to a card, and for withdrawing money from an ATM. If you plan to withdraw money in rubles, then get ready to pay more for currency conversion.

As you already understood, the money is withdrawn as follows: transfer money to the payment system ( in an official way or through exchangers), put them on the card and withdraw them at an ATM in the currency of the card or rubles.

3. Withdrawal of Bitcoin from the wallet to cash rubles.

There is another way to cash out cryptocurrency. The exchange is carried out without the participation of banks, that is, immediately 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, high commissions and high risks await you.

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

There are exchangers that are ready 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 the sake of 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 get information about the place where the bookmark with your money is located. But I think you understand how risky such an undertaking is. There may not be any money in the specified place and then you will not prove anything to anyone.

How to safely cash out Bitcoin in Russia?

• Go to the site of the exchanger, which offers a cash exchange service. 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 cash desk has the required amount), you arrive at the office of the exchanger and transfer Bitcoins to the specified address in the presence of the operator.
• After several confirmations of the transaction, you take your money.

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 out rate.

Is this 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 the two individuals quite legal.

Above, I already talked about the resonant detention in Russia of a group of people involved in cashing out Bitcoins. But these people are detained for illegal Bank operations that doesn't threaten you. The exchange of bitcoins itself does not entail punishment.

3.2. Through WebMoney.

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

Benefits of official WebMoney exchangers:

• There are more of them. If ordinary exchangers are located only in Moscow and St. Petersburg, then WebMoney exchangers there are almost all million-plus cities.
• More trust. Such exchangers are opened only with the permission of the payment WebMoney systems and controlled by her. In the case of the provision of low-quality services, WebMoney may deprive the exchanger of a license.
• Contract for services. An agreement is concluded with clients even before the exchange. Accordingly, in this case, you will be protected from potential fraud.

How to make an exchange?

• We 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 contract for the provision of services signed by the exchanger.
• We transfer money to the specified details.
• At the specified time, we come to the office and pick up cash.

Instructions for one of the exchangers.

3.3. Withdrawal through private changers.

On the LocalBitcoins website, on cryptocurrency forums, in the corresponding Telegram bots, etc. you can find people who exchange bitcoins for cash. Here you will again encounter the fact that most of them will be concentrated in large cities. I hope you do not need to tell anyone that in advance money cannot be transferred. It is best to make an 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, which cannot be ignored, is ATMs. Again, this method is still available only to those who live in large cities.

At the moment, this method of withdrawal 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 confirmation of the transaction.

Comparison of withdrawal rates.

In order to check 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 for 1 BTC (according to coindesk.com).

The exchange rate of Bitcoin to the ruble.

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

Courses on Bestchange.

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

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

Courses on Localbitcoins.

As expected, the course pleased. You can change Bitcoins at a price of 980 - 991 thousand rubles for 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.

The exchange rate on the EXMO exchange.

The exchange rate is 987,948 rubles for 1 BTC. A decent rate, but do not forget that you will have to pay 2% for the withdrawal. It turns out: 978,948 - 2% = 959,369 rubles - that's how much you get on the card by 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 for WebMoney.

Here we see rates from 1021 to 1034 thousand rubles for 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 calculate: 1,030,000 - 3.8% = 990,860 rubles.

Total.

As you can see, the best exchange rate at the moment is offered by WebMoney. Even cash withdrawal through official exchangers is more profitable here than cashing out to a card. But, you need to keep in mind that for full-fledged work with this payment system, you need to pass verification.

FAQ.

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

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

The rules for withdrawing money from WebMoney change very often. Those methods that work now may not be available in the near future. At the same time, at the moment, WebMoney has the best exchange rate for Bitcoins for rubles (of the methods that we considered above), so using this payment system is beneficial.

Firstly, if you withdraw money through official exchangers, you will pay a commission of 3.8-4.8%. But still, it will 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 mobile operators. It is not named, 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 (this is 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 amounts, but for general use it is quite suitable. ATM withdrawal fees start at 3%. You can pay with this card without commission.

2. Which Bitcoin withdrawal method do I use myself?

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 exchange rate is growing so fast that you can not 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 receipts by banks. Therefore, now I have settled on WebMoney and received the necessary certificate for working with large amounts.

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

3. How to withdraw Bitcoins to Qiwi wallet?

The withdrawal of Bitcoins to Qiwi (Qiwi) is not much different from. You can use the same tools.

• Bitcoin withdrawal to Qiwi using BestChange . Specify the direction of the exchange "Bitcoin - Qiwi" in the table. Exchangers will be sorted by the best rate and you will only have to 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.
• Withdrawing Bitcoins to Qiwi using LocalBitcoins . Immediately on home page site, you will see offers to buy your Bitcoins for rubles or dollars of the Qiwi payment system. So you will need to choose the best offer for you and make an exchange.
• Withdrawing money from a Bitcoin wallet to Qiwi using a Telegram bot. The exchange here is carried out in the same way as for 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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Usage electronic currency has advantages. This is the security of transactions, minimal costs for transactions, the ability to use the currency anywhere in the world. Through special exchanges, you can transfer money into bitcoins at a favorable rate. Transfer through exchanges is somewhat stretched 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, 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 with Sberbank plastic. The minimum unit of Bitcoin is Satoshi. One 1 BTC contains approximately 10 million satoshi. To exchange, you need a card of a financial institution, an electronic wallet for bitcoin, email.

Instructions on how to buy bitcoins:

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

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

1. Anonymity is lost. In such transactions, anonymity is important, since 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 intervene in the process.
3. The need to ensure security during the exchange.

Exchange via Qiwi

Rubles from Qiwi wallet can be converted into Satoshi. BestChange, 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 BTC reserve. If there is not enough currency, then the transaction will not take place.

Instructions for exchanging Qiwi for bitcoins:

1. Choose the right service.
2. Decide how much currency to transfer.
3. Specify how much BTC you need to receive as a result of the operation.
4. Refine email.
5. Specify the details of the QIWI wallet.
6. Specify the number of the bitcoin wallet to which the money transfer should be made.
7. Click "Exchange". Read the instructions on the site.
8. After that, the cryptocurrency will be transferred to the user's account. The transfer is made after the PTS system confirms the transfer twice.

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

Important! You need to pay attention to the commission of the exchange. The size of the commission may differ for the input and output of currency. 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 withdrawing is 5 percent.

Direct Purchase

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

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

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 electronic systems Yandex.Money, Qiwi.

1. Cryptocurrency exchanges. Through EXMO, exchange "digital gold" for the desired currency and withdraw it to the card.
2. Via electronic systems. For example, use Advcash. The system keeps users anonymous. For the Advcash system, you can order plastic Advcash Mastercard and withdraw money from an ATM.

The digital currency has no official status, but transactions with it are not prohibited. At correct use"digital gold" makes a profit. It is important to follow security measures in order for the transaction to be successful.

In the table you can see a number of exchangers, any of which is capable of making a manual or automatic exchange Cryptocurrency Bitcoin → Qiwi wallet (rubles). Pay attention to the labels that are sometimes set next to the names of the exchange points in the list. To instantly go to the site of the exchange office you have chosen, you just need to click once on the line with its name. If it so happened that after going to the exchange site you did not find the possibility of an exchange, contact its online consultant. It is likely that some difficulties have occurred and at this stage of the work of the exchange site, automatic exchanges are not available, then you may be offered a manual exchange. If the exchanger you are interested in has failed to convert Bit Coin cryptocurrency to Mobile Wallet RUB, please let us know. We will take appropriate measures in time: discussing the problem with the owners of the exchange point, or delisting the exchange website from the listing of the current exchange direction.

It often happens that Bitcoin → QIWI rates are much more profitable when you get to the website of the exchange through our monitoring. If you have never exchanged electronic money in this way and you are having difficulties with the exchange, please use our instructions located in the FAQ section.

Use the Calculator to accurately calculate the amount you give or receive. You can study in detail the Statistics of reserves and courses at any time. If the current courses do not suit you, use the Notification function - set your own conditions, and when suitable courses appear, you will receive an alert on email or on Telegram. In the absence of exchangers, using the Double exchange function, you will find the best option for two exchanges through a transit currency.

Guaranteed work of exchange offices

You can trust each of the exchangers offered by our monitoring. In the rating of our site, only reliable exchange points that have been verified by the service operator can be shown. Each of them has a high level of BL, TS, decent reserves and long experience in a similar business.