Cryptocurrency for thousands of Russians has become a way of permanent income. But bitcoins are not fiat money, and you can pay with them only on highly specialized sites on the Internet. Even for those who regularly mine, from time to time it is necessary to transfer cryptocurrency into real money. There are several options for cashing out online currency, but most customers want to know how to withdraw bitcoins to a card. The most popular means of payment is the Sberbank plastic card. There are several ways to withdraw bitcoins to a Sberbank card.
Bitcoin withdrawal: risks
Cryptocurrency is unstable, but that is what attracts buyers to it. However, even successful traders are looking for options to cash out bitcoins. And, unlike a regular wallet, withdrawing funds from it to a Sberbank card is much more difficult.
What makes bitcoin withdrawals different:
- Compulsory commission. The owner of a bitcoin account will have to pay from 1% to 15% for transferring cryptocurrency to a Sberbank payment instrument.
- Long time to credit funds. The minimum speed at which cryptocurrency is withdrawn into rubles, taking into account all transactions, is 15 minutes.
- High risk operation. Depending on the method of receiving cash, the owner of bitcoins can withdraw funds with a high commission (up to 55%) or run into Internet scammers.
- Additional control by Sberbank. Cryptocurrency is not officially recognized as a reliable means of exchange, so Sberbank can "freeze" a client's card when trying to transfer bitcoins.
But all these factors do not prevent experienced traders from cashing out crypto wallets and using the funds received. To avoid negative consequences, you need to know how to withdraw bitcoins to the card of the largest bank in the country quickly and with minimal losses.
Where to start?
A feature of the transfer of cryptocurrency is that it cannot be immediately transferred from your account with a Sberbank card. To do this, you need to use an external wallet. Most of those who mine bitcoins use a blockchain wallet.
It is safe, functional and comfortable even for beginners. Before withdrawing bitcoins to the card, you first need to transfer them to the Blockchain wallet account. If the user does not know his wallet number, you need to click on"Get" on the main screen. A hint can be used by those who do not know how to withdraw bitcoins to a card from NiceHash or another popular cryptocurrency platform. The term for crediting to an external wallet is no more than a day.
Commission is charged in accordance with the terms of the trading platform, on average, no more than 15% per operation.
How to use the "Blockchain": instructions for beginners
Blockchain, or BlockChain, is the most popular external BTC wallet. It is a reliable intermediary when transferring from a bitcoin account to real currency. Before withdrawing bitcoins to the card, you need to transfer them to your BlockChain account. After that, select the option of transferring the cryptocurrency to the Sberbank card account.
Before using BlockChain, you need to register in the system. When using an external wallet, login is carried out using a login and password. The security is a code sent to the account owner's phone.
Users should not be afraid to use BlockChain as an external bitcoin wallet. The system allows you to set 2-level protection when logging in. This allows you to block access to these scammers who have already entered the account by learning the primary password. The security option is a mobile phone or a free smartphone app.
Cryptocurrency withdrawal methods
There are 3 ways to withdraw bitcoins to the card:
- Exchangers.
- Cryptocurrency exchanges.
- Conclusionto WebMoney.
In the first case, the withdrawal is faster, but exchanges are considered a more reliable option to get real money from online currency.
Transfer to WebMoney is considered a new way to cash out bitcoins, and it has already won the trust of thousands of cryptocurrency miners thanks to its attractive exchange rate.
Transfer by withdrawal by any of the methods, remember that you must first transfer funds from an external wallet, for example, "Blockchain", to an intermediary account. Only after that it is possible to transfer bitcoin to rubles.
How to withdraw cryptocurrency through exchangers?
Exchangers are popular despite certain risks. You can make a deal in them within 15-30 minutes, but the commission can reach 15% of the deal or more. It is impossible to withdraw bitcoin to a card without a commission through exchangers, but there are several options for minimizing costs for the owner of the cryptocurrency.
Firstly, beginners are advised to use the service for the selection of exchangers. The proven platform is BestChange. It combines more than 100 exchangers. On the BestChange website, users can immediately see the rate, commission and reviews. All exchangers are structured in the form of a table: the best offers are located at the top.
Secondly, you should choose only exchangers with positive reviews. The best ones recommended by customers are at the top. But do not forget about the exchange rate - it will be the key to the expectedarrived.
Thirdly, before withdrawing bitcoins to a Sberbank card, you should familiarize yourself with the minimum amount of cryptocurrency withdrawal. Sometimes the requirements of the exchanger are more than the balance of bitcoins in the account. In this case, you will not be able to receive cash in this exchanger, you will have to choose another intermediary with lower conditions.
Instructions for withdrawing cryptocurrency through BestChange exchangers
When withdrawing via BestChange service exchangers, you should enter an external wallet, for example, BlockChain. You will need it to replenish the account of the exchanger.
To work with the BestChange application, you should:
- On the left side of the table ("give back") select Bitcoin (BTC).
- On the right side (“Get”), click on “Sberbank” (located in the “Internet banking” section).
- In the list that opens, select an exchanger, focusing on a favorable rate and positive user reviews.
You should pay attention to the line "Reserve". It shows the stock of finance that the exchanger has. Withdrawing to a credit card more than the amount specified in the "Reserve" will not work.
- Next, an exchanger window will open, in which you should also select the object of sale - the Bitcoin (BTC) cryptocurrency, and the receiving option - "Sberbank". In some exchangers, this is indicated automatically.
- After choosing the conditions, fill in the data. Mandatory information when transferring through exchangers is: full name, card number, mobile phone (current and linked to a credit card), mail address, amountbitcoins. After entering the cryptocurrency, the initial balance will be displayed, which will be transferred to the Sberbank card.
- You should click on the "Create Application" button. A new window will appear informing you that the application is awaiting payment. Payment is a transfer of bitcoins from an external wallet to an exchanger. You should not click on the "I paid for the application" button until the funds are transferred from BlockChain.
- When the withdrawal request is completed, the wallet details (Latin characters and numbers) will be displayed in a new window. The number must be copied and pasted into the "Send" window in the "Blockchain" (or other external bitcoin wallet), the "To" line. In the same window, the amount of bitcoins is entered. In the "Description" section, you can specify the name of the exchanger, but you can leave the field empty.
- After transferring the balance to the balance of the exchanger, click on the "I paid" button. The request for withdrawal of funds to the card will be sent for processing by the manager of the exchanger.
In some companies, applications are confirmed automatically, in others they are processed manually by site operators. The term for consideration and transfer of funds, on average, takes from 5 to 30 minutes.
Cryptocurrency exchange through exchanges
Cryptocurrency exchange is the second most popular way to get real money from bitcoins. It allows you to receive funds within 30 minutes from the moment the application was created. The maximum term for cash transfer is 3 days. This is one of the safest and cheapest options for withdrawing from a bitcoin wallet to a Sberbank card.
One of the most popular cryptocurrency exchanges is Exmo. Before withdrawing money from bitcoin to a card, you need to replenish your Exmo exchange account. The advantage of the site is the absence of commission for replenishment with bitcoins. But the commission is charged when transferring from an external wallet, for example, "Blockchain", in the amount of 1-2% by the cryptocurrency service.
Instructions for withdrawing bitcoins from exchanges
Please remember that before using the exchange, you must register in the system. For this, email is used.
How to withdraw bitcoins in rubles to a card using the Exmo exchange:
- Refill your account. To do this, you need to find bitcoin in the "Wallet" section and click "Deposit".
- In the window that opens, generate an address, which is a one-time link for replenishment through an external wallet "Blockchain".
- The copied address should be inserted into the BlockChain window and send the amount of bitcoins needed for withdrawal to it, confirm the request.
- After crediting the cryptocurrency to the exchange account, you need to go to the "Exchange" section, where you can carry out the operation - the sale of cryptocurrency for rubles (or other fiat currency).
- For the exchange, enter the amount of bitcoins and read the conditions for the transfer of cryptocurrency into rubles, confirm the operation.
- Check out the amount in rubles, which is displayed in the "Wallet" section opposite the currency of the same name.
- Click on "Withdraw", select the option - a plastic card. The commission for withdrawing to the card is 1.5% of the amount.
- Enter card details, amount,confirm the transfer (a code will be sent from SMS).
According to statistics, money is transferred to a bank card through the Exmo exchange within 5 minutes. This is a convenient option on how to withdraw bitcoins to a card from "Localbitcoins" (or "Blockchain") without risk.
The advantage over exchangers on cryptocurrency exchanges is the ability to exchange money for rubles and back within a few minutes. At the same time, a trader can earn on the difference in the exchange rate.
Transfer bitcoins to rubles via WebMoney
A modern way to withdraw bitcoins for those who prefer not to spend time studying currency rates on exchangers or taking risks on exchanges. How to withdraw bitcoins from a wallet to a card, and credit them back is possible only after creating a special WMX wallet on WebMoney.
It is analogous to a cryptocurrency account and is used for direct withdrawal from external wallets, such as Blockchain. You can create a wallet in your WebMoney account. The process takes no more than 5 minutes. But to create a bitcoin wallet on WebMoney, the client must have a confirmed passport (which is issued after sending a copy of the documents).
In order to create a wallet, you should enter the special section "WebMoney". After creating a WMX wallet, a number will be assigned to it. It should be copied and pasted to be sent from an external "LocalBitcoins" or "Blockchain" wallet. Next - dial the amount of bitcoins to withdraw, confirm the operation. As soon as funds arrive at WMX-wallet, they can be withdrawn to a foreign currency account in the WebMoney system.
From it, the wallet owner can already request a transfer to a bank card, account or other online wallet. If you plan a systematic withdrawal, you can create a transaction template, for example, attach a bank card for cash transfer. When transferring from any WebMoney currency wallet, a commission is charged.
It should be borne in mind that almost all transactions for the withdrawal of cryptocurrency into real money are accompanied by a commission. It is also charged when transferring to the WebMoney WMX wallet. The amount depends on the enrollment option.
For example, in "Blockchain" a trader can choose a quick transfer of funds. Cash in this case will be transferred within 5-30 minutes. The commission will be within 5% of the withdrawal amount. If you do not use a quick withdrawal of funds, then you will have to wait from 40 minutes to a day.
Safety and compliance with Russian legislation
Sberbank strictly complies with the requirements for the transfer of data on suspicious transactions. This helps protect citizens and prevent the financing of terrorism, money laundering and cashing out.
In some cases, the withdrawal of cryptocurrency to Sberbank may be accompanied by blocking of the card account. Is it possible to withdraw bitcoin to a Sberbank card without negative consequences? To do this, follow:
- Break payments into small amounts. The Bank treats transfers over $1 million with extreme caution.rubles. But it is not recommended to withdraw money "on the verge" of a controlled value. Amounts of 50-100 thousand rubles are controlled many times less, so it is better to limit yourself to such limits.
- Do not receive funds from an ATM immediately after transferring to a card. Otherwise, the client may end up on the list of "cashers".
- Do not ignore calls from operators if the transfer operation is blocked. It is recommended to explain the purpose of the transfer, since bitcoin is not officially a prohibited currency in Russia, and Sberbank must allow the transaction to be carried out within the limit (up to 1 million rubles).
