Cryptocurrency for thousands of Russians has become a way of constant earnings. But bitcoins are not fiat money, and you can pay them only on highly specialized sites on the Internet. Even for those who regularly mine, it is periodically necessary to convert cryptocurrency into real money. There are several options for cashing online currencies, but most customers want to know how to withdraw bitcoins to a card. The most popular means of payment is the plastic card of Sberbank. There are several ways to withdraw bitcoins to a Sberbank card.
Bitcoin withdrawal: risks
Cryptocurrency is characterized by instability, but this is what attracts buyers in it. However, even successful traders are looking for options for cashing bitcoins. And, unlike an ordinary wallet, it is much more difficult to withdraw funds from it to a Sberbank card.
What distinguishes the output of bitcoins:
- Mandatory Commission. The owner of a bitcoin account will have to pay from 1% to 15% for transferring cryptocurrency to Sberbank’s payment instrument.
- Long time crediting funds. The minimum speed at which the cryptocurrency is displayed in rubles, taking into account all transactions, is 15 minutes.
- High risk of surgery. 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 interfere with experienced traders to cash out crypto-wallets and use the funds received. To avoid negative consequences, you need to know how to display bitcoins on the card of the largest bank in the country quickly and with minimal losses.
Where to start?
A feature of the cryptocurrency transfer is that it cannot be transferred directly from the Sberbank card from your account. To do this, use an external wallet. Most of those who mine Bitcoins use a Blockchain wallet.
It is safe, functional and convenient even for beginners. Before you can withdraw bitcoins to a card, you first need to transfer them to the account of the “Blockchain” wallet. If the user does not know the number of his wallet, you need to click on "Receive" 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 of crediting to an external wallet is no more than a day.
The commission is charged in accordance with the terms of the trading platform, on average, no more than 15% per operation.
How to use Blockchain: a guide for beginners
Blockchain, or BlockChain, is the most popular BTC external wallet. He is a reliable intermediary when transferring from a bitcoin account to real currency. Before you withdraw bitcoins to a card, you must transfer them to your account in BlockChain. After that, choose the option of transferring cryptocurrency to the card account of Sberbank.
Before using BlockChain, you need to register in the system. When using an external wallet, login is performed by login and password. Protection is the code received on the phone of the account holder.
Users may not be afraid to use BlockChain as an external Bitcoin wallet. The system allows you to set 2-level protection at the entrance to the system. This allows you to block access to data scammers who have already entered the account after learning the primary password. As a security option, a mobile phone or a free application for smartphones is used.
Cryptocurrency withdrawal methods
There are 3 ways to display bitcoins on a card:
- Exchangers.
- Cryptocurrency exchanges.
- Output to WebMoney.
In the first case, the withdrawal is faster, but exchanges are considered a more reliable option to receive real money from online currencies.
Transferring to WebMoney is considered a new way to cash bitcoins, and it has already gained the trust of thousands of cryptocurrency miners thanks to an attractive exchange rate.
A transfer by withdrawal by any of the methods should be remembered that you must first transfer funds from an external wallet, for example, “Blockchain”, to an intermediary account. Only after this is it possible to convert bitcoin into rubles.
How to withdraw cryptocurrency through exchangers?
Exchangers are popular, despite certain risks. It is possible to carry out a transaction in them within 15-30 minutes, but the commission can reach 15% of the transaction or more. It is impossible to withdraw bitcoin to a card without a commission through exchangers, but there are several options for minimizing the costs for the owner of the cryptocurrency.
Firstly, it is recommended for beginners to use the service for selecting exchangers. The proven site is BestChange. It combines more than 100 exchangers. On the BestChange website, users can immediately get acquainted with the course, 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 customers recommend are at the top. But do not forget about the exchange rate - it will be the key to the estimated profit.
Thirdly, before you withdraw bitcoins to a Sberbank card, you should familiarize yourself with the minimum amount of withdrawal of cryptocurrency. Sometimes the requirements of the exchanger are greater than the balance of bitcoins on the account. In this case, receiving cash in this exchanger does not work, you will have to choose another intermediary with lower conditions.
Instructions for withdrawing cryptocurrencies through BestChange exchangers
When withdrawing through BestChange service exchangers, you should enter an external wallet, for example, BlockChain. It will be needed to replenish the exchanger account.
To work with the BestChange application, you should:
- In the left part of the table (column “Give”) select Bitcoin (BTC).
- In the right part (“Receive”), click on “Sberbank” (located in the “Internet banking” section).
- In the list that opens, select the exchanger, focusing on the best rate and positive user reviews.
You should pay attention to the line "Reserve". It shows the stock of finance that the exchanger has. Withdrawing by credit card more than the amount indicated in the “Reserve” will not work.
- Next, an exchanger window will open, in which you should also select the object of sale - Bitcoin (BTC) cryptocurrency, and the option for receiving it is Sberbank. In some exchangers, this is indicated automatically.
- After selecting the conditions, fill in the data. Mandatory information when transferring through exchangers is: name, card number, mobile phone (current and tied to a credit card), mail address, amount of bitcoins. After entering the cryptocurrency, the initial balance will be displayed, which will be transferred to the Sberbank card.
- You should click on the "Create Request" button. In a new window, information appears 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 button “I paid the application” until the funds are transferred from BlockChain.
- When the application for withdrawal is executed, 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 line “To”. In the same window, the amount of bitcoins is entered. In the "Description" section, you can specify the name of the exchanger, but it is allowed to leave the field empty.
- After transferring funds, the balance to the exchanger balance should be clicked on the “I paid” button. An application 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, site operators manually process them. 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 date of application creation. The maximum term for crediting cash 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 you withdraw money to a card from Bitcoin, you need to fund your Exmo exchange account. The advantage of the site is the lack of a commission for replenishing 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
It should be remembered that before using the exchange you must register in the system. Email is used for this.
How to withdraw bitcoins in rubles to a card using the Exmo exchange:
- Top up account. To do this, in the "Wallet" section, find bitcoin and click "Deposit".
- In the window that opens, you should generate an address, which is a one-time link for replenishment through the external Blockchain wallet.
- The copied address should be inserted into the BlockChain window and sent to it the number of bitcoins necessary for output, confirm the request.
- After crediting the cryptocurrency to the exchange account, you need to go to the “Exchange” section, where you can perform the operation - selling the cryptocurrency for rubles (or other fiat currency).
- To exchange, you should enter the amount of bitcoins and familiarize yourself with the conditions for converting cryptocurrency into rubles, confirm the operation.
- To get acquainted with 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. Commission for withdrawal to the card is 1.5% of the amount.
- Enter the card details, amount, confirm the transfer (a code will come from SMS).
According to statistics, money through the Exmo exchange is transferred to a bank card within 5 minutes. This is a convenient option on how to withdraw Bitcoins to a card from Lokalbitcoins (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. In this case, the trader can earn on the difference in rate.
Transfer Bitcoins to Rubles through WebMoney
A modern way to withdraw bitcoins for those who prefer not to waste time studying currency rates at exchangers or take risks on exchanges. How to withdraw bitcoins from a wallet to a card, and transfer them back only after creating a special WMX wallet on WebMoney.
It is an analogue of a cryptocurrency account and is used for direct withdrawal from external wallets, for example, “Blockchain”. You can create a wallet in your WebMoney account. The process takes no more than 5 minutes. But in order to create a Bitcoin wallet on WebMoney, the client must have a confirmed certificate (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 wallet “Lokalbitkoins” or “Blockchain”. Next - collect the amount of bitcoins for withdrawal, confirm the operation. As soon as the funds arrive at the WMX-wallet, they can be withdrawn to the currency account in the WebMoney system.
With it, the owner of the wallet can 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 crediting cash. When transferring from any WebMoney currency wallet, a commission is charged.
It should be borne in mind that almost all operations involving the withdrawal of cryptocurrency into real money are accompanied by a commission. It is also charged when transferring to WebMoney WMX wallet. The size depends on the enrollment option.
For example, in the "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 the legislation of the Russian Federation
Sberbank strictly complies with the requirements for transmitting data on dubious transactions. This allows you to protect citizens and prevent the financing of terrorism, the “laundering” of proceeds from crime and the cashing of funds.
In some cases, the withdrawal of cryptocurrency to Sberbank may be accompanied by a blocking of the card account. Is it possible to withdraw Bitcoin to a Sberbank card without negative consequences? To do this:
- Break down payments into small amounts. The Bank is especially careful when transferring over 1 million rubles. But it is not recommended to withdraw money "on the edge" of a controlled value. Amounts of 50-100 thousand rubles are controlled several times less, so it is better to limit yourself to such limits.
- Do not receive funds at an ATM immediately after transferring to a card. Otherwise, the client may be included in the list of “casters”.
- Do not ignore operator calls if the transfer operation is blocked. It is recommended to explain the purpose of the transfer, since in Russia bitcoin is not officially a prohibited currency, and Sberbank should allow the transaction within the limit (up to 1 million rubles).