How to buy bitcoin for rubles with a bank card (cheap, with a small commission from 1% & # x1f609;)

Good day everyone!

In the last wave of the popularity of Bitcoin, and indeed of cryptocurrencies in general, I often hear questions regarding its acquisition. 👀

Moreover, we are not talking about some kind of large sums, but just out of interest, many people want to try, see what it is, investing a few thousand (after all, over the past year, the same Bitcoin has grown tenfold, Ethereum hundreds! ).

In this article I will try to briefly and easily describe the purchase process itself (for ordinary people who are not experienced in online payments).

I will proceed from the fact that the overwhelming majority of people, after all, have a ruble plastic card (of any Russian bank). I will try to tell you from my little experience how to buy Bitcoin with the lowest commissions (as much as possible).

Note: you won't be able to do without third-party services. Bitcoin is not sold directly on a bank card anywhere relatively profitably (if there is such a place, let us know in the comments).

👉 Remark!

BITCOIN: what is it, where to find out its course, where to buy it, and is it possible to become a millionaire? About cryptocurrency in simple words

4 ways to buy cryptocurrency with a card

Method number 1. Using the Chatex cryptocurrency exchange (from a card of any bank without commission for purchases and transfers within the system)

Chatex Is a p2p marketplace that operates in the Telegram messenger. You can buy bitcoin at Chatex in a matter of minutes:

First, follow the link and register: choose the language, country, nickname;
Next, open the [Exchange] section, select Bitcoin or any other of 9 other cryptocurrencies (USDT, ETH, TON Crystal, TRX, BTG, BCH, DASH, XRP, LTC), fiat currency and a payment method, for example, Sberbank;
What does a telegram bot look like
We select a suitable ad (in the list they are ranked according to the profitability of the course). We respond by clicking "Buy" ;
Seller choice
We choose the amount. We are waiting for a response from the seller - usually it takes 1-10 minutes.

Fast and easy. Plus, friendly support and referees work 24/7 and will help with any problems within 15 minutes. The bot operates a relative rate that will accurately show the profit from each transaction, as well as rating and badge systems that reflect the competence of sellers.

Chatex has been operating since 2018. Today the service is used by more than 180,000 people.

Method number 2. With the help of QIWI, AdvCash, and the Yobit (or EXMO) exchange. Commission 0.9% ÷ 1.5%

In general, the most profitable rate for buying Bitcoin (and other cryptocurrencies) is usually on cryptocurrency exchanges. In most cases, you can buy Bitcoin there at the market rate with a small commission (even the most "greedy" exchanges charge no more than 0.25% of the transaction amount).

But there is one problem with exchanges: somehow you need to deposit funds from a ruble card there, but it is not so easy to do this without a commission (on average, the commission for depositing from a ruble card is 5-10%, and then after passing the verification (which is is expensive and long, and not always possible)).

I will suggest a way from my experience, it is not ideal, but quite working (besides, the commission for replenishing the exchange account will be only about 1%, which is quite good). Before going through the points of any of the methods below, read it completely!

❶ Bank card -> QIWI

Using a bank card, we replenish the QIWI wallet (a very convenient thing for online payments). Replenishment goes without commission (from 1000 rubles). If you don't know how to work with QIWI - - then see this.

❷ QIWI -> AdvCash or Perfect Money

Then, using the BestChange exchanger service - find the exchanger with the best rate for transferring from QIWI (rubles) to AdvCash (dollars / USD). You can also watch QIWI on Perfect Money. Of course, the course "jumps", but on the whole it is very profitable.

Note: we are changing QIWI to AdvCash (Perfect Money) due to the fact that many cryptocurrency exchanges cooperate with them (and they have much lower commission for withdrawal / replenishment).

For example, today the exchange rate of the ruble against the dollar by the Central Bank is 57,6... Exchangers offer to exchange by 58,1273... If we estimate and calculate the difference, it turns out commission about 0.9%... Change ...

Exchange QIWI RUB to Advanced Cash USD - where is the best exchange rate

❸ AdvCash -> to the Yobit (or EXMO) exchange

👉 I wrote about the best exchanges here ...

There are two Russian-language exchanges with low commissions for deposits and withdrawals of rubles / dollars:

YoBIT - there are a lot of cryptocurrencies (several hundred), Russian and friendly interface, help in chat, etc. In general, the most important thing: replenishment with AdvCash, Perfect Money goes without commission! (with QIWI 4-5% on average (note: constantly changing)).
EXMO is almost the same exchange, only here the commissions are slightly higher, and there are not so many cryptocurrencies (but there is active trading for each pair).

Recommend try //yobit.io/... Go to the "Balances" section, click on USD - top-up (plus), and top-up without commission!

YoBit.Net - commission-free replenishment

❹ YoBit.Net -> Bitcoins (or any other cryptocurrency)

Now you can buy any cryptocurrency at the exchange price (note: the price is constantly changing in real time! Many people do not immediately understand this point).

In order to see the list of offers for sale, you need:

click in the lower left menu on the "USD" tab and select "BTC" (this is for buying Bitcoins for dollars);
then you will see a list of sell orders: with the best price displayed at the top;
by choosing one of the orders, you can buy Bitcoin using it (exchange commission is only 0.2%).

YoBit.Net - how to buy Bitcoin (BTC)

In general, we managed to buy Bitcoin with a commission of about 1.1% (0.2% is the exchange commission, and 0.9% when exchanging QIWI for AdvCash).

Now you can withdraw it from the exchange: to do this, open "Balances" , and click on "minus" opposite your Bitcoin (BTC) wallet. Next, indicate the address of the transfer (in general, everything is standard).

Summary: I want to say right away that the commission is a commission, but the price of Bitcoin is different on different exchanges! And, perhaps, it is much more profitable somewhere to give a commission of 5% there, but due to the lower price of the cryptocurrency itself - to buy it more.

In general, the price of a cryptocurrency is very volatile (it is not uncommon for it to jump ± 100% or more in one day). Moreover, on different exchanges at the same time, prices can differ by 5-10% (and more)!

For example, it is not uncommon when on Asian exchanges the price is, say, $ 16,700 for 1 Bitcoin, and on the US exchange - $ 14,500. Such is the catch ... 👀

Method number 3. With the help of exchangers. BestChange and LocalBitcoins. Commission 1% ÷ 10% +

If the first methods seemed too confusing to you (after all, 2 payment systems participate in the chain ...), then there are simpler options: use exchangers, where you can change (in my opinion) any currencies for any ...

True, I want to note a couple of points at once: as a rule, the cryptocurrency rate in exchangers is higher than on exchanges by 5-10% and higher (although there are exceptions); not all exchangers will immediately transfer cryptocurrency to your wallet - the transfer from the exchanger may take a day or two (for various reasons, for example, for security purposes).

👉 Option number 1

Exchanger monitoring: BestChange

As already recommended above, use BestChange (one of the best monitors of exchange rates), and find the most profitable rate for exchanging money from Visa / MasterCard Rub to Bitcoin (BTC). Or, try the same QIWI on BTC (since QIWI is replenished with a bank card without a commission from 3000 rubles).

Further, if the rate suits you, make an exchange (the exchange process itself depends on the specific exchanger, it is hardly possible to give step-by-step instructions here).

Transfer from Visa MasterCard RUB to Bitcoin (BTC) - where is the best exchange rate

👉 Option number 2

Using the exchange //localbitcoins.net/, you can exchange rubles of any popular bank (Sberbank, VTB, Alfa-Bank, etc.), QIWI, WebMoney, etc. for Bitcoins.

Generally, despite the fact localbitcoins is considered an exchange - I would classify the service as an exchanger, P2P services for exchanging from hand to hand (in terms of its work, this is exactly what it resembles). Those. the service itself guarantees the safety of the transaction, and you yourself exchange rubles for Bitcoins with one of the participants (as you agree with him - so it will be 👌).

From the pros: Bitcoins, after your application, are blocked by the exchange, if you pay for the application, the exchange will transfer them to you, if you don’t pay, it will return them to the seller (the risks are minimal).

Many payment options (as mentioned above, any banks). Bitcoins instantly go to your wallet after confirmation of both parties to the transaction.

How it works...

First go to the site (link above). Enter the amount in rubles for which you want to buy Bitcoins, press "Search". The system finds the best rates for your entered amount.

Look carefully not only at the price, but also at the payment method - there are a variety of options here.

Find Bitcoin Trade Ads

After you select the option that suits you (a suitable seller and payment system), you will see a window in which you can see the detailed terms of the transaction, the seller's rating, and look through the reviews.

Further, if you agree with everything (with the terms of the transaction) - specify the amount and press "Send a request for a deal" (if the seller is ready to accept different payment options, write to him in the chat the specific option you need).

After that: the seller will tell you the details for payment. You pay, press the button "I paid" and wait for the confirmation of the second participant.

After he confirmed - Bitcoins come to your wallet almost instantly. As a rule, when working with experienced sellers, the transaction is completed in 5-10 minutes.

Buy bitcoins using QIWI from a user

From the wallet, you can immediately send Bitcoins wherever you need (or you can leave them on the exchange). LocalBitcoins is a fairly secure exchange, and there is a high level of security.

LocalBitcoins.com: the fastest and easiest way to buy and sell bitcoins (withdrawal from the wallet)

Method number 4. Via WebMoney: commission 2% ÷ 6%

Well, the last method, which also appeals to me, is to use the WebMoney payment system. In general, in fact, they have their own exchange for buying / selling cryptocurrencies (although at the moment there are only three cryptocurrencies: Bitcoin, Bitcoin Cash, Litecoin).

Of the advantages: high security of the system (WebMoney has been working for 20 years, and security has always been at the highest level! Even many banks have appeared and disappeared into oblivion during this time, but WebMoney is working!).

In addition, if you do not plan to withdraw Bitcoins from the system, you will not need to bother with Bitcoin wallets (you can store it right there on your WebMoney wallet). I will also add that the exchange on the exchange is completely under the control of WebMoney - i.e. no personal chat with the participant, like the previous exchange.

And one more thing: you can replenish your WebMoney wallet with a ruble card without commission (at least for now 😉)!

And so what needs to be done ...

1) Register in the system (this is a bit long, but security requires it). You only need to indicate your correct real data, check everything 2-3 times (otherwise there is a risk of problems with confirmation (if such is required after))!

The official website of WebMoney - //www.webmoney.ru/

2) Next, top up your wallet using your card. You can take the link from the main page of the official site, you can use this one: //c2c.web.money/

Instant replenishment of WMR wallet

3) Then go to the official WebMoney exchange: //wm.exchanger.ru/asp/wmlist.asp

There you can change any currency for any. One point: on WebMoney 1 Bitcoin (i.e. 1 BTC) = 1000 WMX (WMX is an internal wallet in WebMoney).

The rate, on average, is 2 ÷ 5% higher than on large exchanges (however, it also "jumps" here).

Automatic exchange WebMoney

By the way, purchased Bitcoins in WebMoney can also be withdrawn outside the system (for example, to another exchange to buy various cryptocurrencies). For this they have a special service: //wmx.wmtransfer.com/