This operation is performed manually.
Applications are processed during service business hours. Applications received outside of business hours are processed in the morning
The rate will be finally fixed after we receive 2 confirmations of the transaction by the Bitcoin network. Fixation is made depending on the deviation of the exchange rate in the application to the Exchange as a percentage. Deviations from the Exchange rate within the course of the course parser are possible within 1-2 minutes.
Deposit time: Usually, 97% of withdrawal payments are processed within 30 minutes, but sometimes applications can take up to 80-120 minutes to process. In rare cases, the transfer may take 72 hours due to the speed at which the recipient bank processes the payment. Sometimes a withdrawal for one application occurs in several transactions.
Bitcoin BTC
Min: 0.0009
-
Max: 0.105
MBANK KGS
Rate: 1: 9674813.39391653
Reserve: 93971949.17
The “Bitcoin — MBank” route is a practical way to turn a digital asset into ordinary money on an MBank card or account—and the reverse scenario of topping up your crypto wallet. In short, the task boils down to choosing a convenient bitcoin exchanger (or another channel), checking the rate, fees, and limits, executing the deal correctly, and receiving rubles to your card. In this article, I’ll break everything down step by step and add checklists and nuances where people most often lose money and time.
What the “Bitcoin — MBank” route actually means
In most cases, a user needs to:
withdraw bitcoin to rubles to an MBank card/account;
send rubles from MBank and buy BTC to their wallet.
The first option implies a bitcoin exchange via a third-party service, a P2P platform, or a direct BTC exchanger with payout to a card. The second is the reverse bitcoin exchange: you transfer rubles and receive coins to the specified address.
1) Classic exchange via a service.A reliable bitcoin cryptocurrency exchanger handles the settlement, confirmations, and crediting of funds to your MBank card. This is the clearest path for those who don’t want to dive into P2P intricacies and counterparty risk. In such interfaces you enter the amount, wallet address, and card details—and get a transparent route: “send X BTC — receive Y RUB to MBank.” In practice, you’re doing an exchange of BTC in one or two clicks.
2) P2P deals.An option for experienced users. You can find a better rate and essentially “exchange bitcoin” directly with another participant. But the risk control is entirely on you: checking the seller’s/buyer’s rating, the correctness of the receipt, and compliance with MBank’s rules. A P2P mistake can cost more than the winning rate.
3) Crypto exchange + withdrawal.First you sell coins on an exchange, then transfer to the bank. Often better on the rate, but more steps. Verification is required, and deposit/withdrawal and conversion fees can “eat” part of the benefit on smaller sums.
When you choose a bitcoin exchanger (or compare different bitcoin exchangers), pay attention to:
Final rate including all fees. Sometimes the on-screen rate is one thing, but due to the network fee the receipt shows another.
Speed: how fast RUB arrives at MBank. On average, deals take from a few minutes to an hour—depends on network load and the service’s SLA.
Limits and KYC. Large amounts almost always require identity verification. This is standard practice for a legal exchange of bitcoins into fiat.
Support and reputation. A reliable BTC exchanger has a clear policy, real customer support, and understandable rules for cancellations/re-payouts.
Payout method. MBank card, MBank account, sometimes SBP. Clarify which transfers are available right now.
Below is a universal flow suitable for most services (including a bitcoin exchanger and a BTC exchanger):
Prepare your wallet. Make sure you can access addresses, understand the network fee, and can send the required amount quickly.
Pick a service. Compare 2–3 platforms: rate, fee, limits, crediting time, and conditions for MBank cards.
Set the route. In the exchange form select “BTC → RUB” and specify the recipient as an MBank card/account. That’s your bitcoin-to-ruble exchange.
Check totals and details. Payout amount, recipient name, MBank card number—no mistakes.
Send BTC. The service will give you an address and exact amount. Transfer with the bitcoin exchange and network fee in mind so that the address receives the exact quoted amount.
Wait for confirmations. Usually 1–3 network confirmations are required.
Receive rubles. Funds arrive at MBank per the service’s timeline. Save the receipt/screenshot.
— verify the site’s domain and certificate;— never send BTC to “random” addresses from chats;— never share private keys under any circumstances;— confirm that MBank allows the specific transfer type (card-to-card, SBP, account).
Fees and rate: what forms the “real result”
The final amount isn’t just the “showcase rate.” It’s affected by:
Network fee (Bitcoin mining fee when sending).
Service fee (fixed or percentage).
Bank charges (rare, but possible for certain crediting types).
Spread between buy and sell (important if you’re doing back-and-forth moves).
In practice: for small sums, a service with a fixed fee and fast crediting is more convenient; for larger amounts, platforms with a narrow spread and personalized limits are more profitable. In any case, remember that an exchange of BTC is best calculated “in hand”: how many coins left and how many rubles landed on the MBank card.
Frequently asked questions
Can I exchange bitcoin anonymously?For tiny amounts, sometimes yes, but per compliance rules most reputable platforms will request KYC from a certain threshold. That protects you too.
How long does the transfer take?From a few minutes to an hour or more—depends on network load and the service’s rules. Ask about the SLA before you start.
What if I send the wrong amount?Contact the service’s support immediately. Decent platforms resolve this via an additional transfer or recalculation.
Which should I choose: service or P2P?If you’re new and time matters—use a service. If you’re experienced, have vetted counterparties, and want to squeeze the rate—P2P fits, but the risks are higher.
Risks and how to reduce them
Phishing. Never follow links from suspicious messages; check the SSL certificate and domain of the bitcoin exchanger.
Address substitution. Paste addresses manually and verify the first/last characters.
Funds freeze. Follow MBank’s rules: correct payment purpose, avoid “trigger” comments.
Unconfirmed transactions. Set an adequate network fee, especially during peak load.
Who should choose a “classic exchanger,” and when it beats P2P
If you value time and predictability—choose a bitcoin exchanger. There’s less manual work and better outcome predictability. Pros include: a clear final payout amount, support, and tidy paperwork. For advanced traders it makes sense to mix channels: part through a bitcoin exchanger, part via P2P when you have a strong contact list.
Plan your amount and deadline.
Compare 2–3 platforms and pick a BTC exchanger with the best terms for your sum.
Complete KYC in advance so you don’t miss deadlines.
Keep MBank details handy.
Track network confirmations and save receipts.
Protect personal data: redact screenshots, don’t expose addresses or wallet balances.
When it’s done right, to sell bitcoin is simple: you choose a BTC exchanger, enter details, send coins, and receive rubles to MBank. Formally, that’s a correct bitcoin exchange.
Why people often pick Btcchange24 for “Bitcoin — MBank”
Because the service has a tight focus: moving “crypto ↔ fiat” quickly and clearly. For the “Bitcoin — MBank” route, you need support for popular card crediting methods, a clear rate, and careful communication. It’s convenient when one interface offers a bitcoin exchanger, adjacent routes, and responsive support—this saves beginners hours and reduces operational risk for experienced users. If you prefer a “single-screen” interface, that’s especially critical, because the exchange of bitcoin should feel as simple as an internal bank transfer.
Takeaways
The “Bitcoin — MBank” route is about a careful bitcoin exchange that accounts for the rate, fees, limits, and MBank’s rules.
Beginners should opt for a classic bitcoin exchanger/bitcoin exchange service: fewer nuances and faster results.
Experienced users can mix tools, but security and KYC are not optional.
Before the deal, verify the net amount “in hand.” That’s the honest criterion for choosing a service.
Other Btcchange24 routes
If you need more than “Bitcoin — MBank,” check other popular routes at Btcchange24:
Bitcoin — MIR
Bitcoin — Sberbank
Bitcoin — Tinkoff
Bitcoin — SBP (Faster Payments System)
Bitcoin — Kaspi
Useful links and materials
Official protocol resource: bitcoin.org/ru
Basic financial literacy (Bank of Russia): cbr.ru/finprosvet
Digital hygiene and privacy: roskomsvoboda.org/privacy
Btcchange24: see routes and fees on the official Btcchange24 website (make sure you’re on the real domain, not a phishing copy).
