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 20 confirmations of the transaction by the Toncoin TON 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 10 minutes, but sometimes applications can take up to 30-60 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.
TONCOIN TON
Min: 12.00
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Max: 5555.00
Raiffeisen RUB
Rate: 1: 172.20420113
Reserve: 9029169.27
Raiffeisen Bank is convenient for everyday transfers in rubles: many users have SBP (the Faster Payments System) connected, limits are clear, and the app isn’t overloaded. If you hold TON and want to receive fiat to your card, the chain “TON wallet → exchange service → Raiffeisen card” usually works without extra paperwork. A major advantage of the TON network is cheap and fast transactions, which lowers anxiety when you’re sending coins to an exchange address for the first time.
1) Instant exchange service
When to use: you need it fast and without registering on an exchange. The flow is: choose TON → RUB (payout to Raiffeisen card), see the final amount “to receive,” send coins to the service’s address, get the credit via SBP/to the card. This is the shortest click-path if speed matters more than squeezing every last percent out of the rate.What to check: minimum amount, the final “to receive,” whether there’s a separate payout fee, and the processing time for requests.
2) P2P with escrow
When to use: you want a rate closer to the market and don’t mind spending a bit more time checking the counterparty. Filter listings by payment method (Raiffeisen/SBP), amount, and the seller’s/buyer’s rating. The platform locks the crypto until the receiving of funds is confirmed.What to check: rating, number of completed deals, terms and payment window, required comments for the ruble transfer (sometimes “no comment” is required).
3) Exchange (spot/conversion)
When to use: you already have a verified account and are comfortable with orders. The scenario: deposit TON to the exchange, sell (directly for RUB or via a stablecoin), then withdraw rubles to your Raiffeisen card.What to check: trading and withdrawal fees, availability of RUB→card withdrawals, daily withdrawal limits, and possible checks on large amounts.
Check your wallet. Update the app (Tonkeeper / Tonhub / Telegram wallet), enable biometrics/PIN, and make sure your seed phrase is stored offline.
Run a “test penny.” Send a small amount to the chosen service and wait for the credit to your card. This verifies the address, memo/comment, and speed.
Verify limits. Check the service’s constraints and your card/SBP incoming limits so you don’t hit a ceiling mid-deal.
Calculate the “to receive.” The final figure matters more than a “pretty rate” in the header. Some platforms take a fixed fee + %, which changes the picture.
Prepare a plan B. If direct TON→RUB isn’t favorable, it can be rational to do TON→stablecoin→RUB and withdraw rubles via the same route.
Request. Choose TON → RUB (Raiffeisen). Enter the amount of TON or the desired “to receive” amount in rubles.
Details. Enter your Raiffeisen card number. SBP will often auto-pull the recipient’s name — that’s a normal check.
Coin transfer. Copy the address and (if required) the comment/memo. Send from your wallet — that’s your TON transfer.
Confirmation. The service tracks the transaction on the TON network. It’s usually fast, but the timing depends on the service’s own regulations.
Crediting. Rubles arrive on your card. Compare the “to receive” figure with what actually hit, and save a receipt/screenshot.
Why this order is convenient: you always know where you are — “coins sent / request in progress / rubles credited.” That lowers anxiety and helps if you need to talk to support.
P2P isn’t scary if you follow a checklist.
Immediately skip listings with “too good to be true” rates from accounts with zero history.
Check the payment window: if you can’t send payment immediately after confirmation, pick listings with a longer window.
Always follow the platform’s rules and send funds exactly as the listing requires (including “no comment” if that’s specified).
Don’t rush to close the order before the money arrives. Escrow is your insurance; essentially, it keeps your TON transfer in a safe zone until you confirm crediting.
Exchange: safe routine for those who already trade
If you’re used to an exchange interface, it looks like this:
Generate a TON deposit address, make a small TON transfer as a test, then send the main amount.
Sell TON: either directly for rubles (if there’s a spot pair) or via a stablecoin (USDT/USDC) — in the latter case, part of the fee “hides” in spreads, factor that into your math.
Request a RUB withdrawal to your Raiffeisen card. Fill in details carefully; for your first withdrawal, don’t go “all in” — test speed and fees on a small amount.
If you plan frequent operations, check how KYC levels affect limits: one extra verification step can remove some caps and speed up checks.
Security and compliance
Addresses and memos. In TON it’s easy to send to an “almost right” address. Always check the first/last characters and whether a memo/comment is required.
Comments on ruble payments. If the service asks for “no comment,” do exactly that. Extra words can sometimes trigger questions from payment systems.
Splitting amounts. Large operations are more comfortable in parts: it helps you stay within limits and reduces the risk of delays.
Record-keeping. Keep screenshots/receipt numbers: if support is ever needed, you’ll save yourself time.
Taxes and compliance. For meaningful sums, plan in advance how you’ll declare income. A quick consult with a pro is a way to sleep better.
Common mistakes and how to avoid them
Chasing the “perfect” rate at any cost. Saving 0.3–0.7% often isn’t worth risking a deal with a brand-new account.
Skipping the test send. A tiny “trial run” saves big nerves.
Ignoring card/SBP limits. Before a large exchange, glance at Raiffeisen’s terms — sudden “walls” are no fun.
Wrong network/address. If the service clearly says “TON only,” don’t send to other networks’ addresses — there won’t be refunds.
Delays aren’t always an emergency. Every service has a processing policy. If a request is 10–20 minutes late, calmly ping support and include the transaction ID.
Bottom line on choosing a route
I want it “now and simple.” Use an instant exchange service explicitly offering TON → rubles with payout to a Raiffeisen card. That’s the shortest answer to “how to withdraw TON to a card.”
I want a better rate. Look at P2P listings from counterparties with solid history. Risk is lower if you strictly follow the platform’s rules.
I already have an exchange account. Use the exchange: familiar interface, transparent fees, and a clear history of operations.
Two micro-cases from real life
Case 1. Need the money “by this evening.”A user sells coins via an instant service: entered the amount, sent the transfer, received credit via SBP to a Raiffeisen card. Rate loss was minimal, and the process took just minutes.
Case 2. Want to exchange a large sum carefully.The user split the amount into several tranches, compared rates on two P2P platforms, and chose sellers with high ratings. Each deal was closed per instructions, with screenshots saved. The result — noticeably better than instant-service rates with a calm pace.
Important little things that are easy to forget
TON fees are low, but they exist — don’t zero out your wallet; leave enough for network fees.
If you plan regular operations, set up templates for details and tags in your personal tracking system — you’ll thank yourself later.
If you work from a mobile wallet, disable autocorrect in notes: sometimes it “fixes” an address or comment — and that gets expensive.
You chose a route (exchange service / P2P / exchange).
You checked service and card limits.
You calculated the final “to receive” including all fees.
You made a test transfer.
You saved the transaction confirmation and the credit receipt.
Btcchange24 and other routes
If you use multi-currency services, take a look at the Btcchange24 Bitcoin Exchanger — platforms like this often support TON routes and classic fiat pairs. Consider other options that might be useful:
Bitcoin → Raiffeisen Bank — for BTC holders.
USDT → SBP (RUB) — a quick cash-out from a stablecoin.
TON → Sberbank — convenient if Sberbank is your primary card.
Bitcoin → Tinkoff (RUB) — if you have multiple bank cards.
USDT → Raiffeisen Bank (RUB) — an alternative to a direct TON route: TON → USDT → RUB.
Useful official resources
TON: https://ton.org
Telegram Wallet: https://wallet.tg
Final summary
The “TON — Raiffeisen Bank” scenario is solved today by three normal paths: an instant exchange service, P2P with escrow, or an exchange with withdrawal to your card. Don’t chase the “ideal” rate on paper — aim for a predictable result to your card within a reasonable time. Double-check addresses, be careful with comments on ruble payments, don’t hesitate to make a test payment and to split large amounts. Then the question “how to withdraw TON to rubles” (as well as “how to exchange TON to rubles” or “how to sell TON”) becomes a routine action you’ll feel calm about: a couple of clicks — and the money is already on your card.
