Disadvantages: transfers are only available to ruble cards (dollars and UAH are unavailable), but overall, it's not that critical. However, the exchange rate for locals is sometimes just terrible. For example, from one and a half thousand Yandex rubles, you will receive exactly one thousand regular ones on the card. It's clear that no one is forcing you to exchange, but reasonable rates should, in theory, be a sign of the competitiveness of such services. Shouldn't they?
