When transferring money to a card via the SBP, it gets converted into dollars or euros. This is done not at the official exchange rate, but at an internal rate that is about 10% higher. For example, at the beginning of November, the euro exchange rate was around 93 rubles according to the Central Bank, while the internal exchange rate used for the conversion was 102 rubles. Overall, this isn't critical, but I would like to explore alternative ways to top up, possibly with lower fees. I have no other complaints. The service is excellent; it allows for payments abroad where Russian cards are not accepted. It's a wonderful payment method for those who do not have a foreign bank card. The service integrates with Google Pay, allowing payments via phone, similar to Mir Pay. Payments are processed quickly and without issues.
