How to top up a Bitcoin wallet without commission

Everyone who is interested in investment investments wants to have cryptocurrency assets in their portfolio. And Bitcoin is the best option for these purposes. In this article we will look at how you can join the ranks of advanced investors of our time and safely buy Bitcoin through a Sberbank card in Russia.

Unfortunately, today it is impossible to purchase digital coins directly through Sberbank Online, but we will tell you about the five most convenient and optimal ways:

through crypto exchanges;
through web exchangers;
using the LocalBitcoins service;
in Webmoney wallets;
via the BTC Banker bot.

Briefly about the Bitcoin wallet

Everyone is familiar with the concepts of Bitcoin and blockchain, but not everyone still knows what a Bitcoin wallet is and how digital coins can be used in general? A Bitcoin wallet is a kind of storage for tokens. It can be single-currency or multi-currency, that is, it works only with one cryptocurrency or supports other coins.

Source: finance.yahoo.com

Each wallet has an address consisting of Latin letters and numbers. The first wallet is short - this is a public address that can be shown to other people. The second address is a secret or private key that allows access to assets, so it must be kept in a safe place.

The public key consists of 34 characters - here is an example: 1N2fzBApPMJDm7eGU9YtYUVys5fCWAXoHP. The second key is longer and may look like this: 5JCGEtpU7JMaszq9DbqNX9cЕq4P6tfdsMT63HgNM7VJyiR427Uq5

Pros of the Totalcoin platform

A very attractive picture and laconic positioning, when every word is to the point. The first impression this wallet creates does not deceive, but on the contrary inspires trust even more.

When you visit the Totalcoin service website, you will experience only positive emotions. There are reasons for this, let's list the advantages:

The functionality and design of the site are at a good level;
Convenient navigation. Working on the service is mastered fairly quickly;
Multilingual interface allows you to choose any language version: English, Russian, German or Spanish;
There is access to cryptocurrencies, the list of which is updated with new tokens;
It is possible to purchase Bitcoin for rubles through Sberbank, QIWI, Yandex;
The wallet knows when to sell and when to buy a coin, having current data;
It exchanges Bitcoin and other cryptocurrencies as quickly as possible and on good terms;
There are simple tools at your disposal to manage your portfolio;
You can store crypto assets in the Totalcoin multi-currency wallet;
This service guarantees security;
Technical support quickly helps solve problems;
As part of the affiliate program, you can earn money by promoting service products;
Always up to date with the news of the cryptocurrency market.

Main replenishment methods

There are many ways to top up Bitcoin wallets available to users in Russia. You can transfer finances both from electronic wallets such as Webmoney, Yandex or Qiwi, and from bank cards. There are also special terminals called iBox, which are becoming more and more common in the country every year.

When replenishing a BTC wallet, a certain commission is always charged, depending on several factors:

transfer amount;
the terms of the payment system you use;
terms and conditions of the asset transfer service.

On average, commissions range from 2 to 5 percent, and sometimes reach a record 10 percent. Typically, the smaller the transaction amount, the more expensive the fee.

Recently, Telegram bots have been gaining popularity, allowing you to buy Bitcoin. The most popular option is t.me/Chatex_bot. To conduct a transaction, do the following:

Follow the provided link.
Open the application in Telegram.
Click on the “Launch” button.
Choose language.
Register.
Select the exchange direction and complete the transaction.

The essence of the bot is that some participants create advertisements for purchase, and others for sale. Once the bids are matched, the deal goes through.

Telegram bot screen

Pros:

ease of use;
high transaction speed;
multicurrency;
fraud protection;
a large selection of replenishment methods.

Minuses:

scammers;
the need to create a profile in Telegram.

How to load funds to a Bitcoin wallet through the terminal?

First, let's decide how to transfer money to a Bitcoin wallet from the terminal. This option is not available to everyone, since not every Russian city has such machines. They are mainly found in large cities, and they began to spread from Ukraine. If you decide to use the iBox terminal, you need to do the following:

We approach the terminal and select the btcubiz function.
Enter your phone number and transaction amount.
Print out the receipt (you need to save it).
We go to the website, select the “Purchase” item and find there “For cash at the terminal”.
The receipt has an activation code that must be entered in the appropriate field.
We confirm the operation with the “Pay” button, check the data and make a transfer.
All you have to do is enter your wallet details and click “Pay.”

This is a fairly simple way to transfer money to a Bitcoin wallet, although it is not available in all Russian cities.

Totalcoin Affiliate Program

Fortunately, any Totalcoin user can promote the products of this service among their audience and get paid for it.

The site already has ready-made marketing solutions, which facilitates effective promotion. To access all tools, you must register as a marketing partner in your region.

So, the terms of the affiliate program:

Payments every day;
Rewards are credited only after a closed transaction;
Spam mailing is prohibited;
It is allowed to use only direct links to Totalcoin products;
The calculation of the reward received is based on the income of the Totalcoin platform from the invited user.

If you violate the terms of the affiliate program, Totalcoin reserves the right to terminate the affiliate program with any affiliate at any time.

Replenishment with Webmoney

Source: youtube.com
Users of Webmoney electronic wallets also have the opportunity to transfer funds directly to their Bitcoin wallets, avoiding online exchangers. To do this, you need to create a WMX wallet in the application - it is created for digital coins. 1 WMX is equal to 0.001 BTC, that is, 1,000 WMX is exactly 1 BTC.

To transfer assets from Webmoney, you must first top up your WMX. This can be done through internal exchange (a small commission of 0.8% will be charged for the transfer). When you have the required amount in your wallet, you need to go to your Webmoney personal account and do the following:

Log in and go to the withdrawal section. You can simply follow the link https://wmx.wmtransfer.com/Home/Withdraw.
There are two fields to fill out on the page. The first indicates the transfer amount, and the second the wallet address.
Confirm the operation with the “Submit” button.
We go to the WebMoney Keeper program and pay the invoice that should have already arrived.

Immediately after this, the transaction will take place for some time. As soon as the procedure is completed, the funds will be credited to your Bitcoin wallet.

Direct deal

If you have the required amount in your account, you can buy BTC directly. To do this, it is enough to find the other party to the transaction, agree on the rate, timing, amount and carry out the transactions. To find a seller, you can use forums, social networks or dating.

Direct transaction to buy BTC

Advantages:

the opportunity to discuss a favorable exchange rate;
availability of replenishment through bank cards, the most popular EPS or other methods;
maximum speed.

Flaws:

difficulties in finding a second party;
the risk of not receiving funds due to fraud.

This method should be used as a last resort, when other options are not available, and you trust the person 100%. Otherwise, you may be left without cryptocurrency and without fiat money.

Replenishing a Bitcoin wallet from a Sberbank card or another bank

Source: kurs-bitcoina.ru
There is an option to top up Bitcoin wallets from cards of Sberbank or other banks, but for this you will have to use an online exchanger. You can choose the right one using the special Bestchange service, which is quite popular on the Internet. On the main page you need to select the exchange direction so that all suitable exchangers are displayed. As a rule, you can top up your Bitcoin wallet from cards of Privat24, Sberbank, Alfa-Bank, VTB24, Tinkoff and many others. The listed options are the most profitable due to the minimum commissions.

Having selected an exchange service with a suitable rate, you need to open the website, fill out the appropriate application and confirm the operation. The procedure may differ in different exchangers, but in general everything is always intuitive, even for beginners. Also, all such exchangers have technical support services that answer user questions.

After completing the application, an invoice will be issued for payment using a bank card. This must be done within a certain period of time - usually 1 day. You can do this online through your bank’s Personal Account. After payment at a certain time, the exchanger will transfer funds to the Bitcoin wallet.

Cryptomat

One of the ways to get Bitcoin at a favorable rate is to use a terminal (cryptomat). Just a few years ago in Russia there were several thousand such devices in different cities, but due to uncertainty in the legislation they began to be confiscated. In 2022, a new stage of implementation of such devices is planned in collaboration with Wallet Ru, so it cannot be completely ruled out.

The general algorithm of actions is as follows:

Depositing cash or card into a special slot.
Enter the amount to be converted.
Specifying Bitcoin wallet details.
Transaction confirmation.

Identification of the owner of an electronic wallet can take place through a QR scan, phone number, fingerprints or personal account. The size of the commission depends on the company that installs the equipment.

Image of a crypto machine

Advantages:

buying cryptocurrency with cash;
higher trust;
availability of a receipt confirming the transaction;
fast transaction.

Flaws:

presence of a commission;
a small number of crypto ATMs;
restriction on transaction options, for example, only purchase;
amount limits.

Credit card holders

You can also top up your Bitcoin wallet from a Sberbank credit card. But the owner must take into account the following nuances:

When debiting money from a credit card to replenish a virtual wallet, the operation will be performed as “quasi-cash”. It can be defined as a transfer, replenishment of an online wallet, payment for financial services, etc. But in any case, the operation will be equated to cash withdrawal and will charge a commission of at least 3%, but not less than 390 rubles.
There will be no grace period for the operation. Credit cards provide it only for payment of purchases. For any “quasi-cash” transactions, interest begins to accrue immediately. In fact, the amount of debt to the bank will grow every day.
Using borrowed funds for investment is not a good idea. Bitcoin can not only rise, but also fall. The debt to the bank is fixed in rubles and will not go anywhere. By investing borrowed funds in cryptocurrency, a person risks too much. This risk can only be justified for professionals.

Reverse transfer

It is impossible to directly transfer Bitcoin to a card from Sberbank. The largest bank in Russia works exclusively with fiat currencies (rubles, dollars, etc.). To send bitcoins to a Sberbank card, they will first have to be exchanged, that is, sold to other users of the payment system. There are usually no special problems with this.

Transferring and exchanging bitcoins to a Sberbank card is possible in the following ways:

Through direct sale. You will have to find a buyer, send him cryptocurrency by transfer to a Bitcoin wallet, and receive real rubles (less often, dollars, euros) from him on the card. But we must take into account that there are no less scammers among buyers than among private sellers.
Through exchange offices. Exchangers not only sell bitcoins, but also buy them back for other virtual, real money. To exchange cryptocurrency, you need to create an application, transfer the required amount from your Bitcoin wallet and wait for the money to be credited to your Sberbank card.
Through exchanges. On these resources you can sell Bitcoin to other users at the market rate. The received funds can be withdrawn from the exchange wallet in various ways. Sometimes they can be withdrawn to a Sberbank card.

The fastest way to withdraw money from a Bitcoin wallet is to use exchangers. But even in this case, you need to take a responsible approach to choosing an online resource for completing the transaction. Such sites are not controlled by government agencies, and a person will actually make all translations at his own peril and risk. It will be almost impossible to get money back from scammers in case of fraud.

Limits and commission

Bitcoin wallets do not set deposit limits. As for commissions, when using specialized services to replenish a Bitcoin wallet, it is worth considering that the system will withhold its own commission fee for completing the operation. Its size will depend on the chosen service and can reach up to 10%. That is why it is recommended to analyze the services before performing the operation and take into account not only the profitability of the exchange rate, but also the system commissions.

Bitcoin is gaining more and more popularity. In this regard, new methods are constantly being created and old methods of replenishing an electronic wallet and withdrawing virtual money are being improved. Having familiarized yourself with all the ways to replenish an electronic account in a Bitcoin wallet, you can safely assure that each currency holder will be able to find the best way for themselves based on their capabilities and preferences.