Best buy pay my bill: Best Buy Credit Card: How To Make a Payment

Miscellaneous

Best Buy Credit Card: How To Make a Payment

Credit Cards / Retail

6 min Read

By
Barb Nefer

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Sue Hwang / GOBankingRates

Best Buy opened its doors in 1966 as an electronics store called Sound of Music. The company changed its name to Best Buy in 1983 as it added home appliances and VCRs. Known for its warehouse-style stores and commission-free staff, Best Buy has more than 1,000 stores in the U.S. and Canada. To make payments for your purchases more convenient, Best Buy offers two credit card options.

Best Buy Credit Card Options and Rewards

Best Buy offers two credit card options issued by Citi®: a retail version that works only at Best Buy stores and a Visa-branded Best Buy credit card that’s accepted anywhere that accepts Visa. The My Best Buy credit card and the My Best Buy Visa card earn Best Buy Rewards — like 5% back on qualifying purchases — and come with flexible financing options.

How To Make a Best Buy Credit Card Payment

When it’s time to pay your My Best Buy credit card bill, you have several options — online, in a store, by phone, via text or by mail. Here are the details for each payment method.

How To Make a Best Buy Credit Card Payment Online

To pay your bill online, you’ll need to use your My Best Buy credit card login.

Paying Online

  1. Load the website. Visit the credit card registration page on Citi’s website.
  2. Register. Provide the credit card number, your name, the card’s security code and the last four digits of your Social Security number.
  3. Log in. Once registered, you can log in to your Best Buy account online with your user ID and password.
  4. Follow the prompts. Have your checking account number and your bank routing number handy. Then, follow the prompts to make the payment.
  5. Pay your account and create alerts. In addition to paying your account through the website, you can activate alerts and manage your account.

How To Make a Best Buy Credit Card Payment In-Store

To make a payment on your Best Buy credit card in a store, just head to the customer service desk and an employee can assist you. Make sure you have your account number and method of payment handy.

How To Make a Best Buy Credit Card Payment by Phone

Citi allows you to make a payment on your Best Buy credit card account by phone using its free, automated system at 888-574-1301. You’ll need to provide your checking account and bank routing number and have a valid check ready to complete the payment.

How To Make a Best Buy Credit Card Payment by Text

Another option is to pay by text. Note that your cellphone provider may charge you for sending and receiving texts. Here’s how to do it:

  1. Text PAY to 81964 from the device linked to your Best Buy account.
  2. You’ll have to verify your identity, then text the amount you want to pay and indicate the account you’re using to make the payment.

How To Make a Best Buy Credit Card Payment by Mail

To pay your Best Buy credit card by mail, you’ll need to send a check or money order along with your account number. The address you send it to depends on the type of card you have.

If you’re paying a My Best Buy credit card account, send the payment to:

My Best Buy Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007

OR

My Best Buy Credit Card Payments
PO Box 70601
Philadelphia, PA 19176-0601

To pay your My Best Buy Visa bill, send the payment to:

My Best Buy Visa Card Payments
P.O. Box 78009
Phoenix, AZ 85062-8009

OR

My Best Buy Visa Card Payments
PO Box 70601
Philadelphia, PA 19176-0601

If you’re making a late bill payment on either Best Buy credit card and want the payment to arrive the next day, use this address:

Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213

For My Best Buy credit card payments, address the envelope to My Best Buy Credit Card Overnight Delivery/Express Payment. For the Visa-branded account, address your payment to My Best Buy Visa Credit Card Overnight Delivery/Express Payments.

Takeaway

The bottom line is simple. The My Best Buy card is a compelling offering with enticing rewards. Moreover, when it’s time for cardholders to pay their bills, check their balances or otherwise manage their accounts, Citi makes the process simple with multiple options.

FAQ


Best Buy credit cards, like any other financial product, often inspire questions, so you shouldn’t be ashamed if you have a few of your own. Find the answers to some of the most common questions about these cards below.

  • Can I use my Best Buy credit card anywhere?
    • There are two different types of Best Buy credit cards. The first is the My Best Buy card, a retail credit card that cardholders can only use in Best Buy stores or when shopping Best Buy online. This option will not work everywhere.

    • The second option is the My Best Buy Rewards Visa card. Cardholders can use the My Best Buy Rewards Visa card anywhere Visa is accepted. Regardless of which card cardholders use and where they use it, they earn rewards with each swipe.

  • How do I check my Best Buy credit card balance?
    • You can check the balance on your Best Buy credit card in two ways:

    • 1. Check your balance online. Log in online to view your balance and manage your account.

    • 2. Check your balance over the phone. You can also call Citi customer service at 1-888-574-1301 to check your balance and manage your account.

  • Does the Best Buy credit card affect your credit score?
    • Citi pulls information from and reports credit card activity to the credit bureaus, so having the card will likely impact your credit score. Most new loans cause short-term declines in credit scores. However, they can increase your credit score when you use them properly.

Joshua Rodriguez contributed to the reporting for this article.

Information is accurate as of April 6, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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How the My Best Buy Credit Card Works: Benefits and Rewards

Table of Contents

Table of Contents

  • How the My Best Buy Credit Cards Work

  • Rewards and Benefits

  • Alternatives

  • Terms and Conditions

  • Who Should Consider This Card?

  • FAQs

  • The Bottom Line

Reviewed by

Khadija Khartit

Reviewed by
Khadija Khartit

Full Bio

Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. She has been an investor, entrepreneur, and advisor for more than 25 years. She is a FINRA Series 7, 63, and 66 license holder.

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Fact checked by

Vikki Velasquez

Fact checked by
Vikki Velasquez

Full Bio

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues and has also revised and edited educational materials for the Greater Richmond area.

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editorial policies

Best Buy (BBY) is a consumer electronics retail chain with more than 1,000 locations and approximately 100,000 employees located throughout the United States and Canada. Best Buy provides a variety of products through its national store network and online, including appliances, computers, cell phones, gaming systems, sound systems, hardware, software, and entertainment products.

Like many national retailers, Best Buy provides credit financing options for their customers that include credit cards. Best Buy offers both a store credit card and a co-branded, general-use Visa credit card to consumers that allow the choice of earning rewards or receiving special financing terms.

Key Takeaways

  • The My Best Buy Credit store card is issued by Citibank and can be used online or in store at Best Buy and its subsidiaries and gets 5% rewards at Best Buy.
  • The My Best Buy Visa card is a general-use credit card issued by Citibank that can be used anywhere and gets 5%–6% rewards on Best Buy purchases, 3% on gas purchases, 2% on grocery and dining purchases, and 1% on everything else.
  • You need fair credit or better to get approved for a My Best Buy store card. The better your credit, the more likely you are to be offered the My Best Buy Visa credit card.
  • As of February 2023, the annual percentage rate for the My Best Buy card was 30.74%.

How the My Best Buy Credit Cards Work

The My Best Buy credit cards can be applied for online or in a Best Buy store. While the My Best Buy Visa card can be used and earn rewards anywhere, the My Best Buy Credit store card can be used only in a Best Buy store or at BestBuy.com.

Like many store cards, the My Best Buy card offers rewards and benefits like promotional financing for purchases made through Best Buy. It offers the standard high annual percentage rate (APR) of most store credit cards and requires fair or better credit to be issued. The co-branded Visa version of the card also carries high interest rates unless promotional financing is used for larger purchases.

Rewards and Benefits

The main advantage of the My Best Buy credit card is that it offers 5% back in rewards to its cardholders.

The My Best Buy credit card also includes deferred interest promotional offers, meaning that you pay $0 in interest if your balance is paid in full by the end of the promotional period. However, if promotional financing is used, no rewards are earned on the amount financed.

Purchases of $299 and up are eligible for 12 months of no interest, provided that the item is paid in full within those 12 months. If it is not paid in full, interest is compounded from the date of purchase.

The terms and conditions published by the card’s issuer, Citibank, list other promotional financing, including:

  • 24 months of no interest (no specified minimum amount)
  • 36 months of no interest (no specified minimum amount)
  • No interest if paid in full by a specified date (no specified minimum amount)

If you are interested in making a large purchase, it may be possible to get one of these longer, unadvertised promotional deferred interest rates by speaking to a Best Buy employee or manager.

Important

Rewards can only be redeemed in the form of a rewards certificate, which can only be used at Best Buy or one of its subsidiaries.

Alternatives to the My Best Buy Credit Card

If you are considering getting a My Best Buy credit card to finance a large purchase at Best Buy, there are other cards that offer 0% APR promotional interest rates for longer terms, as well as 0% promotional interest rates with a cash-back bonus.

The U.S. Bank Visa Platinum offers a rate of 0% interest for 20 billing cycles (two months longer than Best Buy’s longest advertised period).

The Chase Freedom Unlimited credit card offers 0% APR for 15 months, $200 in cash-back bonus once you spend $500 in purchases within the first three months after account opening, and 1.5% cash back on everything. You can redeem your points through straight cash back or through the Chase Ultimate Rewards program.

The Capital One SavorOne Rewards credit card offers 0% APR for 15 months and a $200 cash-back bonus once you spend $500 in purchases within the first three months after account opening. And you earn 3% cash back on dining, entertainment, and grocery stores and 1% back on everything else.

My Best Buy Card vs. Alternatives
Card My Best Buy (financed) My Best Buy (not financed) U.S. Bank Platinum Chase Freedom Unlimited Capital One SavorOne
Rewards $0 $75 (rewards certificate redeemable only at Best Buy) $0 $222.50 (cash back or Ultimate Rewards) $215 (cash back)
APR 0% APR for 18 months  30.74% 0% APR for 20 billing cycles 0% APR for 15 months  0% APR for 15 months

For a $1,500 purchase made in a single day at Best Buy, these cards would earn rewards and charge interest as shown here. The My Best Buy card does not offer a rewards rate on anything using promotional financing, so both options are listed.

Terms and Conditions of the My Best Buy Credit Card 

Like any credit card, the My Best Buy credit card features terms and conditions that should be reviewed thoroughly. The terms and conditions include the APR, late payment fees, penalties, and other useful information. The following is updated information for the My Best Buy credit card as of July 2022:

  • APR: 30.74%
  • Late Payment Fee: up to $41 for consumers who fail to make the minimum payment by the due date
  • Grace Period: At least 25 days
  • Minimum Interest Charge: $2
  • Annual Fee: $0

Who Should Consider the My Best Buy Credit Card?

Individuals looking to make a significantly large purchase at Best Buy in a single day, to take advantage of the one-time 10% reward or the promotional 0% interest rate financing options, should consider a My Best Buy credit card. So should anyone who shops at Best Buy frequently enough that the higher rewards rate of a My Best Buy credit card (5%–6%), as opposed to a standard cash-back credit card of 1%–3%, is worth the hassle of rewards only being issued in the form of rewards certificates.

Like many store credit cards, Best Buy issues rewards this way to keep customers coming back in and spending money so that they can use their certificates. Individuals considering this credit card should carefully consider whether they will spend more than they mean to as a result of the rewards certificate system.

What Are the My Best Buy Cards’ Rates?

As of February 2023, the My Best Buy Credit store cards carried annual percentage rate (APR) interest charges with variable rates from 28.74% to 30.74% and fixed rates from 9% to 26.34%. My Best Buy Visa cards were issued with variable rates of 15.24% to 30.74% and non-variable rates from 9.99% to 20.24%.

What Is the Difference Between the My Best Buy Visa card and the My Best Buy Credit Store Card?

The My Best Buy Visa card can be used anywhere and earns rewards on purchases made anywhere. The My Best Buy Credit store card can be used only at Best Buy and only earns rewards on purchases made at Best Buy.

Where Can I Get the My Best Buy Credit Store Card?

You can get the My Best Buy Credit store card in store at Best Buy or online at BestBuy.com.

What Kind of Credit is Required for the My Best Buy Cards?

Fair or better credit is required to get approved for a My Best Buy Credit store card. The better your credit, the greater your odds of being approved for the My Best Buy Visa card.

The Bottom Line 

The My Best Buy Credit store card and the My Best Buy Visa card have the same high interest rates that most other store credit cards have. The rewards system is decent at 5% back but can be redeemed only as a rewards certificate at Best Buy, which makes it a less attractive card for the general consumer than a standard cash-back rewards system.

The My Best Buy card is a good choice if you are looking to finance a large purchase, such as redoing the appliances in your living room, or are someone who shops at Best Buy frequently enough that the 5% back at Best Buy is worth the inconvenience of the rewards certificate system.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our
editorial policy.

  1. Best Buy Corporate News and Information. “About Best Buy.”

  2. Best Buy. “My Best Buy® Credit Cards.”

  3. Best Buy. “Storewide Financing Details.”

  4. Citibank. “Terms and Conditions of Offer.”

  5. Best Buy. “My Best Buy® Terms.”

  6. U.S. Bank. “U.S. Bank Visa® Platinum Card.”

  7. JPMorgan Chase & Co., Chase Credit Cards. “Chase Freedom Unlimited® Credit Card.”

  8. Capital One. “SavorOne Rewards from Capital One.”

Connection to the Fast Payment System (SBP C2B) – payment by QR code

..”> Fast payment system – profitable for business, fast for the buyer

Fast payment system – a promising product on the acquiring market. This is an innovative system that is much more profitable and convenient than card acquiring. In this article, we will talk about how any individual (buyer, client) can pay for a product or service to a legal entity or entrepreneur using a QR code.

Regarding this type of card payments, such as Internet acquiring , 54-FZ is unambiguous: legal entities and entrepreneurs are required to use cash registers and send fiscal checks to the buyer’s e-mail or phone
when selling goods
or providing paid services. Otherwise, they face a fine. You can connect your website to the online cash register thanks to the GateLine payment gateway, which works in partnership with Orange Data and
Multicard online cash desk rental providers.

The Fast Payment System is a system developed by the Bank of Russia for transferring funds between citizens’ accounts by phone number, as well as for paying for goods and services using a QR code by transferring funds from an individual’s bank account to a legal entity’s current account or IP. Payments are made instantly at any time of the day and day of the week.

The payment service for legal entities in the Fast Payments System was created to speed up money transfers between parties and eliminate the shortcomings of alternative payment systems. To pay for purchases through SPB, the buyer does not need to use his bank card and know the details of the recipient. And most importantly, funds are transferred instantly. That is, the point of sale can receive money instantly after payment on any day of the week, including weekends and holidays. It is also worth noting that the commission through the fast payment system is less than that of similar services.

How the c2b fast payment system works

Transfer through the C2B fast payment system is carried out through a mobile banking application that the buyer must first install on his gadget. Note that in order to use the service, both parties must be members of the SPB. In other words, the bank of the buyer – an individual and the bank of the trade and service enterprise must connect to the fast payment system. And a trading enterprise, in turn, must have a current account with a bank participating in the SBP and organize the necessary information interaction for generating QR codes through the SBP with displaying them to customers in an online store, at a point of sale or on social networks. A QR code in SPB is an encrypted graphic image containing the necessary payment information.

Payment for services or goods is carried out by the buyer through the application of the bank. To do this, you need to scan the QR code through the application or go to the banking application using the link attached to the QR code, with automatic redirection to the banking application, displaying the purchase amount and payment purpose.

When making c2b payments via a QR code, the bank’s application allows the buyer to select a specific personal account in his bank, from which money is debited upon confirmation of payment for a service or product. Transaction time does not exceed 15 seconds. With the further development of the SBP for merchants, it is possible to organize the registration of a subscription for automatic debiting of the purchase amount from the customer’s account.

Recently, for payment by QR code, in addition to the banking applications of the SBP participants, a mobile application of the NSPK – SBPey has appeared, designed to pay for goods and services in retail stores and on the Internet using all payment methods supported in the SBP (QR code, button on the site, etc.) with the choice of the bank the client needs.

Thus, the system of fast payments for business works in several stages:

  • Generation and display to the buyer of a QR code for a certain amount to the address of a specific trade and service enterprise (TSE)
  • Formation of a money order by the buyer using a mobile application to transfer funds from the buyer’s account to the settlement account of the TSP
  • Settlements between the sender’s bank (Client’s Bank) and the beneficiary’s bank (TSP Bank) with funds credited to the TSP’s current account.
  • Carrying out, if necessary, refunds from the settlement account of the merchant to the bank account of the buyer

At first glance, the scheme may seem too complicated, but all stages pass in a matter of seconds, even on holidays or when financial and credit organizations have non-working days.

Fast payment service – benefits for organizations and individual entrepreneurs

The fast payment system for trade and service enterprises provides a lot of advantages:

  • The commission through the fast payment system is much lower than when acquiring bank cards.
  • Continuity of work – crediting money from clients can be done at any time of the day and day of the week.
  • Fast – money is transferred to the merchant’s account within a few seconds, and in case of returns it is also quickly credited to the buyer’s account.
  • Flexibility – QR code can be displayed in an online store, printed on an invoice, displayed in a vending machine, sent to the payer by email, via SMS and instant messengers as a link, in social networks, etc.
  • Security – The UPS uses systems that meet modern information security standards.
  • Convenience for customers – everything is done quickly using a mobile phone, no need to present a bank card, no need to enter card details on the outlet’s website, you can quickly select your desired account for payment in different banks, when paying, you can always check the amount and recipient data, you can send a QR code to pay for your purchase to a friend, when returning funds, you do not have to wait long for the funds to be returned to the account, payment security.

What is the GATELINE service and what are its advantages for merchants? This is exactly what the GateLine service is designed for, which allows merchants in the form of a legal entity or individual entrepreneur to organize work with SBP QR codes, receive payment notifications, initiate online returns and attract customers who like to pay with SBP.

The GateLine service is a multifunctional payment gateway connected to various banks with a specially designed API interface and personal account for merchants. With the help of the GateLine service, the Merchant can organize in their online store the acceptance of payments by various payment instruments, including payment via SBP QR codes, choosing the bank that provided the Merchant with the best conditions.

Through GateLine, a QR code is generated in the SPB and transmitted to the merchant for display on their trading floor, or the merchant can receive a link to the GateLine payment form, to which the buyer must be transferred to make payment using the QR code. When a QR code is displayed on a mobile device, along with the QR code, a button is displayed, when clicked, the user automatically switches to the mobile application of his bank to confirm payment through SPB. After making a payment using a QR code, the GateLine service informs the buyer and the outlet about the status of the payment, and also provides full reporting on making payments through the SPB. Payment information is provided instantly within a few seconds.

In your GateLine personal account, you can check the registration of all QR codes, their status, as well as information about successful payments or returns using QR codes, generate the necessary reports and upload them to the merchant’s accounting trading system.

Using GateLine through the API or personal account of this service, you can make full or partial online refunds, which is very convenient, because. funds are instantly returned to the payer’s bank account.

The convenience of the GateLine service lies in the fact that, within the framework of a single integration, a merchant can connect not only payment by QR code, but also other payment instruments – bank cards, Sberbank services SberPay, Pay QR, GooglePay and ApplePay on favorable terms, choosing the right one acquiring bank.

When connecting to GateLine, our experts will provide you with the necessary assistance in building the most profitable customer service scheme, advise which acquiring bank to choose, provide integration services and support you around the clock when making payments.

How to connect GateLine

In order to start using our payment gateway, leave a request to our specialists on our website. We will contact you to discuss the details and prepare documents for connection.

Documents completed by the client are transferred to a financial institution that is a member of the fast payment system. After the bank makes a decision on cooperation, a merchant account is opened in it, if your organization does not have one in this bank, and a contract is concluded with our company. The GateLine service integrates with your point of sale and starts working.

How to open an account abroad? My trip to Kyrgyzstan for a Mastercard, and how to arrange everything remotely – Dmitry Pelipas on vc.

ru

38 173
views

I tell my story, with all the costs and show the result (+ video about the trip on YouTube).

The Belarusian version was immediately dismissed, because too unreliable due to possible sanctions on their country, after all, the card is needed for overseas spending, and not here. Kazakhstan swept aside itself, because they stopped registering citizens of the Russian Federation. Türkiye and other foreign countries are also too risky to get blocked.

At the same time, it was necessary to set up tailoring for wildberry, which was planned for autumn, so I decided to combine 2 things into one and fly to Bishkek right now.

In Kyrgyzstan (the locals don’t really like it when they say Kyrgyzstan), you don’t need to get an IIN like the Kazakhs, so everything is simpler here. All you need is a Russian passport.

For those who are too lazy to read – here is my video vlog about the trip.

Flight costs

I live in Saratov, of course we don’t have direct flights, most of the flights are made via Moscow.

Flight Moscow – Saratov 3000 rub.

Departure to Bishkek early in the morning, so you need to spend the night in Moscow (it’s about 3000r)

Flights to Central Asia from Moscow mainly go through the Zhukovsky airport, right in the middle of nowhere, without Aeroexpress. Either by taxi 1-2k or by car sharing.

Total, there and back, the Moscow part of the journey takes about 16k. If you are a Muscovite, then only a taxi/carshare.

Ural Airlines flew to Bishkek (one way 13k) total total cost for the road 42 000 rubles.

Bishkek

Walking around the city I was pleasantly surprised. The mold of a poor and dirty country was broken. Although the architecture is all old, but due to the abundant greenery around, it is comfortable to walk. The atmosphere is relaxed, no one is in a hurry, no gloomy faces met. everything is chill.

The Kyrgyz are quite friendly, open and hospitable people. They treat Russians well, they have sidelong glances, and I didn’t notice bulls anywhere.

Free Taxi. I went on business from Yandex for 150 rubles on average. Either Camry or Kia K5 or Sonata come 🙂

Everywhere they speak Russian, all signs are duplicated in Russian, there are no problems with this. Our 2gis works

You can pay with our cards both worldly and master

Ate in Navat teahouse. The prices are nice. For example, dinner with beer in the photo cost me 550 rubles. The portions are huge, I didn’t even finish it.

Hotel

Checked into the Bishkek Boutique Hotel for 3000 rubles / day, for a small room with a single bed. The hotel is nice, fresh with breakfast in the city center. In general, I liked it. VEFA shopping center is 500 meters away and all banks are within walking distance.

Simcard

Before going to the bank, you need to make a local SIM card. Banks do not open an account for Russian numbers.

It is better not to take a SIM card from the promoters at the airport, then you still need to register it at the operator’s office for a passport, otherwise it will burn out. Of the operators there are Beeline, MegaSom and Oh! Basically, anyone will do. The main thing – there is an eSim option – convenient, because. no need to re-plug cards for SMS notifications if you have an iPhone.

Change the tariff to “after the fact” so that there are no monthly subscription fees, throw 100 rubles so that the SIM card is always active. Once every 90 days, you need to make some kind of call so that the card does not burn out.

Bank

Unfortunately, it will not be possible to solve all cases in a couple of days (

The banking system of Kyrgyzstan is another fintech on fintech. In other words, a scoop.

I made cards in the Aiyl Bank. and most importantly, limits, suited me the most.More advanced banks have too childish limits and restrictions, or barriers for non-residents, unfortunately.

The accelerated issue of the card (for $7) instead of 3 days took 6 days. (Considering the weekend)

I made invoices not only for myself, 1 card was not delivered on time, was postponed to the next day.

It is very reckless to take a plane on the day of issuing a card, you risk flying without a card) therefore, lay down another +1 day.

Annual maintenance – $7. Minimum balance of $15 The card is made for 5 years.

I made myself 3 cards – a mastercard in dollars, euros, and 1 more elcard (peace) in soms (local currency).

An account can be opened using an internal passport of the Russian Federation, but it is better to be abroad, for the correct transliteration of the full name.

Naturally, there is a Russian-language mobile application. Not Tinkov, of course, but he performs his functions.

Replenishment

You can replenish your account instantly with a regular card transfer from Sberbank or Tinka, but the money comes to Elcart in Soms. (1 ruble = 1.2 soms) Further, in the application, we convert to dollars or euros.

The rate is not as profitable as through the exchange of tinkov, but if you need not much and quickly, then it will do.