How to top up a UnionPay yuan card?

There are two main ways to top up a yuan card: through the RSHB bank app or through the RSHBbroker trading app. The first option is simple and instant: you buy yuan at the bank's internal rate, which is convenient to do right before a purchase. The rate here is higher than the exchange rate, but still more advantageous than using a ruble card.

The second way is through RSHBbroker — more complicated, but more profitable. You buy yuan at the exchange rate, which is lower, but there are nuances: purchases are made in lots (e.g., from 1000 yuan), transferring the currency to the card takes a couple of days, and the rate may change during this time. Opening a brokerage account is free and done online, but requires installing an additional app. Choose the method depending on your goals: for urgent expenses, topping up in the bank app is suitable; for savings, use the broker.

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