How to top up a UnionPay yuan card of Rosselkhozbank?

You can top up a UnionPay yuan card of Rosselkhozbank in two main ways: through the bank's mobile app or through the RSHB brokerage account. The choice depends on what is more important to you — speed or maximum benefit.

1. Online in the bank's app (fast and simple)

This is an instant operation. You simply exchange rubles for yuan at the bank's internal rate directly in the app. The rate here is higher than the exchange rate, but this method is still more profitable than paying directly with a ruble card. It is very convenient to use even right before a purchase, standing in line at a store.

2. Through the RSHB brokerage account (more profitable, but longer)

To do this, you need to open a brokerage account at RSHB (done online, it's free) and install the "RSHBbroker" app. Here you buy yuan at a more favorable exchange rate. However, there are nuances:

• The purchase occurs in lots (for example, in 1000 yuan at the best rate).
• Withdrawal of the purchased currency to the card account takes 1-2 days.
• During this time, the exchange rate may change, so the final benefit is not guaranteed.

Our advice: For everyday expenses during trips, use top-up through the bank's app — this is the optimal balance of benefit and convenience. The brokerage account is suitable for large planned expenses when you can buy currency in advance.

More nuances, personal experience, and comparison of final amounts can be found in our detailed article Choosing the right UnionPay card: rubles, yuan, dollars, or euros.

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