Exchange cash rubles to UnionPay card CNY

2 exchangers29 October at 16:51 Rating methodology

Direction summary: Both the best rate and the highest TrustScore belong to Coins Black: 0.07503153 UPCNY per 1 CASHRUB at TrustScore 81. The direction lists 2 offers in total. Refunds at Coins Black are described for 5 of 6 scenarios. On an AML block at Coins Black, the service decides each case, the recovery procedure is described in the terms. KYC at Coins Black is requested on a risk basis. There are no open disputes at Coins Black.

Max trust

Best rate

Refund: 5/6: Обменник возвращает деньги при неверной сумме/валюте/сети, задержке платежа, техническом сбое обменника, отмене до начала обработки и после AML-проверки. Удерживается до 30%.
AML check: case-by-case: «In certain cases, rather than a refund, an official escalation is made to the competent authorities / financial intelligence / law enforcement agencies.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, при оплате картой и по юрисдикции карты — потребуются паспорт / ID, видео с документом и фото карты. При отказе от KYC средства замораживаются.

SourceChecked on: October 29, 2026

Refund: 2/6: Обменник возвращает деньги при неверной сумме/валюте/сети и задержке платежа. По остальным случаям (при техническом сбое обменника, изменении курса и после AML-проверки) — на усмотрение сервиса. Удерживается до 10%. Возврат только после прохождения AML.
AML check: case-by-case: «return the funds to the user by canceling the exchange procedure, in accordance with the user agreement»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC запрашивается на основе AML-риска и при подозрении на мошенничество. Потребуются: паспорт / ID, селфи с документом, подтверждение адреса и видео с документом.

SourceChecked on: October 29, 2026

Coins Black

TrustScore 81

You will receive

0.075032 UPCNY

1 CASHRUB ≈ 0.0750

Min–max amount:300k — 8.6m CASHRUB

About exchanger

Exchanger conditions

Source

Checked on: October 29, 2026

Exchange rate comparison Cash RUB to UnionPay card CNY

Data is in sync with the list, updated: 29 October at 16:51

Exchange Cash RUB to UnionPay card CNY

Maximum

0.0750 UPCNY

Median

0.0729 UPCNY

Spread

5.9%

Difference at 0.01 CASHRUB

up to 0.000042 UPCNY

Muted — outside the limit for 0.01

ExchangerTrustScore 0.0708 UPCNYMedian 0.0729 UPCNY0.0750 UPCNYRate Loss

Exchanger, TrustScoreRate, Loss

Useful information about exchanging cash rubles to UnionPay card CNY

How to exchange cash rubles to UnionPay card CNY?

2 offers to exchange cash rubles to UnionPay card CNY. Both the best rate and the highest TrustScore belong to Coins Black: 13.33 RUB per 1 CNY (TrustScore 81 of 100, the Nadoswap reliability score based on reviews, refunds, KYC/AML and disputes). 1 of 2 process orders automatically, 1 manually.

Is verification required to exchange cash rubles to UnionPay card CNY?

None of the 2 exchangers has mandatory verification: under the exchanger rules, documents are requested only for suspicious operations. At 2, refusing to provide documents means frozen funds: Coins Black, Poteme. Without mandatory verification, the best rate is at Coins Black: 13.33 RUB per 1 CNY.

What are the minimum and maximum amounts for cash rubles to UnionPay card CNY?

From 300,000 RUB (≈ 22,509 CNY) at Coins Black. Maximum per order 10 M RUB (≈ 708,471 CNY) at Poteme.

What happens if the payment is blocked by AML?

2 of 2 describe the refund procedure after a block in their rules. Among them, the best rate is at Coins Black: 13.33 RUB per 1 CNY. At 2 the service decides.

Will I get my money back after a mistake?

A firm refund in 3 or more of 6 situations at 1 exchanger: Coins Black (5 of 6). Refund fee up to 30% at Coins Black. Among them, the best rate is at Coins Black: 13.33 RUB per 1 CNY.

Which exchanger is more reliable?

The highest TrustScore is at Coins Black (81), followed by Poteme (67). 2 of 2 have no open disputes, 2 have no negative reviews in 30 days. The rate at Coins Black is 13.33 RUB per 1 CNY.

How long does CASHRUB to UPCNY usually take?

For CASHRUB to UPCNY, the median payout time across 48 exchangers is 129 minutes. The fastest listed exchanger is Poteme, with an estimated completion time of 66 minutes.

Which CASHRUB to UPCNY exchanger has the best rate?

The best available CASHRUB to UPCNY rate is currently offered by Coins Black. The spread between the worst and best available rates is 1.8%, so comparing offers can affect the final UPCNY amount you receive.

Do I need KYC to swap CASHRUB to UPCNY?

For this CASHRUB to UPCNY direction, 48 of 48 exchangers are listed as not requiring KYC. That means all 48 available exchangers mark KYC as optional or not required in the provided data.

What happens if I send CASHRUB on the wrong network?

If you use the wrong payment route, details, or network-equivalent instructions for a CASHRUB to UPCNY exchange, the transaction may be delayed or require manual recovery. In this listing, 48 of 48 exchangers describe their AML recovery process, so you should contact the selected exchanger and follow its stated refund or recovery procedure. Data updated 29.10.2026 16:51 UTC.

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Best rate

Refund: 0/6: Обменник может вернуть деньги при неверной сумме/валюте/сети, задержке платежа, изменении курса, отмене до начала обработки и после AML-проверки, но решает сам в каждом случае. Удерживается до 5%. Возврат только после прохождения AML.
AML check: case-by-case: «Upon completion of the review, the Service has the right to:• Refund the funds.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, если источник средств не подтверждён — потребуется паспорт / ID, селфи с документом, источник средств (SoF) и видео с документом. При отказе от KYC средства замораживаются. При отказе — передача регулятору.

SourceChecked on: October 29, 2026

Refund: 1/6: Обменник возвращает деньги после AML-проверки. Удерживается до 5%.
AML check: case-by-case: «In the event of refusal to undergo verification or inability to complete the AML procedure, the funds shall be refunded.»Translated from the Russian version of the document
KYC: for large amounts: KYC на основе AML-риска, при подозрении на мошенничество, при превышении суммы, по юрисдикции карты, при повторных переводах — потребуется паспорт / ID, источник средств (SoF) и подтверждение адреса. При AML-проверке можно отказаться от верификации и всё равно получить возврат.

SourceChecked on: October 29, 2026

Refund: 0/6: Обменник может вернуть деньги после AML-проверки, но решает сам в каждом случае. Удерживается до 5%.
AML check: case-by-case: «Upon completion of the review, the Service has the right to:• Refund the funds.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, если источник средств не подтверждён — потребуется паспорт / ID, селфи с документом, источник средств (SoF) и видео с документом. Срок проверки до 30 дней. При отказе от KYC средства замораживаются; при отказе — передача регулятору.

SourceChecked on: October 29, 2026

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Max trust

Refund: 5/6: Обменник возвращает деньги при неверной сумме/валюте/сети, задержке платежа, техническом сбое обменника, отмене до начала обработки и после AML-проверки. Удерживается до 30%.
AML check: case-by-case: «In certain cases, rather than a refund, an official escalation is made to the competent authorities / financial intelligence / law enforcement agencies.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, при оплате картой и по юрисдикции карты — потребуются паспорт / ID, видео с документом и фото карты. При отказе от KYC средства замораживаются.

SourceChecked on: October 29, 2026

Refund: 2/6: Обменник возвращает деньги при отмене до начала обработки и после AML-проверки.
AML check: case-by-case: «Cyber.Money has the right to refuse a refund if the refund results in a violation of sanctions restrictions or legal requirements.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество и по юрисдикции карты — потребуется паспорт / ID, селфи с документом и источник средств (SoF). При отказе от KYC средства замораживаются.

SourceChecked on: October 29, 2026

Refund: 5/6: Обменник возвращает деньги при неверной сумме/валюте/сети, задержке платежа, техническом сбое обменника, изменении курса и отмене до начала обработки. Удерживается до 20%. Возврат только после прохождения AML.
AML check: case-by-case: «The Service shall carry out the Return of Assets or Unaccounted Funds to the Client only after the Client contacts the Service at its official email address; otherwise, the Service shall take no steps regarding the Return of Assets and Unaccounted Funds to the Client.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC проводится на основе AML-риска, при подозрении на мошенничество, при превышении суммы, по юрисдикции карты, при повторных и дроблении переводов. Потребуются: паспорт / ID, источник средств (SoF) и фото карты.

SourceChecked on: October 29, 2026