Exchange VTB RUB to Bank card NGN

4 exchangers26 October at 09:47 Rating methodology

Direction summary: The best rate is at ATM24: 15.4563546 CARDNGN per 1 TBRUB at TrustScore 0. TrustScore 71 at The Grail is higher, but its rate is 2.6% lower. The direction lists 4 offers in total. Refunds at The Grail are described for 2 of 6 scenarios, at ATM24 for 0 of 6. On an AML block at The Grail, the service decides each case, the recovery procedure is described in the terms. On an AML block at ATM24, funds are frozen until review, the recovery procedure is not described in the terms. KYC at The Grail is requested on a risk basis, at ATM24 it is requested on a risk basis. There are no open disputes at ATM24, there are no open disputes at The Grail.

Max trust

Refund: 2/6: Обменник возвращает деньги при техническом сбое обменника и после AML-проверки. По остальным случаям (при неверной сумме/валюте/сети и изменении курса) — на усмотрение сервиса. Удерживается до 10%. Возврат только после прохождения AML.
AML check: case-by-case: «If the Customer has not completed the KYC check within 30 calendar days after the blocking, the funds become the full property of the Contractor without the possibility of a refund.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC при оплате картой — потребуется паспорт / ID, селфи с документом, видео с документом и фото карты. При отказе от KYC средства замораживаются.

SourceChecked on: October 26, 2026

Best rate

Refund: 0/6: Обменник может вернуть деньги при изменении курса, но решает сам в каждом случае.
AML check: frozen: «In certain cases, funds may be temporarily frozen until the verification is completed.»Translated from the Russian version of the document

SourceChecked on: October 26, 2026

Refund: 1/6: Обменник возвращает деньги после AML-проверки. Возврат только после прохождения AML.
AML check: case-by-case: «In the event that, when funds are sent by the client, the exchange account of the exchange service is blocked due to risk controls arising from verification of the client's assets, the exchange service has the right to retain the funds until the custodial service account is fully unblocked.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC проводится на основе AML-риска. Потребуется: паспорт / ID, селфи с документом и видео с документом.

SourceChecked on: October 26, 2026

Refund: 4/6: Обменник возвращает деньги при неверной сумме/валюте/сети, задержке платежа, техническом сбое обменника и отмене до начала обработки. Удерживается до 15%.
AML check: frozen: «Applications submitted to AML and not verified after 6 months are also not considered and are non-refundable.»
KYC: funds frozen on refusal: KYC при подозрении на мошенничество, при оплате картой, по юрисдикции карты — потребуется видео с документом. При отказе от KYC средства замораживаются.

SourceChecked on: October 26, 2026

The Grail

TrustScore 71

You will receive

15.06 CARDNGN

1 TBRUB ≈ 15.06 Δ = -2.6%

Min–max amount:50k — 1.0m TBRUB

About exchanger

Exchanger conditions

Source

Checked on: October 26, 2026

Exchange rate comparison VTB RUB to Bank card NGN

Data is in sync with the list, updated: 26 October at 09:47

Exchange VTB RUB to Bank card NGN

Maximum

15.4564 CARDNGN

Median

15.3553 CARDNGN

Spread

2.6%

Difference at 0.01 TBRUB

up to 0.003984 CARDNGN

Muted — outside the limit for 0.01

ExchangerTrustScore 15.0580 CARDNGNMedian 15.3553 CARDNGN15.4564 CARDNGNRate Loss

Exchanger, TrustScoreRate, Loss

Useful information about exchanging VTB RUB to Bank card NGN

How to exchange VTB RUB to Bank card NGN?

4 offers to exchange VTB RUB to Bank card NGN. The best rate is at ATM24: 15.46 CARDNGN per 1 RUB (TrustScore: no data); the highest TrustScore is at The Grail (71), with a rate 2.6% worse. All 4 process orders manually.

Is verification required to exchange VTB RUB to Bank card NGN?

None of the 4 exchangers has mandatory verification: under the exchanger rules, documents are requested only for suspicious operations. At 3, refusing to provide documents means frozen funds: Moonlight Exchanger, BTC Change 24, The Grail. Without mandatory verification, the best rate is at ATM24: 15.46 CARDNGN per 1 RUB.

What are the minimum and maximum amounts for VTB RUB to Bank card NGN?

From 10,000 RUB (≈ 154,562 CARDNGN) at BTC Change 24. Half of them require no more than 30,000 RUB. Maximum per order 2 M RUB (≈ 30.9 M CARDNGN) at BTC Change 24.

What happens if the payment is blocked by AML?

2 of 4 describe the refund procedure after a block in their rules. Among them, the best rate is at Moonlight Exchanger: 15.25 CARDNGN per 1 RUB. At 2 the service decides. At 2 funds are frozen: BTC Change 24, ATM24.

Will I get my money back after a mistake?

A firm refund in 3 or more of 6 situations at 1 exchanger: BTC Change 24 (4 of 6). Refund fee up to 15% at BTC Change 24. Among them, the best rate is at BTC Change 24: 15.46 CARDNGN per 1 RUB.

Which exchanger is more reliable?

The highest TrustScore is at The Grail (71), followed by Moonlight Exchanger (68), BTC Change 24 (47). 4 of 4 have no open disputes, 4 have no negative reviews in 30 days. The rate at The Grail is 15.06 CARDNGN per 1 RUB. Data updated 26.10.2026 09:47 UTC.

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Refund: 2/6: Обменник возвращает деньги при техническом сбое обменника и после AML-проверки. По остальным случаям (при неверной сумме/валюте/сети и изменении курса) — на усмотрение сервиса. Удерживается до 10%. Возврат только после прохождения AML.
AML check: case-by-case: «If the Customer has not completed the KYC check within 30 calendar days after the blocking, the funds become the full property of the Contractor without the possibility of a refund.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC при оплате картой — потребуется паспорт / ID, селфи с документом, видео с документом и фото карты. При отказе от KYC средства замораживаются.

SourceChecked on: October 26, 2026

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 5%.
AML check: case-by-case: «If, based on the results of an automated check, the aggregate risk level exceeds 55% and is linked to the high-risk sources specified in clause 4.5 of this agreement, the transaction may be temporarily suspended for an additional review, which may include KYC verification and a decision on returning the funds to the user less the network fee.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, при превышении суммы, при повторных переводах — потребуется паспорт / ID, источник средств (SoF). При отказе от KYC средства замораживаются.

SourceChecked on: October 26, 2026

Refund: 1/6: Обменник возвращает деньги после AML-проверки. Возврат только после прохождения AML.
AML check: case-by-case: «In the event that, when funds are sent by the client, the exchange account of the exchange service is blocked due to risk controls arising from verification of the client's assets, the exchange service has the right to retain the funds until the custodial service account is fully unblocked.»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC проводится на основе AML-риска. Потребуется: паспорт / ID, селфи с документом и видео с документом.

SourceChecked on: October 26, 2026

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Ethereum (ETH) → VTB RUB

Best rate

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 26, 2026

Refund: 1/6: Обменник возвращает деньги при отмене до начала обработки. По остальным случаям (при задержке платежа и после AML-проверки) — на усмотрение сервиса. Возврат только после прохождения AML.
AML check: case-by-case: «return the funds after deducting the actual fees, if a refund is permissible;»Translated from the Russian version of the document
KYC: funds frozen on refusal: KYC на основе AML-риска, при подозрении на мошенничество, по юрисдикции карты и при дроблении переводов — потребуется паспорт / ID, селфи с документом, источник средств (SoF), подтверждение адреса и видео с документом. При отказе от KYC средства замораживаются.

SourceChecked on: October 26, 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: risk-based: 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 26, 2026