How to Send Money To Russia Legally In 2025

As of 2025, international money transfers to Russia remain a sensitive issue. Due to ongoing sanctions and restrictions on SWIFT and other banking systems, many traditional routes have become unavailable. However, legal options still exist — and this guide will walk you through the most reliable and practical ones.

If you need to send $3,000 or more to Russia, 1tab can help you do that fast, reliably, and with the lowest fee. Leave a request to our manager, and we’ll lead you through the process.

What’s the Legal Status of Sending Money to Russia

Sending money to Russia is not illegal in itself. However, many banks in the EU, the US, and other regions have blocked direct transfers to Russian banks. Compliance concerns, sanctions lists, and limited correspondent banks all create friction, even for private individuals.

Also, Visa and Mastercard disconnected Russian banks from their systems back in 2022. Since then, cards issued in Russia no longer work abroad — neither for payments nor for transfers.

As a result, services that used to support card-to-card transfers (such as via card number or payment link) are no longer functional for Russian cards in 2025.

Key Considerations:

• Avoid sanctioned banks or individuals. You can’t send funds to Russian entities on the OFAC/EU sanctions lists.

• Clearly state the purpose of the transfer. Most banks and services require it.

• Use regulated intermediaries to avoid “gray zone” methods that could be flagged.

Popular Legal Methods To Send Money To Russia in 2025

Cryptocurrency (with Legal Conversion to Rubles)

Cryptocurrency remains one of the most flexible tools for international money transfers — when used legally.

How it works:

1. You buy crypto — e.g., USDT, Bitcoin, or Ethereum — through a licensed exchange or via P2P.

2. You send the crypto to a recipient’s wallet in Russia.

3. They convert it to rubles using P2P platforms, local OTC services, or exchanges like BestChange-listed providers.

You are not paying in crypto — you are using it as a bridge to move money from country A to country B. This is legal if declared properly and doesn’t involve sanctioned parties.

1tab helps both sender and recipient buy and sell crypto for cash. We can help you buy cryptocurrency and advise on how to send it to your recipient, even if you have never used it before. Submit a request to contact our manager and get more info:

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Direct Bank Transfers via Friendly Countries

Some countries maintain partial financial ties with Russia, so you (or your recipient) can find someone in these countries to receive the transfer and then send it to Russia.

Banks in Armenia, Kazakhstan, Serbia, Georgia, Turkey, and the UAE may allow transfers to Russia via correspondent networks.

Transfers may take longer and be subject to additional KYC/AML checks.

You’ll need:

• Full recipient details (name, account, bank info).

• Justification for the payment (invoice, personal support, etc.).

• A patient attitude — transactions can take 3–7 days.

Money Transfer Services

Some non-Western services still allow legal ruble transfers — often from specific regions like the Caucasus, Central Asia, or Turkey. Limits and exchange rates vary:

• SendNOW allows you to send from $25 to $50,000 at once from any country to Russia. The fee is 3–10%.

• Unistream allows you to send money from Serbia to Russia with a €1 fee.

• KwikPay allows you to send money from Greece and Cyprus for free, but you must visit their office.

You can also use platforms for freelancers and remote workers:

• Mellow — accepts payments from foreign corporate clients in euros and dollars, with payouts in rubles. The service charges a 5% fee on the transaction amount.

• Stape — accepts payments from companies in fiat or cryptocurrency, with payouts in rubles or crypto. The sender’s fee is $50.

• EasyStart — accepts payments from companies (6% commission) and individuals (6–12%, depending on the payment method — bank transfer or card). Crypto transfers and withdrawals to Russian banks are available.

Bringing Cash into Russia

Aside from wire transfers, there’s also the most straightforward method — physically bringing foreign currency into Russia. Currently, there is no limit on the amount you can bring in, but if you’re carrying more than $10,000, you must declare it at customs. Otherwise, the funds may be confiscated.

For amounts over $100,000, you’ll need to prove the source of funds. This could include salary statements, service agreements, property or car sale contracts, or a bank statement if the funds were withdrawn from a deposit. The key requirement is to show that the money was earned legally.

What No Longer Works For Sending Money To Russia in 2025

If you’ve previously used services like PayPal, Wise, Payoneer, or Western Union to send money to Russia — those days are over.

Most mainstream financial platforms have either completely stopped servicing Russian clients or blocked outbound transfers to Russian banks altogether.

Platforms and wallets that no longer support transfers to Russia:

• PayPal — fully exited the Russian market.

• Wise — blocked all outbound transfers to Russia.

• Revolut — no longer processes Russian transactions.

• Payoneer — disabled ruble payouts and transfers.

• Paysend — stopped transfers to Russian cards.

• Skrill — ruble transfers disabled.

• Profee — operational in limited cases, but increasingly unreliable.

• Western Union — exited the Russian market entirely.

Even SWIFT bank transfers, which technically still work to some non-sanctioned Russian banks, are becoming more of a gamble: they can take weeks due to extra compliance checks, may be blocked midway by intermediary banks, or simply never reach the recipient, without a clear explanation or refund.

Bottom line: traditional routes are too risky, too slow, or completely closed. That’s why many individuals and businesses are turning to regulated crypto-based solutions — as they offer faster, borderless transfers without relying on fragile banking corridors.

How to Use Crypto Legally for Transfers To Russia

If you choose the crypto route, here’s how to stay within legal boundaries:

• Use a licensed provider to buy or sell crypto. For example, 1tab is licensed by the National Bank of Georgia for crypto-fiat operations.

• Always declare the source of funds if withdrawing large amounts (e.g., property sale, salary).

• Keep transaction records: wallet addresses, transfer IDs, and screenshots.

Sending money to Russia in 2025 requires more planning than before — but it is still possible.

Need help sending money legally via crypto? Leave a request below — we can help with crypto purchases, transfers, and cash-outs.

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