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    • Bank card in RUB

    Receive payments directly to your bank card in RUB via Smartcat. Below are all the relevant details specific to payouts in Russian rubles.

    Available Currency

    • RUB (Russian ruble)

      Please note that if the currency of your balance in Smartcat is different from RUB, then the funds will be converted to RUB using Smartcat's exchange rate.

    Commission / Fees

    A fee of 4% per transaction applies.The fee is automatically deducted from each payout. You can view a list of companies that are reimbursing your commission in the My Payouts section (click on the Learn more button on your payout method).

    Payout Limits & Constraints

    1. Minimum payout : 100 RUB Smartcat allows setting the minimum amount, starting from which the payment will be sent to you. You can learn more in the article " Minimum payout amount ".

    2. Maximum per single transaction : 99,000 RUB

    3. Monthly total cap : 250,000 RUB

    4. Number of transactions per calendar month : Up to 15 transactions

    Details Required for Receiving Payout

    To receive a payout in RUB to a bank card, you must provide the cardholder’s full name (first and last name) in Latin characters, along with the card number. The cardholder’s name must be specified even if you are adding an unnamed card.

    Once you submit your payment information, we will review it — this moderation process usually takes no more than two days.

    If your card does not pass moderation, you will receive an email at the address listed in your profile requesting additional information.

    Please note that the first and last name must match the one you specified in your profile. According to clause 4 (B) of the Smartcat Supplier Agreement, the information specified in the account must be complete and reliable, therefore we cannot make payments to a card in rubles that is not issued to you.

    Supported payment systems

    VISA, Mastercard, Maestro, Mir

    Troubleshooting / FAQ

    Q: I chose this method, but the payment was rejected. Why?

    There are a few possible reasons why your payment might have been rejected:

    • Incorrect card details — Double-check that your card number and name are entered correctly.

    • Inactive or expired card — Make sure your card is active and hasn’t expired.

    • Cards issued outside Russia — The payout method works only with cards issued in Russia.

    Q: How can I recognize a Smartcat payout on my bank card statement?

    Card statement text (descriptor) is controlled by card networks and your bank, so it may vary. To confirm a payout is from Smartcat:

    • Check your email: we notify you when a payout is sent, with the exact amount and currency;

    • Match that amount in your bank/card feed within 1–2 business days (some banks may take up to 5 business days).

    • If still unclear, ask your bank to locate a credit by date and amount (they can verify the source internally).

    Q: What should I do if the payment is listed as successfully sent in my personal account, but the funds have not been credited to the card?

    We recommend following these steps: 

    • Please make sure that you have linked the same card that you expect to receive funds to.

    • Check your card statement. You may not have received a credit notification, but the money was received on your card.

    • Contact our support team via support@smartcat.ai. Along with the request, we recommend that you send your card statement, which should clearly show your name and the last 4 digits of your card, and the date of the statement request should be from the date the payment was sent to the current date. Follow the advice of the support team.

    Q: I have funds in my balance and added a card as a payout method, but Smartcat did not send the payment, why?

    There may be several reasons:

    • Your payment deadline has not come up. We usually send funds within 5 business days after they are credited to your Smartcat account balance.

    • Your balance has not reached the minimum payout amount after which Smartcat can send you a payment. For more information please refer to this article.

    • Your card has not passed moderation.
      If your card does not pass moderation, we will send an email to the address in your profile asking for more information. Please check your email (including your Spam folder), we may be waiting for your reply in order to send the payment.