Exchange change at the bank. Where to exchange change for paper money

01.09.2020

Pockets full of small change, a purse swollen with coins, a children's piggy bank stuffed to the brim. Everyone faces an overabundance of metallic money from time to time. If coins have accumulated, how to get rid of them in Moscow in a civilized manner?

Photo: Portal Moscow 24/Vladimir Yarotsky

All in heaps

Bags with voiced coins can be taken to Sberbank. They will be exchanged for paper banknotes in all branches of the capital.

However, immediately bear the "capital" is not worth it. First you need to come in person and agree on the operation with a bank employee. Sberbank does not serve customers by phone. For the exchange of coins for banknotes, the bank will not take a commission.

Then you need to prepare for the delivery of money. Sort coins into piles at face value, calculate, write down the resulting amounts and decompose the coins of each denomination into separate packages. In addition to coins, Sberbank definitely needs grab a passport.

The dealer must know the amount that he intends to exchange, as the bank will ask to write an application about the operation. It must indicate the surname, initials, date of compilation, the amount of cash in numbers and words, the number and denomination of banknotes subject to exchange of coins ("Regulations on the procedure for conducting cash transactions and collecting banknotes and coins of the Bank of Russia in credit institutions in the territory of the Russian Federation. - Ed.).

Until recently, there were ATMs in some Sberbank branches that accepted change without sorting, counted, issued a check with a calculated amount, after which cashiers issued paper bills. For counting money, the ATM took a commission of 3%. Now they are not used in the capital offices of Sberbank.

money for money

Another way to exchange coins for banknotes in Moscow is to contact commercial Bank. However, this service is not provided by all banks.

As a rule, if a commercial bank has such a service, it provides it for Commission remuneration. For example, in Absolut Bank you can exchange metal coins for paper bills if you are going to change at least 100 rubles, a consultant told the Moscow 24 portal. One hundred coins will be accepted at any bank office and exchanged for large bills without commission, and if there are more coins, 10% of the amount will have to be paid for the operation.

The Moscow Credit Bank has the same opportunity, however, this can be done only in two branches: in Lukovoi Lane and on Tsvetnoy Boulevard. A commission of 2.5% of the amount will be taken for the operation, the consultant specified. As in Sberbank, they are asked to pre-sort the change by face value.

The Otkritie bank informed the Moscow 24 portal that the exchange of small change for paper banknotes is carried out without a commission, sorting is not required. You can make an operation in any branch where there are cash desks for individuals. But before going to the bank, it is better to check the availability of a cash desk on the bank's website or with the contact center operator.

All banks will ask show your passport.

special vehicle

In Moscow, a trifle can be handed over to special terminals Coincom.ru networks. They accept coins of any denomination - from one penny to 10 rubles. It is not necessary to pre-sort and count the coins; the brought change must simply be loaded into the specified compartment.

A representative of the network, in an interview with the Moscow 24 portal, said that each operation is charged 11.9% commission. In addition, paper banknotes will not be issued for metal money. The machine will offer you to choose one of two ways to transfer money: put it on your phone or on a card. If there are fewer coins than a thousand rubles, then only the first option will do. The money will arrive on the phone in about two hours, on the card - within three days.

There are 39 Coincom.ru offices in Moscow and the Moscow region. All of them are located in large shopping centers. There is only one such coin acceptor in the Central Administrative District of the capital: in the Auchan Troika shopping center on Verkhnyaya Krasnoselskaya Street.

Lossless

Money from a piggy bank can be taken to a pharmacy, post office, shops or a work canteen, where often missing the little things for exchange and delivery. Coins can be accepted with pleasure, or they can be refused - they have no obligations.

You can get rid of the little things by simply paying with it. It is accepted, for example, at the self-service checkouts of some stores.

Another option is to do a good deed and donate coins to charity. Donation boxes are available in many shops and chain cafes and restaurants.

In many Russian families, there is a tradition of separately folding change. And over time, there are too many coins, it becomes inconvenient to keep them at home and even more so to try to use them (carrying a mountain of little things with you is quite difficult). The owners of iron wealth are trying to take the coins to the bank, but not all financial institutions go forward and exchange iron money for banknotes.

Is it possible to hand over a change to Sberbank, almost every Russian uses the services of this financial institution. The Savings Bank operates in accordance with the regulations of Regulation No. 318 of the Central Bank of the Russian Federation and accepts coins from the population in order to exchange them for banknotes. But this procedure has its own nuances that everyone should be aware of.

Sberbank may not accept change for exchange, such a procedure occurs at the discretion of the employee

Features of exchanging coins for banknotes

It should be immediately clarified that there is no recorded procedure for replacing small change with paper money in Sberbank. That is, bank employees may refuse to conduct such an operation quite legally. This can happen due to the workload of the employee or the lack of special equipment for recalculating and checking funds.

The exchange of coins for banknotes in Sberbank is not provided as a mandatory operation. An employee of the Sberbank branch may refuse to accept change on legal grounds.

Knowing this, many citizens embark on a trick. In particular:

A trifle is credited to your existing account or card. In this case, the cashier cannot refuse and is forced to accept the coins.
They deposit iron money as a payment on a loan.
They issue instant release plastic and deposit a trifle into its account.

Before carrying coins to the bank, they must first be counted and packaged.

How to exchange coins in Sberbank

The question of whether it is possible to exchange small change for banknotes at Sberbank is often decided in favor of the client, because the leading Russian bank is interested in the well-being of its clients and is always attentive to their needs. This procedure is prescribed in the instructions of each Sberbank employee. An ordinary client can also get acquainted with it by studying the regulations published on the official portal. You need to know that the client will need some preliminary preparation of their coins for the exchange. Namely:

Spread the change at face value.
Count and compile an inventory (desirable). It is also better to pack the coins in separate bags / packages (in each bag you should put a trifle of the same denomination and add a note indicating the exact amount).
Pack carefully.
Prepare your passport. Without presenting this document, the exchange will not be made.

What coins does Sberbank accept for exchange?

Before sending to a bank branch, it is worth first probing the soil and finding out if this unit will definitely accept a client loaded with change. And it is advisable to coordinate your visit in advance so as not to waste time waiting and not to organize large queues behind you (manual counting of coins is a rather laborious process).

The exchange of small change for banknotes at Sberbank is subject to a commission. The client will have to pay commissions in the amount of 1.00-3.00%. Moreover, the bank will not exchange the amount of less than 100 rubles.

Some Sberbank branches are equipped with special terminals - devices designed to receive, check and count coins. In this case, the acceptance and further exchange of money will take place promptly and without refusal from the bank employees.

In addition to Sberbank, other banking organizations also exchange coins for banknotes.

Accepted Exchange Order

To hand over coins to Sberbank and receive banknotes instead, you need to know how the process itself takes place. This will make the task easier for both the client and the cashier. The procedure consists of the following steps:

The client makes an application in any form. In the application, it is necessary to indicate personal data, rewrite the denomination of the little things and specify the amount and denomination of the banknote that it is desirable to receive.
The cashier counts and rechecks the coins. Verifies customer data.
Then he signs the application and puts the seal of the bank on paper.
Then he gives the client the required amount in banknotes.

Terminals for coin exchange

In some Sberbank branches, self-service terminals for the exchange of iron money are successfully operating. This service is relatively new and is being implemented by Sberbank in order to expand its services to the population. This device has the following working principle:

The client pours the coins into a special compartment called a "coin acceptor".
The unit automatically recalculates and checks the received change.
Then the total amount of money, the size of the commission and the final figure of the amount of money to be issued appears on the monitor screen.
Banknotes are issued to the client, and a check is printed.

Terminals for the exchange of coins for paper banknotes operate only in a few branches of the Savings Bank of Moscow. But in the near future they plan to equip other regional divisions.

Terminals for receiving coins so far only work in Moscow

Such devices work very quickly. The installation of such terminals will significantly reduce queues and facilitate the work of cashiers, significantly improving the quality of service.

Where can I exchange coins for 10 and 50 kopecks

A trifle of this denomination is no different from other means of payment. Therefore, it is accepted under the same conditions as other coins. They are required to be accepted as payment by any organization of the Russian Federation, including banks for exchange. They can also pay for any banking services or put on an existing deposit.

Alternative methods of exchange

If you didn’t succeed in exchanging small things for banknotes at Sberbank, you should not despair. In addition to the bank, there are other ways to get rid of annoying coins.. For instance:

Go shopping. Preferably large shopping centers, where there are special terminals for paying for purchases. These devices also accept small change, so you can easily pay with them in this way.
Purchase goods for some of the little things and, when paying at a regular checkout, ask to exchange coins for banknotes. Cashiers sometimes willingly make such exchanges, because they constantly need change to give change. The same can be done in pharmacies, where coins are also in demand.
Pay a visit to the nearest post office. Many pensioners are accustomed to receiving their pensions at post offices, and workers are strictly ordered to give them their pensions down to the penny. Therefore, coins will be accepted there, of course, if there are not too many people. To do this, it is better to come for banknotes in the morning hours of the office, when there is no peak of people.

conclusions

It is worth remembering that it is not always possible to exchange small things for banknotes at a bank branch. Bank employees have every right to refuse such a service, so it is better to consult in advance and, if possible, arrange your visit in advance. The accumulated coins should be prepared in advance so that the exchange procedure does not drag on for a long time. And to know that in addition to banking institutions, there are other ways to exchange your annoying little things.

Photo: Portal Moscow 24/Vladimir Yarotsky

All in heaps

Bags with voiced coins can be taken to Sberbank. They will be exchanged for paper banknotes in all branches of the capital.

money for money

Another way to exchange coins for banknotes in Moscow is to contact commercial Bank. However, this service is not provided by all banks.

All banks will ask show your passport.

special vehicle

Lossless

You can get rid of the little things by simply paying with it. It is accepted, for example, at the self-service checkouts of some stores.

Another option is to do a good deed and donate coins to charity. Donation boxes are available in many shops and chain cafes and restaurants.

In our pockets and purses, sometimes quite a large amount of little things is collected, which we want to get rid of. But to do this is not always easy due to failures in retail outlets. Is it possible to exchange coins for banknotes at Sberbank and how easy is it to do?

Features of the exchange procedure

To exchange coins for paper money, you can contact the bank branch. Since the exchange of coins for banknotes at Sberbank is not mandatory, the bank employee has the right to refuse.

If the refusal does not suit you, you can write a complaint against the representative of the bank. However, the employee may not be punished, and the complaint will not be considered due to the absence of violations of the regulations.
Ways to get rid of trifles:

repayment of a certain part of the mandatory loan payment;
depositing to a valid card or account;
opening an instant free card and crediting money to its account.

The procedure for exchanging coins in Sberbank

The exchange of coins for banknotes in Sberbank is described in detail in the instructions of a bank employee and is available for review on the website. The available change must be sorted into separate denominations and the total amount of each denomination calculated. When visiting a bank branch, you must have a passport. You will need it to fill in your own data in the application. They may be required to prosecute those customers who try to exchange counterfeit coins for real banknotes.

The procedure for exchanging small things at Sberbank:

submit a free-form application indicating personal data, coin denominations and total amounts;
recalculation by the representative of the bank of the amount of money at face value and total amounts;
putting a mark on the application in the form of a signature and a seal on the acceptance of the specified money;
issuance of cash paper notes in the appropriate amount.

The process of counting coins can be carried out both manually and with the help of an appropriate apparatus that can determine the denominations of coins as accurately as possible. In departments equipped with such a device, the probability of failure is minimal.

For the exchange of coins for banknotes in Sberbank, you will need to pay a commission. Its size is set by the bank branch and is within 1-3% of the amount. Commission payments can be made separately or as a result of issuing a smaller amount of banknotes.

When exchanging, it must be taken into account that certain restrictions are provided for under this procedure. If there are small things up to 100 rubles, the exchange is not carried out, it is easier to contact any outlet. As a rule, store employees exchange small change for paper bills without any problems. You can get a refusal only in large supermarkets, where, according to the regulations, it is forbidden to perform such procedures.

Small change terminals

At the moment, you can already find terminals that allow you to exchange coins for banknotes at Sberbank. So far, they can only be used in the capital; in other regions of the country, such devices have not yet begun to be used.
The principle of operation of terminals for the exchange of coins for banknotes:

first put small money in the receiving compartment;
wait while the device performs recognition and counting of coins;
get acquainted with the information on the results of the calculation, with the commission (3%) and the final amount;
receive paper money.

This equipment is the most convenient to use and allows you to reduce the time for this type of operation not only for Sberbank employees, but also for customers. Thanks to the use of remote banking machines, it is possible to reduce the likelihood of claims and complaints at Sberbank branches.

Very often, people accumulate small money, which they want to get rid of because of the inconvenience of storage. But the reception of change in many organizations is carried out without much desire of employees. For this reason, many are interested in: is the exchange of coins for banknotes carried out at Sberbank and how long does it take?

Sberbank's regulations allow any individual to exchange small bills for large bills (at the moment, no age restrictions have been introduced). Depending on the situation, employees have the right to refuse, or they can meet the request.

You can exchange coins for paper banknotes at the nearest bank branch or using special exchange terminals.

Other existing exchange options:

opening an instant card and crediting metal money to it;
deposit to a bank card;
repayment of part of the debt under the credit program;

Conditions for the exchange of coins in Sberbank

The exchange of coins for banknotes at Sberbank is described in detail in the instructions for bank employees or on the website. The available change must first be sorted by denomination and recalculated. You should take your passport with you to the bank branch to fill out the application. Thanks to this, the bank wants to protect itself from citizens who are trying to get rid of counterfeit money.

Bank employees can, in accordance with the exchange rules, perform the required procedure. If the application is refused, then you should ask to invite the head of the department and then agree on the solution of the issue with him.

Sberbank exchange scheme:

filing an arbitrary application with personal information, indicating the amount and denominations;
verification of the amount by a bank representative;
confirmation of the fact of accepting coins;
receiving cash in hand.

Recalculation is done manually or using a special apparatus. You can know in advance where these devices are used to save your time and eliminate counting errors. In addition, a request for an exchange will most likely be granted at a branch where there is a special device for counting coins.

Commission for the exchange of coins for banknotes in Sberbank

When exchanging coins (little things) for banknotes, a commission of 1-3% will be charged, while the minimum deduction amount is at least 100 rubles.

You can pay the commission in cash or simply receive a smaller amount when exchanging.

Exchange of coins of 10 and 50 kopecks

The denominations of coins of 10 and 50 kopecks are currently payable and are also subject to exchange, in accordance with the terms of the exchange of metal coins for paper rubles.

Terminals for exchanging metal rubles for paper ones in Moscow

Now you can find special terminals that can exchange change for paper bills. At the moment, only residents of Moscow can use them, and exchange terminals are not yet available for other cities.

The principle of operation of the device:

a small change is placed in the receiver for exchange;
it is sorted and accurately recalculated;
the amount of money, commission (3%) and the amount to be issued appear on the screen;
issued paper money.

Such equipment is easy to use, and the exchange of coins for banknotes in Sberbank is carried out quickly and correctly.