# Depositing rubles

> How to deposit to your ruble account via SBP, why you need to verify your phone number, and what you can spend rubles on.

The ruble account is funded via SBP from any Russian bank's app. The fee is 5%, and a single deposit can be from 100 ₽ to 100,000 ₽.

## Verify your phone number

Before your first deposit, you need to verify a Russian phone number once.

1. On the home screen, tap "Deposit" and select the ruble account (RUB).
2. The "Verify your phone number" screen will appear. Tap "Verify in bot".
3. In the chat with @pswallet, tap the "📱 Send number" button below the input field and share your number.
4. The bot will reply "Number verified". Return to the app to continue with the deposit.

Only the phone number of your Telegram account is accepted, and it must be a Russian number (+7). Kazakhstan numbers (+76, +77) are not accepted. The bot will not accept someone else's number sent as a contact.

## How to deposit

1. Tap "Deposit" and select the ruble account (RUB).
2. Enter the amount you want to pay. The allowed range is shown below the amount, and the fee is shown under it.
3. Tap "Deposit" — the payment page will open.
4. Select your bank and pay via SBP.

While the payment is not completed, the wallet shows a payment waiting screen with a "Time remaining" timer. If the payment page has closed, tap "Go to payment page". You must pay before the timer runs out.

After payment, the "Deposit credited" screen will appear with the amount that arrived in your account.

## Fee

The fee is 5%. It is deducted from the deposit amount: you pay the amount you entered, and your account receives the amount minus the fee. The exact fee is shown below the amount before you pay.

## What you can spend rubles on

From the ruble account you can:

- issue and top up a virtual card — see [Crypto cards](https://help.pswallet.org/en/cryptocards);
- top up Steam — see the [Payments](https://help.pswallet.org/en/payments) section;
- put money into a savings pot — see the [Savings and staking](https://help.pswallet.org/en/savings) section.

> [!WARNING]
> Rubles cannot be transferred to another user or sent as a check, exchanged for cryptocurrency, spent on paying SBP QR codes, or withdrawn from the ruble account — including to a bank card. Top up the ruble account only with the amount you plan to spend on these purposes.

## If something went wrong

- **"Payment failed"** — the payment was canceled or expired. Tap "Try again" and create a new deposit.
- **"Payment method is temporarily unavailable"** — try again later.
- **"This is not your number"** — the bot only accepts the number linked to your Telegram account. Send it using the "📱 Send number" button.

:::details Money was debited at the bank but did not arrive in my account
Wait a few minutes: the credit may be delayed. If the money still hasn't arrived, contact [support](https://t.me/pswalletsupp) and attach the receipt from your bank app.
:::

:::details Can I deposit rubles to a USDT account?
No, only the ruble account can be funded via SBP. Exchanging rubles for cryptocurrency is not currently possible.
:::

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Source: https://help.pswallet.org/en/accounts/rub-deposit