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Money Transfers to Russia in Germany: what actually matters to know

Short answer
Direct bank transfers from Germany to Russia are effectively restricted or impossible due to sanctions and bank policies. The primary alternatives involve using P2P cryptocurrency exchanges like USDT or private arrangements to move funds between the two countries.

From real experience

Swift transfers to Russia are becoming increasingly difficult due to a reduced number of participating banks.
ING-DiBA has stopped transfers to Russia. HVB (a UniCredit subsidiary) still processes transfers but with stricter checks and higher fees. Opening an account at HVB, even for German citizens born in Russia, can be a challenging process with unclear accountability.
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Direct bank transfers from Germany to Russia are largely restricted.
Current workarounds include P2P crypto exchanges (buying USDT and transferring to a recipient's card in Russia) or private 'cross-border exchange' arrangements with individuals (e.g., retirees) who need to move money in the opposite direction.
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Direct bank transfers from German banks to Russian Raiffeisenbank or other Russian banks are currently not possible due to international sanctions.
Do not trust individuals offering 'alternative' direct wire transfer services; peer-to-peer exchanges remain the only common mechanism.
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Profee has reportedly stopped its services for transfers to Russia since October of the previous year.
An alternative method involves selling USDT (Tether) to a contact in Russia who will then transfer rubles to you.
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