Linking a Russian bank account

To add a bank account opened in one of the verified Russian banks, the following conditions must be met:

Your Mellow profile must be successfully verified;
Your Russian Taxpayer Identification Number (TIN) must be added to your profile. You can check your tax information in the "Profile" - "Personal details" section.

Linking an account

To add a Russian bank account, go to the Finance section of your profile, then go to Payment Methods:

Click the Bank Account button. You will receive an SMS or messenger message with a confirmation code.
Enter the code from the SMS or messenger.
Select the country "Russia" and click on "Continue".
After this, the secure account binding terminal page will be open. This is available only for your viewing.

Account adding terminal

Fill out the information according to the instructions. Before adding an account, make sure it meets the requirements.

Enter your account details according to the instructions below.
Click on Link. Your account will appear in the list of payment methods on the Finance page.
Please note that If you linked an account but it doesn't appear in the list of payment methods, this means the account is not available for use in your current tax status.

Instructions on how to enter the data

Entry field	Instructions/ Recommendations
Bank account number	Enter the personal account number (for Russian IE - the current account number) specified in your account details/bank statement. A Russian bank account number always consists of 20 digits. The first digits of the account number must follow a specific format depending on the account type: Russian resident personal account - 40817810 Russian non-resident personal account - 40820810 Russian IE account - 40802810
Recipient	Please enter the recipient's full name exactly as it appears in the account details. The full name must be in Cyrillic. If you are adding a current account for an Individual Entrepreneur, you must enter the name in the following format: ИП Your full name
BIC	Enter the BIC of the recipient bank where the account was opened. In Russia, the BIC consists of nine digits, without spaces or other separators. If the account details include a BIC for domestic and international transfers, enter the BIC for domestic transfers.
Account with beneficiary bank	Enter the correspondent account specified in the account details. If this account number is not listed in the account details or bank statement, you can verify it directly with the bank. The correspondent account format in Russia consists of 20 digits. The account number must begin with 30101810. If the correspondent account begins with any other digits, the account opened with that bank is unavailable for withdrawal.
Recipient bank name	Enter the full name of the bank where your account is opened, exactly as it appears on your bank statement. If your account is opened at a branch or local office, please provide the name of that branch.

Deleting an account

You can remove an added bank account from your profile so you can no longer select it for withdrawals. We recommend doing this if the account has been closed or if a payment was declined due to incorrect payment details. To remove an account, go to the Payment Methods section, find the linked account in the list, and click the red Trash icon next to it. In the window that appears, click Confirm. The account will then be removed from your profile.

Important information about Russian bank accounts

1) Only bank accounts opened in Rubles can be added. Accounts opened in foreign currencies cannot be used for withdrawals.

2) Only a personal bank account can be used for withdrawals.

This is because all payment details, including the Taxpayer Identification Number (TIN) specified in your profile, are verified when sending funds. If you send funds to an account that is not yours, we cannot guarantee that the receiving bank will accept the payment. If we receive information about a payment reversal, we will return the funds to your Mellow balance. Refund from the receiving bank may take several banking days.

3) Bank account numbers beginning with 40914810 are unavailable for withdrawals. This type of account typically refers to virtual bank cards or e-wallets, so they are not suitable for bank transfers using the details provided by the service. If you have such an account, we recommend checking with your bank to see if they can open a standard personal account for you, which will begin with 40817810 or 40820810. In the future, we plan to add support for withdrawals to Russian e-wallets.

Still have questions? Contact our customer support via the online chat or e-mail [email protected]

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