Frequently Asked Questions

Bitbanker is a financial service with offices in Europe, the UAE, Russia, and Kyrgyzstan.

Our platform allows you to securely and easily manage cryptocurrency transactions and send international transfers. For convenient fiat deposits and withdrawals, we also have offices in major cities across the world.

The Bitbanker app is available on all devices, and with our API payment solution, you can accept cryptocurrency payments through your online service, e-commerce store or Telegram channel.

Legal entity in Russia:

OOO "Bitbanker"

INN: 9703060680

OGRN: 1217700570977

You can view our virtual asset exchange license here.

Use the main buttons in your personal account to access key asset operations:

All Bitbanker services and operations are accessible on the main page of your personal account in the web version and in the "Services" section of the mobile app.

How do I register?

Is it safe to store my funds on Bitbanker?

How do I buy cryptocurrency?

How do I open a deposit?

How do I take out a loan?

How do I issue a cryptocurrency invoice?

Do you accept cash?

What is an order?

The size of the commission for withdrawals depends on the commission of the selected blockchain and the value of the withdrawn asset. Please note that these values are subject to change. We recommend reviewing the information provided on the withdrawal operation page for the latest updates.

The minimum withdrawal amount is 200 USD, and the maximum withdrawal amount is 30,000 USD.

Commission — 50 USD

Minimum withdrawal amount — 100 USD

Maximum withdrawal amount — 1500 USD

When purchasing cryptocurrency via SBP, two types of fees are applied:

Deposit fee: 8% — charged in RUB.

Exchange fee: 0.15% — calculated in the purchase currency, converted to RUB, and deducted in RUB at the current exchange rate.

The fees will be included in the amount you enter in the "You Pay" field. The "Receive" field will display the amount of cryptocurrency that will be credited to your balance after deducting the fees.

All transfers between clients within the Bitbanker service are commission-free.

Step 1. Click on the “Sign Up” button or follow the link.

Step 2. Fill in all the information and click on the “Sign Up” button.

Step 3. An email with a confirmation code will be sent to the specified email address. Enter the code on the website.

Congratulations! You have opened an account with Bitbanker.

If you have not received a confirmation email, make sure that you have checked your email thoroughly.

Additionally, please review your Promotions and Spam folders. If you do not find the email in any of these folders, please contact our support team through the online chat feature located in the lower right corner of our website.

After registration, you can:

To top up your account with Rubles, Dollars, or UAE Dirhams, go through the verification procedure (KYC). KYC serves as proof of your identity as stated on your passport. For more information, please refer to the “Verification (KYC)” section.

Before entering your username and password, please make sure that you are on the https://bitbanker.org/ website. To verify, please check the address bar.

The “Login” button can be found in the upper right corner of the website.

Click on it and a login form will open.

Click on the profile icon in the top right corner and select the “Profile” section.

Fill in the details:

In the “Security” section, you can:

This is the protection of your account with the help of an additional code.

You need to enter your username and password to access your account. The service will prompt you to enter a verification code retrieved from the Google Authenticator application on your mobile phone. Please note that this code changes every 30 seconds.

The verification code serves as an additional layer of protection, preventing unauthorized access to your account even if someone obtains your password.

Enable Two-Factor Authentication

Download the Google App Authenticator or any similar app from Play Market or AppStore on your phone.

Then go to the “Security” section and click on the slider.

Scan the QR code with the scanner in the application or enter the number manually (for that, click on “Can't scan the QR code?”).

Enter the code from the authenticator app.

Congratulations! You haveм enabled two-factor authentication. Please ensure to securely record the code displayed on the screen.

What to do if you lose your code/password

In the event of losing your code or password, please contact our support team at @bitbanker.org. Provide the following information:

To keep your account safe, we recommend you to:

How to change your password

To modify your password, open the “Security” settings section. At the bottom of the window, enter a new password and repeat it.

After that, click on the “Change Password” button. Congratulations!

All your assets are displayed in “Balance” section on the main page.

Here you can see the total balance of all funds and the balance of each asset you have on your account.

Total balance is the total amount of all available funds expressed in the account currency. You can change the account currency in the settings.

Locked — amounts engaged in ongoing operations, such as buy/sell orders placed at your specified price or pending withdrawal requests.

Funds pending – amounts expected to be credited to your account, such as balance top-up requests and pending invoice payments.

To see funds in “Locked” and “Pending” status, click “Show All” in the desktop version.

Step 1: Click on the profile icon in the top right corner and select the “Profile” section.

Step 2: Select the currency in which the total balance will be displayed from the drop-down list in the “Account currency” field.

Step 1: Open the Chrome browser on your mobile device and log into your Bitbanker account.

Step 2: Open the browser settings.

Step 3: Tap "Add to Home screen."

Step 4: Tap "Install."

Step 1: Open Chrome or Safari and log in to your Bitbanker account.

Step 2: Tap the "Share" icon (located below the address bar in Safari and to the right of the address bar in Chrome).

Step 3: Select "Add to Home Screen."

Step 1: Open the browser on your PC.

Step 2: Log into your Bitbanker account.

Step 3: Open the menu and click "Install app".

Step 1: Open the Google Chrome browser.

Step 2: Click the icon to the right of the address bar.

Step 3: Click "Install."

If you see the notification "A new version of the application is available" when logging in, please click the "Update app" button.

KYC (Know Your Customer) is a passport verification procedure.

Why verification is needed:

You can complete KYC on either a computer or smartphone. You will need a camera for the process.

The Standard KYC allows you to use all Bitbanker services, deposit, and withdraw cryptocurrency, USD.R, UAE dirhams, and rubles.

Standard PLUS KYC lets you work with currencies such as US dollars and Russian rubles with physical storage in Kyrgyzstan (KGS, USD.k, and RUB.k), as well as Kyrgyzstani som.

Step 1: Open the menu and select the "KYC" section.

Step 2: Choose "Standard KYC" and click "Complete KYC."

Step 3: Confirm your consent for personal data processing: select the appropriate option and click "Continue".

Step 4: Enter your full name, gender, date of birth, country, and registration address on the information screen. Click "Next."

Step 5: Select the country of issuance and the document type. Then upload a photo or scan of your document and click "Next." If you chose a passport, upload a photo of the main page. If you chose an ID card, upload separate files of the front and back sides of the card.

The image must be clear and legible, showing the full document, including its edges. The schematic images provide examples of the document’s placement in the photo or scan.

If you start the verification process on a computer without a camera, you can continue on your smartphone by clicking "Continue on Phone" during the document upload step. The program will generate a QR code, which you can scan with your smartphone to continue the verification from the current step.

Step 6: Enable your camera and click "I’m ready". Follow the on-screen instructions to take a selfie: the system will ask you to remain still and then to rotate your head. Green indicators will show the direction of rotation.

If the face scan fails, make sure there is enough light in the room, try again with a neutral background, or try using a different device or browser. If you still cannot pass the verification, contact support.

Step 7: Select your country, enter your phone number, and click "Send verification code." Enter the code sent to you via SMS and click "Next."

Step 8: Verify your personal information and document photo. Click "Next" if everything is correct. If you find an error or want to upload a different photo, click "Edit".

Step 9: Once the system verifies your information, your status will automatically update, and you will receive a notification about the verification status.

Please read the document photo requirements carefully. This information will help save time and pass verification on the first attempt.

The verification system can process identity documents in over 40 languages from more than 220 countries and territories.

For Amharic, Bengali, Burmese, Dari, Divehi, Hindi, Khmer (Cambodian), Kinyarwanda, Lao, Mongolian, Nepali, and Sinhalese, documents are only accepted with Latin characters.

If the document is in a country-specific script, a notarized translation must be provided.

The verification process can take up to 24 hours, but it usually takes just a few minutes.

If you encounter difficulties during verification, you will receive a notification explaining the problem and instructions on how to resolve it before the verification is completed.

If your application is rejected after review, you will be notified.

Here are the most common reasons for rejection:

If your application is rejected, correct the errors indicated in the notification and upload the documents again.

If you have questions about the KYC process or need assistance, contact support via online chat or Telegram bot.

This is the protection of your account with an additional code.

Once you enter your username and password to sign in, the service will ask you to enter a verification code that you will have on your phone in the Google Authenticator application. This code changes every 30 seconds.

The code will not allow an attacker to log into your account, even if they manage to obtain your password.

How to enable two-factor authentication

Download the Google Authenticator app or any similar app from Play Market or AppStore on your phone.

Then go to the “Security” section and click on the slider.

Scan the QR code with a scanner in the downloaded app, or enter the number manually (click on the “can't scan QR code” button).

Enter the code from the authenticator app.

Congratulations! You have enabled two-factor authentication. Write down the code from the screen and store it in a safe place.

For any questions, please contact our support team via online chat or the Telegram bot.

If the program considers any activity in your account suspicious, the transfer of funds may be frozen.

What kinds of activities may be considered suspicious:

Why do we need this

This is how we protect your funds from attackers. This is a common security measure implemented on many financial platforms.

How to unfreeze the funds

The message indicates the date and time when the freeze will be lifted. Unfortunately, you can only wait, because if your account was compromised by attackers, they can contact us in the same way on your behalf and ask to lift the freeze.

What should I do if I did not do anything and I received a notification of suspicious activity?

Change the passwords on your account and on your email immediately. Enable two-factor authentication and contact us in the support chat.

I have access to an old device

1. On the phone that currently has two-factor authentication for your account, open the Google Authenticator app.

2. Go to settings and select “Export Accounts”.

3. The app will generate a QR code for the export.

4. On your new phone, download Google Authenticator.

5. In the application, go to the “Export Accounts” settings section and select “Import accounts”.

6. Scan the QR code.

The whole process will take no more than five minutes.

Congratulations! You have transferred Google Authenticator to your new phone and can receive verification codes on it.

I don't have access to my old device

I have a reset code.

Download the Google Authenticator app on your new phone and use the reset code when setting up the app.

I don't have a reset code.

In this case, please reach out to support via online chat or the Telegram bot.

To keep your account safe, we recommend you:

Open the “Security” settings section. Enter the new password and repeat it.

After that, click on the “Change Password” button.

Bitbanker conducts mandatory user verification (KYC) and is entitled to conduct AML checks on incoming cryptocurrency transactions through the third-party service Crystalblockchain and its equivalents.

AML and KYC procedures are necessary to comply with Bitbanker's financial regulators' standards.

Through AML checks, Bitbanker identifies the involvement of cryptocurrency in suspicious operations. If the check results in a negative outcome, funds may be frozen until the transaction is investigated.

The world of finance and cryptocurrency often attracts scammers and hackers who exploit users’ trust to steal funds and personal data.

Follow these simple safety rules to protect yourself and your money.

We guarantee the security of user funds but cannot recover them if your personal information has been compromised.

Step 1. Click on the “Deposit” button and select a cryptocurrency from the list.

Step 2. Scan the QR code or copy the Bitbanker wallet address.

Step 3. Pay attention to the minimum deposit amount. If you deposit a smaller amount, the money will be locked until you top up the wallet again to the minimum required amount.

Step 4. Transfer the cryptocurrencies to the copied address.

Notice!

Before topping up the balance on the Bitbanker platform, be sure to check:

1. If the cryptocurrency that you want to deposit onto your account balance is present in the list.

2. The blockchain of the cryptocurrency you are depositing matches the blockchain chosen in your Bitbanker wallet. For example, if you send Ether to a Bitcoin wallet, the funds will be lost.

3. You have entered the destination wallet address correctly.

Any top-up of the balance on the Bitbanker platform can be viewed in the “Operations History” section.

To use fiat funds, you need to pass verification (KYC) of your account in Bitbanker. Without passing the KYC verification procedure, you can only use cryptocurrencies to top up your account.

Balance top-up options:

In this section, we will explore cash top-up options.

Minimum amounts for cash top-up:

To top up your account, click on the “Deposit” button and select the currency.

In the top-up form, enter:

1. The amount of funds deposited.

2. Indicate whether the funds will be deposited by yourself or by another individual.

Then, create an operation.

In the next step, you will see a code. Copy and save it, as you will need to provide it to the operator in the office.

Write to the operator in the support chat that you want to top up your account and send the operation code. Then agree on a time for visiting the office and the operator will issue you a pass.

You can top up your Bitbanker balance via bank transfer using the provided details.

The minimum transfer amount is 5,000 rubles.

Without proof of the source of funds, the maximum transfer amount is 500,000 rubles.

With valid proof of the source of funds, the maximum transfer amount increases to 4,500,000 rubles.

How to proceed

Our support team will verify the KYC and prepare the contract. After signing the contract, the operator will provide you with the details and explain what to do next.

Conditions

How to withdraw cryptocurrencies:

1. Click on the “Deposits and Withdrawals” button and select a cryptocurrency;

2. Select a network;

3. Enter the amount;

4. Enter the wallet address to which you intend to transfer the cryptocurrencies;

5. Ensure that the selected transfer network is accurately chosen and that the wallet address is entered correctly. Note that in the event the chosen network is not supported by the wallet, any funds transferred may become irretrievable, and regrettably, we will be unable to assist in their recovery.

Enter the verification code from the Google Authentication app and confirm the withdrawal using the email you receive.

Congratulations!

On the Operations History page, you can track the status of the withdrawal. Withdrawals are processed from 1 to 60 minutes depending on network load.

To withdraw fiat funds, you need to verify your account in Bitbanker. Without passing KYC, you can only use cryptocurrencies.

Fiat currency withdrawal options:

In this section, we will explore cash withdrawal options.

You can find the minimum deposit and withdrawal amounts for each Bitbanker office at the following link.

In the withdrawal form:

1. Choose a currency

2. Enter the amount

3. Indicate whether the funds will be received by yourself or by another individual

When you click on the “Create Operation” button, the service will generate a code for you. Send it in the chat with the operator and agree on a time to visit the office. The operator will then issue you a pass.

USDT, euros, dirhams, and US dollars are available for withdrawal.

You can choose different currencies for debiting from your Bitbanker balance and for the payout to your bank account.

For instance, if you want to withdraw US dollars from your balance and receive the payout in euros, select dollars for debiting and euros for the payout.

The platform will automatically convert the funds.

Enter the withdrawal amount from your Bitbanker balance in the "Withdrawal amount" field. The final amount, including fees, that will be credited to your bank account will appear in the "Repayment amount" field.

Alternatively, if you enter the amount you want to receive in the "Repayment amount" field, the final amount debited from your balance, including fees, will be displayed in the "Withdrawal amount" field.

Please be advised that the completion of the KYC (Know Your Customer) procedure is required for engaging in any transactions involving SWIFT transfers.

Transfer durations may extend up to six business days.

The minimum withdrawal amount is set at 200 USD, while the maximum limit stands at 30,000 USD.

Commissions

How to withdraw funds via SWIFT

On the main panel, click on the “SWIFT Transfer” button.

Fill out the form and create an operation.

Next, the operator will check the entered data and send the funds during the working day. You will receive an email if any clarifications on the provided information are needed.

You can withdraw from 100 to 1,500 USD to foreign VISA cards.

How to create an operation:

Please note that withdrawal transactions to bank cards issued in the following countries are not supported:

— USA;

— DPRK;

— Iran;

— Sudan;

— Myanmar (Burma);

— Cuba;

— Syria;

— Iraq;

— Algiers;

— Russia.

What is USD.r and USD.k

This denotes the standard US Dollar, wherein the letter following the dot signifies the specific geographical location associated with the funds.

USD.r (US Dollar Russia) refers to US dollars that can be deposited or withdrawn in cash at the Moscow office.

USD.k (US Dollar Kyrgyzstan) refers to US dollars that can be deposited or withdrawn in cash in Kyrgyzstan (Bishkek).

Why are these currencies separated?

Market exchange rates vary from country to country.

To illustrate, let's compare the USD/USDT exchange rate in Kyrgyzstan and Russia. In the Kyrgyzstan market, 1 US dollar can be exchanged for 1.05 USDT, whereas in Russia, the exchange rate is 0.99 USDT.*

* Please note that the provided exchange rate is current at the time of writing.

The significant difference in exchange rates makes it unfavorable for some clients if only one trading pair is available.

Both USD.r and USD.k can be withdrawn via SWIFT and VISA. However, cash withdrawals are only possible in the country whose Dollar symbol is associated with your account balance.

In blockchain, transaction confirmation is needed to transfer funds once. As soon as the sender transfers the funds, the transaction enters the blockchain for execution and inclusion in the block. This is where the active miners of the cryptocurrency network come into play. Thanks to their efforts, the network adds the transaction to the blockchain and confirms it (usually multiple confirmations are needed).

The speed of transaction confirmation depends on many factors:

On average, transaction confirmation lasts from 30 minutes to several hours. However, sometimes it can take from two to 14 days if the network is overloaded. The withdrawal of funds will become technically possible when a certain number of confirmations by the network take place (depending on the type of cryptocurrency transferred).

The Bitbanker platform has set the following number of blocks required to confirm payment:

You created an operation to top up your account or withdraw Rubles, Dollars, or Dirhams, but changed your mind. You can cancel the operation in the “Operations” section. Click on the trash can icon and confirm the operation in the window that opens.

You can transfer funds without commission to another client of Bitbanker. On the main page, click on the “Transfer” button.

Select the currency of the transfer, and enter the amount and the email address using which the Bitbanker account was registered.

Click on the “Perform Transfer” button. The funds will be sent immediately to the client's account.

Send funds to users who are not registered with Bitbanker and receive 1% cashback on the transfer amount.

The recipient will get the funds after completing two simple steps:

If you send funds to the wrong email, you can retrieve them ten days after the transfer. To do this, go to the Transaction history after ten days, find the relevant transaction, and click the trash can icon next to it.

You're all set!

A memo or destination tag is an additional comment consisting of numbers or a combination of letters and numbers, used to identify the recipient of a transfer in networks like TON, Cosmos, and some others.

To ensure successful deposits, withdrawals, and transfers of TON and USDT coins via the TON network, you must specify the destination tag (memo) in the appropriate field.

After selecting TON or USDT in the TON network in the "Deposit and Withdrawal" section, the system will display a warning: "For successful TON deposits via the TON network, you need to provide both the address and the Memo tag." Click "Confirm" button to proceed.

When topping up your balance, the next page will show the wallet address for the transfer and the memo. Be sure to copy the memo when transferring to the specified address.

If you are withdrawing coins from your account, copy the wallet address and memo into the respective fields for the destination wallet. Memo or destination tag information is available in your exchange account or wallet where you store your assets.

If you do not have a memo, check the box "I don’t have a MEMO tag."

Our main office is located in Moscow International Business Center (Moscow-City), Federation Tower (West).

At our Moscow office, you can deposit or withdraw cash in dollars, rubles, and euros with 0 fee.

Working hours: daily from 10:00 AM to 9:00 PM (UTC +3).

Address: YE'S Marata, Socialisticheskaya Street 21.

At the office, you can deposit cash in rubles to your balance and make withdrawals. There is a 0.5% fee.

You can deposit or withdraw cash from 100,000 RUB to 20,000,000 RUB per transaction.

Working hours: daily from 10:00 AM to 7:00 PM (UTC +3).

Address: Dubrovinsky Business Center, Chernyshevsky Street 7.

Cash deposits and withdrawals in rubles are available with a 0.5% fee.

Working hours: Monday to Thursday: 10:00 AM to 6:00 PM (UTC +5); Friday: 10:00 AM to 4:00 PM (UTC +5).

Address: Tukhachevskogo Street 12B, 1st Floor.

At the office, you can deposit cash in rubles to your balance and make withdrawals. There is a 0.75% fee for deposits, and withdrawals are free of charge. Minimum deposit: 500 RUB. Minimum withdrawal: 500 RUB.

Working hours: Monday to Friday from 10:00 AM to 7:00 PM (UTC +3).

Address: Frunze Street 393A.

At this office, you can deposit Kyrgyz soms, euros, and dollars in cash. Dollar deposits will be credited to your account as USD.k.

Working hours: weekdays from 9:00 AM to 6:00 PM KGT (UTC +6).

If you have never used exchangers and are not sure that you can choose a reliable one, then we recommend working with the ones from the following list.

Our customer support operates daily from 4:00 to 21:00 UTC

The most reliable way to contact the support service is via messenger on the Bitbanker website.

First, check if you are on the right website. Service address is https://app.bitbanker.org/.

In the lower right corner, there is a support icon, by clicking on it, you will see four ways of contacting the operators:

You have the option to receive essential updates regarding the status of your operations and account from two reliable sources: email and our Telegram bot.

By default, email notifications are activated.

You have three choices when it comes to notifications:

On the main page, click on the profile icon and select “Notifications”.

Click on the “Connect Telegram bot” button. You will be transferred to Telegram.

Steps to follow in the bot:

1. Click on the “Start” button.

2. Submit the email address that your Bitbanker account is linked to.

3. A confirmation code will be sent to the specified address, send it to the chat with the bot.

4. The bot will notify you if everything went well.

5. A note that the Telegram bot has been connected will appear in your personal account.

We offer two types of notification connections:

To manage your email subscriptions, toggle the switch to the desired position to connect or disconnect mailings.

You can connect a Telegram bot to your account on the website. On the home page, click the profile icon in the upper right corner and go to the "Notifications" section.

Click 'Connect to Telegram bot,' navigate to it, and launch it. The bot will send you a welcome message and instructions on how to connect.

To connect the bot to your Bitbanker account, send to the chat the email address that you used to register in your Bitbanker account.

You will receive an email with a confirmation code, please copy the code and send it to the chat with the bot.

After sending the verification code to the chat, you will receive a message in response, confirming the connection. All the functions of the bot will now become available to you.

Step 1:

In the chat with the Bitbanker bot, click the "Menu" button and select “Top up Balance." Alternatively, you can send the command /deposit_address in the chat with the bot.

Step 2:

Select the cryptocurrency you want to deposit and click on it.

Step 3:

Choose the network for the cryptocurrency and click on it.

Step 4:

After selecting the network, the bot will send you a message with a QR code and the wallet address where you need to transfer the cryptocurrency. Scan the QR code or copy the wallet address.

Step 5:

Transfer the cryptocurrency to the copied or scanned address.

Before transferring funds, double-check the wallet address and the network you are using to transfer the cryptocurrency.

Only transfer funds to the wallet and network specified in the bot's message. Once the transaction is completed, the cryptocurrency will be credited to your Bitbanker account.

If another person will be making the transfer, you can forward the details to them. Click the "Send" button in the Telegram bot, select the contact in Telegram to whom you want to forward the details, and click the Send message button.

The time it takes for the cryptocurrency to be credited to your balance depends on how quickly the transaction receives the required number of confirmations. For more information on transaction confirmation speed, see the "Transaction Confirmation" section.

If you encounter any problems when depositing funds or have any questions, contact support on the website or via Telegram. The support team is available every day from 4:00 AM to 9:00 PM UTC.

There are two ways to check your account balance:

To check your balance via the Telegram bot, press the 'Menu' button in the bot, and then press the /balance command. The bot will display all the funds available in your account.

The Balance section is located on the home page of the website.

The "Show All" button will allow you to view your entire balance.

Including:

You can check which Telegram account your funds came from in the 'Operation History'.

To initiate a fund transfer using the Bitbanker Telegram bot, please follow the steps below:

Open a chat with the Bitbanker Telegram bot.

Access the menu and select the "/transfer" command.

Enter the Telegram username of the intended recipient. Please ensure the username includes the "@" symbol, as it serves as a public link to the account and is required for the transfer.

To obtain the recipient's username, you can copy it from the Telegram chat menu. Click on the chat header and copy the username, which begins with the "@" symbol.

Send the Telegram username to the bot in the chat.

If you entered a username that does not have a Bitbanker account, the bot will notify you accordingly.

You can transfer funds to a user who is either not registered with Bitbanker or has not connected their Telegram account to their Bitbanker account. The recipient will be able to withdraw the funds immediately after registering with Bitbanker and linking their Telegram account. The bot will provide you with prompts that you can send to the recipient.

If you entered an incorrect username, you can restart the operation by clicking on "Start again".

After successfully entering the username in the chat, the bot will display the balance of your Bitbanker account and prompt you to select the currency for the transfer. Click on the desired currency in which you wish to make the transfer.

Enter the amount you wish to transfer.

Done! The transfer has been completed.

Transfer funds to users not registered on Bitbanker and receive a 1% cashback on the transfer amount.

The funds will be credited to the user's account once they complete two steps:

Open the Bitbanker Telegram bot and select the "Transfer Funds" command from the menu.

Enter the Telegram username of the user to whom you want to transfer funds.

Once you send the username, the bot will check if the user is registered on Bitbanker or not. If not, it will send you a mini-instruction that you can forward to the recipient.

Choose the transfer currency.

Enter the transfer amount and send the messages.

The funds are sent. The bot will send you a link through which the recipient can register on Bitbanker and claim their funds.

P2P (Peer-to-Peer) is a direct exchange of funds between clients, with operators not directly involved in the transaction. However, they may intervene to resolve a conflict situation.

Bitbanker’s P2P platform acts as an intermediary in transactions, allowing clients to place their offers. The main function of the platform is to ensure the security and timely transfer of funds during the execution of a transaction.

You can respond to an existing offer from another client or create your own.

In the first case, you choose an offer from the list. You can select it manually or filter the list by the request amount and the recipient's bank.

On Bitbanker, P2P and all other transactions with fiat currencies can be conducted after identity verification. Learn how to pass verification in the Verification (KYC) FAQ section.

To engage in P2P exchange, two conditions must be met:

From the main page, go to the “P2P Transfers" section.

Choose the type of transaction you want to create: deposit or withdrawal. Click on "Create Your Own."

Fill out the form and specify the conditions in your request:

Your request goes into the list of offers, and you need to wait for another client to respond.

When you receive a response for the exchange, you have ten minutes to initiate the transaction. Otherwise, it will be automatically canceled.

You can cancel a transaction without operator assistance in two cases:

To cancel, click the "Cancel order" button.

In all other cases, only an operator can cancel the transaction after clarifying the circumstances.

If you want to top up your Bitbanker balance and opt for an offer from the list, you land on the transaction page.

The creator of the transaction receives a notification and must confirm their participation within ten minutes.

Additionally, they receive notifications via email and Telegram.

Once the second participant confirms their participation in the transaction, you will receive a notification with the amount to transfer and their card number. On this page, you can see how much money you will receive in your balance and how much you need to send.

After making the transfer, click the "Confirm" button.

Then, the second participant checks their card balance and clicks the "Confirm" button if they have received the funds.

Once they do this, the service will close the transaction and transfer the funds from the balance of the second participant to your account.

You can view the transaction history in the "My orders" section.

If the second participant does not confirm the receipt of funds, the transaction does not automatically close. An operator intervenes and clarifies the details.

If anything goes wrong, both participants can call an operator. The "Operator call" button appears 15 minutes after the start of the transaction.

Issues related to disputes are resolved by operators within the transaction chat.

An operator, a service security specialist, examines the situation and makes a decision in case of a dispute. The operator may request documents and explanations related to the transaction, and the user is obligated to provide this information.

When opening a dispute, attach a screenshot of the payment or a bank statement, along with a brief comment on the conflict.

The operator will then need time to reach a decision, and if necessary, may request additional information.

In the P2P Transfers section, click on the "My orders" tab above the list of all offers.

On this page, you can review the history of all transactions and filter them by types and statuses.

Trading rules are established to enhance the safety of service users.

They are mandatory for all Bitbanker  P2P users.

Please take these rules seriously. If you have any questions, contact Bitbanker support.

Bitbanker retains the authority to enforce limitations on an account without disclosing reasons.

Follow these simple rules to ensure your P2P transaction is safe.

Step 1: Select the "Buy Crypto via SBP" section in the menu.

Step 2: Enter the purchase amount in the "You pay".

Step 3: Select the cryptocurrency you want to buy in the "Receive" field. After selecting the cryptocurrency, the current exchange rate will appear in the "Current Rate" field, and the amount of cryptocurrency you will receive will appear in the "Receive" field.

Step 4: Verify the transaction details and click the "Pay" button.

Step 5: On your mobile device, tap "Pay", then the banking application will open.

If you process the transaction on a computer, open your banking application on the phone, select "Pay by QR code" and scan the QR code.

Step 6: Check the transaction details again and confirm the payment in the banking application.

Step 7: After payment, the transaction status on the Bitbanker website will change to "Successful".

To top up your balance again, click the "Create new operation" button.

To view all your transactions, go to "Transaction History".

You can generate and leave up to three QR codes unpaid consecutively.

Each QR code is valid for one hour.

Once the third QR code expires, access to the «Purchase Cryptocurrency via SBP» service will be blocked.

For example, you want to buy cryptocurrency through SBP. After filling in all the fields and clicking «Pay», a QR code will appear for payment. If you don’t complete the payment immediately and close the page, the QR code will remain active for one hour.

If you return to the website within an hour and refresh the page, a notification will appear informing you of the incomplete SBP purchase. If you have already created several QR codes, the system will prompt you to pay only for the most recent one. It will not be possible to complete the purchase using previously created QR codes. To complete the purchase, click «Pay».

In the pop-up window with the QR code, click «Pay».

If you create three QR codes in a row without paying for them, you will receive a warning email 15 minutes after the third QR code is generated.

If you create three QR codes in a row and only pay for the third, access to the service will not be blocked.

The Market order allows you to buy or sell an asset instantly at the best price in the order book.

Its advantage is instant execution.

The Limit order is an order to buy or sell assets at your proposed price. The platform will automatically make an exchange when a matching offer appears in the order book.

Please note that a limit order is typically not executed instantaneously like a market order. The order will be executed once another Bitbanker user decides to sell/buy coins at the price you have offered. However, you can earn a 4% annual interest on the amount locked in limit orders for currency pairs involving USDT. You can learn more about this process here.

Go to the “Buy and Sell” page and choose your desired pair.

Fill out the form to create an order:

Step 1. Choose an action: buy or sell.

Step 2. Select the type of order: Market order or Limit order.

Step 3. Fill out the form that corresponds to the selected order.

Step 4. Click on the “Buy” or “Sell” button.

Congratulations!

If you placed a Limit order, you can now see it in “My Orders”. It will appear in the window immediately or when the condition is fulfilled.

In the “Buy and Sell” service, navigate to the "My Orders" section. Select the desired order and click on the trash can icon.

Please, write to the support chat on the website and attach a screenshot of the order or error.

We will try to help you as soon as possible.

Open the Operations history page. A list of all operations in chronological order will open on the page.

In the “Buy and Sell” service, navigate to the "My Orders" section.

The order was partially filled. Another Bitbanker client sold only 20 coins at your price. Your order will be filled in full when other clients show up and sell another 80 coins at your price.

Please wait until the order for the remaining coins is executed.

All orders are executed only by platform users.

The administration of the service does not conduct, control, or interfere with trading on the platform. If you want to speed up the operation, you can cancel the open order and create a new one with a different price.

Place orders at "your price" to buy cryptocurrencies for rubles and USDT and earn 4% annual interest. Income is accrued on the order amount while funds are locked in the order book. No interest is accrued on the day when the order is fully or partially executed.

Income is accrued in eleven pairs when buying:

No interest is accrued for cryptocurrency sell orders.

Imagine, you place a sell order for 2,000 USDT, and the transaction is completed on the fifth day.

The order earns 4% annual interest, meaning you can earn 80 USDT in a year.

Let's calculate the income you will receive for those four days when there were no transactions on the order. Income is credited to your account daily for each full day that has passed while the order is in the order book. Therefore, we divide the total amount of 80 by 365 days in a year to get 0.22 USDT. This is your daily income, and the total income for four days will be 0.88 USDT.

You can check the accrual of income in the "Transaction History".

Bitbanker Investments are pre-constructed investment strategies tested by our portfolio managers. Our team meticulously selects and analyzes investment instruments to mitigate risks to your capital, ensure the reliability of invested funds, and enhance their efficiency.

Navigate to the "Investing" section on our platform.

On the main page, you will find a list of all available products along with their descriptions. Click on the "Learn more" button to delve into each product.

Here, you will find:

Familiarize yourself with the minimum amount listed, which represents the current cost of one unit of the product.

Also, take note of the asset lock period, which signifies the minimum duration required before you can sell your lots and retrieve your initial investment.

Select the desired product and click on “Invest”.

Next, input the quantity of lots you wish to purchase. The cost of a single lot can be found in the detailed product parameters.

For instance, one lot of the DeFi Investments product costs 1000,15 USDT. If you want to invest this amount, input "1." For an investment twice as large, input "2."

Our service will calculate the precise amount in USDT that you are investing, which is equivalent to the current cost of one unit multiplied by the entered quantity of units.

Click on "Buy."

Done! You will be redirected to the "My investments" page, where your acquired assets will be displayed. Here, you can track the performance of your investments and the income generated.

Navigate to the "My investments" page. Here, you will find information about all your acquired assets, including the dynamics of your investments and the income earned, such as:

You can also buy more or sell your acquired assets. The sale of lots can be done once the lock-up period ends.

Go to the "My investments" section. Select the desired product and click on “Sell”.

Input the quantity of lots you wish to sell and confirm your decision.

Your funds will become available in your balance once the portfolio manager withdraws them from the investment pool.

Each product has unique payout conditions. You can find them in the product parameters under the Profit for the Last Month section, indicated by a question mark icon.

From the main page, navigate to the “Loans and Deposits” section and select "Staking Deposits".

Select the currency, amount, and the deposit term, and read the terms and conditions carefully. The "Expected Yield" line shows how much you will earn from this deposit.

When you read the terms, check the "I accept the Terms of Service” box, and click "Open Deposit".

Income is credited to your account daily in equal installments during the deposit period. You can check your payouts in the Operations History.

You can close a deposit at any time or wait until the deposit is closed automatically. In either case, the funds will be available to you immediately.

How to close a deposit

To close a deposit, go to the “Deposits” section located at the bottom of the page. There, you'll find a list of all your open deposits. Click the "Close Deposit" button and confirm your decision.

Yes, the interest rate on each product is guaranteed.

You can track the payment and deposit repayment history in the “Operations History” section.

If you're interested in viewing only deposit operations and interest payments, use the filter option.

On the main page go to the “Loans and Deposits” section.

Choose:

Please review the terms thoroughly. If you find them satisfactory, kindly select the checkbox labeled "I accept the Terms of Service" and proceed by clicking the "Borrow" button.

Your loan has been successfully initiated, and the funds have been promptly transferred to your account balance. To conveniently access an overview of all your active loans, please navigate to the ”Loans” section located at the bottom of the page.

The loan repayment can be made either at the end of the agreed term or in advance, with no associated extra charges. To proceed with the repayment process, please navigate to the “Loans” section, located at the bottom of the page, where all ongoing loans are displayed. Locate the specific loan you wish to repay and click on the "Repay" button.

The loan can be repaid in full or in part. Enter the desired amount in the window that opens and click on the “Repay the loan” button.

Congratulations! The loan has been repaid.

If you repay the loan ahead of the agreed-upon schedule, then interest will be accrued only for the past full day from the date of opening the loan. You do not need to pay interest for incomplete days.

Following any delay, a grace period of 30 days is allotted for loan repayment. During this period, an intensified interest rate is applied. Failure to settle the loan within this timeframe will result in the utilization of the collateral as a means of repayment.

The collateral will be liquidated by selling it at the prevailing market price. A commission of 5% of the loan amount will be levied for the liquidation process. Subsequently, interest will be charged for the entire duration of the loan, encompassing both the period of use and the principal amount. In the event that any surplus funds remain thereafter, they are returned to the client's balance.

The loan amount corresponds to 75% of the collateral's value, ensuring sufficient coverage for both the loan and any associated interest in the event of a decline in its price.

If the price of the collateral drops by 20%, then it is automatically sold at the market price and used to repay the loan and interest on it, as well as a liquidation fee of 5% of the amount of the loan.

Information on loans, repayments, and liquidations of collateral can be found in the “Operations History” section.

On the main page, select the Crypto Payment Processing service and click on the “Create an invoice” button.

Fill out the form:

Select the invoice currency.

Enter the transfer amount in the settlement currency and select the cryptocurrency in which you agree to receive payment. Please note the minimum invoice amount.

Select the date by which you want to pay the invoice. If you want the funds to be credited to the balance immediately in Rubles or USDT, then confirm this in the “Convert invoice currency to account currency” section. And click on the “Create an invoice” button.

Congratulations! The link to the account will be sent to the payer at the specified email, and you can also copy the link to the account and send it in any other way.

All issued invoices can be viewed in the Crypto Payment Processing section.

You can also set the currency network yourself. This option isn't available in the widgets or in the app form, but the network can be set through API integration.

This displays the status and actual payment amount of each invoice, if already paid.

All issued invoices can be viewed in the Crypto Payment Processing section. Here the status and corresponding payment amount of each invoice is displayed, if already fulfilled.

You can also check the payments in the “Operations History” section.

0% commission for invoices issued and paid in the same currency. The network fee is covered by the payment sender.

If you issue an invoice in one currency and the client pays in another, a coefficient of 1.04 is applied at the time of payment. This is to compensate for the currency exchange rate change that may occur between the invoice creation and payment time, ensuring you receive the exact amount specified in the invoice.

To create an account, you need to make a POST request to the URL:

In the header of the request, you need to pass your API key:

in the body of the request, you must provide:

Upon successful creation, we will send you a response:

You can also set up a webhook for your API so that you know when the payment was successful. This requires that you send us a URL to which we can make a POST request in the following format:

To retrieve account information, perform a GET request to the following URL:

Include the following headers:

Include the following parameters:

You can issue invoices for specific networks if these networks are enabled for account deposits on Bitbanker. You can check the currently available networks in the "Deposit and Withdrawal" section.

You can integrate a widget into your project to receive payments for goods or services using Bitbanker.

There are three types of available widgets:

Installation Example: https://codepen.io/Bitbanker/pen/MWLgGjR

Insert the HTML code for the widget at the designated location.

Go to your website and insert the following code into the <head></head> section of your site:

Place the widget in your desired location and insert the following HTML code:

Required

Optional

You can issue invoices for specific networks if these networks are enabled for account deposits on Bitbanker. You can check the currently available networks in the "Deposit and Withdrawal" section.

To make the SBP (Faster Payment System) payment available in widgets, add the following variable: sbp-paymet.

Once a user registers with a promo code, both participants in the program will receive 30 USDT. The bonus will be displayed in the user’s account as pending.

To unlock and withdraw the bonus, as well as receive additional bonuses, the following requirement must be met:

– The referred user must complete exchanges totaling at least 1,500 USDT or its equivalent in any currency within one month of registration.

Upon meeting these conditions, both participants will have access to 30 USDT and other bonuses.

After registering on Bitbanker with a promo code, you’ll receive 30 USDT.

To unlock and withdraw the bonus, you must complete exchanges totaling at least 1,500 USDT or its equivalent in any currency within one month of registration.

After meeting the requirements, you’ll receive:

Once the user who registered via your promo code meets the program requirements, you’ll receive:

You can use a template promotional code in your personal account.

To create a new promotional code, click on the “Create a new promo code” button.

Enter your promo code.

Done! The service has generated a link with a promo code for you.

Click on the profile icon and click on the “Promo codes” section. You will see the total income for all referrals and for each promotional code separately.