Hello, rp5, you wrote: rp5> At someone now it turns out to translate dollars/euros from rated currency account for the account as physical person? rp5> and in what bank? The Point/opening, all APPRX. But that it was (almost free, it is necessary to construct a construction: 1) account in the Point 2) the account/card of the physicist in the Point. It is applied on account for 100 roubles in a month. A card absolutely useless ( without a name; the normal costs 5000 in a month, well them on a horse-radish) 3) a normal card in Discovery Transfer 1> 2 free, and currency control at such transfer the free. Transfer 2> 3 too free, and visible currency control is not present. But thus at direct transfer 1> 3 currency control not the free! By the way, possibility is applied on account in the Point to do conversion at almost market rate (technically enough inconvenient because the course changes two times a minute while comes confirming , it can change and then it is necessary operation on the second, and sometimes and on the third circle to twist). Course there really good so can even is to hold sense on account in dollars, and as required to convert there in roubles, and to deduce already them. Ridiculously that if the course appears better a Central Bank rate the tax pays from a difference, and the physicist does not pay. Perhaps there and to the physicist give access to an exchange at a market rate, but I somehow at all was not interested.