Has your piggy bank finally filled up, your wallet has become heavy with iron money, or does the income come to you in the form of coins on duty? In such a situation, you will certainly someday ask yourself: "Where to exchange a trifle for paper money?" We will reveal some secrets to help you do this quickly and without any problems.
Deposit opening
Naturally, most of us will first carry the bag with the accumulated trifle to the bank. And they will be surprised to find that the cashier has every right not to provide exchange services to you! However, do not rush to leave the bank in anger. You can go for a little trick - ask the operator to open a “call deposit” deposit. And then - replenish the account for the amount that you brought. In this case, at the checkout, your money simply can not accept, even if you brought coins of 10 cents.
And then you can terminate this deposit at least on the same day, having received the deposited amount by normal paper notes. However, we do not advise you to rush into this - nothing prevents the cashier from giving you money back with your own coins. Therefore, it is better to come for savings on another day, when the shift will work or when the employee’s chagrin for you for the dreary count of coins will subside.
You can also divide your wealth into several parts and open similar deposits in different branches, so as not to overload the cash register employees. An alternative way is to pay off the loan debt with a trifle, pay utility bills at the cash desk or draw up a card of the so-called "instant issuance". Remember that under Art. 16 Federal Law "On Protection of Consumer Rights", as well as Federal Law No. 318-P, in this case, you should not be charged any fee for counting coins.
Exchange at the bank
Whatever the cashier tells you, but, according to Art. 5.8 of the Central Bank of the Russian Federation dated 24.04.2008 "On the procedure for conducting cash transactions", banks nevertheless provide services of exchanging money of small denominations for large ones, and vice versa. But this is not so simple. For the owner of iron wealth, this is fraught with a lot of inconvenience. We will tell you how to exchange a trifle in Sberbank (and other banks work on a similar principle):
- The Bank is authorized to make such an exchange with the commission - usually it is 3-5% of the total amount (Article 29 of the Federal Law No. 395-1).
- The applicant must present a passport or other document proving his identity.
- Accumulations must not lie by a common pile, but be sorted by value. Without this, the cashier may not accept the money - the calculating machines break down from counting coins of different denominations.
- Be sure to draw up a free-form written statement, which indicates:
- FULL NAME. applied;
- the total amount of money brought in for the exchange (in numbers and words);
- detailed decryption of the brought (1 kopeck - 123 pieces, 5 rubles - 10 pieces, etc.);
- signature.
Some branches of Sberbank are also equipped with special automatic machines where you can exchange small change for banknotes, as well as terminals that can accept small change as payment for services. However, finding such devices is rare, so you should call the hotline and ask where such terminals are located in the immediate vicinity.
Exchange in the Russian Post
Where to hand over a trifle still? Post offices still perform operations, the cost of which is concretized to cents, so a trifle is in use there. It is likely that the operator will exchange your savings very willingly.However, he is not obliged to do this, and may well refuse, if there is a lot of little things at your ticket office behind your back, or he just doesn’t want to mess with the recount. Therefore, it is best to visit the branch on the morning of a weekday, when there are not so many customers, and bring a bag with coins of non-terrifying size.
In payment terminals
We continue to list places where it is possible to exchange a trifle for paper money. Pay attention to terminals like QIWI with openings for accepting coins. Paying through them for online purchases or utilities, you will get rid of your iron deposits after a certain time. In Moscow, for example, there is a network of Coincom.ru terminals that just accept coins for payment. However, the commission for such a payment is corresponding - more than 10% of the amount.
Self-checkout counters
In many large hypermarkets, payment for the purchase is not carried out at the cashier, but with a special coupon in the terminal. The latter have the option of accepting payment of not only paper money, but also little things.
Where to exchange a trifle for paper money in this way? In a number of chain stores:
- Auchan.
- "Crossroads."
- "Magnolia".
In vending machines with food and drinks
In this case, you need to go for a little trick:
- Download the little thing to the device, and then click on "Cancel action". The machine will return you loaded in a larger denomination.
- Not all machines have a Cancel button. But many give change. Therefore, where to pass the trifle is already obvious. Put your coins in the device and select the cheapest product. It is very likely that the change will be counted out as “ten rubles” or “five rubles”.
Pay with coins
The easiest way is to slowly get rid of your little things every day by buying something you need on it. Where can I exchange a trifle for banknotes? Pay for it - taxi drivers often do not have enough change for change. You will not lose if you go to the pharmacy with coins - in some departments there is an acute shortage of them. However, in these cases, you need to bring small handfuls of iron money with you so that the employee does not spend a lot of time counting them.
Well, actually, that’s all we wanted to tell you about where to exchange a trifle for paper money. You just have to choose a convenient method for yourself and get rid of the accumulated coins.