Life hacking: buying currency in Sberbank without commission
It was necessary to buy the euro the other day, looked at the courses on the sites, it turned out that the most profitable was from Sberbank. After the call to them, it turned out that there was no euro in cash in the office that was open until late. For a number of reasons, it was necessary to convert rubles to euros on the same day. Therefore, it was decided to make a deposit in euros, deposit funds in rubles, and the next day pick up in euros.
Flexible course
Sberbank has a flexible course. up to 1000 one course, from 1001 another (better for the client) therefore it turns out that it is cheaper to buy 1001 euros than 1000 (we pay less, we get more)
Cashless conversion
As a result, I found out that they have a commission for currency operations. Up to 1000 ye - 30 rubles, after 1000 - 70 rubles. What puts in place all the problems with a flexible rate, because due to the difference in the commission rate is almost aligned. But not in my case! Since I was conducting a cashless conversion - I was released from the commission. ')
Thus, if you feel sorry for paying a commission, but you have a little extra time, you can not buy the currency for cash, but put the money on the deposit in the currency you need and immediately withdraw it. Maybe in other banks there is something like that.