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Central Bank Decides to Make Budget Payments in Digital Rubles Commission-Free for All

The Central Bank of Russia has decided to make all payments to the state budget using the digital ruble commission-free for both citizens and businesses. This policy, with zero fees for all transaction types, will be in effect from January 1, 2026, until the end of that year. Starting in 2027, certain transactions will incur fees. These include a 15-ruble fee for transfers between legal entities, a 0.3% commission (capped at 1,500 rubles) for transfers from individuals to legal entities (excluding utility bills, paid by the recipient), and a 0.2% fee (capped at 10 rubles) for individual utility payments (paid by the recipient). From September 1, 2026, the largest banks must provide all clients with the ability to open digital ruble wallets. Russians will also be able to receive their salaries in the digital currency. A mandatory rollout schedule was outlined: the 12 largest banks must support operations by September 2026, followed by companies with revenue over 120 million rubles. Smaller companies and all banks will be phased in through 2028. The article notes that Russia is one of the first countries to launch a national digital currency, which is designed for payments only and does not accrue interest. It contrasts this with China's digital yuan (e-CNY), which reportedly did not see high public demand initially. To boost adoption, China's regulator will allow commercial banks to pay interest on digital yuan holdings starting in 2026.

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