When you buy or sell dollars, it is always upsetting that in exchange offices, when buying, they are more expensive than when selling. If you can put up with this with a one-time exchange, then for those who often change currency, bank fees turn into significant monetary losses. In addition, it becomes extremely difficult to make money on currency exchange because of these interest rates. However, today citizens have the opportunity to sell and buy dollars at the Central Bank rate without commission.
Today, going to the bank is not the only way to buy or sell dollars. Ordinary citizens have the opportunity to get direct access to the foreign exchange market of the Moscow exchange. To do this, you need to open a brokerage account with a specialized organization. It will make it possible to trade currencies at prices on the basis of which the official rate of the Central Bank is determined.
The offer becomes especially relevant during the crisis, when there is high volatility in the foreign exchange market, and banks increase the difference (serid) between the purchase and sale prices of foreign exchange. The costs of using a brokerage account are sometimes only hundredths or thousandths of a percent. At the same time, to carry out the operation, you do not need to go anywhere, and the withdrawal of currency is possible to a bank account.
Of course, first of all, brokerage accounts for buying or selling dollars at the Central Bank rate without a bank commission are of interest to businesses, professional traders, as well as individuals who have loans in foreign currency and earn in rubles. But ordinary citizens who, for example, are going on a trip abroad and want to buy currency at no extra cost, can also use them to their advantage.
It is worth noting that with the help of a brokerage account, you can buy and sell not only dollars and other currencies, but also securities (stocks, bonds), but this offer is interesting to a much smaller circle of people who consider themselves as investors.
