From 2026, banks and merchants will switch to the digital ruble and a unified QR code.

From 2026, banks and merchants will switch to the digital ruble and a unified QR code.

      The State Duma has passed a law that initiates the phased implementation of the digital ruble and a unified QR code in the banking system and trade. The new procedure will come into effect on September 1, 2026, reports interfax-russia.ru. Banks will be required to provide clients with access to transactions with digital rubles. Initially, this will apply to systemically important organizations, and then to all others. Trading companies with revenue over 120 million rubles will also be obligated to accept digital ruble payments if they have a contract with the relevant bank. At the same time, the use of a universal payment QR code is introduced, which will become mandatory for all banks. This code will simplify the money transfer process and be free for users. It will not affect international transfers.

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From 2026, banks and merchants will switch to the digital ruble and a unified QR code.

The State Duma adopted a law on phased integration into digital payments and a new settlement system.