[Yandex Cloud documentation](../../index.md) > [Yandex Cloud Billing](../index.md) > [Step-by-step guides](index.md) > Paying for services > Topping up your personal account

# Top up your personal account

You can monitor your balance in [**Yandex Cloud Billing**](https://center.yandex.cloud/billing/accounts):
- Your balance automatically decreases as you consume resources. You can view your usage history on the [usage details](check-charges.md) page.
- Your balance increases when you top up your account. The top-up record is logged to the [payment history](check-bill-history.md).

Yandex Cloud reserves the right to automatically debit your linked card during the current reporting period if your account balance exceeds the established credit limit.


The method for topping up your personal account depends on your legal status.

{% note info %}

A billing cycle runs automatically for [individuals](../payment/billing-cycle-individual.md) as well as [businesses and individual entrepreneurs](../payment/billing-cycle-business.md) if they have a bank card linked to their billing account.

{% endnote %}

You can top up your account in Yandex Cloud Billing or in the management console widget.

To top up their accounts, users need the following roles:

* `billing.accounts.owner` for the [billing account](../security/index.md#set-role) to top up personal accounts using a credit or debit card.
* `billing.accounts.editor` or higher for the [billing account](../security/index.md#set-role) to top up personal accounts using a bank account.
* `resource-manager.clouds.member` or higher for the [cloud](../../resource-manager/operations/cloud/set-access-bindings.md) to top up personal accounts from the management console.

## Individuals {#individuals}

To top up your personal account:

{% list tabs group=instructions %}

- Yandex Cloud Billing interface {#billing}

  1. Go to [**Yandex Cloud Billing**](https://center.yandex.cloud/billing/accounts).
  1. Select a billing account.
  1. Click **Top up account**.
  1. In the window that opens, enter the payment amount and click **Top up account**.
  1. Choose [how top up your balance](../payment/payment-methods-individual.md):
        * SBP (Faster Payment System):
           1. Click **Pay via SBP**.
           1. Scan the QR code using your bank’s mobile app and confirm the payment.
     
           {% note info %}
           
           Topping-up via SBP is only available if the selected payment system supports it.
           
           {% endnote %}
     
        * Credit or debit card associated with your [Yandex ID](../../iam/concepts/users/accounts.md#passport).  
        * Adding a card:
           1. Enter your card details.
           1. Click **Pay**.

- Management console {#console}

  1. Open the [management console](https://console.yandex.cloud).
  1. In the top-right corner, click ![credit-card](../../_assets/console-icons/credit-card.svg).
  1. In the widget that opens, click **Top up account**.

      To change the visibility of private data, use the ![image](../../_assets/console-icons/eye-slash.svg) and ![image](../../_assets/console-icons/eye.svg) buttons.
  1. In the window that opens, enter the payment amount and click **Top up account**.
  1. Choose [how top up your balance](../payment/payment-methods-individual.md):
        * SBP (Faster Payment System):
           1. Click **Pay via SBP**.
           1. Scan the QR code using your bank’s mobile app and confirm the payment.
     
           {% note info %}
           
           Topping-up via SBP is only available if the selected payment system supports it.
           
           {% endnote %}
     
        * Credit or debit card associated with your [Yandex ID](../../iam/concepts/users/accounts.md#passport).  
        * Adding a card:
           1. Enter your card details.
           1. Click **Pay**.

{% endlist %}

We accept Visa, and MasterCard.

* Residents of Russia make payments in RUB and can only use bank cards issued by Russian banks.
* Residents of Kazakhstan make payments in KZT and can only use bank cards issued by non-Russian banks.
* Non-residents of Russia and Kazakhstan make payments in USD and can only use credit or debit cards issued by non-Russian banks.

Your payment will be processed in real time and completed within 15 minutes.

## Businesses and individual entrepreneurs {#legal-entities}


To top up your personal account:

{% list tabs group=instructions %}

- Yandex Cloud Billing interface {#billing}

  1. Go to [**Yandex Cloud Billing**](https://center.yandex.cloud/billing/accounts).
  1. Select a billing account.
  1. Click **Top up account**. This button is only available after [switching to paid consumption](activate-commercial.md).
  1. Select a payment method:
     
       {% list tabs group=payments %}
     
       - Wire transfer {#transfer}
     
           Enter the payment amount and click **Issue receipt**.
     
           The system will generate a payment invoice. Print the invoice and use it to make a payment in a bank or using a banking client system.
     
           Before paying, please make sure the following is correct in your payment order:
           * Payment amount.
           * Banking details of Yandex.Cloud LLC (for Russia), Cloud Services Kazakhstan LLP (for Kazakhstan), Iron Hive doo Beograd (Serbia), or Direct Cursus Technology L.L.C. (Dubai) (for non-resients of Russia and Kazakhstan).
     
             {% note info %}
             
             Non-residents of Russia and Kazakhstan must specify bank account details of the legal entity with whom the [agreement](../concepts/contract.md) was concluded on [billing account creation](create-new-account.md).
             
             {% endnote %}
     
           * Your company or individual entrepreneur TIN.
           * [Account number](../concepts/personal-account.md#id) in the payment purpose.
           * [Agreement number](../concepts/contract.md) in the payment purpose.
     
           [How fast the funds will be credited to your personal account](../payment/payment-methods-business.md#limits) depends on the bank performing the transaction.
     
           {% note info %}
           
           The invoice must be paid from a bank account opened for the business or individual entrepreneur the billing account was registered for. Within a single user account, all payers must pay in the same currency.
           
           {% endnote %}
     
       - Credit or debit card {#card}
     
         Enter the payment amount and click **Top up account**. Then enter your card details and click **Pay**.
     
         We accept Mir, Visa, and MasterCard.
         
         * Residents of Russia make payments in RUB and can only use bank cards issued by Russian banks. Customers with tax residency in the Republic of Belarus pay for Yandex Cloud services in RUB with their Belcard cards issued in the Republic of Belarus or Mir cards issued in the Russian Federation.
         * Residents of Kazakhstan make payments in KZT and can only use bank cards issued by non-Russian banks.
         * Non-residents of Russia and Kazakhstan make payments in USD and can only use credit or debit cards issued by non-Russian banks.
     
         Your payment will be processed in real time and completed within 15 minutes.
     
       - SBP (Faster Payment System) {#sbp}
     
         {% note info %}
         
         Topping-up via SBP is only available if the selected payment system supports it.
         
         {% endnote %}
     
         Enter the payment amount and click **Top up account**. Select the SBP top-up method and click **Pay via FPS**.
           
         Scan the QR code using your bank’s app and confirm the payment.
           
       {% endlist %}
  
- Management console {#console}

  1. Open the [management console](https://console.yandex.cloud).
  1. In the top-right corner, click ![credit-card](../../_assets/console-icons/credit-card.svg).
  1. In the widget that opens, click **Top up account**. This button is only available after [switching to paid consumption](activate-commercial.md).

      To change the visibility of private data, use the ![image](../../_assets/console-icons/eye-slash.svg) and ![image](../../_assets/console-icons/eye.svg) buttons.
  1. Select a payment method:
     
       {% list tabs group=payments %}
     
       - Wire transfer {#transfer}
     
           Enter the payment amount and click **Issue receipt**.
     
           The system will generate a payment invoice. Print the invoice and use it to make a payment in a bank or using a banking client system.
     
           Before paying, please make sure the following is correct in your payment order:
           * Payment amount.
           * Banking details of Yandex.Cloud LLC (for Russia), Cloud Services Kazakhstan LLP (for Kazakhstan), Iron Hive doo Beograd (Serbia), or Direct Cursus Technology L.L.C. (Dubai) (for non-resients of Russia and Kazakhstan).
     
             {% note info %}
             
             Non-residents of Russia and Kazakhstan must specify bank account details of the legal entity with whom the [agreement](../concepts/contract.md) was concluded on [billing account creation](create-new-account.md).
             
             {% endnote %}
     
           * Your company or individual entrepreneur TIN.
           * [Account number](../concepts/personal-account.md#id) in the payment purpose.
           * [Agreement number](../concepts/contract.md) in the payment purpose.
     
           [How fast the funds will be credited to your personal account](../payment/payment-methods-business.md#limits) depends on the bank performing the transaction.
     
           {% note info %}
           
           The invoice must be paid from a bank account opened for the business or individual entrepreneur the billing account was registered for. Within a single user account, all payers must pay in the same currency.
           
           {% endnote %}
     
       - Credit or debit card {#card}
     
         Enter the payment amount and click **Top up account**. Then enter your card details and click **Pay**.
     
         We accept Mir, Visa, and MasterCard.
         
         * Residents of Russia make payments in RUB and can only use bank cards issued by Russian banks. Customers with tax residency in the Republic of Belarus pay for Yandex Cloud services in RUB with their Belcard cards issued in the Republic of Belarus or Mir cards issued in the Russian Federation.
         * Residents of Kazakhstan make payments in KZT and can only use bank cards issued by non-Russian banks.
         * Non-residents of Russia and Kazakhstan make payments in USD and can only use credit or debit cards issued by non-Russian banks.
     
         Your payment will be processed in real time and completed within 15 minutes.
     
       - SBP (Faster Payment System) {#sbp}
     
         {% note info %}
         
         Topping-up via SBP is only available if the selected payment system supports it.
         
         {% endnote %}
     
         Enter the payment amount and click **Top up account**. Select the SBP top-up method and click **Pay via FPS**.
           
         Scan the QR code using your bank’s app and confirm the payment.
           
       {% endlist %}

{% endlist %}