Banks have 216 times digital rubles. What about customers? In September, digital ruble balances in the banks' own accounts grew from 61 million to 13.2 billion rubles. These data were published by RBC on October 28, after studying the reports of 33 banks. The figure is impressive, but the mass transition of citizens to digital rubles does not confirm it in itself. As the central bank explained to the publication, we are talking about the money of the banks themselves. Client funds are handled separately on the regulator's platform. Banks need their own supply of digital rubles to transact with customers. However, the balance on a particular date does not show how often people pay or transfer money. The same quantity can be used in calculations many times. For users, the conditions do not change from these statistics. Opening an account remains voluntary; You cannot automatically transfer your payments there without consent. The central bank does not accrue interest on the digital ruble balance. Therefore, transferring money from an interest-bearing account to a digital wallet means that you will not receive more income from the deposit, keep this in mind.