To receive funds in cash from a Qiwi wallet, you should take care to link it to the wallet itself plastic card VISA systems. This option is convenient because card servicing is free, you can easily withdraw cash from the card at any ATM or manage funds through the website. It will be possible to top up the card for free and use it all over the world. Naturally, after you start VISA card and link it to your wallet, it will take time for your application to be processed. So. If you plan to withdraw money from Qiwi in the near future, you will need to link your card in advance.

How to withdraw money from your phone to Qiwi?

Advice from Sravni.ru: In the interface of your own Qiwi wallet, you can view what operations are performed on it in the “Reports” section. You can also print it there if needed. payment order about one or another completed financial transaction.

Participation in even one of the popular lotteries on the Stoloto website often ends in winning for people. Some have played in Gosloto and know all the possibilities of using the money received. It will be useful for a novice user to learn how to withdraw money from a Stoloto wallet. To do this, he needs to register on the official Stoloto website and connect an electronic wallet. A mobile application will help ensure constant access to the site.

Methods for withdrawing funds from the Stoloto wallet

You should start by transferring the winnings received on the site to the Stoloto wallet. And from it you can carry out operations to withdraw money to:

• bank card;
• electronic payment systems;
• mobile phone.

In addition, you can transfer money using free details or make an online transfer through the Unistream system.

You must receive your winnings within six months after the draw. Methods of receiving money will depend on the amount:

1. Up to 100,000 rubles will be transferred to a Stoloto wallet, issued in cash, or transferred to a bank card or e-wallet.
2. From 100,000 to 1,000,000 rubles will be issued by bank transfer upon application from the user, which must be sent to the official representative of the company.
3. Over 1,000,000 rubles can only be processed at the central office in Moscow.

In order to withdraw funds and transfer them to external resources, you will have to pay a small commission. It is installed by the payment system. A commission fee will be charged for almost all withdrawal methods. This can only be avoided by sending money to the Unified Wallet.

Receiving cash

Important! It is possible to receive winnings in the form of cash at a retail ticket sales point. But this right can only be exercised by those persons who purchased the ticket for cash.

Each point of sale can have its own limit on cash withdrawal. It ranges from 2,000 rubles to 100,000 rubles. Therefore, if you win big, you will have to look for a seller who can cash out a successful ticket. If the ticket was purchased online or at a terminal, then the winnings can only be received by bank transfer.

If the user account is not confirmed, you can only top up the mobile phone account of any mobile operator from the Stoloto wallet. To do this, in your personal account:

Officially, the withdrawal period can range from 5 minutes to 48 hours. But usually they arrive on your mobile phone account on the same day.

Money from the Stoloto wallet can be withdrawn to MasterCard and Visa cards of Russian banks. To do this. need to:

1. Go to Personal Area and go through identification.
2. On the payment method selection page, indicate your bank card.

The user will be charged a fee for performing this operation. This service is not available to a user who has not passed authorization.

You can withdraw and transfer money to such electronic payment services as QIWI wallet, Yandex.Money, WebMoney, Wallet Unified. This option is available only to an authorized user. To perform an operation from the Stoloto wallet you need to: Visit Main office the company will have to those who are lucky in the form big win. It is located at the address: Moscow, Volgogradsky Prospekt, building 43, building 3. The nearest metro station is “Textilshchiki”. You should bring your passport with you. At the office, you will need to fill out an application for the issuance of money, indicating the details of the personal bank account to which the funds should be transferred. Therefore, you also need to have them with you. A company employee will check the documents, and after a few days the winnings will be credited to the recipient’s account.

You can receive your winnings in cash at the company office. But the terms of issue may depend on the amount. On the day of application, up to 100,000 rubles will be given out. Winning tickets worth more than 100,000 rubles will be subject to additional verification. The company does not recommend receiving money in the amount of more than 1,000,0000 rubles only by non-cash methods. To remove them, you must first agree on a visit date.

Hello everyone, I’m with you again, Maxim Matveev! Today the article will be hot, and all because along the way I’ll tell you how one, I apologize for the expression, deceived me back in two thousand and two. So many years have passed, but I still remember this lesson.

Today we will talk about a very important question, when each of you starts earning money on the Internet, the following question will probably arise: “How to withdraw money from an electronic wallet?” Indeed, it’s not enough to earn money; you still need to somehow convert it into cash.

Why is this question relevant to absolutely everyone?

The fact is that the money in any electronic wallet, be it , or , is intended only for the so-called Internet commerce, that is, in order to make purchases on websites, pay for any services, but come to a car dealership and buy yourself a Mercedes with Using an electronic invoice, you most likely will not succeed. Also, there are cases when people, having replenished their account, suddenly realize that they do not intend to use it, and then they need to withdraw these funds back, there are different situations, but in any case, in order not to miss this question, read the article until end.

Personally, when I first started withdrawing my money to real accounts, this process was very murky for me. I stupidly didn’t know how to do this, I was just afraid to withdraw them, although the amounts were not large, but these were my hard-earned money.

In short, for the first time I withdrew my savings to a bank account, through an exchanger, and I almost got sick of shit, since this one just took a long time, about 5 days. Of course, some will say that it takes a long time, usually it’s faster and much faster, but don’t forget about time - it was 2011 and then practically everything was not automated, you had to wait, and it could have flown by, because I practically didn’t know what kind of exchanger it was and how does it work, is it deceived or not. That’s why I’ll describe to you some withdrawal methods so that you don’t miss out in the future. And in the end I received everything and was satisfied.

If it’s not difficult, then describe in the comments what methods you yourself use.

I'll tell you about the best ways to withdraw money from email. wallet, let's go

Withdrawal via exchanger

The first and probably the most popular method is the so-called exchange sites. What it is? These are special resources for withdrawing funds from electronic accounts to bank accounts, that is, those that can be used in everyday life to pay for various things, for example: groceries or a Mercedes at a car dealership.

The main disadvantage of such systems is that they have already accumulated on the network. huge variety, and therefore each of you will have to do your own mini analysis of everything that is offered to you. There are good exchangers that have been verified by people, and it is safe to work with them. But even if you are not deceived, there is still a chance to get scammed, because of the courses that are available on every such site.

When choosing a reliable exchanger, your task is also to find the most profitable proposition, but don’t be fooled by exorbitant rates, there’s still no freebie at all.

What happens if you don’t take the choice of an exchanger seriously?

But now the hardest part will begin, forgive me in advance for possible swear words, emotions still overwhelm me.

At the beginning of the article, I promised to tell you how I once became a loser who was deceived from the promised easy money. It was like this: when I just started working on the Internet, I, of course, soon had to use the services of exchange sites.

Without hesitation, I typed the required query into the search engine, opened the first link that caught my eye and began to read what these magical exchanges were. Unfortunately, a window immediately popped up in which a certain fucking consultant offered his “help” (Yeah, he helped, damn it, idiot). So, this talkative creature opened the world for me free money, the essence of his proposal was simple, I needed to exchange all my money at one of the exchangers, with a not very favorable rate, although not very high. After this, a unique opportunity opened up for me to make an exchange through a supposedly unique site, inaccessible to the average user, and the rate on it, oddly enough, was in my favor.

Based on the results of two exchanges, I should have remained in the black. Well, for example, I had one hundred dollars, after the first operation I only had ninety-eight left, but after their damn unique website I should have had one hundred and five dollars. Of course, an income of five dollars is not great, but considering that I don’t need to do anything and it will only take five minutes, I was very happy with this offer.

Well, like a fool, I decided to try, took all my money and made the first exchange, everything went with a bang. Well, as you can easily guess, after sending money to the miracle exchanger, I never saw them again. It's a shame... But now I've stopped being so naive, which is what I teach you, don't see me for free, there's no such thing, believe me.

• Monitoring exchangers- (this site tracks all existing exchangers and compares their rates);
• Exchanger - (connected more with Russian wallets);
• Exchanger - (more related to foreign currencies and wallets).
• Exchanger - (at this moment can be withdrawn from Webmoney to Yandex)

Let's return to our topic.

There are quite a few ways to withdraw earned funds, but they are all similar to what I talked about in my previous article “”, with the only difference being that we will do everything in reverse.

Let's remember the main ways to replenish electronic accounts

• Through the bank;
• Transfers from bank cards;
• Through special mobile terminals;
• Through a third party.

The risks are basically the same and the benefits too, but let’s briefly remember them.

If your bank branch is located near your home, there are never queues there, and you have a car and a small cart of free time, then the first method is right for you.

If you don’t have much time, but you know how to handle mobile banking, then pick up your phone and calmly transfer money from your electronic account.

Using special terminals is a way for those who keep up with the times, this is not a difficult task, but for a beginner it is sometimes overwhelming. Understand the enormous functionality of these machines and your life will become much easier.

The last method is for the bravest or for those for whom other methods are simply not available. Put aside your fear, find a good, honest person and ask him to help you withdraw money from your wallet.

Video - Example: how to withdraw money from an electronic wallet

Let's sum it up

The issue of withdrawing money from electronic accounts, as you understand, is very important, and sometimes not as simple as it might seem at first glance. They can deceive you at every step, just as they once deceived me. But in any case, you will not be able to avoid the withdrawal procedure, so feel free to try different ways, start with small amounts, even if you fall into the network of scammers, at least it won’t be so offensive.

But I sincerely hope that you will listen to my advice and be more careful in choosing exchange sites and third parties to help you, then no criminal will see your savings.

I hope this article was as useful and interesting for you as all the previous ones. Don't forget to subscribe to my YouTube channel, there's a lot of interesting stuff there too! Ask questions in the comments, I will be happy to answer each of you.

Your Maxim Matveev was with you - “Believe me, I know what I’m doing.”

Tax burden on initial stage can be seriously reduced by legal methods. Simple and effective method- buy a patent. But it is limited: only for individual entrepreneurs with a strict number of income, types of activities and employees. With a patent, services cannot be provided to legal entities.

How else to optimize taxes?

Tax office's opinion

If the activity is not registered, it is an offense.

The law of the Russian Federation considers an entrepreneur to be someone who constantly receives money from property, goods or services. The key point is regular profit. The sale of an apartment or car, a reward for a one-time service, is a one-time income that does not require registration of an entrepreneur. Payments affiliate networks, sale of goods, permanent paid services- entrepreneurial activity that the state “wants to know” about.

Regular bank transfers to a current account individual or plastic cards- proof of multiple income receipts. Banks, on their own initiative, block “suspicious” transactions and report them to the tax service. The Law “On the National Payment System” equated electronic money to non-cash transfers, so payment messages also “scream” about entrepreneurial activity. The exception is the regular rental of your own housing and transport, as well as teaching and consulting. Here an individual pays 13% per year, and in this case it is also more profitable to register an individual entrepreneur.

Punishment for violations

An entrepreneur will be punished for lack of registration and non-payment of taxes - administratively or criminally. Maximum size liability - imprisonment for 6 years, and the form depends on the violation, income, and the amount of hidden tax.

What about others?

The tax system of neighboring countries - Ukraine, Kazakhstan, Belarus - differs from the Russian one. According to Article 164 of the Code of Ukraine on Administrative Offences, registration of individual entrepreneurs is strictly mandatory. A freelancer risks a fine of up to 8,500 hryvnia and confiscation of all money earned. There is also criminal liability.

Individual entrepreneurs who:

• use hired labor on a permanent basis;
• have a total annual income from entrepreneurial activity, calculated in accordance with tax legislation, in an amount higher than the non-taxable amount of total annual income established for individuals legislative acts Republic of Kazakhstan.

Under Article 295 Tax Code of the Republic of Belarus, individuals not registered as individual entrepreneurs, has the right to independently, without involving other individuals, carry out certain types of activities under labor and civil law contracts. Moreover, an entrepreneur without registration bears full responsibility for business activities under obligations, contracts and transactions and cannot refer to lack of registration.

"Invisible" amounts

You can freelance without registration and without conflicts with the law at the very beginning with low income. Their exact size is not indicated anywhere, but there is a hint in the law “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism” dated August 7, 2001 No. 115-FZ. Banks are required to report to Rosfinmonitoring any transactions over 600 thousand rubles. This is what the “ceiling” looks like for those who reduce the amount of the transaction and remain in the shadows for tax authorities and other authorities. The “ceiling” is fragile due to banks that block accounts with suspicious transactions.

It is not only the size of the operations that is important, but also their regularity. If an individual's account accepts a small amount of money every day, it risks being blocked, and without official documents funds will be lost. Sooner or later you will have to explain the source of your income. We recommend registering and “sleep peacefully.”

U electronic money after release federal law“On the national payment system” dated June 27, 2011 No. 161-FZ, subtleties appeared.

Optimization of work in electronic payment systems

“White” LLCs or individual entrepreneurs use a corporate electronic wallet linked to a current account. All funds received pass through it, which are reflected in accounting as non-cash payments and are fully taken into account when paying taxes.

Conduct business activities through individual accounts in payment systems. WebMoney, Yandex.Money, Qiwi, PayРal, Neteller - everyone can easily open an electronic wallet in any system, and the Capitalist service will allow you to withdraw earnings to their card and then withdraw them without tax losses.

WebMoney

After the release of the law “On the National Payment System”, the units of account of the popular WebMoney (WM) became property rights, or securities with additional taxation. We have already written about this. Therefore, it is better for organizations not to work with WM, unlike individuals.

Let's look at the nuances using an example. Input data:

• entrepreneurial activity - affiliate programs;
• receipts to WM wallet;
• transfers every few days.

Question 1: “Is accepting payments on Webmoney subject to tax?”

WM is not electronic money, and income is generated at the time of withdrawal or cashing out. In Yandex.Money or Qiwi, the situation is legally different. The Law “On the National Payment System” equates electronic money to non-cash. All payments by entrepreneurs are considered income from the moment they appear on the electronic wallet.

In W.M. tax control begins when withdrawing funds to a bank account or bank card. Banks report such transactions to the tax service and block particularly “suspicious” ones until the reasons are clarified. It is possible that WM itself will cooperate with tax authorities.

Answer 1: accept money on WM without hassles with the tax authorities, make transfers within the system to other wallets, pay for purchases.

Question 2: “How to withdraw money from WM?”

Also, intermediaries - dealers or exchange offices. You send money to their WM wallet, and they transfer the funds to your bank account or give you cash. The second option is better, because if the current account of an individual receives money from legal entity, this is treated as income.

Intermediaries act legally at a tariff: 3% + system commission 0.8%, but not more than 1,500 rubles. Contact reliable intermediaries with the following characteristics:

• formal certificate and identification with online document upload;
• requirement of a passport to verify data with a certificate so that it cannot be transferred to another person.

Answer 2: withdraw funds through intermediaries by cashing out.

Question 3: “Are there any restrictions?”

The WM payment system formally allows significant transactions to be carried out through an electronic wallet. She leaves this up to the discretion of the users. Yandex.Money and Qiwi prohibit using your wallet for commercial activities.

If the volume of transactions is significant, use “safety nets”. No one excludes cooperation between tax authorities and WM in the near future. Therefore it is reasonable:

• make operations less than 100 thousand rubles;
• create several wallets for trusted people;
• use different exchange offices so as not to be exposed;
• not only accept money into your wallet, but also use it to pay for Internet services, including those not related to business activities.

Answer 3: There are no restrictions yet, but it is useful to be on the safe side.

Yandex.Money (YAD)

After the release of the law “On the National Payment System,” Yad specifically explained on his website in “Questions and Answers”: “Legal entities and individual entrepreneurs cannot accept payments to a Yandex.Money wallet.”

Commercial activities on the YaD violate the rules of this payment system. Online wallet may be blocked. The YaD security service is quite picky and sometimes shows zeal even for unimportant reasons. What opportunities are there? Registering as an anonymous user only allows you to pay for purchases. Full-fledged work without personal identification is impossible. Another option is to register several wallets for trusted people to transfer small amounts.

It is also a good idea to use poison for its intended purpose, i.e. make purchases in stores and services. In this case, the wallet will not attract poison workers. Similar advice can be given for bank cards.

Kiwi (QIWI) works in a similar way and considers wallets only for individuals.

Taxes for “white” online businesses

Be careful! We do not recommend using tax optimization methods. The online sphere is not yet well regulated, but the process is active, and tax service from time to time “covers up” these methods. We advise you to insure yourself in advance and comply with tax laws.

Withdrawal in real money

We will separate regular cash withdrawals of small amounts (up to 100 thousand rubles per month) and large ones (from 1 million rubles).

Let's consider cashing out from electronic payment systems. We withdraw up to 100 thousand rubles per month.

There is an option to withdraw money through a payment system account. For example, Capitalist allows wallet owners to transfer funds to their account to later withdraw them.

Large cash out

To regularly cash out large amounts - 100-500 thousand rubles per month - you can use different methods. Working with payment systems here comes down to splitting amounts and wallets. A good option is to work with an intermediary for cashing out, especially for amounts over 1 million per month.

Regular cash out

This is a classic cash withdrawal from company accounts, not from electronic wallets.

The tax authorities declared these schemes illegal:

• “fly-by-night” – temporary organizations for cashing out;
• “spacers” – organizations between “one-day” companies and the main company.

Therefore we do not consider them.

Individual entrepreneurs have the right to freely withdraw funds from circulation, cash or non-cash. His business assets and personal property are not separated. Also, an individual entrepreneur can donate funds to individuals without increasing them tax base according to personal income tax. Let's use this:

1. Choose a friendly individual entrepreneur. It is important that the individual entrepreneur actually provides services for your organization.

2. We check the requirements for the operation:

• business purpose;
• economic feasibility of expenses;
• documentary evidence of expenses;
• lack of interdependence of participants.

3. Choose the right one tax regime for individual entrepreneurs.

4. We leave a significant part of the income with the individual entrepreneur and withdraw it through cash.

5. Select a cash out option:

• don't pass cash proceeds(no more than 100 thousand rubles);
• transfer via check or individual entrepreneur card with the purpose of the operation “for the expenses of the entrepreneur.” The bank may request supporting documents for the use of previously issued funds and refuse the transaction;
• translate to your debit card an individual;
• transfer to your individual account, preferably a deposit account.

6. We transfer the funds back to the main company. We formalize this legally through a gift or loan agreement.