WebMoney is the most secure service, the money lying on it will be completely safe. QIWI is distinguished by quick registration in the service. Your phone number will be the wallet number. Yandex.Money also has its advantages: relative protection and simple registration. The wallet starts automatically with the registration of mail on Yandex.

How to withdraw money from WebMoney

WebMoney is one of the most popular electronic wallets. Since the service does not have its own payment card, like QIWI and Yandex.Money, in order to withdraw cash, you have to use all kinds of services and exchangers.

One of the most accessible services for withdrawing money to a card of Sberbank and other banks is https://c2c.web.money/order/create. However, this service does not recognize all bank cards. For the most common cards, the withdrawal is carried out with a commission of 2.5% within three days. If money is not transferred to your card, then you can use one of the many exchangers: for example, http://xrates.ru/.

The second way to withdraw money from WebMoney is to the Megafon card that has begun to gain popularity. In fact, there is as much money on the card as there is on the phone account. Therefore, it is quite easy to translate the right amount to a Megafon phone account with a standard WebMoney commission of 0.8% and the money will immediately appear on the card. You can withdraw cash from the card at an ATM of any bank with a commission of 2.5%.

Another convenient and fast way withdrawal of money from WebMoney - use the money transfer systems Unistream, Contact and others. To make a transfer, you need to transfer money to phones (the most profitable are MTS and Beeline - from 3.5% to 4.5%) and from phone accounts, using the online account, issue a Unistream transfer. Money comes almost instantly. You can receive a Unistream transfer at Unistream cash desks and at many banks that serve these transfer systems. This also applies to other translations.

If there is no need to quickly receive money, you can use other cash withdrawal methods:

• directly through money transfer systems https://perevod.webmoney.ru/ by creating an application;
• by bank transfer within one day, also through the creation of an application https://wire.exchanger.ru/asp/List.aspx;
• through VM dealers, the withdrawal is carried out instantly, but the opening hours of dealers or exchange offices must be found out in advance;
• by postal order, cash will come within 5 days to the nearest branch of the Russian Post;
• through exchanger.ru.

How to withdraw money from QIWI

QIWI is the second most popular online wallet. The popularity of kiwi is due to the ease of registration. Your phone number of any mobile operator is an electronic wallet number. Personal data, passport data during registration and for cash withdrawal are not required. So, how to withdraw cash from Qiwi.

In some ways, it is easier to work with Qiwi than with WebMoney, thanks to the presence of a Qiwi plastic card. The balance on the card is equal to the balance in the wallet, no additional manipulations are needed. To withdraw cash from a Qiwi card, you will have to pay a commission of 2% plus 50 rubles.

Again, a convenient way to withdraw cash remains on the Megafon plastic card, which has analogues in the world. Money is transferred from Qiwi to Megafon without interest. The maximum amount of one payment is 15,000 rubles.

The following withdrawal methods are also available:

1. to a bank card - 2% + 50 rubles;
2. to a bank account - a commission of 1.6% not less than 100 rubles;
3. through money transfer systems - commission 2% + 50 rubles;
4. via Russian mail - commission 2.5% + 60 rubles.

How to withdraw money from Yandex.Money

The methods of withdrawing money from the Yandex.Money system do not differ from Qiwi. Even the Yandex.Money card is in circulation, cashing out from which is 3.5% + 15 rubles, but not less than 100 rubles. A transfer to a card of any bank will also be made with a commission of 3% + 15 rubles. Transfers to a bank account and through money transfer systems are also available with the same commission.

Do you have a certain amount of funds accumulated on your phone and need to withdraw it? Why and how doesn't matter. The main thing is, is it possible to withdraw it and how to do it? And how much will this pleasure cost?

It will not be possible to cash out money from the phone for free. All carriers charge money for this. The difference is only in the amount of commissions. And looking ahead, I’ll say that it can differ several times!

It all depends on 3 parameters:

• operator;
• withdrawn amount;
• cashout method.

If you are looking for an answer to a question,

how you can withdraw money from your phone to a card (for example, Sberbank) without commission

I will disappoint you. You will not find such a way. I searched - the result is negative.

The percentages declared on the sites for the output on the main pages do not accurately reflect the real picture. Usually indicated from ....%, that is, the minimum percentage. In fact, it can be increased by 50-100% exactly.

I also had this need. Several tens of thousands of rubles hung on the Internet. And they had to be translated somewhere. Therefore, I had to conduct a comparative review of the possibilities for withdrawing money from the phone from the main mobile operators:

• Tele 2;
• Beeline;
• Megaphone.

On the Internet, you can find services that provide such services. But it is still safer to use the services directly from official representatives.

I decided for myself that if the sizes of commissions differ greatly, then I will start an additional new number with the right communication provider and will carry out withdrawals at the lowest cost.

So, let's go - how you can withdraw money from your phone with minimal losses.

The desired minimum 5% commission from Beeline is achieved only when transferring from 5561 rubles.

It is generally not profitable to withdraw small amounts. The percentage for withdrawal is simply extortionate.

If we translate the above commissions into percentages, we get the following picture:

• up to 250 rubles - from 20%;
• from 250 to 730 rubles - 14 - 28%;
• 730 - 1,430 rubles - 6.6 - 13%;
• 1,430 - 1,880 rubles - 6.4 - 8.3%;
• 1 880 — 3 800 — 6 — 12%;
• 3 800 — 5660 — 6,1 — 9%.

It turns out that in order to withdraw the minimum amount of 50 rubles from Beeline, you will additionally have to pay the same amount in the form of a commission. Which in this case will be as much as 100%.

It will be cheaper to withdraw money to a bank account (not to a card) - 2.99%. Account details can be found either in the contract or in the bank. Also if you use Personal Area bank, the necessary information, to which account your card is attached, is always available.

The downside of a bank transfer will be the payment processing time of up to 3 business days. When withdrawing to a card, funds are received within 2-3 hours (up to a day), but usually much earlier.

Cash withdrawal from an ATM

The site has instructions on how to do this. And a list of ATMs in your city where you can withdraw money.

There are no tricks here and it works flat rate— 5.95% of the withdrawn amount. The main thing is that the ATM is one of Beeline's partner banks.

You can withdraw no more than 5,000 rubles at a time and a maximum of 40,000 per month.

Money transfers

Output available for:

• Unistream;
• contact;
• post office;
• Gold Crown.

Unistream and Contact charge 5.95% + 10 rubles each, regardless of the transfer amount. Enrollment is almost instantaneous.

It will be cheaper to withdraw via Russian mail, only 2.6% + 50 rubles (if you are ready to wait a week).

The withdrawal through the Golden Crown looks preferable. Absolutely no withdrawal fees. But the maximum transfer amount is only 1,000 rubles.

Money can be received at Beeline offices and partner stores. A list can be found on the site.

Conclusions and the preferred method of cashing out from Beeline

Small amounts (up to 1,000 rubles) are more profitable to withdraw through golden crown. But here you will definitely need to visit the office (and spend time).

The transfer to a bank card turned out to be the most unprofitable. If you do not withdraw the maximum amount (5660 rubles or more with a 5% commission), the transfer fee will cost an average of 8-10% or more. But there is a definite plus here. Money arrives almost immediately on the card and you do not need to go anywhere. For small withdrawn amounts (up to 500 - 1,000 rubles), you can probably turn a blind eye to a commission of 50-100 rubles.

If time suffers: alternative - withdrawal to a bank account directly - only 3%. Funds will appear in your account within 3 days.

When using money transfers and ATM withdrawals, we have approximately the same costs - 5.95%. The choice in favor of one or another withdrawal method must be made based on the amount (maximum of 4,000 at an ATM) and the time spent (either walk to an ATM and withdraw money, or find a transfer point, wasting time standing in line and issuing a transfer) .

I don’t even want to talk about the Russian Post. A week to transfer + the likelihood of hanging in line for an indefinite time is somehow not very impressive. Although there may be extremals for a low 2.6% commission, they are ready to stand in line for an hour ......

How to withdraw money from MTS number

MTS has 3 options for cashing out money:

• transfer to the card;
• Money transfers;
• to a bank account.

Go to the "Manage payments" tab, then select "Money transfers" or "Easy payment". Or follow the link https://pay.mts.ru/.

To a bank card

Transfer limits from 50 to 15,000 thousand per operation. But no more than 5 payments per day.

Commission 4.3%, but not less than 60 rubles.

Processing time up to 2 hours. But usually the money is credited immediately.

Because of the notorious 60 rubles, when withdrawing change, interest rate will be several times higher than the declared 4.3%.

For example,

• for 300 rubles - 20%,
• 500 rubles - 12%;
• 1000 rubles - 6%.

The desired 4.3% commission from MTS is achieved when transferring to a card from 1400 rubles (60 rubles).

Money transfers

Payment systems similar to Beeline + Russian Post.

• Russian Post - 4.2% + 55 rubles for the transfer (term 4-8 days, from 100 to 14,000 rubles);
• Contact and Unistream - fixed 4.3%, regardless of the amount (instantly, from 1,000 to 15,000 per transaction).

Easy payment

Another way to withdraw money to a card from the MTS operator is “Easy payment” - “Repayment of loans”.

Select the required bank from the list provided. A transfer is available by card number (fast, but more expensive), or directly to a bank account (longer, but cheaper).

Withdrawal to the card will cost the standard 4.3% (or 60 rubles).

When withdrawing to an account, the transfer fee will depend on the selected bank (in most banks 2.3% + 10 rubles for making a payment).

The exception is Sberbank - 2.6%.

A profitable way to cash out at MTS

If there is time, then best option– withdrawal to a bank account (within 1-3 days), from minimum commission only 2.3%.

If you don’t mind losing the extra 2% for cashing out, we choose a transfer to a bank card (almost instantly) for 4.3%. But do not forget about the minimum wage of 60 rubles.

It is a pity to lose extra funds - our option is money transfers for a fixed percentage - 4.3, regardless of the amount. First, of course, you need to find out where the pick-up points are and whether it will be convenient for you personally to visit the branch (loss of time on the road and processing the receipt of payment).

How to withdraw money from a Megafon phone in cash

Money from the balance of the phone can be cashed in only two ways:

1. on the map.
2. to a bank account.

The service is located "Options and services" - "Payments and transfers" or at the link https://money.megafon.ru/

• from 50 to 13,730 rubles per transaction when withdrawing to a bank card;
• from 1 to 15,000 rubles (per operation), up to 40,000 per day and month to a bank account.

Transfer rates are outrageous.

on the map:

• 7.35%+ 95 rubles for withdrawal up to 5,000 rubles;
• 7.35% + 295 rubles - from 5000 rubles.

To a bank account - a single rate of 8% + 40 rubles, regardless of the amount of payment.

Consider, for example, how much you have to pay when withdrawing different amounts to a card from Megafon:

• 500 rubles - 36.75 (7.35%) + 95 rubles. = 131.75 rubles. or 26%
• 1,000 rubles - 73.5 + 95 rubles. = 168.5 p. or 16.85%
• 3,000 - 220 + 95 = 315 r or 10.5%
• 5,000 - 367.5 + 295 = 662.5 rubles or 13%.

Transfers from Megafon

Similar to the above operators, withdrawal methods are available.

Couldn't find rates on the site. Either they don’t exist, or they are hidden very deeply so that no one finds out a terrible military secret.)))

The amount of commissions is formed only when you specify the transfer amount.

For example, I’ll show you what the commission turned out to be when withdrawing 500 and 1000 rubles to the Russian Post - 19.3 and 8.65%. Very expensive.

Megaphone card

Megafon has its own payment bank card. Its main feature is a single balance account on the phone and funds on the card. When you top up your card, you top up your phone. Writing off works in a similar way. The card can be used to pay for purchases all over the world.

The only negative is the paid cash withdrawal. 2.5% of the amount (but not less than 100 rubles). You can transfer money by pulling money to cards of other banks (MoneySend). For example, VTB or Alfa-Bank. The rate is 1.99%.

An option for those who periodically need to cash out money from a Megafon phone.

For Megafon subscribers, the card is issued free of charge (if you have a tariff with a monthly fee). Or just for 99 rubles. Self-service plastic make up zero rubles a year!!!

How profitable to get money

The Megafon operator does not really welcome (or rather does not welcome at all) the withdrawal of money from the balance of the phone. How else to explain the simply huge commissions for cashing out funds.

When transferring even 2-3 thousand, you will have to pay more than 10-15% of the fees. For the withdrawal of 500 - 1,000 rubles, we give almost 20%.

The only right option is to get a Megafon card (for free) and, if necessary, cash out (for 2.5%) or transfer to other cards (for 1.99%).

Ways to cash out money from Tele2

All financial transactions with a phone number are carried out on the website https://market.tele2.ru/.

What I like about TELE2 is the availability of information and transfer rates. Everything is clear and easily accessible. How much, for how much and how.

Performing transactions on the operator's website

To a bank account or money transfer - 5.75%.

For withdrawal to the card, they take from 50 to 400 rubles. The commission grid resembles Beeline.

Converting to percentages, we get the following numbers:

• from 1 to 250 rubles - from 20%;
• 251 - 730 rubles. - 27 - 9.6%;
• 731 - 1,410 rubles. - 12 - 6.3%;
• 1 411 - 1 880 rubles. - 8.5 - 6.3%;
• 1 881 - 3 800 rubles. - 10.6 - 5.2%
• 3 801 - 5 700 rubles. - 7.9 - 5.2%;
• 5 701 - 14 600 rubles. - 7 - 2.7%

I was amused by the amount of commissions charged from Tele2 on borderline amounts. For example, when withdrawing 730 rubles, they take 70 rubles or 9.6%. If you cash out 731 rubles from your phone, then Tele2 takes 90 rubles or 12.3%.

Consider this. It may be more profitable to split the amount into several payments.

Phone transfer

It is much easier (and cheaper) to withdraw directly from your phone.

To do this, simply dial *135#. Then select the required service.

The commission for withdrawal from the Tele 2 number is the same - 5% of the transfer amount.

Terms of enrollment up to 3 working days.

Restrictions and limits on transfers:

• from 10 to 14,200 rubles per operation;
• no more than 150,000 rubles per day;
• 500 thousand per month.

What do we choose from Tele2?

Withdrawal to the bank using SMS commands with a 5% commission is the best option. But ... if you do not withdraw large amounts.

What should be the amount of the transfer in order to reduce the commission?

In the table of tariffs for transfer through the site, minimum size a fee of 2.7% is achieved with a one-time withdrawal of 14,600 rubles.

With the amount of cashing out equal to 8 thousand, we just get a 5% commission.

• choose a withdrawal via USSD command for 5% when withdrawing an amount up to 8,000 rubles;
• through the operator's website when cashing out from 8,000 to 14,600 rubles. Then the fee will be from 2.5 to 5%

Finally

Withdrawing money from a phone number of the main mobile operators (MTS, Beeline, Megafon or Tele2) is not a cheap pleasure.

You will have to pay 5, 10 and even 20% or more, just for the transfer of your own funds!

For some, it may seem like a small amount, the transfer fee is 6-7%. Some can even put up with paying 10%. If the amount to be withdrawn is small. With 1,000 rubles - you will lose 90-100 rubles. It doesn't seem like much money.

For me, the option of losing 10% at a time does not look very attractive.

The rate on a deposit in Sberbank is 5-6% per annum. Imagine people investing money for a whole year to earn 5-6%. And to get 20% you need to keep money on deposit for 3-4 years.

A more expedient option is to spend the "surplus" money on purchases or paying utility bills and taxes. All carriers have this capability. Of course, in some cases, commissions are charged (in the region of 2-3%). But there are also "no commission" services. Additionally, some online stores allow you to pay for goods from your mobile phone account, without additional fees.

If you still need “live” money, the best option for withdrawing funds from your phone is a transfer to a bank account using the bank details. On average 2.3-3% of the transfer amount.

If “extra” money periodically appears on the phone (for example, from the Internet:, review sites and others), then it would probably be more expedient to buy an additional SIM card from the operator, with the lowest withdrawal fees.

I made my choice. Received the plastic green one. And I can easily spend money in stores.

If you need to withdraw cash, Megafon has the lowest commission of 2% among the big four operators.

A little financial hack

There are money transfer services that pay bonuses for making transactions, including for replenishing the balance of the phone. The reward is usually from 50 to 100 rubles. Charged to mobile phone account.

I transfer money to Megafon (respectively replenishing the card) on the Pay-up service. Details can be found in this.

For 500 rubles, minus the service fee of 10 rubles, net profit 40 rubles or 8%.

There is only one drawback - the bonus is credited only on the first payment per day.

Big balance on your phone and low commissions for withdrawal, everyone!

Withdrawing money from the current account of an LLC is not as easy as withdrawing money from an account individual entrepreneur. So that employees tax structures there were no questions to the head of the company, any financial transaction, including those related to the withdrawal of funds, must be fully justified. Unlike an individual entrepreneur who has the status of an individual, an LLC cannot perform this manipulation using a simple bank transfer, but this does not mean that there are no ways to withdraw funds. You can withdraw money from the current account of LLC using the methods described below.

Please note that any operation related to the movement of funds is performed only if there are certain reasons. In case of non-compliance this rule the head or accountant of the company may be held liable in the form of penalties. Therefore, all manipulations with money must be carried out through the accounting department and have legal grounds.

Options for withdrawing funds from the current account of LLC

There are 5 most popular ways that the head of the company can use to withdraw funds. The article provides detailed information about the nuances and features of each method. After reviewing the material presented, you will be able to choose the most suitable option for you to implement your plan.

Transfer of funds to the account of an individual by concluding an agreement

The basis for the transfer of funds to the account of an individual may well be a contract for the provision of services. In this case, the transfer of money will not cause additional questions from the tax authorities, since the operation is justified. In addition to the contract, it will be necessary to draw up an act of work performed, payment for which will be the transferred funds.

Please note that when drawing up a contract for the provision of services or the performance of work, it is necessary to take into account the scope of the LLC. The inconsistency of the provided service with the direction of the company may cause suspicion among the regulatory authorities. The disadvantage of this method is the fact that when transferring funds to the account of an individual, a tax of 13% is withheld.

Loan processing

An alternative way to transfer funds is to apply for a loan. The head of the company, however, like any other employee of the company, has the right to ask the company for funds in debt.

Advantages of the method:

1. you can get a loan at a minimum interest rate, including zero. In the case of a loan at zero interest, personal income tax is deducted from the entrepreneur;
2. the term of the contract is not limited, that is, you will not have to return the money in the near future;
3. money is transferred to the businessman's personal account or they can be received through the cashier;
4. There are no limits on the size of the loan.

Note! If the founder has not repaid the loan within 3 years, the funds received are transferred to the category of income, respectively, a tax of 35% is withheld from the entrepreneur. Plus, you will need to pay an additional 13% personal income tax. Based on the foregoing, we can conclude that this method of withdrawing money is the most unprofitable.

Withdrawal of money under the report

Any member of the company who is officially listed in the personnel staff of the company can take advantage of this opportunity. Unlike the previous method, this withdrawal option has some limitations. So, you can transfer only the amount that is prescribed in the contract. Along with this, the company's contract, as a rule, contains information regarding the timing of the provision of accountable funds.

In case of untimely repayment of the debt, 13% of personal income tax is removed from the borrower, since these funds from the loan category are transferred to the income category. If an employee does not pay the required amount (13% personal income tax) on a voluntary basis, it can be withheld from other types of his income.

Transfer of dividends, features of the operation

It is possible to transfer funds as dividends. A member of the company has the right to dispose of the company's money, which remains after the payment of all mandatory taxes and fees.

In this case, some nuances should be taken into account:

• the company's activities must be profitable;
• the amount of dividends is established in accordance with the agreement;
• dividends are distributed among the company's participants in certain shares;
• tax burden - 9%.

Note! Dividends are not paid if the amount of profit to be distributed among the company's participants is less than the reserve capital established in the agreement.

Dividends are paid in the following order:

1. holding a meeting, the purpose of which is to draw up a protocol on the payment of dividends. All founders of the company must be present at the meeting;
2. preparation of documentation regulating the transfer of money. The final document should contain information about the frequency of payments and the deadlines for the transfer of funds. In addition, an obligatory element of the agreement should be a clause stating that in the event of a decrease in the company's profit, the payment of dividends will be suspended.

It is possible to cover the expenses of the founder of an LLC without resorting to withdrawal of funds. How to do this, read on.

The company can pay for:

• expenses of a company participant for a vehicle;
• travel spending. Costs are covered on the basis of a travel list;
• payment for goods and services corresponding to the field of activity of the company.

All income and expenditure transactions must be confirmed by receipts or checks. Lack of reporting documentation threatens with the imposition of impressive fines.

In addition to those described above, there are also not quite legal ways to withdraw funds. For example, by drawing up a fictitious contract. However, this solution to the problem has more disadvantages than advantages. The biggest disadvantage of the illegal way of transferring money is the fact that such activities are prosecuted by law and instead of money, you can get criminal penalties.

I don’t know about you, but when I cash out Bitcoin or any other currency, I pay attention to 2 parameters: the security of the transaction and the best exchange rate. But, the fact is that many beginners think only about the best course, forgetting about the risks.

In this article, I will talk about how to change Bitcoins at the best rate and even compare the rates of different services. In addition, I will explain what you should be afraid of when cashing out cryptocurrency and what risks lie in wait for users.

Important! If you do not plan to cash out large amounts of Bitcoin and are not afraid of card and tax blocking, then you can skip the security section. Click and go directly to the withdrawal methods.

Do you want to earn cryptocurrency? Watch me multiply my bitcoins. First goal: 10 BTC on the exchange!

SEE HOW I EARN

Exchange security. How to cash out Bitcoins in Russia without risk?

Usually, when they talk about the security of exchanging Bitcoins for rubles, they mean the risks that the exchanger or exchange will steal your money. But, in fact, the exchangers work very professionally, and your money is more likely to be blocked by a regular bank.

Blocking of funds by the bank.

Russian banks are forced to block suspicious transactions due to Federal Law 115 (“On counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism”), otherwise they risk losing their license.

Thus, if your receipt seems suspicious, the bank will block your funds and require proof that the money was earned honestly.

At the moment, cryptocurrency is not regulated by law, so banks are reinsured and often do not side with the client. They can permanently block your card, account, and sometimes money. There is also a chance that they will ask you to pay taxes on the withdrawn amount.

By itself, the withdrawal of cryptocurrency from your wallet does not contradict the law, but if you withdraw money by exchange (through an exchanger or a private money changer), then think in advance what story you will tell the bank employee and what evidence you can provide.

If you withdraw cryptocurrency from the exchange, then, at first glance, you are acting according to the law. But some banks may consider that trading on a cryptocurrency exchange is a type of entrepreneurship. Even if you are registered as an individual entrepreneur, it is better to clarify in advance whether the bank allows customers to use their personal plastic cards for business activities. If not, then the card will be blocked for you, but the money will be returned through the cashier.

Thus, according to the banks, you should withdraw bitcoins through the exchange to the current account of the individual entrepreneur. In this case, there will be no questions for you.

How to protect receipts from blocking?

• Do not transfer large amounts at a time. Do not immediately withdraw 500 tr., stretch the withdrawal for a week or two. Make better 10 transactions of 50 tr.
• Use multiple cards. Get cards in several banks and distribute transactions between them. You can also connect cards of friends and relatives.
• Don't cash out. If you transferred money to a card and immediately withdrawn it, this is a signal for the bank that you are cashing out. Let the funds lie down for a couple of weeks, transfer them to a deposit, pay with this card in stores.
• Become a good customer for the bank. As practice shows, if a client has credit card bank, loan, deposit, certain status (preferred client), etc., then the risk of card blocking is reduced significantly.

In general, if you make several withdrawals per month for amounts not exceeding 50 tr., then the risk of blocking is very low. With an increase in the one-time amount and the monthly amount of withdrawn funds, the risks also increase.

Is it legal to cash out Bitcoin in Russia in 2019?

As you know, our country is not particularly fond of cryptocurrencies. Therefore, before cashing out Bitcoin in Russia, you need to find out how safe it is. Will you fall under any article?

If you have heard the joke about Schroedenger's cat (who is both alive and dead at the same time), then you can easily understand the status of cryptocurrency in Russia. It is neither prohibited nor permitted.

That is, there are no laws governing Bitcoin. The legislation is still under development.

Therefore, even if you cash out Bitcoin immediately into cash rubles or dollars, you have nothing to fear. You are not breaking any law.

But how is it? We heard about criminal cases for cashing out cryptocurrency! For example, this is a resonant case.

Yes, there have been several high-profile news about the arrest for cashing out Bitcoin. But always the reason for the arrest was not the fact of the exchange itself, but another crime. For example, the sale of drugs for cryptocurrency.

With regard to the case described above, people were accused of illegal banking. This article is definitely not for you.

Therefore, if you are an ordinary person (not entity) and want to withdraw Bitcoin by exchanging it for fiat currency, then you have nothing to fear.

Do I have to pay taxes when cashing out Bitcoin?

Let's start off with. that the state really wants you to pay more taxes. Therefore, it is understood that you must pay tax on any income.

Let's say you bought 1 Bitcoin for $5,000, sold it for $10,000, and made a profit of $5,000. With this money you have to pay income tax, that is, 13%.

Accordingly, this income must be indicated in the declaration. And the declaration itself was filed with the tax office.

But, firstly, cryptocurrencies are anonymous. Therefore, it is almost impossible to trace where the money came from and what is the basis for the transfer. And if you withdraw Bitcoins immediately into cash, then government bodies they don't know anything about your income.

Secondly, it is impossible to prove that this is income (of course, if you yourself do not tell the tax office about it). You can always say it's a loan or a tax-free gift.

Thirdly, it is not clear how to calculate income. For example, you cashed out Bitcoin and received $5,000 for it. Sounds like you have to pay income tax, right?

What if you bought it for 10,000? So, you are at a loss and do not have to pay anything. But it is not clear how you can prove this to the tax. And it is even less clear how the tax authorities can prove otherwise.

While the legislation is not yet ready, the tax authorities show little interest in cryptocurrency income.

Pay taxes on cashing out Bitcoin or not? Everyone decides for himself. Do I pay taxes on cryptocurrencies? Yes, I'm crying.

offshore card.

Many users think that if they use an offshore card, they are 100% tax protected. Actually, it is not.

Indeed, a bank in Panama will not transfer to a Russian tax information about your account. But payment systems Visa and Master Card will be transferred.

In general, as far as I know, in Russia there is no tax police, which deals with individuals, which would track your transactions. But if they are interested in you, then they will easily receive information about transactions on your offshore card.

1. How to withdraw Bitcoins from a wallet to a bank card?

There are 2 popular services with which you can withdraw Bitcoin to your bank card: BestChange and LocalBitcoins. Let's immediately compare where the exchange is more profitable.

At the time of this writing, the Bitcoin exchange rate was 670,941 rubles according to the coindesk.com exchange.

Course according to coindesk.com.

On BestChange, when trying to exchange Bitcoins for a Sberbank card, the maximum rate was 675,659 rubles.

Monitoring of exchangers.

At the same time, rates on LocalBitcoins turned out to be more profitable. More than 700 tr were offered for one Bitcoin.

Localbitcoins exchange rates.

Keep in mind that the exchange rate is constantly changing. Moreover, it is influenced not only by the exchange rate of the cryptocurrency, but also by the difference in supply and demand for a particular service. For example, if a surge of activity has begun at the moment and people began to intensively buy Bitcoins through exchangers, but at the same time they began to sell less, then the exchange services will make the Bitcoin purchase rate much higher than the exchange rate, but the selling rate will also be raised above the exchange rate, that is, it will be very beneficial to those who want to exchange this cryptocurrency for rubles.

1.1. Withdrawing Bitcoin to a Sberbank card through BestChange exchanger monitoring.

This service combines the best online exchangers. An exchanger is a service where you can exchange one currency for another by paying a small fee. For example, you translate Ivanova I.I. Bitcoins to his wallet, and he transfers rubles from his card to yours.

All exchange services are sorted here by the best exchange rate. It also shows the current amount that each exchanger has and reviews about it.

How to exchange Bitcoins for rubles using BestChange?

1.2. Withdrawal of Bitcoins to rubles through LocalBitcoins.

This is a service that, by its principle of operation, resembles an exchange. He acts as an intermediary between 2 people, one of whom wants to sell Bitcoins, and the other to buy. On LocalBitcoins you will find not only offers from professional exchangers, but also from ordinary people.

First, let's talk a little about security. If you are selling Bitcoins, then you do not need to worry about security at all. The fact is that the exchange of Bitcoins occurs through the service: first, the seller transfers them to the wallet in LocalBitcoins, then after the exchange begins, the cryptocurrency is blocked, and after the payment is confirmed, it is automatically transferred to the buyer’s account.

That is, your Bitcoins will not be transferred to another person until you see the money on your card and click on the “Confirm receipt” button.

In addition, each service member has reviews, rating, percentage of successful transactions, etc. People spend a lot of time and effort to improve their reputation and will not cheat anyone for the sake of a few thousand rubles. If you are a beginner, then you will have limited exchange amounts available until you gain enough reputation.

How to exchange Bitcoin for rubles using LocalBitcoins?

Step 1. Go to the Localbitcoins.net website, go through the registration procedure and confirm your E-mail. It is advisable to verify your phone and identity, as well as set up two-factor authentication.

Step 2. We replenish the internal wallet. To do this, click on "Wallet", then on "Get Bitcoins". After that, transfer the required amount to the address displayed below. After the transfer, the money will appear in your internal wallet.

We replenish the internal wallet.

Step 3. Go to the “Sell Bitcoins” tab, click on “Show more” and select “Transfers through a specific bank”.

Go to the "Sell bitcoins" tab

Then choose the user you like (pay attention to the reputation, the percentage of successful transactions, the amount of exchange) and click on the "Sell" button.

Step 4: Submit a trade request. Enter the amount you want to change and click on the big green button. It is advisable to write a message to the seller, greet and indicate the card for transfer. But this can be found out in the process of communication.

Step 5. After the seller transfers the money to your card, you need to confirm the receipt of the money and the frozen Bitcoins will be transferred to his account. After the operation, rate the seller and leave a review.

1.3. Withdrawing money from a Bitcoin wallet via a Telegram bot.

These bots work on the same principle as the LocalBitcoins website. Only all operations take place in the interface of the Telegram messenger. The rate here is more profitable than on BestChange and about the same as on LocalBitcoins.

The exchange takes place in the same way as in the previous service:

• We register in Telegram (if not registered) and add the BTC_CHANGE_BOT bot (BTC banker). Choose the Russian language and agree to the terms.
• We go to the wallet and transfer Bitcoins to your internal address.
• After the cryptocurrency is displayed in the wallet, click on the "Sell Bitcoins" button and select the desired bank.

We sell bitcoins through a bot.

• Now you will see a list of people who are ready to buy your Bitcoins for rubles. By clicking on each of them, you can see information about each seller.
• After we have chosen the seller, we begin the transaction. To do this, follow the requirements of the bot: indicate the amount of exchange, details.
• After the seller transfers the money to your card, you will need to confirm the receipt of money and the Bitcoins will be sent to the seller's wallet.

1.4. Withdrawal of Bitcoins to the card via Webmoney.

This method has several advantages. Firstly, this is a more profitable exchange rate (read more about this below). And, secondly, withdrawal by bank transfer is available. This withdrawal method is considered official by Webmoney, so you can withdraw relatively large amounts without fear of blocking your account.

Keep in mind that for a transfer to a card you will have to pay a commission of 2-3%: 1-2% for the operation, plus the standard WebMoney commission - 0.8%. For a bank transfer - 15 rubles plus 0.8%, the transfer period is from 1 to 5 days.

How to withdraw Bitcoins in rubles to a Sberbank card using Webmoney?

• To transfer a small amount, it will be enough to get a formal certificate. But, if you plan to often withdraw money through WebMoney, then it is recommended to get an initial certificate. By the way, this can be done through the website of the State Service.
• We start a WMX wallet - this will be your Bitcoin wallet in the Webmoney service. Click on the top up button and see the address to which you need to transfer Bitcoins.

We transfer Bitcoins to WebMoney.

• After the transfer of Bitcoins, they will be displayed on your balance. Click on the "Exchange Funds" button. In the window that appears, change WMX to WMR. Now you have rubles on WebMoney and you need to withdraw them.

Choose the output method.

• Now you can withdraw money to any card by paying a 2% commission. But such an exchange will be carried out through the internal WebMoney exchange, so this method is not so reliable. The second option is to link the card to the WebMoney service.

Withdrawal conditions.

• In order to make a withdrawal by bank transfer, go to your WMR wallet and click on the "Withdraw funds" button and select "Bank transfer". Then you will need to enter your account details: BIC, Corr. account, current account number, bank TIN and payment amount. After that, check and pay this account.

1.5. How to withdraw money from a Bitcoin wallet through exchanges?

There are not many exchanges that allow you to withdraw rubles to a plastic card or bank transfer, and in general, not all cryptocurrency exchanges work with fiat money.

There is one exchange that is often used to withdraw rubles to a card. It's called EXMO.

Using EXMO as an example, you can see what conditions await those who decide to cash out Bitcoin in this way. The commission is not particularly large - 3% + 50 rubles. But the limits make it difficult to work with really large amounts: 15,000 rubles for one withdrawal and 600,000 rubles per month.

To be honest, I trust exchangers and Webmoney more than such exchanges.

How is the withdrawal?

• Transfer Bitcoins to the exchange. To do this, you need to send the currency to your internal exchange wallet.

We transfer Bitcoin to the exchange.

• Exchange them for rubles. This can be done either with the help of the exchange itself or with the help of an internal exchanger.

We exchange for rubles.

• Withdraw rubles to the card. There are several withdrawal methods. In our case, this is a bank transfer and withdrawal to the card. As you can see, withdrawal to the card is more profitable on EXMO.

We order a withdrawal.

Do not forget that in order to fully use all the tools of the exchange, you must pass verification.

The two most popular ways to withdraw BTC. Where are the best courses?

Yes, now you know a sufficient number of tools with which you can withdraw Bitcoin to rubles or dollars online. But which one is the best? Where is the best exchange rate?

Now you do not need to go to all these services and compare courses. I did it for you.

I compared all the conditions for the most popular exchange directions: BTC - Sberbank and BTC - Qiwi. Let's see what I got.

How to withdraw Bitcoins to a Sberbank card at the best rate?

Let's see in practice how it is most profitable to withdraw Bitcoins to a Sberbank card? To do this, we compare the courses of the most popular instruments and choose the best one.

Sberbank is the most popular Russian bank. Most citizens have a card from this bank, so this withdrawal method can be considered the most convenient and popular.

It's February 2019 now. According to coinmarketcap.com, the dollar exchange rate is 4190 dollars.

Rate according to coinmarketcap.com.

The dollar exchange rate is 65.51. So 1 BTC costs about 274,500 rubles.

The dollar to the ruble.

Let's say I want to exchange 0.1 BTC for a Sberbank card at the best rate (I took this amount for a more convenient account). How can I make it the most profitable and not lose extra money on the course and commission?

To do this, compare all the conditions and choose the best:

• BestChange.

BTC to Sberbank exchange rates on Bestchange.

This service shows that you can withdraw money from Bitcoin to a Sberbank card at the rate of 272,065. That is, for 0.1 BTC I will receive 27,206 rubles per card.

• localbitcoins

BTC exchange rates for Sberbank on Localbitcoin.

The exchange rate for LocalBitcoins is 274,000. So, when I withdraw 0.1 Bitcoin, I will receive 27,400 rubles for Sberbank.

• Telegram bot.

Conditions for exchanging BTC for Sberbank in Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC for 26,548 rubles.

• Exchange EXMO.

The exchange rate of BTC to Sberbank on the stock exchange.

The exchange rate is 270,000 rubles for 1 Bitcoin. You also need to take into account the commission of 3% for the withdrawal. That is, when exchanging 0.1 BTC for a card, I will receive 26,190 rubles.

Results for Sberbank:

So what is the most profitable way to withdraw money from a Bitcoin wallet to a Sberbank card?

Comparison of BTC rates - Sberbank for February 2019.

As you can see, the best rates are offered by BestChange and Localbitcoins. The worst exchange rate on the exchange.

How to withdraw Bitcoins to Qiwi at the best rate?

The second most popular way to withdraw BTC is the Qiwi wallet.

A large number of people use this payment system. Internal transfers here can be made without commission. There are Qiwi terminals all over the country where you can replenish your account.

I myself actively use this payment system. I even have their plastic card.

Let's see what is the most profitable way to withdraw Bitcoins to Qiwi wallet?

To do this, compare exchange rates. Let me remind you that the current exchange rate for today (February 2019) is 4190 dollars or 274,500 rubles for 1 BTC.

• BestChange.

BTC to Qiwi exchange rates on Bestchange.

According to the results of sorting, the best rate for withdrawing Bitcoin to Qiwi turned out to be 271,280. That is, when exchanging 0.1 BTC, 27,138 rubles will come to my wallet.

• local bitcoin.

BTC exchange rates for Qiwi on Localbitcoins.

Here the rate is 274,500 rubles for Bitcoin. So you can exchange 0.1 BTC for Qiwi for 27,450 rubles.

• Telegram bot

Conditions for exchanging BTC for Qiwi in Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC for 26,403 rubles.

• Exchange EXMO.

BTC to Qiwi exchange rate on the exchange.

As I wrote above, the exchange rate is 270,000 rubles for 1 Bitcoin. And if we take into account the commission of 3% for the withdrawal, then when exchanging 0.1 BTC for a wallet, I will receive 26,190 rubles.

Qiwi results:

In this exchange direction, we also managed to find out the best exchange rate.

Comparison of BTC rates - Qiwi for February 2019.

As you can see, the best Bitcoin withdrawal rate on Qiwi is offered by Localbitcoins. And the course here is equal to the official one. The most unfavorable rate is again on the EXMO exchange.

2. Anonymous debit cards.

Now each payment system is trying to issue its own plastic card linked to an internal account. Usually they make it possible to pay for purchases in regular stores or online without a commission, which is very convenient - you can not cash out at all. It's so convenient that my wallet is already bloated with different cards.

The idea is simple and understandable. You receive money on Qiwi - you pay with a Qiwi card, you receive money on Yandex Money - you pay with a Yandex Money card, you receive on AdvCash - you pay with an AdvCash card (which will soon be blocked for everyone who does not live in the EU).

Well, Bitcoin wallets did not lag behind other payment systems and issued plastic cards tied to the balance of these wallets. You can pay with these cards in online and brick-and-mortar stores, as well as withdraw money from ATMs. Bitcoins are converted into card currency at the current rate. But the problem is that almost all such cards are available only to residents of the European Union.

There remains the option of transferring Bitcoins to one of their anonymous payment systems, converting into dollars and withdrawing through a card of this payment system through an ATM. But here, too, the same problems await us as in the case of Bitcoin cards. For Russians, most of these cards have already become unavailable for ordering, and the issued cards will stop working in January 2018.

Most likely, in the near future, all anonymous bank cards will be banned for residents of Russia. But for now, the possibility of withdrawing Bitcoins in this way remains. For example, at the moment, Russians still have access to the Money Polo card, which works with the OKPay payment system.

Withdrawing via an anonymous card will require you to pay a relatively high fee. A commission is usually paid for transferring money to a payment system wallet, transferring money to a card, and for withdrawing money from an ATM. If you plan to withdraw money in rubles, then get ready to pay more for currency conversion.

As you already understood, money is withdrawn as follows: transfer money to a payment system (officially or through exchangers), put it on a card and withdraw it at an ATM in the currency of the card or rubles.

3. Withdrawal of Bitcoin from the wallet to cash rubles.

There is another way to cash out cryptocurrency. The exchange is carried out without the participation of banks, that is, immediately into cash through an exchanger.

On the one hand, this is convenient, since the bank will not be able to block the transaction, and the tax office will not receive information about your income. On the other hand, high commissions and high risks await you.

3.1. How to withdraw Bitcoin from a wallet through an exchanger.

There are exchangers that are ready to exchange your cryptocurrency for cash. Almost all of them are concentrated in large cities: Moscow, St. Petersburg. But if you are going to change a really large amount, then this is not a problem. For the sake of this, you can go to another city, and for a fee, the courier will come to yours.

Some exchangers offer an anonymous exchange service. That is, you transfer Bitcoins and get information about the place where the bookmark with your money is located. But I think you understand how risky such an undertaking is. There may not be any money in the specified place and then you will not prove anything to anyone.

How to safely cash out Bitcoin in Russia?

• Go to the site of the exchanger, which offers a cash exchange service. Say how much you want to exchange, or leave a standard request.
• After some time (from several hours to a day, depending on whether the cash desk has the required amount), you arrive at the office of the exchanger and transfer Bitcoins to the specified address in the presence of the operator.
• After several confirmations of the transaction, you take your money.

Commission for such services starts from 3-4%. The exchanger can be found, for example, on the BestChange website. Just indicate the appropriate exchange direction: Bitcoin - Cash.

Please note that the rate may be less favorable than when exchanging for a bank card.

Withdrawal rate to a bank card.

Cash out rate.

Is this exchange legal?

At the moment, according to our legislation, Bitcoins are incomprehensible candy wrappers from the Internet. And the exchange of candy wrappers for money between the two individuals quite legal.

Above, I already talked about the resonant detention in Russia of a group of people involved in cashing out Bitcoins. But these people are detained for illegal Bank operations that doesn't threaten you. The exchange of bitcoins itself does not entail punishment.

3.2. Through WebMoney.

Above, I already wrote about how to transfer Bitcoins to a WebMoney wallet. Only in this case, we withdraw money not by a card, but through the official exchangers of this payment system.

Benefits of official WebMoney exchangers:

• There are more of them. If ordinary exchangers are located only in Moscow and St. Petersburg, then there are WebMoney exchangers in almost all million-plus cities.
• More trust. Such exchangers are opened only with the permission of the WebMoney payment system and are controlled by it. In the case of the provision of low-quality services, WebMoney may deprive the exchanger of a license.
• Contract for services. An agreement is concluded with clients even before the exchange. Accordingly, in this case, you will be protected from potential fraud.

How to make an exchange?

• We go to the WebMoney website, find a page with information about official exchangers and enter the city you are interested in. If there is no exchanger in your city, then check the cities closest to you.

Check if there are exchangers in your city.

• We leave a request for an exchange on the exchanger's website.
• We receive a contract for the provision of services signed by the exchanger.
• We transfer money to the specified details.
• At the specified time, we come to the office and pick up cash.

Instructions for one of the exchangers.

3.3. Withdrawal through private changers.

On the LocalBitcoins website, on cryptocurrency forums, in the corresponding Telegram bots, etc. you can find people who exchange bitcoins for cash. Here you will again encounter the fact that most of them will be concentrated in large cities. I hope you do not need to tell anyone that in advance money cannot be transferred. It is best to make an exchange directly on the spot, for example, by meeting in a cafe.

4. Withdrawing money from Bitcoin wallets through ATMs.

Another way to cash out Bitcoins, which cannot be ignored, is ATMs. Again, this method is still available only to those who live in large cities.

At the moment, this method of withdrawal is not very popular. Firstly, they ask for a large commission for cashing out: up to 11%. Secondly, it takes a lot of time, as you have to wait for the confirmation of the transaction.

Comparison of withdrawal rates.

In order to check the most profitable way to cash out Bitcoin into rubles, I decided to compare exchange rates on several services at the same time.

At the time of the experiment, Yandex showed the Bitcoin rate of 967,650 rubles for 1 BTC (according to coindesk.com).

The exchange rate of Bitcoin to the ruble.

Step 1 Now, let's say that we will withdraw this cryptocurrency through exchangers. Then let's look at the rate for BestChange.

Courses on Bestchange.

As you can see, the most profitable exchangers offer from 920 to 926 thousand rubles for 1 BTC. The best rate at that time was 926,960 rubles.

Step 2 Let's see what LocalBitcoins has to offer. The rate here is usually higher.

Courses on Localbitcoins.

As expected, the course pleased. You can change Bitcoins at a price of 980 - 991 thousand rubles for 1 BTC. The best rate is 992,003 rubles.

Step 3. Now let's try to make an exchange through the EXMO exchange. For example, let's use the standard exchanger of this service.

The exchange rate on the EXMO exchange.

The exchange rate is 987,948 rubles for 1 BTC. A decent rate, but do not forget that you will have to pay 2% for the withdrawal. It turns out: 978,948 - 2% = 959,369 rubles - that's how much you get on the card by paying a commission. This will be the real course.

Step 4. Let's see what WebMoney offers. Bitcoins are exchanged for rubles on the internal exchange of the payment system.

Exchange rates for WebMoney.

Here we see rates from 1021 to 1034 thousand rubles for 1 BTC. Let's take for example the rate of 1,030,000 rubles. For withdrawal by bank transfer, you will pay a commission of 0.8%, that is, 1,030,000 - 0.8% = 1,021,760 rubles. When withdrawing to a card, the commission will be 2.3%: 1,030,000 - 2.3% = 1,006,310 rubles. When withdrawing through an exchanger, the commission will be from 3.8%. Let's calculate: 1,030,000 - 3.8% = 990,860 rubles.

Total.

As you can see, the best exchange rate at the moment is offered by WebMoney. Even cash withdrawal through official exchangers is more profitable here than cashing out to a card. But, you need to keep in mind that for full-fledged work with this payment system, you need to pass verification.

FAQ.

In this section, I decided to collect questions on the topic of withdrawing Bitcoin, which are asked most often.

1. What is the best way to withdraw money from WebMoney if a bank transfer is not available?

The rules for withdrawing money from WebMoney change very often. Those methods that work now may not be available in the near future. At the same time, at the moment, WebMoney has the best exchange rate for Bitcoins for rubles (of the methods that we considered above), so using this payment system is beneficial.

Firstly, if you withdraw money through official exchangers, you will pay a commission of 3.8-4.8%. But it will still be one of the most profitable ways withdraw bitcoin. There is one more convenient way withdrawal of money from WebMoney in Russia: bank cards of telecom operators.

For example, Megafon or Beeline cards. You simply top up your phone balance and the money automatically appears on the card linked to the number. You can get such a card at the offices of mobile operators. It is not named, so you will spend no more than 5 minutes to receive it.

The downside is the restrictions on replenishment. Only 6,500 rubles per day (this is about 200,000 rubles per month). At the same time, the commission for replenishment is only 0.8% (standard WebMoney commission). Not suitable for large amounts, but for general use it is quite suitable. ATM withdrawal fees start at 3%. You can pay with this card without commission.

2. Which Bitcoin withdrawal method do I use myself?

I used to withdraw Bitcoin through exchangers. Obviously, there was not the best course, but, nevertheless, this is the most convenient way. And the Bitcoin exchange rate is growing so fast that you can not pay attention to their commission.

So the search for another withdrawal method was not due to the exchange rate, but more as an insurance against blocking receipts by banks. Therefore, now I have settled on WebMoney and received the necessary certificate for working with large amounts.

I got myself a Megafon card and withdraw money to it. This is very convenient for me, because I always pay anyway. bank card. Replenishment of the card is limited to 200,000 rubles per month - this amount is enough. If I need to cash out a larger amount, then I will use the official exchange office, since they are available in almost every major city.

3. How to withdraw Bitcoins to Qiwi wallet?

The withdrawal of Bitcoins to Qiwi (Qiwi) is not much different from. You can use the same tools.

• Bitcoin withdrawal to Qiwi using BestChange . Specify the direction of the exchange "Bitcoin - Qiwi" in the table. Exchangers will be sorted by the best rate and you will only have to go to one of them and make an exchange. You will transfer Bitcoins to the specified Qiwi wallet, and in return you will receive rubles or dollars to your wallet.
• Withdrawing Bitcoins to Qiwi using LocalBitcoins . Immediately on the main page of the site, you will see offers to buy your Bitcoins for rubles or dollars of the Qiwi payment system. So you will need to choose the best offer for you and make an exchange.
• Withdrawing money from a Bitcoin wallet to Qiwi using a Telegram bot. The exchange here is carried out in the same way as for a bank card. The process itself is similar to working with LocalBitcoins.

How to withdraw Bitcoins to Yandex Money?

Yandex Money is a popular payment system in Runet. The process of withdrawing Bitcoins to Yandex Wallet is similar to the process of withdrawing to the Qiwi payment system.

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Users may encounter a situation where there is an urgent need to withdraw funds from their mobile account. A natural question arises, is it possible to withdraw money from the phone in a short period of time? In fact, there are several ways to solve the problem. It is recommended to consider all the options and then choose the one that suits you best.

Withdraw to bank card

People with bank cards will be able to withdraw without any problems cash. Mobile operators that allow you to withdraw money from your account include:

• beeline;
• MegaFon;
• Tele2.

It is important to understand that each operator provides certain conditions, as well as the possibility of transferring money.

Beeline: cashing out method

An operator such as Beeline allows via SMS. In this case, you can not transfer less than 1300 rubles. As for the maximum allowable transfer, it is equal to 15,000 rubles.

So, how to withdraw money from a mobile phone to Beeline subscribers? It's simple, you need to create a text message with the following content: "VISA 1597531237894562 1650", where 1597531237894562 - Bank card, and 1650 is the size money transfer. You can also specify a payment system such as Maestro or MasterCard. The message is sent to the number "7878".

MTS: Cash Out

MTS customers can cash out money from a mobile phone using SMS. A person should create a new message with the text: "card 1471597891234568 2150", where 1471597891234568 is the card number, and 2150 is the payment. SMS is sent to the number "6111".

It should be noted that the minimum withdrawal amount is 1700 r. As for the maximum allowable value, it is equal to 15 thousand rubles. At the same time, no more than 40 thousand rubles can be withdrawn per month.

Megaphone: withdrawal of money

Megafon customers can transfer funds from the phone balance to the card via text message. To do this, you need to create a new SMS containing the following text: "card 7412369852137952 1850", where 7412369852137952 is the card number, and 1850 is the balance to be transferred. SMS message sent to the number "8900".

It is important to note that a minimum of 1 ruble can be withdrawn from a mobile account. In this case, the maximum amount should not exceed 15000. For the transfer operation, the operator charges a commission equal to 5.95% and 95 rubles. If the transfer amount exceeds 5000, the sender will have to pay 5.95% and 259 rubles.

Money transfers in Tele2

All subscribers of the Tele2 operator should know how to cash out money from a mobile. To transfer funds, you should dial the number "159". The text requires the following text: "card 9518524567194628 1920", where 9518524567194628 is the card number, and 1920 is the payment amount.

In this way, you can withdraw at least 50 rubles. Concerning maximum amount, then it should not exceed 15,000. For each transaction, the operator charges a commission of 5.75% + 40 rubles.

Electronic payment systems

Recently, electronic payment systems have gained particular popularity. Users can transfer balance from their mobile accounts to systems such as:

• Yandex.Money;
• QIWI wallet;
• webmoney.

It should be noted that transfers from the number are carried out with a commission. For each payment system their rates.

Yandex.Money

Sometimes there are cases when it is not possible to use a plastic card. In this regard, the question arises, how to cash out money from the phone in this case? Users can use Yandex money. It is worth noting that after the transfer, it will be possible to pay utility bills or make purchases via the Internet. If the withdrawal is carried out for the purpose of cashing out, users should get a card from Yandex.

People who have purchased the numbers of the following operators can withdraw funds to the Yandex.Money wallet:

• beeline;
• MegaFon.

To send savings from your phone, it is recommended to use the following combination: "*code*personal account*transfer funds#". It is important to note that this method is relevant only for the Beeline and MTS operators. As for MegaFon, users should dial “*code*transfer funds*personal account#” on their smartphone.

From the Beeline number you need to send the code - "145", MTS - "112", and Megafon - "133". It is important to remember that a commission is charged for this kind of transfer. Tariffs can be found on the website of the service provider.

Another way to transfer funds from a phone number is the personal account of the service. Users need to go to the “Wallet Funding” section and then enter the transfer amount. It should be noted that the funds will be withdrawn from the number to which Yandex money is linked.

Qiwi wallet

Users living in the post-Soviet space are increasingly using a payment system such as QIWI. In this regard, the question arises of how to withdraw money from the phone through Qiwi. First of all, it is recommended to order plastic card, which is automatically linked to an electronic account.

On the loaded web page, it remains only to indicate the amount. It should be noted that the transfer will be made from the smartphone to which the wallet is registered. Each operator has its own commission:

• Beeline - 8.95%;
• MTS - 9.9%;
• Megafon - 8.5%;
• Tele2 - 9.9%
• Matrix - 3.9%.

The balance amount is transferred to the card in a matter of seconds.

webmoney

WebMoney is another popular payment system that allows not only making purchases on the Internet, but also cashing out money. In order for the mobile operator to transfer the required amount to an electronic wallet, it is necessary to log in to the payment system. Then you need to go to the "Wallet replenishment" section.

At the next step, you need to move the mouse cursor over the field: "From a bank card." In the menu that opens, select: "From a mobile phone account." It is worth noting that in this way money can be withdrawn from numbers:

• Beeline;
• Megaphone;
• Tele2;
• Baikalwestcom;

In this case, the commission ranges from 5.95% to 19.5%. The percentage depends on the selected operator. It is important to note that the minimum amount is only 10 rubles, and the maximum is 15,000.

Withdrawal via ATM

Users can withdraw funds from their number through an ATM. It is worth noting that only Beeline customers can transfer money from a phone in cash in this way. First you need to ask the operator what ATMs he works with. Since you can cash out money from your mobile phone account using a confirmation code, you do not need to leave your smartphone at home.

First you need to send a message to the number: "7878". The text should indicate the amount to be withdrawn. Within 30 seconds, you will receive a text message with a PIN code that you will need to enter into the ATM. It is important to note that you can withdraw from 100 to 5000 rubles. The specified amount must be a multiple of 100 rubles.

Virtual card

Every day the number of online stores in which you can pay with a bank card is increasing. Sometimes you don’t want to tie your “wallet” to a third-party resource. That is why virtual cards have become popular.

Some mobile operators allow you to register such a card. It can be created through a personal account. At present virtual card can be purchased from the operator:

• Megaphone;
• Tele 2.

As in the above cases, a commission is charged for the transfer. To withdraw the desired amount, you will need to enter your personal account, and then select the transfer to the card.

other methods

Every year there are new mobile operators. Unfortunately, most of them do not allow you to withdraw funds. Despite this, about 90% of operators provide users with such a service as transferring funds to numbers of other companies.

After such a transfer, you can withdraw money. The only thing to keep in mind is that each transfer of funds is fraught with a loss of interest. As a result, up to 30% of the original amount can be lost.

Another way to withdraw funds is to pay:

• fines;
• Purchase of goods.

Of course, in this way you can not cash out funds, but it is possible to save time. Often a situation arises when, having withdrawn money, they are still given away for paying for services, so why make extra moves.

Video instructions for withdrawing money from the phone

Summarize

There are a large number of ways that allow you to cash out money on your mobile phone account. Of course, it is best to withdraw funds directly to the card, but sometimes you need to transfer them to the account of the payment system. It all depends on the needs and capabilities of the user.

When making a transfer from your smartphone, do not forget about commissions. Often they are quite high. Therefore, if possible, it is better to refrain from such transactions.