What is the best way to get an e-wallet in Russia?? This question is asked by experienced users who already know that there are hidden commissions.

It is also worth remembering that in Russia many stores use only popular payment methods with the most famous electronic wallets. Therefore, we will look at universal wallets for life and business!

TOP 5 electronic wallets that are worth having

I use 15 different electronic wallets for transfers, but I can highlight as many as 5 that are used on the Internet in 90% cases and one can replace the other!

Click on one of the links above to learn more about each wallet and why it's better than the others.

1.Qiwi

Qiwi- this is not just an electronic wallet, but a whole bank! Qiwi ATMs can be found every 200 meters in a major city to top up your account or use additional services.

Information about Qiwi:

• Account replenishment: bank transfer (0%), Qiwi terminal up to 500 rubles (3%);
• Withdrawal methods: bank account (1.6%), to a bank card (2%);
• On-chain transactions: 0%;
• Visa card: 149 rubles;
• Availability of bonuses: cashback in 1000 stores.

Transfers from Qiwi to a Visa card occur instantly, but to MasterCard and Maestro the money takes two days.

Anyone can register for 149 rubles buy a Visa card, which will provide free banking services and no commissions when paying in stores. They will also give you increased cashback in 1000 different stores.

2. Yandex Money

Yandex money- an alternative to Qiwi. Usually, where Qiwi is not accepted, you can always transfer money using Yandex. However, the conditions are slightly worse than those of our leader.

Information about Yandex Money:

• Ways to top up your account: Sberbank (0%), any other bank (1%);
• Withdrawal methods: bank card (3% +45 rubles), bank account (3%);
• Payment for goods and services: commission 0%;
• On-chain transactions: 0.5%;
• MasterCard card: 199 rubles for 3 years;
• Availability of bonuses: cashback in 50 stores.

Everything looks good, and the most important thing is that they are developing very quickly and every year the audience of users increases significantly! People are often asked to make transfers using Yandex Money.

3. Payeer

Payeer is the most popular electronic wallet for anonymous payments on the Internet. It is also used by casinos (they allow you to replenish your account and withdraw money without commission).

Information about Payeer:

• Account replenishment: bank transfer (5-6%), exchangers (3.5%);
• Withdrawal methods: best through exchangers (1 to 1);
• Payment for goods and services: 0% commission;
• On-chain transactions: 1%;
• Suitable for MMM projects.

Usually they open this wallet and start playing games with bonuses, visiting special sites and collecting money. That is, it is profitable to create it to make money on the Internet.

4. AdvCash

AdvCash is an analogue of Payeer, which is located in Cyprus and requires identity verification. But any transactions within the network occur without commission.

Information about AdvCash:

• Account replenishment: bank transfer (1-3%), other electronic wallets (1%);
• Withdrawal methods: bank card (3.95+50 rubles), exchangers (1 to 1);
• Payment for goods and services: 0% commission;
• On-chain transactions: 0%;
• Suitable for MMM projects.

Nowadays it is most suitable for investing money on the Internet. Since there is no commission inside the system, no one will take part of your profit!

5. PayPal

PayPal- the most popular e-wallet in the world! Thanks to his freebie skills. And if you need to make international transfers and buy things from abroad, I think PayPal will be the best option.

PayPal Information:

• Account replenishment: bank transfer (0%);
• Withdrawal methods: bank card (0%);
• Payment for goods and services: 0% commission;
• On-chain transactions: 0%;
• Suitable for MMM projects.

Any deposits, transfers and withdrawals in one country occur without commission.

That's all, if you know another e-wallet that is better than these. Be sure to write in the comments and explain why (we may add to the list).

» List of online wallets

Online wallets: WebMoney, PayPal, Yandex and E-Gold.

Before you start directly, it is advisable to have online wallets in electronic systems: WebMoney and PayPal.
More about the features:

Online wallet WebMoney.

WebMoney is the largest, most reliable and authoritative online money system in the CIS (the most widespread online wallet in Russia). In fact, a WebMoney wallet is no different from an account in any, even serious bank. There are a lot of ways to deposit and withdraw money. Managing your money in WebMoney is easier and faster than managing money in a bank account. Even if you didn’t plan to make money from , you would still very much like to master the WebMoney online wallet. The ability to work with this system is the same sign of a modern PC user as, for example, the ability to work with MS Word.

Next on the list of online wallets: PayPal.

Wallet in the Yandex-money system

Some Internet entrepreneurs believe that the online wallet in the Yandex money system is even more reliable and profitable than in all other payment systems. The interface here is as simple and convenient as possible: you register on Yandex, open a wallet and can use it to make any financial transactions, including making money on Yandex right now: more on that below.

On the main page of the wallet, you will always see the history of your transactions: how many funds and where they came from into your account, how much was spent. In order to make a transfer to another user, you don’t need to look for special tabs, like on WebMoney: a special text field will be right in front of your eyes above the transaction history; you just need to enter the recipient’s number there.

It is very convenient to withdraw earnings from Yandex to a bank card: without uploading passport screenshots and other confidential information, you can link a Visa or Mastercard and successfully withdraw. There are no week-long delays, as, for example, on LavaPay, transfers are carried out instantly.

In addition to cashing out your earnings, you can pay online utility bills, internet, fines, etc. without additional commissions (in most cases). Yandex money provides a full range of services in this regard. You can make money on Yandex right now.

E-Gold.

Also, sometimes survey companies use E-Gold.
However, its work has been suspended since 2013.

1) If you register using WebMoney Keeper Classic, be sure to store the key file and password for it! Do not lose this information, otherwise it will be very difficult to regain control of your wallet! Personally, I sent it to my e-mail along with the password and can download it at any time.
2) When registering with WebMoney, you will indicate your contact e-mail. Be careful and do not lose the password for this e-mail. This is very important, because it will periodically receive information important for working with WebMoney.
3) Also, when registering, it is advisable to indicate your real data.
4) WebMoney has the ability to link a plastic card. Withdraw money directly, bypassing banks. More details

The popularity of electronic payment systems is difficult to overestimate.

The ability to instantly pay for goods and services and make money transfers in real time and anywhere is convenient for both freelancers, businessmen, and ordinary users.

There are many payment systems that allow you to transfer money anywhere, anytime. Let's look at the most popular ones.

WebMoney payment system

The WebMoney system allows you to instantly make secure and anonymous payments for goods and services. The instrument of lending and payments in the system are conventional monetary units:

1 WMZ: equivalent to 1 US dollar.
1 WMU: equivalent to 1 hryvnia.
1 WMR: equivalent to 1 ruble.
1 WME: equivalent to 1 euro.

Regardless of the operation performed, the system charges a standard commission of 0.8%. Anyone who has reached the age of majority can become a full participant in the system. To do this, you must go through the registration procedure.

How to register in WebMoney

The next step will require you to enter your phone number. Please note that you need to enter a number that has not been used previously in the system.

Fill in the empty fields in the window that opens and click “Continue.” Check again that the entered data is correct, and then confirm it by clicking “Next”.

Go to the mailbox specified during registration to view the registration code, which is required to confirm your mailing address. Enter the registration code and click “Next” or click on the link in the letter. Enter the code sent to your smartphone, click “Continue”.

To complete registration, you should come up with a good password and enter it in the appropriate fields. Registration is completed. However, to fully use electronic money, you will need to create wallets.

To do this, you need to go to the “Wallets” tab in your personal account, select the desired monetary equivalent, agree to the terms of the user agreement and click the “Create” button.

The wallet has been successfully created. In my case, it was assigned a number - R525586508927, where R is the designation of the ruble (Russian rubles) equivalent. Now, by indicating this wallet number, you have the opportunity to pay for services, make transfers and perform other operations in the system. Wallets can be managed directly through the Webmoney wallet site itself or using specialized software (Keeper WinPro).

Please note that during the registration process you received an alias certificate. This is the lowest level of certificates in the system and does not inspire confidence among users. To obtain a formal certificate, you must upload data and color scans of your passport to the WebMoney Transfer Attestation Center. The system does not charge a fee for obtaining a formal certificate. Professional certificates are required to work in the system as an Arbitrator or Registrar.

Withdrawal methods:

1) using the WebMoney.Cards service.

You can order the issuance of new cards and instantly top them up using your webmoney wallet:

PaySpark USD MasterCard- dollar card (issue fee - $12, $10 - initial deposit, $6 - payment for the first month of service);

PaySpark EUR MasterCard- card for payment in euros (issue fee - $10, $10 - initial deposit, $6 - payment for the first month of service).

Using these cards you can pay in stores and withdraw cash from ATMs. Please note that when withdrawing funds, a commission of 0.6% is charged, plus the standard system commission of 0.8%. To open a card, you must have a certificate of at least a formal one.

Residents of the Russian Federation can open ruble cards: Maestro, MasterCard Standard. To apply for a card, you must leave an online application at https://wm-card.com/ and visit an authorized representative of the NPO “Network Clearing House” with an identification document;

2) withdrawal to any bank card(or to a savings book account).

The commission is 1%, and withdrawal conditions depend on the monetary equivalent. So, in order to withdraw rubles to a ruble card, you must first attach the card to WMID; to withdraw dollars, you just need to indicate the card number, its expiration date, and the amount to be topped up;

3) Money transfers in the Contact, Unistream, Zolotaya Korona, Leader, Anelic, NPO SRP systems.

Only WMR can be transferred, and payments are available only in the Russian Federation. Commission size - from 0.5 to 3.5%;

4) at exchange offices. The commission amount is from 1%.

Replenishment methods:

1) using a plastic card (2.5%);
2) using payment terminals (1%);
3) from a mobile operator account (5.95–12.5%);
4) through bank branches (1–7%);
5) postal transfer (2.2%);
6) prepaid recharge cards (0%);
7) ATMs (1–3%);
8) WebMoney exchange points (0–4%).

Review of the Yandex.Money payment system

The Yandex.Money electronic payment system allows you to make instant payments between users. Initially, it was developed for mutual settlements between residents of the Russian Federation, so it uses only one monetary unit - the Russian ruble. The system uses modern Paycash information security technology.

Anyone can use Yandex.Money. To do this, you need to go through a simple registration procedure. Yandex.Money does not charge commissions for payments to connected stores and account top-ups. When transferring to another wallet, a commission of 0.5% of the payment amount is charged.

How to register in the Yandex.Money system:

Any wallet opened in the system is anonymous. This imposes restrictions on deposits and withdrawals of funds, as well as on internal transactions. Thus, an anonymous person cannot store more than 15 thousand rubles in his wallet; a one-time payment is limited to a similar limit.

Obtaining personal status for a citizen of the Russian Federation is quite simple. To do this you need to go through the identification procedure:

1) in the upper right corner under the wallet number, click the “Anonymous” link;

2) in the window that opens, click “Get personal status”;

3) enter your passport details.

Input methods:

1) transfers through the systems “Contact”, Anelic, “Unistream”, “City”;
2) in self-service terminals;
3) Yandex.Money prepaid card;
4) cash at the bank (Sberbank-online);
5) direct transfers to the wallet from other users.

Withdrawal methods:

1) using a Yandex.Money bank card. The card allows you to pay in hotels, restaurants, supermarkets, and withdraw cash from ATMs in any country where there is a reader with the MasterCard PayPass sign. You don’t have to pay anything for issuing the card and delivery; 3 years of card maintenance cost 149 rubles;
2) to a card of any bank. This withdrawal method involves a commission of 3% + 15 rubles (up to 3 business days);
3) to the bank account of individuals and legal entities (up to 3 working days);
4) expedited transfer to one of the following banks: Alfa Bank, Otkritie Bank, Promsvyazbank, Tinkoff Bank (within a few minutes);
5) through transfer systems: Western Union, Contact, RNKO RIB, Idram.

QIWI is a universal instant payment service that includes not only an Internet version and a mobile application, but also a large-scale network of terminals around the world.

By creating a wallet in the QIWI system, you can pay for goods and services, transfer money anywhere in the world directly from your phone, PC, laptop, tablet or through a terminal.

The QIWI service cooperates with the Visa payment system. At the same time, the main advantage of Qiwi is the ability to maintain complete anonymity. Through Qiwi cards you can withdraw up to 40 thousand rubles in cash every month without disclosing information about yourself.

The transaction limit for an unidentified user is 100 thousand rubles, which means the remaining 60 thousand rubles can be used for purchases in stores and other places where plastic cards are accepted.

How to register

The registration process is quite simple: to do this, you need to enter your mobile phone number by following the link https://qiwi.com/, and click the “Create wallet” button. At the next stage, you need to confirm the password and enter the code received in the SMS message.

Qiwi vouchers

A convenient way to transfer money to the recipient. Send any amount up to 15 thousand rubles by email. The recipient will receive a letter with a link to activate the transfer, and no information about the sender of the payment will be displayed. In some cases this is very convenient. Transfer fee – 0%.

Replenishment methods:

1) in cash at payment terminals, communication shops, and ATMs. Commission amount - 0%;
2) bank cards - commission 0%;
3) from your phone number. Commission of MTS - 9.9%, Megafon - 0%, Beeline - 7.95%, Tele 2 - 9.9%, Matrix - 3.9%;
4) transfers “Leader”, “Contact”, MASTERCARD MONEYSEND, Anelik, UNISTREAM, WesternUnion. Commission - 0%.

Conclusion:

1) to a Visa, Mastercard or Maestro bank card: commission 2% + 20 rubles, to other countries - 2% + 40 rubles;
2) to Russian Post Offices: commission 2.5% + 60 rubles;
3) transfers “Leader”, “Contact”, MASTERCARD MONEYSEND, Anelik, UNISTREAM, WesternUnion;
4) to an account opened in any bank: 1.6%, but not less than 50 rubles;
5) issuance of a Visa plastic card synchronized with your QIWI account. The card allows you to make payments in any servers that accept Visa cards, and withdraw money from any ATM in the world. Service and SMS notifications are free.

Review of the PayPal payment system

PayPal is a fast-growing payment system that gives users the ability to make payments using webmail, mobile phone, tablet or laptop.

System advantages:

Confidentiality;
the ability to send and receive payments anywhere in the world;
sending funds is carried out with a minimum commission;
a convenient means of payment on eBay auctions.

How to register

Go to link, select your country of residence, the language in which the information will be displayed, and your account. The system offers personal and corporate accounts. To open a business account, you will need to provide information about the business area, address and company name. There are no fees charged for online purchases or for accepting payments. Select “Personal Account” and click “Get Started”.

On the page that opens, you will need to fill out all the fields and click “I agree and open an account.” You are taken to your personal account page and have the opportunity to use all the functions of the service.

PayPal Features:

Sending payments to any user by email (as in Qiwi);
money transfers to a bank account;
request to receive payment. The tool allows you to send emails with a payment form;
tools for websites that allow you to place quick payment forms on third-party resources;
tools for trading at auctions.

About the commission

There is no commission for some services; in all other cases, its size ranges from 2.9% + 10 rubles to 3.9% + 10 rubles, depending on the sending amount.

Drawing conclusions

It is difficult to say which of the reviewed systems is better. If anonymity is important to you, choose Qiwi; for business and online work, WebMoney or PayPal are good options. If you are a citizen of the Russian Federation, take a closer look at the Yandex.Money system. Of course, no one forbids registering in all of the above systems and using them as needed.

(16 ratings, average: 5,00 out of 5)

Hello, dear readers of the blog site. Electronic money is increasingly becoming part of our lives. This is connected primarily, which has now become one of the most necessary attributes of our lives.

Moreover, he has long since crossed the level when we only gained knowledge there. Now we live online - we communicate, buy, sell, pay for services, make friends, etc., etc. It is quite logical that in this environment their own systems of mutual payments arise, allowing one to move away from.

At the moment, there are already several dozen payment systems in Russia alone, and even more in the world. Of course, not all of them are well-known, but the very fact that there is competition gives ordinary users of electronic payments (all sorts of goodies to entice), which might not have existed in the absence of a fight for the client.

Of course, it will not be possible to cover all the players in one article (and there is still a wild excitement around them, which I wrote about in a separate publication), but we will definitely consider the most popular ones. At the end of the publication, I will also invite you to vote for the Internet currency that you personally prefer.

Three leading payment systems in Russia

It all started a very long time ago (mainly at the end of the last and beginning of this millennium). At that time, monetary relations began to actively develop on the Internet (electronic commerce, etc.) and the only available form of payment was plastic cards. The emergence of Internet money options has made it possible to significantly simplify the process of paying and receiving payments via the network (without leaving home).

But not only on the Internet, because now various electronic wallets offer you to use those on them not only for any operations on the Internet, but also in real life. For example, a system linked to an account, with which you can pay for your purchases in real life (supermarket, boutique, gas stations and other places where cards are accepted for payment). In fact, many payment systems already offer similar services.

In Russia you can highlight 3 leading payment systems, but I think it’s unlikely to be possible to put them in their strict places. In each individual case, you will need to choose exactly according to your needs.

For example, Qiwi is truly a “people's” system and everyone who knows what payment terminals are works with it. At the same time, WebMoney is used by almost everyone who earns money in the Russian-speaking part of the RuNet. Both Yandex Money and other electronic wallets have their own audience. But first things first.

Qiwi payment system

If the main complaints about working with Qiwi (and many other systems) relate to the work of their technical support service, then in the WebMoney payment system the main problem is. Personally, I solved this problem for myself, which does not allow me to make a single payment or authorization on sites without confirming this action on my mobile phone (you receive a confirmation code in the form of SMS, or you install a special application on your phone to generate it).

Also, the safety and security of this electronic money depends. There are several of them, and I wrote about some of them in some detail at one time:

You also need to understand that there are various Internet currencies that circulate within this system. Currencies, of course, are conditional (in fact, these are just title units), but are strictly tied to the official exchange rate of the real currencies coinciding with them (fiat money).

The main ones, of course, are dollars (WMZ) and rubles (WMR), but euros (WME), hryvnia (WMU), Belarusian rubles (WMB), etc. are also in circulation. In this regard, the need very often arises. Read about the most profitable ways to do this in the article below.

Electronic Yandex Money

Personally, this system attracts me because it can link a plastic card from Yandex to your wallet, so that you can then use it to pay in the store and in all other places where MasterCard is accepted. In this case, the account on the electronic wallet is equal to the balance on the card and no interest is charged for such use (a commission is charged only when withdrawing money from an ATM). In my opinion, this is a very convenient way to withdraw pennies earned on the Internet.

This payment system allows you to deposit and withdraw funds in a variety of ways, as well as pay for many services and goods. There is a mobile phone application that allows you to conveniently work with your e-wallet without having to download a browser. In general, read about that in the article provided.

8 best electronic payment systems in the world

— once upon a time, the Payoneer Mastercard was the only acceptable way to withdraw funds earned by freelancers and stockers abroad. Nowadays, quite a few similar systems have already appeared, but Payoneer (or Pioneer) still remains in great demand, because many bourgeois exchanges and sites for making money cooperate only with it.

The main feature of the system is to receive a branded card and withdraw money earned abroad from it through any ATM in the world. Although it is now possible to withdraw money from a Payoneer account directly to an account in a local bank and with a not very high commission percentage, many do not want to show their income to the bank and use the card, because it is not connected to a bank account (prepaid) and there are no problems there should not be any problems with the tax authorities only when using it.

Previously, withdrawing money from Adsense was quite inconvenient, but after connecting to Rapida everything became just fine (though only for residents of Russia). The fact is that in the Rapida system you can configure payment templates for the transit of electronic money from Adsense to any terminal options for cashing them out that are convenient for you. Moreover, the templates are executed automatically when a payment is received from Google’s contextual system.

Liqpay— Ukrainian payment system, the account in which is linked to the account in Privat Bank. It positions itself as an alternative to the world-famous PayPal and Moneybookers, but in reality this is, of course, far from the case. Working with electronic money is quite safe, and read about the rest at the link provided.

10 most popular cryptocurrencies in the world

Cryptocurrency in general is difficult to classify as a payment system, because due to the nature of this system, there cannot be owners or people managing (and even administering) this system. She is launched and she begins to live her own life, essentially not obeying anyone (all thanks to cryptography based on the great and terrible, which simply works wonders). This is its charm and, in a sense, its disadvantage.

It is also difficult to equate crypto-currency with electronic money, because there is not yet a developed network of services and goods that could be bought with crypto-money. Something is possible somewhere, but it is still in its infancy. But at the same time, speaking about electronic money, it is impossible not to plunge into the crypto world. Why?

Because cryptocurrency is an excellent tool for speculation, i.e. fast, often high-risk, but also very high earnings. Someone sells their home, and in a month or two doubles their capital. Some people play “small” and have a stable additional source of income. There is a rush of demand for cryptocurrency and it is becoming more expensive.

Almost any cryptocurrency can be freely exchanged (buy or sell) for fiat (rubles, dollars, euros...) or electronic (Qiwi, Poisons, AdvaCash...) money. For this purpose, there are a whole bunch of special services on the network that can be divided into two parts.

Just 10 years ago, the concept of electronic money was little known to Russian residents. Only the WebMoney payment system was fully operational in the country, and Yandex.Money was gradually entering the market. Today, there are so many payment systems available to Russians that it’s easy to get confused. Novice network users often have questions about which e-wallet is best to choose. Our article will help you figure this out.

What to consider when choosing a wallet

First of all, when choosing where to open an electronic wallet, you should decide the purpose of this event. Roughly formulated, there can be three goals:

• receive money in your wallet;
• spend money from your wallet;
• receive and spend money.

First, let's deal with the second point. Many people create an account in an electronic payment system in order to make purchases in online stores, but not reveal their bank card information. If for some reason a virtual card from your bank is inconvenient for you, this is a completely reasonable solution. In this case, you should evaluate the following properties of each wallet:

• prevalence of the payment system;
• the ability to pay in your usual online stores;
• ways to replenish your wallet;
• replenishment commissions.

For example, today’s popular Aliexpress accepts payment through the Yandex.Money system, while on eBay you can only pay using a PayPal account; this site does not accept either WebMoney or Yandex.Money. Therefore, for regular users of this auction, these wallets will be absolutely useless.

The next option is that you want to create a wallet to receive funds. For example, to transfer your wages from your employer (relevant for freelancers), make payments for purchases (for those who earn money through craft activities) or collect donations. Here, oddly enough, you will have to focus primarily on the preferences of those who will transfer funds to you. You should evaluate:

• number of ways to replenish your wallet;
• possibility of replenishment from a bank card;
• the presence of a commission for replenishing an account;
• degree of distribution of the payment system.

For example, if you plan to sell your goods only to buyers from Russia, you can only pay attention to payment systems that are popular in our country. If you want to enter the global handmade/freelancing market, etc., you should find out which payment methods are most popular in the region of your interest. For payments to America and European countries, PayPal is best suited. It is more familiar to residents of foreign countries, and also provides protection for the buyer. And, of course, you should analyze the possibilities of withdrawing funds from the system, their cost and range.

Advice: when collaborating with one or two employers, choose the wallet that will suit their interests. Also, when working on services that allow you to earn money through the network, choose a payment system with which these services cooperate.

Electronic wallet instead of a bank card

Let's consider the last option - if you plan to use an online wallet as an alternative to a regular wallet. That is, not just withdraw the funds received to a bank card, but pay for basic needs directly with his participation. It's worth finding out here:

• what capabilities are built into the payment system;
• what are the limits on spending funds;
• whether the system can provide a physical means of managing the wallet;
• how can you cash out and how much does it cost?

For example, with the help of WebMoney and Yandex.Money, you can easily pay not only mobile communications, but also utilities, taxes and fines, Internet and television, and many other bills. But the Qiwi payment system provides its users with a plastic card linked to a wallet, with which they can make purchases in offline stores. However, Yandex also has such a service.

In a word, before making your final choice, carefully analyze your capabilities, needs and plans for the payment service. An incorrectly chosen wallet can not only add inconvenience to everyday life, but also lead to financial losses due to large transaction fees or the outflow of clients/employers for whom it will be inconvenient as a means of payment. And having formulated a list of requirements, you can begin studying the offers of payment systems. We will tell you about the most popular of them.

The most popular wallets in Russia

Today in our country the most common electronic payment systems are:

• WebMoney;
• Yandex money;
• Qiwi;
• PayPal.

Each of them, in addition to a large number of ways to replenish your wallet and withdraw funds, has a Russian customer support service. This can help if difficulties arise both in the process of creating an account in the payment system and during its use. Let's talk about the main features of each wallet.

WebMoney payment system

For a long time, those who needed a wallet to work via the Internet could only use an account in the Webamni system. This company was one of the first, if not the very first, to provide electronic money services in the Russian Federation. Over the years of operation, the payment system has acquired a solid infrastructure. Today, using her wallet you can:

• make purchases in most online stores;
• pay bills and receipts (including fines and taxes);
• pay for Internet services, cellular communications, satellite TV, etc.;
• make transfers all over the world.

The undoubted advantage of WebMoney is its multicurrency. You can link several wallets to one account, each of which will be dedicated to its own currency. In the Russian Federation, ruble and dollar wallets are most often in demand. In total, the system provides 10 types of currencies, including not only euros and Belarusian rubles, but also the recently popular Bitcoin. You can top up your wallet in different ways:

• from a bank card - via an ATM or Internet bank, depending on the issuer;
• from a bank account;
• from another electronic wallet (including one not belonging to the system);
• from mobile phone balance;
• postal transfer;
• cash - through terminals.

Important! The timing of crediting funds and commissions for replenishment will depend on the type of wallet.

WebMoney has a cooperation agreement with some banks. For example, transactions between any of the system’s wallets and an Alfa Bank card/account will be carried out instantly and will cost the user only 1% of the transferred amount. For comparison, when replenishing your wallet from a bank card that is not included in the list of partners of the system, for an amount of up to 2800 rubles, you will be charged a commission of 50 rubles, plus bank commissions.

Payment system Yandex.Money

If you search on the Internet for the answer to the question of which e-wallet is best to open in Russia, user reviews will most often recommend Yandex.Money. This system has been operating in our country since the mid-90s, and has also managed to acquire a wide infrastructure. Wallets can only be created in rubles. And largely thanks to this, working with the system is simple and intuitive.

Any user of the system who has registered a wallet can receive funds. But in order to make transfers, pay invoices or withdraw money from the system, you will need to go through identification. There are several ways to do this:

• using Sberbank Mobile Banking;
• by transferring funds to the wallet account through Euroset, Svyaznoy or the Contact system;
• by sending an application and notarized copies of personal documents to the payment system address.

Important! The identification procedure is paid, its cost depends on the chosen method.

Having passed the identification, the owner of the wallet has the opportunity to use it:

• pay for purchases on the Internet;
• pay taxes and make other contributions to the budget;
• pay for utilities, use of cellular communications, Internet, etc.;
• make money transfers both within the system and to bank cards of third parties;
• withdraw money from your wallet to cards and accounts of any banks.

Important! The payment system has partnership agreements with a number of banks (Alfa Bank, Promsvyazbank, Sberbank, etc.), allowing you to withdraw funds to their accounts instantly and without additional commissions.

In addition, Yandex.Money provides its clients with the opportunity to receive a plastic card, the balance of which will be shared with the wallet. Thus, you can pay with electronic money in regular stores, cafes, service centers, etc. This card can also be linked to contactless payment systems - ApplePay or SamsungPay. The cost of the card is 200 rubles for three years; no commissions are charged when making payments through terminals.

Payment system Qiwi

This payment system allows you to create a wallet using only a mobile phone number. A one-time password is sent to the specified number, which acts as an analogue of user identification for the system. Using the wallet, the user can:

• pay for cellular communication and Internet services;
• make payments for loans from a number of banks;
• pay fines to the traffic police;
• top up parking accounts;
• pay for applications, gifts and votes on social networks;
• pay for utilities (in some management companies).

The system also allows you to transfer funds between different wallets, send money to bank accounts and cards, send finances through money transfer systems (postal, Contact, American Express, etc.).

Important! The currency of a Qiwi wallet can only be Russian rubles.

To replenish your wallet, you can use one of the system’s terminals, which are abundant in almost every city. In addition, replenishment is possible through Internet banking systems, from a bank card account through ATMs, and even from the balance of a mobile phone. Qiwi cooperates with many microcredit companies, so that wallet owners can receive loans online to accounts created in the system.

Important! Also, any client can get a Qiwi plastic card, the balance of which will be shared with the wallet. The card is accepted for payments in most stores.

Payment system PayPal

For those who are going to sell goods online, or, on the contrary, make purchases in foreign online stores and from individuals, the best e-wallet is PayPal. This system was created specifically for settlements between sellers and buyers. The wallet identifier in it is the client’s email address. This allows you to secure your personal data, including information about accounts, cards and other means of payment.

Important! A PayPal account is opened in the currency of its owner's country. For international payments, funds are converted automatically at the internal rate of the system.

You can top up your wallet using a bank card from any bank. But the further use of credited funds is very limited:

• transfer to another PayPal account;
• withdrawal of funds from the system (to a bank card linked to the wallet).

That is, no payments of third-party bills can be made using this service. But it is very convenient for shopping. PayPal has a very strict buyer protection program. When paying for the goods, funds are transferred to the seller’s account, but are blocked on it until the buyer confirms that the goods have been received and that there are no claims regarding them. Otherwise, the spent funds can be returned, and all commissions for transfers will fall on the seller.

The system operates both abroad and in Russia. But in our country it is not very widespread yet. For transactions within the Russian Federation, it is more convenient to use Yandex.Money or WebMoney.