RBK Money: replenishment from a card and withdrawal to a card. RBK Money - why you might need a wallet in RBK and what is remarkable about this payment system RUpay Transfer money from rbk money

The company has been known under this name since 2008. Until that time, it was called Rupay and was also quite in demand. The system was founded jointly by Russian and Ukrainian programmers and economists.

By and large, RBK Money does not offer clients anything fundamentally new (at least for now) that would significantly distinguish the system from its competitors.

With an RBK Money wallet, you can:

send money to system participants and receive funds from them;
pay for services and goods of various companies (including housing and communal services - the list of system partners is very long).

As you can see, everything is standard. Therefore, let's go through each point of cooperation with RBK Money to determine the features of the system.

Registration in RBK Money

Naturally, to get started, you need to register and create a wallet (the system currency is Russian rubles). There are two levels: identified and unidentified. It is clear that at first the status will be with the prefix “not”.

This can be corrected by passing identification, but more on that below. In the meantime, let's look at what is the difference between wallets? And the difference is in opportunities. The identified one has more of them. Firstly (in addition to paying for goods in online stores), the owner of such a wallet can exchange funds for other currencies.

Also, for the owner of an electronic identified wallet, the limits on withdrawal, deposit and transfer of funds are increased. In addition, such a wallet can be replenished by a legal entity. According to the rules of the system, one wallet is tied to one email address.

There are two ways to go through identification:

You must print the application from the official website and fill it out in block letters. Then you need to make copies of your passport. Together with these documents, the client is sent to a notary, who certifies copies of the passport and the signature on the application. Then the documents are sent by mail to the RBK Money company, which within 10 days after receipt changes (if everything complies with the rules) the status of the wallet to “identified”.
You can go through identification through the CONTACT system. To do this, you need to come with your passport to the CONTACT payment acceptance and sending point, tell the employee your wallet number and pay the receipt. The cost of the service is 200 rubles, of which 150 is the system commission, and 50 rubles. are credited to the client's account.

Among the nuances, it should be noted that RBK Money reserves the right to require the user to undergo identification at any time. And until he does this, the system has the right to block expenditure transactions.

Topping up your RBK Money wallet from a card

This action can be carried out in several ways: using a payment card or bank transfer, through Russian Post, money transfer systems (CONTACT, Zolotaya Korona, LEADER), Internet banking and in communication stores (MobilElement, Euroset, Svyaznoy, etc.).

The variety of methods is pleasing to the eye, but we will dwell in more detail on the one associated with plastic cards.

To top up your RBK Money wallet using your bank card, you first need to add it to the system. To do this, log into your account on the website and find the “Bank Cards” tab. The adding process begins automatically (you will have to enter personal data and card information). Following the system prompts, you will reach the point where adding a card must be confirmed.

An amount is blocked on your account (from 1 to 7 rubles). Within 10 hours, the system participant must enter the blocked amount, penny for penny, in the field. After completing the formalities, the money will be returned to your card.

Withdrawing funds from the RBK Money system to a card

You can withdraw money in three ways:

To a bank card.
To a bank account.
Through the CONTACT system (commission - 3.5%).

We are especially interested in the first method. And right away about the main thing - you can withdraw money from the system only to a ruble card of a Russian bank. To do this, you need to select the appropriate section in your personal account and enter the card account details.

Funds are withdrawn within 3-5 business days.

Tariffs and restrictions RBK Money

Finally we come to the most interesting part. Let's start by replenishing your wallet using a bank card (no commission is charged).

The maximum size of one transaction for replenishment is 50,000 rubles.
The maximum possible amount of transfers per day is RUB 300,000.
The number of transfers per day is 6 transactions.

As for withdrawals, an individual can withdraw no more than 10,000 rubles for free. per month. Withdrawal of a larger amount is carried out by urgent withdrawal (not 5, but 3 working days), for which a commission of 2.95% is charged.

Conclusions about the system

Of course, RBK Money has attractive features. Among them, it is worth noting that the user does not need to install any programs on the computer - all work is carried out through the website, which, by the way, has a convenient and intuitive interface. Right here you monitor the status of the completed payment. In addition, if you have any questions, you can contact the online consultant at any time.

Another positive point is the low commission. And using funds within the system (transferring to other users or paying for goods and services) is generally free. This is the main advantage, after which there is no need to talk about the disadvantages. Because replenishment is free, payments and transfers are too. What else is needed?

Yes, another plus - the user can optionally allow login only from a specific IP address, and transactions in RBK Money are protected by a multi-level security system.

Generally speaking, “on paper” the RBK Money EPS looks stronger than many of its competitors, which we have already discussed at Credit Card.

This is not a very popular payment service that has already existed for almost 15 years. For most business people, this is an excellent opportunity to quickly replenish their account, as well as the opportunity to quickly withdraw funds without unnecessary overpayments and hassle. The variety of methods offered will pleasantly please customers.

So, with RBC Money, withdrawal methods are available to:

VISA and MasterCard cards;
Internet banking;
electronic payment systems;
mobile balance.

There is no doubt that RBK money is a reliable platform that provides a full guarantee of protection from various charge-backs and possible frauds for any payment method, but due to its rather meager capabilities it is not as popular as .

Withdrawing RBK money to VISA and MasterCard bank cards

The most common method of withdrawing funds is to a bank card. Here, clients are offered two options, both of which are quite convenient, but are fraught with various financial costs - up to 10,000 rubles. The transfer is carried out within 5 working days, but without any commission. If you are interested in a shorter transfer, then this is also possible, but with a commission of 2.95% and with a shorter withdrawal period - up to 3 business days. Only Russian citizens who have confirmed data have such a right. The monthly limit for withdrawing funds from your wallet is 600,000 rubles.

Withdrawal of funds to a bank account

The conditions for withdrawing RBC money to a bank account are similar to the previous one, but the daily withdrawal limit is limited to 10,000 rubles. Funds are credited to the account within 5 days, and with commission - within 3 business days. The algorithm of your actions will be as follows:

in your personal account, open the “Payments” sub-item;
Next, select the sub-item “Withdrawal of funds”;
in the window that opens, select the item of interest “To a bank account”;
you will need to correctly fill out the form provided, as well as personal data, which must completely match the information about the owner of the wallet in the system, the correct bank details, then click “Next”;
Confirm the payment made by the client for the amount of funds you are interested in.

If you chose a refund without commission from the offered options, then the funds will be received within 5 days, but in this case a bank commission may be charged, each banking organization has its own. If you chose the second option - refund with a commission of 2.95% - here the bank commission will already be included and the funds will have to arrive within 3 days.

Mobile account replenishment

With the help of RBC money, you just need to top up your mobile phone account - the money arrives almost instantly, without any commissions. Many mobile operators also provide the opportunity to cash out, but with a fairly high commission. So, in Megafon it is approximately 7.95%. But if you are deprived of access to other methods, then this will be a good way out of a difficult situation. Many people prefer to top up the accounts of their work colleagues, receiving some amount without tedious cash deposits and trips to terminals. To top up your mobile account, you will need to log into your personal account, then:

choose mobile top up;
enter your phone number;
confirm that your payment information has been entered correctly by sending a message to your email or contact number;
Confirm the correctness by entering the sent code.

Withdrawal of money through the payment system Contact

The withdrawal percentage here is higher and reaches approximately 3.5%, but with the possibility of receiving money on the day you use these services. You can receive your funds at any bank branch closest to you that cooperates with RBC. To do this you will need:

give the number of the wallet you need in the system;
have with you a passport confirming your identity.

Withdrawal of money via RBK-money bank card

The most economical way to withdraw funds is to receive an RBK card. This will not require you to carry out any other manipulations, and the withdrawal of your funds will be interest-free. It is important not to forget that this does not apply to third-party terminals - they may have a commission, reaching approximately 5-8% for one withdrawal!

The RBK Money payment system appeared after the name of Rupay was changed as a result of its purchase by the media holding RBC Information Systems in 2008. The credit organization NKO EPS LLC became the new owner in 2012. It operates throughout Russia. The year 2016 has been declared the year of reboot, global rebranding. During the existence of RBK Money, there were both negative reviews and cases of fraud, and now the team is going to improve the position of the payment platform.

Registration on the RBK Money platform

Creating an electronic account is easy. To do this, you need to follow the link rbkmoney.com/ru/koshelek-rbk-money. Be sure to fill out the fields marked with an asterisk.

Do not allow the RBK Money service password to coincide with passwords from other payment platforms.

After filling out the required data, go to the account security settings page. We indicate the payment password, the answer to the secret question and enter the captcha. A letter with activation instructions will be sent to the specified e-mail. The platform is available to legal entities and individuals. Registration in the RBK Money service is free.

To log into the system, as well as view your balance and other account data, you must enter your login password. When making payment transactions in RBK Money, transferring and exchanging funds, the system will require you to enter the so-called RBK Money payment password. This is for added security.

The Wikimoney website recommends taking the Lazy Investor Course, where you will learn how to get out of your financial ass and learn how to earn passive income. No enticements, only high-quality information from a practicing investor (from real estate to cryptocurrency).

Types of wallets

After registration, a standard RBK Money account becomes active, naturally, which has certain restrictions. You can upgrade your RBC Money electronic account to an extended one by confirming the owner’s personal data.

Owners of improved wallets have the following benefits:

monthly limit RUB 300,000;
commission for transfers 0.3%;
withdrawal of monetary assets in the amount of up to 300,000 rubles;
exchange for electronic money 100,000 rub. per month.

You can confirm your personal data by providing a completed application in the prescribed form (certified by a notary and sent by mail). You can also come to the Contact transfer acceptance point with your passport and send 50 rubles. at your own expense.

Top up your account in RBK Money

You can deposit money into your wallet in the following ways:

using Internet banking;
by placing money in a payment terminal;
Bank transaction;
in Euroset stores;
money transfer;

Replenishment through Internet banking occurs instantly, and no commission is charged. When paying or topping up through Eleksnet, DeltaPay, Comepay, Rapida terminals, select the required provider and insert banknotes. The commission is 0%, credited to your RBK Money account instantly. Crediting to the account by bank transfer takes up to 3-5 business days, and a commission is charged according to the bank's tariffs.

No more than 200,000 rubles, available only to residents of the Russian Federation. At any “CONTACT” point in Russia, no commission is charged when transferring to RBK Money. Using electronic Webmoney, Mobile wallet, Yandex Money and others, you can top up your RBK Money wallet. Commission is charged.

Exchange RBK Money

Naturally, the RBK Money platform is integrated with various payment systems. In particular, exchange is carried out for Webmoney and Yandex Money. On the website banks.webmoney.ru you can organize the exchange of Webmoney for RBK Money. To do this, you will need to issue a formal Webmoney certificate and an extended one in RBK Money. After this, you need to specify your RBK Money account in the “Link account / card” menu. After the merger we make an exchange.

Exchange exchanges are also actively used, for example, BestExchangers.ru. More details about the exchange can be seen in the following video:

Security, fraud protection

RBK Money positions itself as a multi-level secure system. Previously, there was a program called “100% guarantee”. According to this program, you are fully insured against theft of your money, and if this happens, which is unlikely, the resource will fully compensate for your damage.

In case of problems with fraudulent activities, you need to write to technical support, which works around the clock. By describing the problem to the security service, RBK Money will protect you from fraudulent schemes. However, in practice, cases of money being written off from electronic accounts are often mentioned, and problems are observed with the withdrawal of funds.

Security is provided by two separate passwords, and you can also enter control by IP address. Payment procedures at RBK Money are applied using SSL cryptography with a 128-bit key. In addition to the measures listed, there is protection against chargebacks (chargebacks) and fraud (for example, theft of card data on the Internet). At least that's what they assure us on the website.

Let's sum it up

In conclusion, we note that the RBK Money electronic payment system has certain advantages, namely: commission-free replenishment, instant payment, more than 250 thousand points of depositing funds throughout the Russian Federation, good integration with online stores, work with 120 different currencies. However, you can also find negative reviews about RBK Money. These are quite high tariffs, difficulties in working for residents of the CIS, and the lack of special programs to popularize the service. In 2016, the service is pursuing a policy of global changes, starting from design to the platform itself. This is for added security.

Among the most frequently used payment services in Russia we can mention RBKMoney - a progressive online platform that allows you to make fast money transfers. Services include transfers to debit and Internet payments, mobile payments. In addition, the RBC network includes thousands of terminals and divisions operating in different regions of Russia. The company works closely with 40,000 online stores, and the total number of active users of the system in 2016 exceeded 6 million people. For maximum functional use of RBC, a new participant will be offered to register a personal wallet.

RBK Money - payment system

The service was registered in the format of a virtual payment platform in 2002 in Ukraine and was originally called RUpay. In 2008, the product became a full member of the RBC holding, as a result of which it received a new name, which is still used today. Currently, RBKMoney is a payment system that offers users extensive functionality. Opportunities include fast money transfers, payment for goods in online stores, online payments for utility bills and mobile communications. In addition, owners of the RBC wallet can freely withdraw funds from it to bank cards.

RBK Money wallet

Registration of a personal electronic wallet on the RBC-money platform opens up even greater opportunities for its owner. Among the main advantages that the RBKMoney wallet has is the ability to pay for purchases online without overpayments, interest-free replenishment, and free withdrawal of the balance to a card or bank account. Registration is also free and takes minimal time. Owners of wallet accounts in the RBC system have access to qualified technical support services operating 24/7.

Payment RBK Money

One of the main functions of the payment platform, which is used daily by tens and hundreds of thousands of users, is payment for goods and services in online stores and other retail outlets. The number of online stores accepting RBKMoney payments has already exceeded 40 thousand. At the same time, the buyer does not need to worry about hidden payments and commissions: when carrying out a trading transaction, only the selected goods or services are paid for, the system commission is 0%. In the event that after settlements there is money left in the RBC account, you can always withdraw it to a bank card.

RBK Money card

Each user of the RBC system has the opportunity to issue a personal plastic card of the international payment system Visa. The RBKMoney card allows you to instantly withdraw funds without commissions - for all financial transactions linked to your personal wallet. Moreover, all other operations are carried out with a minimum commission, which in this case will be much lower than in the case of other credit and banks. Cardholders can freely transfer funds between their own wallet and the card at any convenient time.

Commission RBK Money

In turn, the amount of the RBKMoney commission depends on the type of service and the tariff plan chosen by the user. In particular, within the “Basic” tariff plan, money transfers from individuals are carried out without additional commissions; when transfers are credited to the client, 3.9% of the total payment amount is withdrawn. The withdrawal of money from a wallet to a bank account/plastic card and the return of money to the sender of the transfer (payer) are also not subject to commission costs. A complete list of tariffs operating under various tariff plans can be found on the official website of the service.

Hello, dear readers of the blog site. Today I want to continue talking about. Next up is the fairly well-known Russian payment system RBK Money, which in terms of turnover and popularity is, of course, inferior to the giants, and, but can be attractive in terms of what it contains There is practically no commission of any kind for using the wallet, for transfers within the system, as well as for depositing and, in some cases, withdrawing funds from your account.

In general, an idealistic picture emerges, which is spoiled only by numerous complaints about the stability of RBK payments. Some users complain about their failure to complete and a very sluggish response, as well as the actions of the technical support service that are practically fruitless.

It turns out that having absorbed all the best that the Runet analogues have, and also becoming in fact the Russian equivalent and (without the problems of withdrawing funds that are inherent in the bourgeois payment system in the post-Soviet space), RBC Money, however, cannot sufficiently provide technical and organizational resources. It's a shame if that's the case. By the way, o are also analogues of our hero, but read about them using the links provided.

RBK Money - operating principles and wallets

Anyway. I have not yet encountered any problems when working with RBC Money, so I won’t talk too much about this payment system. Historically, it appeared quite recently, namely in the summer of 2008. But before that, it had existed since 2002, but under a different brand - RUpay.

Name RUpay came from the first letters of the countries for which it was developed (R - Russia, U - Ukraine, well, the remaining letters mean “payment”). To be honest, I don’t know how successful RUpay’s march across the planet (or at least a sixth of its land area) was, but in 2008 the assets of this company were bought by RBC, after a while it was renamed and moved to a new domain www.rbkmoney.ru .

As you can see now, RBK Money no longer has anything to do with Ukraine and this system is intended exclusively for Russians. All transactions in it are carried out exclusively in rubles, which are pegged and secured by RBC Bank rubles. That is, the result was sort of like small-town electronic money from one separate bank.

It is possible that this is precisely why some of their clients have difficulties. However, there is practically no commission in this payment system (you can see them for yourself rates) attracts more and more new clients to it. The second advantage is the ease of working with your RBC Money account. This does not require any special programs - all operations are carried out using a regular browser.

On the other hand, simplicity may result in insufficient security, but I personally don’t really believe in this, because this was the case under the condition that I used a fairly secure program, and not the simplest browser version.

In my opinion, at least some serious protection can only be provided by confirmation of all transactions via a cell phone, which in the WebMoney system is implemented through , or the complete disregard of hackers for insufficiently popular electronic monetary units (when the game is not worth the candle).

At RBK Money, protection is built on using two passwords- one to enter your wallet, and the other to confirm any transactions with the account. Well, plus everything, of course, the channel for working with your wallet is encrypted, and the data of your payment cards that you attach to your wallet is also encrypted.

Just like in PayPal, the login in RBC Money is the mailbox address that you specify during registration. But unlike Paypal, it doesn’t matter here whether you have a free mailbox or whether it implements a domain mail option. The payout limit for you will depend only on what type of wallet you use.

In RBC you can create two types of wallets:

Not identified - in fact, it differs from the second type of wallet in RBK Money only in smaller amounts that you can transfer at a time (no more than 15,000 rubles), and also in that you will not be able to exchange your rubles for other currencies and will not be able to use it for accepting payments on your website.
Identified - here you can realize all the possibilities provided by the system. I advise you to look at a comparison of the capabilities of different wallets and draw conclusions about what you need most. To receive a professional wallet, you will need to provide your passport information.

To get a standard wallet, all you need to do is go through registration with RBC Money :

Regular registration form fields. Unless they should be filled in with your real data, in order to avoid further problems with confirming your ownership of the wallet. Here you will be asked to come up with a password for access, and in the second step the registration wizard will also ask you to come up with a payment password, as well as select and enter the answer to the security question (well, just like when you receive a free mailbox):

Go to your mailbox and follow the link from the email you received.

At the next step, you will be given a choice: either vegetate with a standard wallet (which you have almost already received if you followed the link from the letter you received from RBK Money), or become a person and increase the level of your wallet by clicking on the appropriate button.

RBC Money has no commission for depositing or withdrawing money.

If you choose the option to increase your level, you will first have to log in to the site, and only then another three-step wizard will open, in the first step of which you will need to check the box in the right place (even if you are not a Russian citizen, you can still use a professional wallet in RBC, although you will have to perform a number of steps to verify yourself).

If you are a citizen of Russia, then in the second step you will need to enter your passport information, and in the third step you will need to indicate your phone number and residential address.

Also, to finally assign a professional wallet to you, you will need to make a confirmation payment (the amount is chosen randomly, and if you enter it correctly, this will serve as confirmation) to your bank account or to the post office, and then enter the amount of this payment in a special form. payment, which you can find out by phone at the bank, or by receipt at the post office (a similar confirmation of ownership of a payment card is used in PayPal).

Topping up your account is possible in different ways, including linking a bank card to it. True, just like in PayPal, you will have to verify it, but this is done quite simply by transferring a small amount, the exact value of which will be the subject of verification.

There is no commission for replenishing your account with RBK Money, but this commission may be taken by the second party with whom you deposit funds. For example, when replenishing your account with Yandex Money, you will be charged one and a half percent of the transaction amount:

The whole point of opening a wallet in RBC Money is that with the help of this electronic money you can pay for many different services (cellular, housing and communal services, etc.), as well as pay in online stores that accept them for payment.

In principle, you can pay in online stores directly with a plastic card, but as in the case of Paypal, an important role here is played by the fact that you do not provide your card details to just anyone, thereby reducing the likelihood of fraudulent activity.

In addition, the absence of a commission for transfers, deposits and withdrawals (not for all withdrawal methods) of funds from RBK Money seems very attractive (a similar situation, by the way, has developed).

Many people use this payment system to withdraw funds from other payment systems, the withdrawal of funds from which is directly difficult, but it is possible to exchange them for RBC Money.

True, there is a caveat that only 10,000 rubles can be withdrawn to an individual’s account without commission, and if this limit is exceeded, a commission will still be charged. But these are already details. By the way, you can not only link a plastic card to your wallet, but also, on the contrary, get an RBK Money Visa card, which in theory should provide you with a number of goodies that encourage you to get one.

Among the security settings, only IP blocking will be available (so that operations with your wallet cannot be carried out from any computer other than yours), which you can configure on this page.

Yes, in addition to working with your wallet through the web interface, you will have the opportunity to install the Rbk Money Mobile program on your cell phone, but I haven’t done this and I can’t tell you about my impressions.

Good luck to you! See you soon on the pages of the blog site