Electronic wallet: which one is better to choose? How to create an electronic wallet Webmoney or Qiwi? E-wallet: creation and use How to make an e-wallet

Hello dear readers!

In this article, we will look at the most popular e-wallets, evaluate their advantages and disadvantages. And, in the end, we will try to determine which wallet is better to choose.

Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Things that were previously unthinkable are becoming more and more real every day. In particular, this applies to communication and communication.

Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. Especially "quickly" this process occurred with international correspondence.

The same instantaneous transmission speed has been achieved today by financial technologies. Now we can make a money transfer in just a couple of clicks. And, the funds will reach the recipient. Instantly!

Why you need an e-wallet

To save time. Almost any payments/transfers today can be made from a mobile device. Or from a computer. After all, it is much more convenient than going to the bank the old fashioned way. Wait in line.

Even more convenient is to work through electronic payment systems. There are a number of reasons for this.

• You can create an e-wallet very quickly and easily.. In most cases, this is much easier than opening a bank account. In addition, everything is done online and you do not need to visit the office.
• commissions of payment systems are lower than banking ones. After all, banks need to feed a huge staff of employees. Maintain offices. Bear the administrative costs. Pay premiums. And for electronic payment systems, these costs are scanty.
• most electronic payment systems independent of political factors. Even counterparties of warring countries can freely settle accounts among themselves, regardless of the mutual restrictions of their countries. There is the Internet, which means there is full access to the calculations.
• Another advantage of electronic wallets is versatility. Today, there are a lot of services where you can pay with electronic currency, but not with banking. In particular, this applies to and.

Most e-wallets are as convenient as bank accounts. That is, we can create a wallet, order a plastic card and pay it in stores. Just like with a regular bank card. The card will use the funds that are on the electronic wallet.

Good. But there are several electronic payment systems. All have their own characteristics, their own tariffs. So which wallet is better?

Comparison of electronic wallets

There are really many wallets. However, not all of them are widespread.

We simply cannot pay with exotic or unpopular electronic money. Accordingly, let's look at exactly those systems that are the most popular and common.

First of all, I will list the electronic wallets themselves and give a brief description of them. And then let's move on to the comparison.

This is a Russian payment system. It is well-spread in Runet, convenient and profitable in operation. Ideal for those who make money online.

This wallet is multi-currency. We . Including the most common currencies and currencies of Russia's neighbors.

That is, we can get a Ya.Money card and pay for it in stores around the world. We can go, for example, to the most beautiful Ukrainian city of Lviv. And, calmly pay in local shops with hryvnia. Or, in the summer to go to Turkey. Almost all shops there accept dollars or euros. Payments that are available through Yandex.Money.

And, by the way, you don’t even have to take a card with you on a trip. Yandex.Money works with Apple Pay, Samsung Pay and Android Pay. This means that you can link the card to your phone and pay by phone. As if you were paying by card. Leaning it against the terminal in stores. About half of the phones support this feature. Even in the budget segment.

Another plus of Yandex is the absence of commissions for transfers within the system. But only if you make a transfer through a mobile application.

Quite young, but very convenient system. Allows you to work with dollars, euros and rubles. The main plus of AdvCash is the absence of commission for internal transfers.

The main disadvantage is that it is not always possible to issue a plastic card of this system.

This is the first and most widespread cryptocurrency. Used everywhere, and even growing in price. Plus, the system is very transparent and secure. True, sometimes, due to their peculiarities, bitcoin calculations are delayed. Each operation requires several independent confirmations. Confirmation may not come immediately. And, this is the main minus of bitcoins.

A convenient wallet that allows you to work with dollars, rubles and euros. The system is popular and widespread. Rates are slightly higher than competitors. But, the system is very versatile and secure.

Second echelon

The system is used in the largest online auctions such as eBay. The system is very convenient when making online purchases. Also, it is ideal for sellers on eBay. But, for other situations, PayPal is categorically not suitable. Outside of online auctions, it is absolutely not common, not popular. In addition, it is very expensive in terms of exchange / withdrawal of funds. So, I suggest not to consider it further.

One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. "PM" combines high speed payments, good security and low fees. It is believed that this system is the most confidential. No state authorities do not control it. Can't track payments.

This is a system that is used only in gambling. And nowhere else. Therefore, I suggest that we do not even consider it further.

Once a popular payment system in Russia. Now, in my opinion, she is in decline. In principle, the system is not bad. Works with rubles and dollars. Internal transfers are carried out without commission.

Please note that the creation of a wallet and its maintenance for all systems is free.

Possibilities and tariffs of electronic wallets

Drawing conclusions about wallets

Internal transfers are the cheapest in AdvCash and QIWI and Yandex.Money. Perfect Money and Payeer also have low commissions. Also, it is beneficial to use bitcoins. But not for small amounts.

All systems allow issuing a payment card. In my opinion, Yandex.Money and QIWI have the best conditions. Their obvious plus is both the low price and the ruble face value of the card. In addition, both systems offer us modern premium cards. With the possibility of contactless payments and 3D Secure security system.

Cards of other systems are expensive, denominated in dollars and in themselves are inconvenient. They cannot pay contactless. Yes, and online shopping in some cases will be difficult.

If we still talk about a dollar card, then the Payeer card is cheaper and more convenient. Both virtual and ordinary.

Cashing out dollars is about the same everywhere. Both in terms of the course and in terms of commissions. But it is definitely more profitable to withdraw rubles through Yandex.Money and QIWI. First of all, due to the fact that you do not have to convert funds.

Also, you can withdraw money from any electronic wallet using. To do this, simply change money from an electronic wallet to money on your bank card and withdraw it from an ATM. Please note that changing WebMoney is long and rather laborious. The rest of the systems are exchanged. Moreover, in many cases, the exchange occurs instantly.

On the disadvantages of wallets

The systems Perfect Money, Advanced Cash, Bitcoin (there you can generally track and verify each transaction) and WebMoney have the greatest security. But in WebMoney, security is implemented extremely inconveniently. In general, the security of other systems is also high.

Since I started talking badly about WebMoney, here's another stone in their garden. Almost all considered systems, except for WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney - easily. At the same time, I recommend everyone to be self-conscious and pay taxes honestly.

If you use Yandex.Money, you will also be under the hood. Oddly enough, this system, for the most part, does not belong to Yandex, but to Sberbank. That is, the largest state bank in Russia. Naturally, the tax elementary burns all transactions in Yandex.Money. If you want privacy, use a different wallet. If you have nothing to hide - feel free to choose Ya.Dengi. It's a great and handy system.

What is the best e-wallet?

Ultimately, each of the e-wallets has its own advantages. Therefore, I recommend having two or three wallets at the same time.

So which e-wallet should you choose? In my opinion, it is optimal to have a Yandex.Money wallet and Adv Cash (or Payeer). Together, they allow you to achieve most goals. At the same time, both are economical and easy to maintain.

And which e-wallets are closer to you?

I would be grateful for your opinion, questions and comments on which e-wallet is better to choose.

I wish you all a profitable investment!

If you liked this article - do a good deed

The Qiwi payment system quickly gained popularity due to its ease of use and wide range of functions. So, with the help of a Qiwi wallet, you can not only transfer money, but also top up your mobile phone balance, pay for utilities and the Internet, make online purchases, and much more.

But in order to do all this easily and simply, you must, firstly, get your own Qiwi wallet. We will talk about how to do this in our article.

The registration process is extremely simple, even a child can handle it. A Qiwi wallet is linked to a mobile phone number, which is also a wallet number. This simplifies the task, because there is no need to memorize a long sequence of numbers.

You can register in the system through the Qiwi website or through the terminal. The algorithm of actions will be as follows:

Qiwi wallet is ready to use. If desired, you can enter passport data and personal information, but the choice remains with the user.

How to withdraw money through Qiwi: the main ways

To withdraw funds, you must click on the "Withdraw" button on the main page. Here are the main ways to withdraw money:

• Bank card
• Bank account
• Any QVP ATM
• Contact system

The most optimal and fastest way to replenish Qiwi wallet is a bank card. To do this, in the proposed window, you must enter a 16-digit card number without spaces. Next, you need to specify the desired withdrawal amount. After reviewing the commission, you must confirm the transfer. In a few minutes, the money will go to the card.

In the absence of a bank card, you can use the Contact system. To do this, select the required option on the screen, and then enter the country and contact details of the recipient of funds. Specify the withdrawal amount. An SMS with the transfer number will be sent to your mobile, after which you can withdraw cash at any Contact point. Before starting the operation, you need to make sure that there are service points for this system in your city, find their nearest location. If you need to transfer money to a client in another country, then it is better to use.

How to top up Qiwi Wallet account?

You can top up your e-wallet in several ways:

1. With the help of a bank card.

• Through an ATM, selecting the option "payment for services" or "payments" respectively (depending on the ATM)
• Through the terminal in the same way
• Through Internet banking in your personal account
• Using the Qiwi website by linking your Visa or MasterCard.

2. Using a mobile phone. This feature is available on the official website of the Qiwi system. You need to enter your personal account and select the "Top up" service, then select "Online". In the proposed options, mark "From a mobile phone account", after which a list of available mobile operators will appear. Select the desired one, enter the transfer amount and wait for the confirmation SMS.

3. Through the Qiwi terminal. In this case, it is necessary to select the option "Deposit in cash" by inserting money into the bill acceptor.

Kiwi terminals - what is it?

Qiwi terminals have a distinctive color scheme (orange-blue) and their own operating system. These terminals are quite common and are usually easy to find in any city. They can be located both on the street and inside commercial premises and other organizations.

In addition, an electronic map on the official website can help you find a Qiwi terminal, which will indicate the location of the terminal closest to you.

These terminals are very convenient and easy to use. On the main screen there is a button for entering your personal account and a function for paying for services. All menu items are grouped and sorted into sections, so that, as a rule, there are no difficulties with the terminal interface.

How to use Qiwi Wallet via phone?

Using the Qiwi system through the phone is possible in two ways: through the mobile Internet and through a special application. In the first case, the principles are exactly the same as when entering the Qiwi website through a computer.

For convenience, a mobile application has been developed, which also has all the features of the system. To use it, you need to download the application and register in the system through a mobile device.

Instructions: how to remove Qiwi wallet

Deleting a Qiwi wallet is somewhat more complicated than creating it, and is carried out through interaction with the system's technical support. To delete a wallet you need:

1. Log in to your account
2. Enter the "Contact Support" section at the bottom of the page
3. Fill out the proposed form, where you need to enter personal data, as well as indicate the reason for deleting the wallet.
4. Attach a scanned copy of your passport if necessary.

The created application is considered on average 2-3 business days, after which a notification is received by mail about the decision of the administration.

After the process is completed, it is recommended to make sure to delete the account. To do this, you must attempt to log into the system using your phone number and password. If the specified data is not found, then the deletion was indeed successful.

In rare cases, when it is not possible to agree with technical support managers or the process of deleting the wallet is delayed, you can resort to a radical measure - to destroy the SIM card to which the wallet is attached.

So, the dreary process of deleting an account is perhaps the only disadvantage of this payment system. Otherwise, the Qiwi wallet is extremely easy to use, but at the same time includes many convenient features and services.

See also the video instruction on how to use Qiwi Wallet:

You will learn how to open an electronic wallet in various payment systems, how to replenish it or withdraw money. Read all about the features of registering and using electronic wallets.

Good afternoon, dear readers! This is Denis Kuderin, a staff expert on financial topics at HeatherBober magazine and a professional editor.

For five years now, I have been working exclusively remotely and getting paid via the Internet. For these purposes, I use bank cards and electronic wallets. Now I have accounts in all popular payment systems on Runet: I use each of them from time to time.

Today I will tell you how to create an electronic wallet quickly and without hassle, how WebMoney differs from YandexMoney, and what is the most profitable way to withdraw money.

You will also learn who should definitely have a virtual wallet, which accounts are used for international payments, and how to correctly convert electronic dollars into electronic rubles.

1. Who might need an e-wallet

I started my first electronic wallet (EC) 10 years ago for settlements with a bookmaker. Since then, I have been an active user of electronic payment systems (EPS), and I know all the pros and cons of each of the companies.

At one time I used only WebMoney and avoided other services, then I realized that the competitors of this service have their own advantages. Now it is more convenient for me to work with YandexMoney and Qiwi.

At the same time, I use Internet banking. In some situations, direct card-to-card transfers are preferable.

The services that we call "electronic wallets" are a kind of intermediaries between individuals, companies, organizations that make financial transactions with each other. Like any intermediaries, they charge a commission for their services. In some systems, they are more, in others less, but in general, the requisitions are quite tangible.

Registration in most domestic services is free and does not take more than 5 minutes. You have the right to create an anonymous storage for digital currency - in this case, no one will know your personal data when receiving and transferring money.

But keep in mind that anonymous accounts have limited functionality. So, on an anonymous Yandex wallet, a user has the right to store and cash out only 15,000 rubles.

The main advantages of payment services are speed, convenience and reliability. You will not lose your electronic purse, you will not leave it at a party. To use the funds, you only need an Internet connection.

Who needs an e-wallet:

• freelancers and remote workers - designers, translators, writers, editors, web programmers;
• owners and employees of online stores;
• buyers of goods and services on the Internet;
• owners of websites, blogs, publics and groups in social networks who earn on advertising;
• players in bookmakers and gaming services;
• anyone who needs to pay for services, work, material or digital products remotely.

In other words, the need for electronic payments periodically arises for every citizen.

Internet banking is, of course, great, but not always fast and convenient. And not everyone has a bank account. Opening a bank account is somewhat more difficult than an EPS account. As a rule, systems do not take money for account maintenance - you pay commissions only for specific transactions.

Without payment services, modern online commerce would not have such development.

EPS is used by both ordinary buyers and large businessmen - for example, when buying wholesale consignments of goods at Western auctions, experienced people prefer to pay using PayPal. The account in this system is tied to the card, and all payments are instant.

Such as Yandex and Qiwi even issue their own plastic cards. You pay 200 rubles for three years of service, and you no longer need to withdraw money from your account to go to the supermarket for groceries.

Pay by card without losing interest for cashing out! And this is not an advertisement for the service - I myself use such a card wherever there is acquiring. Comfortable, fast and no need to look for a trifle in your pockets.

Payment systems and cryptocurrency

The creators of the cryptocurrency intended to radically change the system of mutual settlements in the network - to completely eliminate the intermediary link and thereby reduce the cost of transactions.

So far, the task is only half completed. That is, the blockchain technology has been created and is working, but so far only a few use financial settlements in the crypt.

This means that it is still too early for wallets to turn into dinosaurs of the digital world - on the contrary, the popularity of EPS is steadily growing, as evidenced by statistics. Millions of new users register for the services every year. Even my retired dad has an EC that he successfully uses.

2. How to open an electronic wallet - instructions for beginners

Registration of a new EC is the simplest process available to every reasonable person. Payment services strive to simplify the wallet creation algorithm as much as possible, but some steps cannot be shortened.

Expert observation: speed and ease of registration are not the main indicators of quality. The storage of electronic money should be, first of all, reliable and convenient. Another important criterion is prevalence.

For example, almost all online stores accept WebMoney and Poison, but the Wallet One service (Single Checkout) is not one of those known to everyone, despite all its advantages.

For an active Internet user, the best option is to register in several EPS.

To Qiwi

To register a new Qiwi-wallet, you only need a phone number. In Russia, Qiwi is one of the most popular ECs for paying for services, entertainment and goods.

How to open an account:

1. Go to the official website of the company. Learn about the features and benefits of Kiwi.
2. Click on "Create Wallet".
3. Enter phone number.
4. Enter the code that will come in the SMS message in the appropriate field.
5. Create a complex login password.
6. Sign in.

Additional options from Qiwi - ordering plastic for offline payments, cashbacks in online stores: at the time of this writing - in Nike, Aliexpress, Media Markt, Lamoda, etc.

Qiwi has thousands of payment terminals throughout Russia, and the process of creating an account takes an average of 1-2 minutes.

More about this EPS in the video:

On Yandex.Money

EPS Yandex.Money has been operating on the territory of the Russian Federation since 2002 and performs transactions only in ruble currency.

The procedure for creating an EC is as follows:

• if you already have a mailbox in Yandex, the process is simplified - log in, go to the "Money" section and select "Open Wallet";
• identification takes place by the mobile number to which you will be sent SMS;
• after filling in all the required fields, you will only have to log into your account and use all its options.

If you want more opportunities, order a POISON card. It will arrive by mail in 7-14 days.

There are three levels of accounts - Anonymous, Named, Identified.

Their differences are presented in the table:

There are several ways to pass identification: at Yandex.Money offices, in Euroset and Svyaznoy stores, through Sberbank Mobile Bank.

To WebMoney

The oldest EPS in Runet. It is successfully used not only in the Russian Federation, but also in Belarus, Ukraine, and Europe.

Currencies - rubles, hryvnias, dollars, Belarusian rubles, bitcoins, litecoins. The conversion of one unit to another within the service works, but the exchange rate is not always favorable.

Registration in WebMoney is more complicated than in other EPS, and takes more time. This is due to the concern of developers about the safety of customers.

EC creation algorithm:

1. We go to the registration page in the system (obtaining an identification number WMID), enter the phone number.
2. Next, you get to a page with a large number of fields for entering personal data. Fill them out in detail and honestly, otherwise there may be problems with identification in the future.
3. A letter will be sent to the mail, which you need to open and follow further instructions: enter a verification code, confirm your phone number, enter a password that you will receive by SMS.
4. After registration in the system, the process of creating a wallet follows. Select the appropriate tab and the currency in which you will make transactions.
5. You must obtain a Certificate of Authenticity to gain access to fund management. This is done by sending passport details to the administration.

Several levels of attestation are available to the owners of WM-purses - pseudonym, formal, initial, personal. The higher the level, the more options the user has.

For the convenience of users, special client programs called Keeper have been created. They are downloaded to a computer or phone and used for payments and transactions. Their activation, storage of keys and transfer to another computer is a topic for a separate discussion.

3. How to replenish an electronic wallet - proven methods

Replenishing a wallet is always easier than withdrawing money from it. It is beneficial for companies that users deposit as much money as possible into their accounts, and therefore the commission for replenishment is either minimal or completely absent.

Consider the most popular replenishment options.

Method 1. From a bank card

The easiest and fastest way. Especially if the card is already linked to your EPS account. If not, then you need to enter the bank card number and the amount of replenishment.

The system commission is 1%, some banks charge additional interest.

Method 2. Through payment terminals

Another reliable option, though not as fast as an online transfer from a card. To top up your account, you will need to leave your home and visit the nearest place where a payment terminal is installed.

In large cities, there are such machines in every supermarket and store. Terminals can be specialized (for example, devices for Qiwi clients) and universal, which can be used by owners of any wallet.

The commission depends on the ATM and the amount of replenishment.

Method 3. Transfer from another wallet

It happens that you have money, say, on WebMoney, and you urgently need it on Qiwi. Order a transfer of funds from one EC to another and use the funds in a couple of seconds.

Method 4. Cash

Let me explain with an example of poison. Go to a bank, Euroset or Svyaznoy salon and make a transfer, or use international payment services. If these are partner companies, they will not take a commission; in other services, be prepared to pay up to 5% for a transfer.

Method 5. Using bank transfer

An option for those who are not in a hurry and prefer formal banking operations. Find out the EPS details and make a transfer through a bank branch.

Please note that the transaction execution time is up to 5 days.

4. How to cash out

Turning virtual money into real money involves paying a commission. Tariffs for cashing out in different EPS range from 2.5 to 5%. There are limits on amounts for different types of EC. And some anonymous accounts do not allow such an operation at all.

Consider the most popular methods.

Withdraw to bank card

Not to say that it is profitable, but it is fast. I linked the card to the account and withdraw without problems within the established limit.

If I urgently need cash, I transfer it to an Alfa-Bank card from Yandex Cashier. I lose 3%, but in other systems the rates are similar. In other words, 100 virtual rubles is not 100 real, but somewhat less.

Transfer to bank account

This is longer, but some employers prefer bank transfer: it is easier for financial reporting. Withdrawal speed - from 1 to 7 days.

Carefully indicate the details: make a mistake in one figure, the money will be returned back, or even hang in the system for an indefinite period.

Use the service of exchangers

The most complex and least reliable way. Online exchangers charge workers 5-7% for each transfer. Use them only if no other options are available.

In 2016, WebMoney unexpectedly experienced a system failure, as a result of which transfers from WMR to cards of Russian banks became impossible. I had to use payment services such as Unistream or resort to the services of exchangers. Both options were long and expensive.

Not all exchange offices are equally efficient - in some, the money came to the account in 15-20 minutes, in others it was necessary to wait a day or more.

There are other, less popular withdrawal methods. For example, through the offices of some EPS, which are in large cities.

The most difficult thing is for residents of countries that do not have their own payment companies. I have friends from Kazakhstan who receive payment on WebMoney (other EPS either do not work there or do not provide for cashing out). Cash withdrawals are carried out by private merchants who charge from 10 to 20% for their services.

Electronic money and payment systems have developed rapidly in recent years, but many people still traditionally continue to use ordinary cash. Mostly those who just have not yet encountered how easy it is to use an online wallet. In this article, we will consider in detail the question of what an electronic wallet is and how to create an electronic wallet.

Wallet types

There are a huge number of different electronic systems on the market, each web wallet has its own unique features. The integration of services with various payment systems occurs as certain legislative norms are adopted. For example, if at the dawn of the existence of virtual title units, no one could have thought that it would be possible to pay utility bills, telephony or, then today you will not surprise anyone with this.

The main difference between virtual title units and ordinary money is that they cannot be touched, they are abstract units, and the possibility of payment using services is guaranteed by the founding banks or institutions that support the services.

In the CIS, the most popular systems are:

1. webmoney.
2. Yandex money.
3. PayPal
4. QIWI wallet.
5. EasyPay.
6. perfect money.
7. Banking electronic money, for example, Sberbank Online.

Each electronic wallet has strengths and weaknesses, they must be taken into account before giving preference to one or another system. Now let's look at each service individually.

WebMoney

PayPal

QIWI wallet

EasyPay

perfect money

Can only be used by people who have an account or card with this bank. There are also a huge number of similar services from other banks.

What is an electronic wallet: Video

Using wallets

Now let's look at how to use an online wallet. In each case, the algorithm is different. For example, to make a transfer of funds from one module to another, you must enter a special identifier-number and confirm the operation. The number can be found on the main page of the wallet or in the "Settings" menu. In PayPal, for example, the user's email box acts as an identifier.

Replenishment of wallets

An important question is how to replenish an electronic wallet. The procedure and algorithm for this again depends on the service used, as a rule, replenishment is done using a linked card or bank account.

In the case of a QIWI wallet and some other services, you can transfer money to an electronic wallet through the terminal.

Cash conversion

It is also important to understand how to withdraw money from the wallet. For this, it is most convenient to use exchangers, and a special resource works to monitor the most profitable rates. In the first column, an electronic wallet is selected, in the second, all possible exchange methods are highlighted. Almost all of the above services are presented in the system (except for PayPal, through which it is better to make a withdrawal directly to the linked bank account)

It is often possible to cash out money from an electronic wallet directly - through a bank card or account, or by transferring it into the currency of another payment system and then converting it into cash.

Withdrawing money from an electronic wallet is easiest and fastest with the help of exchange offices.
You can also put money into an electronic wallet through the above service. Only in the first column, the source of funds is selected, and in the second, the services where this money can be deposited will be highlighted.

How to use an internet wallet: Video

An electronic payment system is money transfers over the Internet. Unlike bank cards VISA or MASTER CARD, these transfers are carried out outside the bank's control. To store this money, special identification cells are created - electronic wallets. In this article, we will talk about what e-wallets are, how to create them, how to deposit and withdraw money, and what is their essence.

What is an Electronic Wallet

Currently, an electronic wallet is the tool with which you can fully live without having a regular wallet. The only difference is that the unit of calculation is not real paper money, but electronic money, which is placed on the balance sheet of certain organizations - electronic money operators. Inside such a structure, a wallet with a unique identifier is created for each client, in which funds will be stored - real money, only in electronic form, like a VISA card.

Accounts in electronic payment systems ( EPS) are opened in any currencies ( rubles, dollars, euros, etc.), separate accounts in different currencies can be opened on your account, and the conversion between them will take place at the bank rate. In fact, this is the same money, but valid only on the Internet, where their entire turnover takes place. They can be expressed in different currencies and be successfully exchanged for real money.

Any payment system has its own commission for carrying out certain operations. In fact, this is their main income.

The essence of electronic wallets

The global system of electronic payments has a breadth and functionality similar to banking, representing the basis of the economy of any state. Now the entire Internet business and online commerce works only thanks to this service. The most popular representatives of this direction are QIWI, WebMoney, Yandex.Money, Skrill (Moneybookers), PayPal and some others.

The essence of electronic wallets is that they allow not only to pay for a product or service, but also to earn money, receive money and transfer it. The system of all EPS works according to the scheme of input / output of funds, which allows you to perform various settlement operations and turn electronic funds into tangible ones.

• The network has a huge number of those who receive income from freelance activities, which are paid remotely electronically.
• Someone earns on the exchange of money, for example, you need to transfer funds from WebMoney to Yandex.Money.
• If you start a website and earn money from advertising, then most likely the money will come to you on an electronic wallet that you yourself specify.

Even if you do not work on the Internet, you may need an electronic wallet when shopping, for example, you can buy guitar courses through the Yandex.Money system.

How and which e-wallet to choose

Before choosing an electronic wallet of one or another provider of currency electronic services, you need to familiarize yourself with their capabilities and advantages. Each payment system is characterized by the degree of ease of use, functionality, scale of application.

For many users, the best e-wallet is the one that registers quickly and clearly, and whose deposit / withdrawal functions are arranged in the most uncomplicated and affordable way.

What does prevalence mean?

Here we are talking about the number of Internet resources that accept for payment the currency of a particular EPS, as well as payment terminals that work with it, in general, the more popular the EPS, the more widely you can use it.

Well, functionality, this includes everything related to a set of tools for working with a wallet and additional options. First of all, these are the methods of depositing / withdrawing funds, the possible currency of the electronic wallet, the operation of security systems, an active support service, commission, etc.

To determine which e-wallet is best, consider how and where you want to use it. In some cases, it is better to create a wallet in several payment systems.

Moreover, no fees are charged for its creation and maintenance.

Why do you need an e-wallet?

To work in the system and withdraw money to the card * 19%, 625 votes

Get paid for work 16%, 544 vote

Shop online 7%, 248 votes

Receive transfers from abroad * 6%, 207 votes

use in any monetary transactions * 3%, 92 vote

How to create an e-wallet to receive the winnings that I won * 2%, 79 votes

For playing in online casino * 2%, 54 vote

Top up a deposit with a broker 2%, 53 vote

How to get the money that I won and live in the DPR * 1%, 42 vote

How to create an electronic wallet to receive the winnings that I won I live in the LPR * 1%, 38 votes

for cryptocurrencies exchange * 1%, 22 vote

For withdrawal of money * 1%, 19 votes

Won live in Odessa * 0%, 12 votes

Won. I live. V. Dnepr. Region * 0%, 10 votes

Won I live in Kyiv * 0%, 9 votes

won and live Kherson * 0%, 7 votes

won I live in Kharkov * 0%, 7 votes

Pay employees 0%, 7 votes

I won, I live in Ukraine * 0%, 7 votes

receive payment and cash out * 0%, 6 votes

wallet for receiving funds in Kharkov * 0%, 6 votes

Won I live in Nikolaev * 0%, 5 votes

I live in Uzbekistan, I want to receive money that should have been transferred to my electronic wallet * 0%, 4 vote

Won I live in the Donetsk region * 0%, 4 vote

Won I live in the city of Dobropolye, Donetsk region. * 0%, 3 vote

To receive and withdraw winning money * 0%, 3 vote

Won I live in Mariupol * 0%, 3 vote

Won live in Kropiewnicki * 0%, 3 vote

I live in the Lugansk region * 0%, 3 vote

I won, but I live in Svatovo, Luhansk region * 0%, 2 vote

won I live in Transcarpathia * 0%, 2 vote

Is it possible to withdraw the money won not for a penalty, but to an account in the Savings Bank of Moscow. * 0%, 2 vote

won I live in Zhytomyr * 0%, 2 vote

For game cloud play * 0%, 2 vote

I live in Mirnograd, Donetsk region * 0%, 2 vote

Earnings on the Internet, I live in the DPR, get money and withdraw money to the card * 0%, 2 vote

Get money in ficbook * 0%, 2 vote

How to create an e-wallet to receive the winnings that I won I live in Japan * 0%, 2 vote

How to get your winnings I live in Ternopil * 0%, 2 vote

Won live in Znamenka * 0%, 2 vote

Receive money from the stream * 0%, 2 vote

won live in tiraspol * 0%, 1 voice

Receive a transfer from the USA and cash out * 0%, 1 voice

For robots in the system and withdrawal to the card * 0%, 1 voice

I live in Belarus. How to get the winnings that I won * 0%, 1 voice

* - added by a visitor

Poll Options are limited because JavaScript is disabled in your browser.

How to create an electronic wallet

After the electronic system is selected, you can proceed to the registration of the wallet. To do this, you need a scan of your passport and a few minutes of your time.

Each provider of electronic payment services has its own website, QIWI has https://qiwi.com, WebMoney has https://www.webmoney.ru, PayPal has https://www.paypal.com/ru, Yandex.Money has https://money.yandex.ru, etc. Actually, these are the most popular payment systems in the post-Soviet space.

By clicking on the link, you will be taken to the main page, where you have access to the item " registration" or " create wallet". To get an electronic wallet, you need to register an account by entering all the required information about yourself into the questionnaire. Here, depending on the EPS, you may need your full name, passport details, phone number, email address - it is important to enter real information, valid mail and phone number, since they will receive codes to confirm transfers, and this is also your safety.

If all the fields are filled in correctly, then it remains to click the " create”, after which the system will ask you to confirm the operation with the code from the message or activate the link sent to your e-mail. After the final confirmation of all the information, the account is activated, and the owner receives a unique number for his wallet.

Even if the wallet has already been created, it will be useful to familiarize yourself with the EPS tariffs again. As we have already said, the maintenance and creation of a billing account is a free and unlimited procedure, but the transfer of money comes with a percentage or a fixed commission.

We have already decided how to start an electronic wallet, and now we will analyze how to use it. Consider the main functionality for depositing and withdrawing money and transfers.

How to replenish an electronic wallet

If the steps to create an electronic wallet were needed only to receive a reward for working on the Internet, then this item can be skipped. Although in this case, such information will not be superfluous. So, after the electronic wallet has been opened, it can be replenished. The following options are available for this:

• Top up your e-wallet with cash. It is necessary to go to the nearest payment acceptance point or terminal, where the formal exchange of currency for electronic money will be carried out and credited to the wallet account.
• Top up your e-wallet with a payment card. Must be purchased at the nearest point of sale ( kiosks, offices of mobile operators, shops, etc.) card of the required e-service provider and activate it in your account following the prompts. But to the face value of the card, when buying, the seller's commission is added. Therefore, this is not the cheapest way and, frankly, inconvenient.
• Deposit funds to an electronic wallet by card or Bank transaction . Here you need to use the card in the terminal, which performs such a function, and credit money. Although you can trust the work of Internet banking, such as Sberbank online, and make a transfer on this site. Also, right on the website of your EPS, you can replenish money from the card online by simply following the links of the instructions. If you need a bank transfer, then in your personal account you can get the details for replenishing an electronic account.
• You can use the services of another payment system through special exchangers, for example - bestchange.ru.

Payment by e-wallets

After the replenishment of the electronic wallet is made, these funds can be used. Payment by virtual banknotes is accepted by the sites of various online stores. They pay for mobile communications, loans, utilities and other services. Most users use EPS instead of bank accounts, accepting transfers for services rendered or goods sold. For example, you sold a matryoshka doll to Canada, the buyer paid you via PayPal - you didn’t need to show him your details, first name, last name, phone number ... At the same time, the Canadian didn’t have to show you his bank card details.

In general, such functions ensure the popularity of these payment systems, because it provides great opportunities for mutual settlements on the network without leaving home.

How to withdraw money from an electronic wallet

Withdrawal of money from electronic wallets can be made "at zero" or partially. To do this, you can use the following methods:

• Withdraw money to a bank card. In order to instantly withdraw money from an electronic wallet to this card, you need to add it to your account in your EPS personal account. Often, to confirm the authenticity of the card, the system removes 1 cent from it with a note to the transfer, in which it sends a confirmation code. You can find out this data in your bank or through your internet banking account.
• Withdraw funds by bank transfer. This item is more complicated, but the commission is the most economical (about 1%). You need to create a payment order with all the necessary account details. The disadvantage is the speed of withdrawal, since the application is processed within three days, and the bank transfer itself can take up to 7 days.
• Use the services of electronic payment points or a terminal. For this operation, you must first obtain a password in your account. The commission will be about 3-5%.
• You can cash out money at the EPS office itself, especially this will not be a problem for residents of large cities where such offices are concentrated. For example, on the WebMoney website, you can find out the addresses of certified points for withdrawing money in all cities around the world.

Reviews of the best electronic wallets

When the meaning of the existence of an electronic payment system has become clear, before creating an electronic wallet, it's time to consider the most popular and best representatives of this service sector.

Electronic wallet QIWI

One of the best electronic wallets is QIWI EPS. This international electronic payment system has been operating since 2007. In 2008, the brand was approved, which is still preserved to this day. In 2010, the payment system was named " QIWI Wallet", which was previously referred to as" Mobile Wallet". And after the adoption of a global cooperation agreement in 2012 with VISA, this EPS was transformed into Visa QIWI Wallet. This is how we know her now.

Its popularity is associated with the ability to use an electronic wallet on your phone by installing a mobile application, and your phone number will be the login.

So, today the Qiwi e-wallet is a unique resource for instant payments. Its features and benefits include:

• Payment for the services of Internet and TV providers, mobile operators, landline phones, housing and communal services and various online services.
• Opening your own VISA QIWI Wallet bank card linked to your wallet.
• Possibility to create a wallet in 4 currencies. By default, the wallet during registration will be in rubles, but then you can also make it simultaneously in dollars, euros and Kazakhstani tenge.
• The commission for most monetary transactions is minimal (1.5-2%).

Registration in QIWI

To start using the services through the QIWI electronic wallet, you need to open the main page of the EPS, enter the phone number and click the " create wallet". An SMS with a code will be sent to the specified phone. The phone number will be the login to log into your account.

Entering money to QIWI wallet

There are several ways to fund your account:

• using a bank card;
• through payment terminals, both own and partners;
• at ATMs of most Russian banks;
• using internet banking Sberbank online service);
• by making a bank transfer, by creating a payment order;
• walk to any communication salon ( Euroset, Svyaznoy, Megafon, MTS, etc.);
• through wallets of other electronic service providers ( Yandex, WebMoney, etc.);
• use the services of money transfer systems ( Unistream, Contact)
• make a transfer from your phone number.

In most cases, there is no commission, except for mobile phone input ( maximum for YOTA - 6%) or money transfer ( on average 2%).

Withdrawal of money to QIWI wallet

• Transfer to a bank account or or Maestro. Commission 1.5 - to the account of the amount, but not less than 50 rubles, and 2% - to the card. The maximum amount for transfer is 15 thousand rubles.
• Cash can be withdrawn through Unistream, Privat Money, Contact, WesternUnion money transfer systems. The commission is also from 1.5 to 2%.
• Use the services of the Russian Post. Commission 2, 5% + 60 rubles.
• Issue a Visa plastic card linked to an account in the QIWI system. With its help, you can pay and withdraw money at any ATM that cooperates with VISA.

Electronic wallet WebMoney

The best electronic payment system WebMoney was created in 1998, and a winking ant became its logo. To date, over 28 million wallets have been registered in this system. It is known that a third of all electronic payment accounts in Russia use this particular system. Therefore, a Russian-speaking technical support service is organized around the clock by phone +74957272007 or by mail [email protected].

A webmoney electronic wallet can be opened in several currencies, and each of them has its own banknote - an identifier, the wallet number starts with a Latin letter, which means the account currency, for example, dollar wallets start with the letter Z, and ruble wallets start with the letter R. On the Internet, these accounts are designated as WMZ, WMR and so on, which means WebMoney in dollars, rubles ...

• 1 WMR = 1 ruble
• 1 WMZ = 1 USD
• 1 WME = 1 euro
• 1 WMU = 1 hryvnia

Such identification makes it possible to carry out settlement and exchange operations. In addition, the system provides the ability to work simultaneously with several currencies.

The main advantages, due to which the WebMoney electronic wallet is so popular, are:

• simple initial registration, allowing you to immediately work with many services;
• huge functionality - the ability to work only from a browser, from a phone, from a computer;
• WebMoney issues its own bank cards;
• Possibility to apply for an e-wallet!
• Sophisticated systems for protecting passwords and personal data - keys in the form of files, connecting E-NUM security systems and other methods.

How to withdraw money from WebMoney

You can withdraw funds from your wallet in several ways:

• Withdraw money to a bank card. The commission will be 1%. But the withdrawal can be made only in the currency in which the card is issued.
• Through the money transfer system Gold crown, Unistream, Contact, Leader, etc.). You can withdraw only from ruble wallets in the territory of the Russian Federation. Commission 0.5-3%.
• With the help of exchange offices - offices in your city.
• You can open payment cards Cards. Maestro, MasterCard Standard operate on the territory of the Russian Federation. Commission 0.6 + 0.8%.

How to top up a WebMoney wallet

• by bank card (commission 2-2.5%);
• via mail (2.2%);
• through payment terminals (1%);
• from a mobile phone (6-12%);
• payment cards (0%);
• through ATMs (1-3%);
• in bank branches (1-6%);
• in WebMoney exchange offices (0-4%).

Electronic wallet Yandex.Money

The Yandex.Money electronic payment system was created on the basis of the well-known Russian search engine in 2002. A very convenient and simple service for paying for services, exchanging and transferring virtual money. Like other systems, this one has a mobile application and a working website.

Yandex.Money was created to make instant payments between its users. And all users are residents of the Russian Federation, so the Russian ruble has become the only currency of the wallet. But on the other hand, the system does not charge commissions for replenishing an account and paying for the services of Internet resources cooperating with it. And when making a transfer, the commission will be only 0.5%. For users who prefer only rubles, this is the most profitable wallet.

Registration in Yandex.Money

To register, you need to have an account in Yandex and click the "open wallet" button. Next, enter your username and password, indicate the phone number and the code that will come in the message. The wallet will automatically be anonymous. This means that you can store no more than 15 thousand rubles on it. and make a payment no more than this amount. To get wider functionality, you need to get a nominal status - you need to provide full passport data.

Entering money from Yandex

You can deposit money into your wallet account using one of the following options:

• using the payment terminal;
• through Internet banking;
• make a payment through an ATM of a bank in cash or by card;
• prepaid cards (Yandex.Money or universal);
• make a money transfer through one of the systems Contact, Unistream, Anelic, etc.;
• make a payment from another user's wallet.

Withdrawing money from Yandex

There are several ways to use the withdrawal feature:

• Make a transfer to the card of any bank. Here, a commission of 3% + 15 rubles is provided, and the money is received within 3 working days.
• Use one of the money transfer systems (Contact, Unistream, Western Union, etc.).
• Get a Yandex.Money payment card that will allow you to pay and withdraw cash at any ATM that supports MasterCard and has a PayPass reader. The card is issued free of charge for a period of 3 years, and for the entire period the service will cost 149 rubles.
• Transfer to a bank account according to the details. Payment goes 3 working days.
• There is an expedited transfer function through partner banks: Alfa Bank, Tinkoff, Promsvyazbank, Otkritie Bank. The transaction is completed within 5 minutes.

PayPal e-wallet

is the largest electronic payment system. It started its work in 1998 thanks to its creators Peter Siel and Max Levchin. In 2002, it became the property of eBay, by the way, thanks to which it gained mass popularity at the very beginning. It was first created as a payment system for purchases on the Internet. And now it handles more than 4 billion transactions per year in more than 200 countries using 25 different currencies.

The main functionality of the wallet:

• making purchases on the Internet and paying for services;
• binding of Visa, MasterCard, American Express, Discover cards, incl. Russian banks;
• money transfer;
• deposit/withdrawal of money.

Registration

You will be offered a choice of 2 account options personal or corporate. The first one is suitable for online shopping and payments, and the second one is for running an online business. If a personal account is selected, then information about yourself is filled in and the “I agree and open an account” button is pressed, if a corporate account is selected, then you will need to provide information about your company. The login and number of your wallet will be your email address.

• Depositing funds carried out through bank cards or exchange offices.
• Conclusion to MasterCard, Visa, Discover, American Express.

Instead of output

Summing up, we can say that for Russian users the most comfortable there will be a system Yandex.Money and WebMoney. The first because of simplicity and small commissions, and the second because of its prevalence and security. QIWI will also be in the leaderboard due to the variety of ways to deposit and withdraw funds. Well, it is suitable for active work at international venues.

If you find an error, please highlight a piece of text and click Ctrl+Enter.