"Yandex. Money" is a convenient service for Internet users that allows you to pay for services, online purchases, make money transfers to other people, and receive loans in a few clicks. Some features can be used without registration. To get full access to all services, it is recommended to register on the Yandex. Money website. This procedure is free and does not require the user to fulfill any special conditions.
Features for unregistered users
In the Yandex. Money service, unregistered users can pay for various services. For example, you can pay fines, utilities, mobile phone, Internet, television, repay existing loans and credits. The user only needs to enter the necessary information (account number, contract number, etc.) and indicate his bank card from which the payment will be made(required amount + commission). Also, persons not registered in the system can make transfers from one Russian bank card to another through Yandex. Money. In such financial transactions, the service acts as an intermediary, an intermediate link. Another opportunity available without registration is transfers from a card to someone else's electronic wallet on Yandex.
Why you should create an electronic wallet
How convenient and profitable is the Yandex. Money wallet? First of all, it is necessary for those people who provide various services via the Internet and receive payment for this. In such cases, the electronic wallet acts as a kind of piggy bank. The money stored in it will not disappear anywhere. Then you can:
- spend on online payment for services, purchases;
- bring to your card;
- cash out through money transfer systems.
An electronic wallet is also convenient in that the user can issue a virtual and / or plastic card from the Yandex. Money system in it. Both cards have several advantages.
| Virtual card | Plastic card |
| Issued with one click in the Yandex. Money system. You can use the card immediately after issuance. | A plastic card is ordered on the Yandex. Money website. After the order, it is sent either by mail or by courier. |
| The balance of virtual and plastic cards isbalance of an electronic account in Yandex. Money (i.e. wallet). | |
| Free plastic and virtual cards can be replenished through Sberbank, Euroset, Svyaznoy. | |
| Served free of charge. | Serviced for a fee, but the cost is small - only 300 rubles. for 3 years. Service is paid immediately when ordering a card. |
| Payments without fees. | |
Virtual card can only be used for online payments. If it is available, the user does not need to indicate the data of his main plastic card on unfamiliar sites of online stores. Thus, a virtual card is an additional measure of secure payment on the worldwide web, a way to protect yourself from scammers and exclude the possibility of stealing funds from the main card.
A plastic card from the Yandex. Money system is issued for users who actively make purchases in regular stores and do not want to think about ways to withdraw money from an electronic wallet. She is also attracted by the fact that in her tariff there is a clause on the possibility of free cash withdrawal (that is, without a commission) - up to 10 thousand rubles. per month.
Interesting service offers
The Yandex. Money website periodically offers profitable promotions to registered users. A few years ago, for example, a plastic card from this service could be obtained almost free of charge - for a symbolic amount. Currently, such an action is not carried out, but there ismany other great deals. The Yandex. Money service offers users discounts on purchases. Some of them for example, which are currently valid:
- 40% discount on orders over 5 thousand rubles. in Lamoda;
- 30% discount when ordering original souvenirs online for the amount of 2 thousand rubles. on the Red Cube website;
- 10% off when ordering pet supplies online from Beethoven.
The Yandex. Money service also has offers with cashback. For example, for the purchase of electronics and equipment in M. Video, a refund of up to 1.33% of the purchase amount is provided. At the same time, it is not required to make a mandatory payment with Yandex. Money. Offers with discounts and cashback are recommended to be reviewed periodically in order not to miss new profitable promotions.
Registration in Yandex. Money
Are you interested in the service and decided to register? To get started, go to the Yandex. Money website and click on the "Create Wallet" button. The registration page will open. You can register by specifying the Yandex e-mail or through the VKontakte social network. Be sure to include your mobile phone number. In the future, SMS messages with passwords will be sent to it to confirm the payment.
After registration, the start page opens with the wallet number and balance. This page also has links to all the necessary sections - "Payment for services", "Money transfers", "Yandex. Money cards", etc.
Afterregistration at the top of the site, click on the button with the balance. The menu will open. In it, under the wallet number, the status of the account in Yandex. Money will be reflected - anonymous. If you are going to actively use the service, then the anonymous status is not suitable for you, because it does not provide too many opportunities. With anonymous status:
- you can store amounts up to 15 thousand rubles in your wallet;
- payment limit is 15 thousand rubles. from the wallet and 15 thousand rubles. from a linked bank card;
- the limit on cash withdrawals from the Yandex. Money card is 5 thousand rubles;
- A number of services are not available - payments worldwide (payment is available only within Russia), money transfers through the Unistream and Western Union systems, to cards of Russian banks, bank accounts, to other wallets registered in the Yandex. Money.”
To get access to a number of the above services, you need to change your status. Other existing statuses in the Yandex. Money system are named and identified.
E-wallet personalized status
When you receive a nominal status, the limits are expanded. Firstly, the amount of up to 60 thousand rubles can be stored in the wallet. Secondly, payments from a wallet, a linked card are allowed to be made in the amount of up to 60 thousand rubles. The cash withdrawal limit, unfortunately, does not change. It also amounts to 5 thousand rubles, as with anonymous status.
Nominal status provides access to making payments around the world and transfers to bank cards and walletsYandex, but it is still impossible to transfer money to bank accounts and withdraw cash through Unistream and Western Union.
How to get personalized status? It is very easy to do this. On the website of the service, where the statuses are compared, there is an online questionnaire for obtaining a nominal status. It can be filled out only if you have a Russian passport. The following data is entered into the questionnaire:
- last name, first name and patronymic of the wallet owner;
- date of birth;
- series and passport number, date of issue of this document.
Warning for wallet owners! Anonymous and named wallets are sometimes blocked. This happens when the system begins to consider some financial transactions suspicious. Cash is frozen. The owner of the wallet loses the right to make payments, transfers. Can Yandex. Money be unblocked? This problem is solvable. To restore access, you need to go through identification - the procedure for confirming the entered passport data.
Identified wallet status
An electronic wallet with an identified status has a full range of features. All services are available to the owners. The limit for keeping money in the wallet increases to 500 thousand rubles, for payment - up to 250 thousand rubles. from the wallet and up to 100 thousand rubles. from a linked card, to withdraw money from a Yandex. Money card - up to 100 thousand rubles.
Identification is available for citizens of the Russian Federation and for foreigners who do not have a Russianpassports. This procedure can be completed in one of the available ways:
- In any Euroset salon. You need to have a passport and an e-wallet number with you. The cost of passing the identification is 300 rubles. Of this amount, 1 rub. transferred to an electronic wallet.
- In "Svyaznoy". In the salons of this company, the identification service costs 300 rubles. You need a passport and an e-wallet number. After payment, you must definitely pick up the check.
- Through Sberbank's mobile bank. In Yandex. Money, this identification method is free. It is available to Sberbank customers who have a bank card with a balance of at least 10 rubles. The phone number linked to the card must also be linked to the e-wallet.
- In any of the offices of "Yandex" and "Yandex. Money". They are in Moscow, St. Petersburg, Nizhny Novgorod, Novosibirsk, Yekaterinburg. Identification service in offices is free.
- At any Contact system office. The cost of the service is 250 rubles. Of this amount, 100 rubles. returned to the electronic wallet.
You can also send an application by mail for identification, but this method is not very convenient. If you choose it, then you will need to write an application for identification, photocopy your passport (the main spread with a photo and the registration page), notarize the documents and send them by registered mail or courier to the Moscow office of Yandex. Money.
Main ways to replenish your wallet
How to transfer money to a Yandex wallet - a question of interest to new and inexperienced usersservice. There are several main ways to replenish:
- Transfer from a card of any bank (Visa, MasterCard, Maestro, MIR). Replenishment in this way is carried out directly on the Yandex. Money website. In special fields, information such as the card number, the date until which it is valid, cvc code is entered. If you decide to transfer funds from the card to Yandex. Money, then do not worry about indicating the above information. All information is encrypted. Fraudsters do not have access to them. The commission for replenishing the wallet from the card is 1%. The bank may also charge an additional fee.
- From the mobile phone balance linked to the wallet. This method for replenishment is suitable if the number is serviced by Megafon, MTS or Tele2. The Yandex. Money commission depends on the operator. Its size ranges from 7.86% to 15.86%.
- From a Sberbank card through Sberbank Online. Replenishment of the electronic wallet by this method is carried out without commission.
- Cash. You can top up through terminals, in Sberbank, in the salons of Euroset, Svyaznoy.
Replenishment of the wallet through loans
Yandex. Money service cooperates with several microfinance organizations. This is a plus for wallet owners. Cooperation allows people to apply for loans in microfinance organizations and receive funds in electronic accounts.
Here is a list of companies that provide the ability to transfer loans to the serviceYandex. Money:
- "eCabbage".
- SmartCredit.
- "WEBBANKER".
- Turbo Loan.
- Zimer.
- Pay P. S.
- Konga.
- OneClickMoney.
Cooperation of "Yandex. Money" with MFIs does not mean that the owners of electronic wallets have a higher chance of obtaining loans than other persons. In microfinance companies, all applications are considered on equal terms.
What do you need to do to get a loan to your wallet? The process of applying for a loan includes choosing an MFI with suitable conditions, filling out an online application on the official website of the selected company. Upon receipt of approval, the client has the right to choose the most convenient way to obtain borrowed funds. For example, it can be a wallet on the Yandex. Money website. However, when you first apply to an MFI, a loan to an electronic wallet is usually not available. First, customers are offered withdrawals to a card or through money transfer systems. Find out the exact conditions for granting loans on Yandex. Money at microfinance organizations.
Transfers to bank accounts
If there is money in the e-wallet, but there is no Yandex. Money card, how can I withdraw funds? One way is to transfer to a bank account. This procedure is performed directly in the Yandex. Money service. The site has a special page with an application. To transfer, you need to fill in just a few fields, indicating the bank's BIC, the recipient's last name, first name and patronymic, account number.
For the procedure for transferring money from Yandex to a bank account,conditions:
- funds can be transferred to an individual's account;
- transfers are possible only to ruble accounts of Russian banks;
- money is credited within 3 business days;
- commission - 15 rubles + 3% of the transferred amount.
Transfers to bank cards
If you periodically need to withdraw funds from an electronic wallet, then order a Yandex. Money plastic card. To withdraw money from it, you do not need to make a transfer. The card, as mentioned above, has a balance in common with the wallet. If there are funds on the wallet, they are always available on the card. You can withdraw them at an ATM of any bank in absolutely any country (currency conversion is carried out automatically).
If you rarely have to withdraw money, then do not order a card from Yandex. If necessary, you can transfer funds to absolutely any plastic card. The Yandex. Money website has a special section for this. To transfer, indicate the number of the desired card and the amount. Usually money is credited instantly, but in some banks the receipt of funds is not instant.
A fee of 3% of the amount is charged for the transfer to the card. Additionally, 45 rubles are withdrawn from the account
Transfers via Western Union and Unistream
It is convenient to withdraw funds from an electronic wallet through Western Union and Unistream money transfer systems. What do you need to do to transfer money from Yandex?Here are some tips:
- First decide on a money transfer system - either Western Union or Unistream. The conditions in them are almost the same, so before choosing, think about which banks are most convenient to get money from. Next, find out which money transfer systems they cooperate with. Some banks work with Western Union, while others work with Unistream.
- After choosing, fill out an application on the Yandex. Money website in the section of the corresponding money transfer system. Specify the last name, first name, patronymic of the recipient, the country to which the transfer will go, and the amount (it will be debited after the transfer is confirmed with a small commission).
- After the transfer, you can immediately go to receive funds. They will be issued to you by any bank that is a partner of your chosen monetary system.
Through Western Union and Unistream, you can send no more than 100 thousand rubles at a time. The allowable monthly limit for monetary systems is different. Its size for Western Union is 300 thousand rubles, and for Unistream it is 600 thousand rubles.
"Yandex. Money" is a service that makes life much easier for modern people. It allows you to carry out various financial transactions using the Internet. If you have not used this service yet, then register in it, get an identified status, order a plastic card. After that, you will be able to use all the features that the Yandex. Money website offers.
