It is believed that only Internet entrepreneurs need electronic wallets, for other users of the worldwide network this is just a whim. Let's look at what wallets are, for what purposes they are needed, which one is better to choose.
What are electronic wallets for?
On such a wallet can be stored electronic money, which is the equivalent of real cash in a particular currency. With the help of electronic money you can:
- buy anything from online stores, from books and clothes to vacation packages and spa services;
- pay for cellular and telephone communications, Internet, cable TV, fines, taxes, utilities and security services;
- pay credit bank accounts;
- give or take a loan by electronic means;
- exchange one currency for another.
You can put money on your wallet from a bank card, phone, terminals or make money on the Internet (copywriting, rewriting, earnings on affiliate programs, infobusiness, reselling will help with this).
Convenience of electronicmoney is that they can be withdrawn in any country in a specific currency by choosing the best exchange option. Therefore, most information businessmen can work anywhere in the world with Internet access.
Most popular electronic wallets
Among the most common are:
- Yandex. Money - an account is opened for free, currently the income from this wallet is taxed, the commission in the system is 0.5%;
- RBK Money - has a standard and advanced wallet with different features, the commission is 0.3-0.5%;
- A single wallet allows you to make many transactions without commission or with a minimum 2-3% deposit;
- Moneta.ru, like other wallets, inside the system allows you to make transactions without commission;
- Qiwi is a wallet that allows you to transfer money from your phone to Qiwi, is easy to register and has more benefits for ordinary users;
- WebMoney - WebMoney electronic wallet, which has free and paid certificates that have restrictions on operations and financial capabilities, the commission is 0.8%;
- PayPal - American wallet is convenient for those who make money on Google Adwords advertising or buy goods on eBay;
- Moneybookers – The UK wallet is also convenient for those who live abroad.
Which e-wallet is better?
Depending on your goals and where you live, different wallets will do. For example, infobusinessmen prefer RBK Money, Single Walletand PayPal, as these systems allow you to perform a variety of transactions. But ordinary users use Yandex. Money and WebMoney for buying goods in stores and paying for utilities, where the commission is insignificant.
Until recently, electronic money was not taxed. Now many wallets are either controlled by the state (like Yandex. Money) or connected to the tax system (like WebMoney), so many people use them for personal purposes to pay for online or offline services, and not to make money.
In any case, e-wallets make life easier for many users on the Internet. But pay attention to two facts: 1) transactions from one wallet to another belonging to a different system can have a high percentage of commission (more than 5%), 2) follow security rules and do not store a large amount of money on wallets.
