The WebMoney system is one of the most convenient and popular electronic payment services. With its help, you can exchange currencies, make purchases and transfer funds to bank cards and pay for services. To be able to spend funds from electronic WM wallets, the easiest way is to use methods such as withdrawing money to a bank account with WebMoney or transferring it into cash. The result of this exchange is the opportunity to use your savings not only for electronic, but also for regular payments.

Withdrawing funds from WebMoney to a card

The easiest way to withdraw money to a card on WebMoney is available to users of the service who have at least a formal certificate and have linked a bank account to their account. In this case, for the first withdrawal, the card must pass verification (no more than 1 day), after which the money will be credited. Further transfers are made much faster. The WebMoney commission for withdrawals to a card is the traditional 0.8%, although the bank itself can charge its own interest (from 1 to 2.5).

Since March 2016, clients of some Russian banks have had problems with direct withdrawal of funds from WM wallets to a bank account. The problem can be solved if you use the services of exchangers - in this case the commission will be higher, but the money will quickly get to the card.

If you don’t want to contact exchange offices because of their commission and technical problems problems that may arise during direct transfers to a bank account, you can use other ways to withdraw money to a bank card from WebMoney:

Another option for withdrawing money to a card using WebMoney is to use the Telepay service. The conclusion is almost immediate. However, the commission is too unprofitable for those users of the WebMoney service who withdraw small amounts. At the same time, the maximum withdrawal size for holders of formal certificates should not exceed 35 thousand rubles. in a day.

Methods for withdrawing to bank cards depend on various factors. For example, on the type of currency or on the country in which the bank is located. Alfa-Bank will help you withdraw funds more profitably and easier in Russia, and Privat Bank in Ukraine (see).

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Receiving cash

Many users of the service who have just started using it have a question about whether it is possible to withdraw money in cash from WebMoney and how to do it. The method is quite simple - to implement it, it is enough to know the location of the nearest certified Webmoney input/output point. The withdrawal steps are as follows:

1. Find information about the location of the item on the page Geo.webmoney.ru;
2. Choose the nearest or most convenient point for contact (this is much easier for residents of large cities, regional and regional centers);
3. Log in to the WebMoney system and create a request to withdraw funds.

After making the transfer, you must come to the certified exchanger in person, having your passport with you. The withdrawal fee at such points is usually in the range of 3-10%, and the withdrawal time is 2-5 days. The advantage of this method of withdrawing money from WebMoney in cash is that there is no need to have a bank card. And you can withdraw funds from your WM wallet immediately after receiving your passport.

Strategy for profitable withdrawal from WebMoney

There are no ways to withdraw money from WebMoney without commission - the bank or exchanger will take a certain amount from you. In addition, the service itself takes 0.8% of the transaction amount for its services. And yet, almost every owner of an electronic wallet has at least once thought about how it is more profitable to withdraw money from WebMoney. There are several withdrawal features that allow you to pay much less:

When considering options for withdrawing money from WebMoney with a minimum commission, it is advisable to take into account such a factor as urgency. If funds are needed as quickly as possible, the exchange will likely be less profitable. If you can wait, you save a few percent of the withdrawn amount.

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Methods for withdrawing funds to the card

The Webmoney service provides the ability to withdraw cash through:

• Personal Area;
• Telepay service;
• exchange exchange Card Exchanger.

Withdrawal of money to a Sberbank card is presented in the video by Nikita Gavrilov.

Through your personal account

To transfer money:

1. Go to your wallet and on the page that opens, click on the gray icon on the left, depicting a wallet. The created electronic wallets will open in front of you.
2. Select the one you need and click on the button on the right “Withdraw funds”. In the drop-down window you will need the line “To a bank card”.
3. Next, select “up to 3 days” from the list.
4. Fill in the fields indicating the card number, the amount to be withdrawn and the WebMoney wallet from which the money will be debited. Next, select a transaction confirmation method: the E-NUM application (applicable on tablets or smartphones) or SMS message and click on “OK”.

Choosing a method Filling in the data

To make it more convenient to withdraw money to a card through a wallet, you can create a template. This way you won’t have to fill out your card details every time.

Via Telepay service

On the service, you need to fill out the recipient’s card and the transfer amount, and then click pay. Money quickly arrives on Alfa Bank and Tinkoff cards: on Visa immediately, on MasterCard after 3 days. The negative side of the method is small limits and high commission. The service is available only to citizens of the Russian Federation.

Via Card Exchanger

Here, the owners of the WebMoney wallet themselves set the terms of the exchange. On official page of the exchanger it is indicated how much money goes to the card: the stated period is 24 hours. The exchange is only a guarantor of the transaction, although responsibility for it falls on the participants in the exchange.

You can do this in one of two ways:

• find a suitable offer and submit a counter-application;
• offer your terms and wait for their approval by the WM user.

You can also submit your application to interface add-on service. This option is more convenient because the system itself looks for a counter buyer, but it is less profitable. Transaction time is 48 hours.

Fees and restrictions

The amount of the commission depends on the receiving bank and the transfer method.

If you make a transaction with Webmoney directly from your personal account, the commission will be 2.5% and 40 rubles. Minimum amount 100 rub. The transfer period takes up to 3 days, but in reality it is carried out in a few minutes.

Through services:

1. Telepay takes 2.5% plus 40 rubles and WebMoney 0.8%. Limits: 35 thousand rubles. per day and 200 thousand rubles. per month.
2. Card Exchanger charges 2% insurance premium, which is returned to the account after the transaction. The system does not charge money for its work, there is only a commission that will be set by the applicant. Automatic applications will be charged 2%. The minimum amount in both cases is 100 rubles.

What to do if the money has not arrived on the card

If the money was not transferred to the card, contact support.

You will need to provide payment information:

• date of;
• sum;
• from which wallet the payment was made;
• card type and details.

If possible, you should also attach a screenshot of the payment from the history of wallet transactions.

Hi all! If you have money on Webmoney, then the question arises of how to use it. You can pay for some services and goods or cash out in real banknotes- dollars, euros, Russian rubles and so on. About how to withdraw WebMoney money to a card, how to link your bank account plastic Visa or Mastercard to a wallet and transfer funds from the account to them and will be discussed in this article.

You can cash out and exchange WM money through the BestChange exchange service: bestchange.com.

Today, there are three centers to link a card to a WebMoney wallet, and I will write about each in more detail.

Withdraw WebMoney to bank cards in Russia

To link Russian ruble cards VISA, MasterCard or Maestro or electronic payment systems to the WMR wallet, you need to go to banks.webmoney.ru.

With its help, you can link and withdraw WebMoney to, as well as accounts in:

1. HandyBank,
2. Alfa-Click Internet Banking,
3. Linking VISA, MasterCard, Maestro cards,
4. NCC/Union card;
5. Account in Promsvyazbank,
6. Account at the Conservative Commercial Bank.

Your passport must be at least formal with verification of personal information by uploading a passport with color pages with photos and registration. The verification lasts several days and information about completion will be sent to the post office or keeper.

Each system and bank sets its own requirements, restrictions, and fees.

For example, in order to display WebMoney on the card of Russian banks (see picture).

• Select a WMR wallet,
• We set a write-off limit per day,
• We indicate the necessary data - number, expiration date, three-digit code on the back side.

The 3-D Secure service must be activated. To confirm, the bank will withhold a random amount from 1 to 10 rubles. After completing the procedure, you will have the opportunity to transfer WebMoney money to your card and top up your wallet.

Limits depend on the certificate:

Transfer WebMoney to Visa and Mastercard cards of any banks

To link a debit Visa or MasterCard to a wallet in euros or dollars or order the issue of PaySpark EUR or USD, China UnionPay, Payoneer USD MasterCard, you need to use the website cards.wmtransfer.com.

It becomes possible to transfer WebMoney money to a Visa or Mastercard bank card, as well as top up from it.

Here general rules things to consider:

The card currency may differ from the one being transferred. Money is credited on the second banking days.

The system allows you to link any Visa or MasterCard for withdrawal of WMZ (dollars) or WME (euros). The certificate must be at least formal, preliminary scanned or photographed passport pages to the Attestation Center (where is the photo, with registration of place of residence, if not, then a receipt for payment for public utilities in your name and address).

You can link a card issued only in your name to your wallet. You won't be able to use Maestro, you can't transfer Webmoney to virtual cards.

As I said, it must be personal; otherwise, you will need to confirm with documents from the bank that it is open in your name with wet seals.

Upload a photo to the Certification Verification Center front side cards, numbers 7 to 12 can be covered up.

After fulfilling the above requirements, go to the service itself and click on Attach a card, filling out necessary forms and paying for the service.

Tariffs for withdrawing WebMoney to cards are as follows:

You can also order the issuance of cards from the following payment systems: PaySpark, China UnionPay, Payoneer and replenish or withdraw Webmoney from them in any country - Belarus, Ukraine and so on.

They are issued in euros or dollars, depending on what WM account you have, and you can withdraw cash from any ATM in the world with the MasterCard or Visa logo.

All necessary conditions and restrictions can be read on the website cards.wmtransfer.com.

Withdraw WebMoney to WM-Card

Using the third service, you can order a prepaid card from the NPO Network Clearing House and a virtual Visa from Russian Standard Bank.

Money earned on the Internet can be used to pay utility bills, mobile bills, make non-cash credit payments, pay for purchases in online stores, or you can withdraw webmoney to a Sberbank card and cash it out.

In this article:

Not so long ago, it was possible to withdraw money to a card only through webmoney exchangers. The disadvantage of this method: expensive commissions and a large number of fraudulent sites. Today, money can be withdrawn without resorting to the services of such services and with minimal financial costs.

By attaching your bank card to your wallet, topping it up with WMR will not be difficult. The main condition for this method of withdrawal is the presence of a certificate no lower than formal. To register a formal certificate, you must fill out personal information and upload copies of the document to verify the authenticity of the information. This procedure will take no more than three working days.

How to attach a Sberbank bank card to Webmoney?

After authorization in your personal account, you need to go to the “Finance” tab, open an additional menu by clicking on “+”, and select “Attach your card” from the list.

In the window that opens, fill in all the fields according to the card data. After checking the entered information – “Continue”.

The system will block a small amount to identify the user. For successful authorization, you must confirm the code via SMS. After successfully linking the card, it will appear in the menu on the main page.

How to withdraw webmoney to a Sberbank card in two clicks?

On the main page you need to select the operation “To a bank card”. Next is the wallet from which the money will be withdrawn. In the window that opens, indicate the amount you want to withdraw and the method for confirming the operation.

Confirm the transaction using the selected method.

The system’s tariffs indicate that money is transferred no later than three working days; it happens that the amount withdrawn from webmoney is credited to the card on the day of the application. This method of transferring money is considered not only the simplest, but also the most profitable, because the commission is only 0.8% + 25 rubles per transaction performed.

How to withdraw money to a third party card without linking it to a wallet?

In the “Payment for services” tab, select “Transfer to any card” and “Card in RUB”. Next, in the window that opens, indicate the card details (they do not necessarily have to match the personal data of the wallet owner), the desired transfer amount and the method of confirming the operation.

Confirm the transaction. The commission for such a transfer will be higher: 2.5% of the total withdrawal amount + 40 rubles per transaction + 1.5 rubles for SMS confirmation. It’s still cheaper to link a card.

Withdrawal to a Sberbank card through exchangers

As with any system, there are failures in Webmoney when withdrawal of money to a Sberbank card may not be available. For urgent replenishment bank card You can use the services of exchangers. But before entering personal data and confirming the transfer, you need to make sure of the reliability of the service by reading reviews about it from other users and finding out the amount of commissions for withdrawal. On average, such services keep 2.5 – 5% of the total withdrawal amount.

WmStream is a reliable and convenient webmoney exchanger

By using this service You can not only withdraw money to a Sberbank card, but also exchange currency at a favorable rate.

Registration is optional. You can withdraw funds without authorization. But for regular users there are several significant advantages: a cumulative system of discounts and the opportunity to participate in affiliate program. This service has a seller certificate and is on the official list of WebMoney Transfer exchangers - this is the main guarantee of reliability.

Features of money withdrawals via WmStream

• It is necessary to have a formal Webmoney certificate, which is more than seven days old;
• Withdrawals are made to the card of the user - the owner of the wallet; transfers to third party accounts are prohibited;
• There is a minimum withdrawal amount threshold – 500 WMR;

In order to withdraw webmoney to the card through, you must select the appropriate method for replenishing the card.

Fill in all required fields in the window that opens.

After checking the entered data, log in to the system and confirm the operation being performed.
Of course, commissions on such resources are higher than in the electronic system payments, but using bonus program discounts, you can quite profitably cash out electronic currency.

How to secure the withdrawal process?

1. Use only proven services and exchange offices. The first thing you need to pay attention to is the seller’s certificate, which must be no lower. Find and read reviews. If you ask simple questions to the service’s technical support, if they answer you vaguely or don’t answer at all, then it’s better not to contact this exchanger.

2. For the first time, withdraw the minimum amount that can be exchanged;

3. Always check the address bar of your browser, if the address is written there incorrectly or is misspelled, this is a sign of a phishing site, follow the fifth item in this list, then enter the correct address;

4. Monitor the updating of anti-virus program databases;

5. Clear browser cookies before performing money transactions.

So we see that withdrawing webmoney to a Sberbank card is easy, and it is available to any user over 18 years of age. Find a suitable method for yourself, transfer virtual money to cash and may everything be fine with you.

People often wonder how to withdraw money from the Webmoney electronic wallet to plastic card bank, to a bank account or in another way without getting into large sums.

Despite the relative high cost of the method, many people consider withdrawal to a bank card optimal solution cashing out money earned online because of its simplicity, speed and versatility. The transfer to the card can be received instantly (within five minutes), which, compared to withdrawing money to the bank using the bank details, is simply space!

IMPORTANT: In 2020, Webmoney now has 2 ruble wallets: WMP (for residents of the Russian Federation and some non-residents of the Russian Federation with limits of 60,000 rubles for simplified identification - available by default, identification at KKB bank) and WMR (for residents and non-residents of the Russian Federation). There are now restrictions on WMR (purchase amount up to 40,000 WMR, store no more than 15,000 WMR in your wallet at a time, by the way, WMR is not accepted for payment everywhere, but it can be changed on the exchange without problems).

The chronology of events is as follows. The Webmoney system notified its users about this on July 10, 2019. In particular, from August 15, accounts were automatically created for residents of the Russian Federation WMP, whose currency became Russian rubles. Money was automatically transferred to them from ruble wallets within available limits. Basically, it is 60,000 rubles. If the old WMR wallet had more, then the old WMR wallet did not go into the archive and remained functional. If not, then such a wallet is a thing of history. However, you can re-create your WMR wallet if this happens to you. From September 1, 2019, residents of the Russian Federation received a notice of change in the keeper legal nature WMR wallets.

The guarantor of new WMP wallets is the subsidiary bank Webmoney - KKB(“Conservative Commercial Bank”), as well as other legal representatives of the payment system, registered on the territory of the Russian Federation. It will also carry out identification users (for example, to increase the limit on storing funds on current WMP wallets from the base 60,000 rubles to 600,000 rubles). It is problematic to do this now, since you need to appear in person at the bank itself for identification.

Important addition: if you are not a resident of Russia, then for you good news! Now you too can use not only WMR, but also WMP. In January 2020, Webmoney released the news: “P-wallets have become available to citizens of Azerbaijan, Ukraine, Belarus, Armenia, Georgia, Kazakhstan, Kyrgyzstan, Latvia, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Estonia,” as well as Germany and Israel. To open a P-wallet, they will need to get Personal certificate.
Transfer money from WMR wallet to WMP directly is not possible, but you can transfer funds between WMZ and WMP. However, you can use Webmoney exchanges itself or exchange offices. There is both a commission and a floating rate.

In fact, it turns out that residents of the Russian Federation with a formal certificate can open both WMR and WMP, while non-residents of the Russian Federation can open WMR with a formal certificate, and WMP only with a personal one.

The WebMoney company explains what is happening with the requirement to comply with the law FZ-161"About the National payment system" Thus, rubles will be stored in the WMP wallet, and not their equivalents in the form of WMR, as was before.

IMPORTANT POINT: restrictions and innovations regarding WMZ and other wallets not planned.

All services described below in the article withdrawing money from WMR will work as before, but due to a possible rush, the amount of commissions for exchanging, depositing and withdrawing money from Webmoney may change. We will inform you about all changes on this page, in particular regarding work with new WMP wallets. We will update this article regularly as new information becomes available, we recommend add this article to your bookmarks so you don’t miss anything important.

What do we have for February 2020 with WebMoney?

Residents of Russia can have 2 types of ruble wallets functioning simultaneously: unidentified NESP (these are the good old WMR) and identified WMP. Moreover, according to the latter, to increase the storage limit of funds ( from 60,000 to 600,000 rubles need to be identified in the child Webmoney bank on the territory of Russia - "KKB" - "Conservative Commercial Bank"). WMR has become less accepted for payment on Webmoney services, as well as in other places where you can pay with this wallet.

There are restrictions on the amount of 1 purchase using WMR (it cannot be more than 40,000 rubles and you cannot store more than 15,000 WMR in your wallet). By the way, from February 2020, these changes finally came into force, and these limits were already reflected on the official WMR exchange exchanges.

It is impossible to directly change WMR to WMP; it is necessary to use intermediaries: for example, Webmoney exchanges themselves or third-party exchange offices. Also WMR cannot be withdrawn directly from Webmoney using traditional methods (for example, to a card or bank account). Everything is done only through exchanges and exchangers. If a resident of the Russian Federation has a WMR wallet archived (for example, there were 0 or less than 60,000 rubles in the account), then it can be recreate and use. Non-residents of the Russian Federation can now also create a WMP for themselves, but to do this they will have to go through identification through the “Personal Certificate”. This opportunity is not available to all residents. We wrote about this in more detail above.

Exchange money through online exchangers - the most the best option and the most profitable option in terms of interest. Especially now, in the wake of the panic of many users about WMR. Today this method is one of many, allowing you to change WMR to something else or even remove it from the system. Here the commissions are more or less humane compared to the official exchangers of Webmoney itself.

Now, in connection with this news about the cancellation of WMR and the transition to WMP, such a terrible hype what you need to catch favorable interest rates and changing money is becoming more and more expensive every day. On official Webmoney exchanges There's a lot going on in terms of commissions, it's good that there are independent exchangers, where the price tag for exchange is much more humane. The most convenient way to find them is through Bestchange.

Choose a course with a minimum commission and better conditions Currently you can use the largest search engine for exchangers on the Runet - the service Bestchange. The system contains a variety of exchangers that perform transfers both to bank accounts and exchange WMR for electronic money: QIWI (Qiwi) and Ya.Money (YaD). There is also their rating, user reviews, work capabilities: instant Webmoney withdrawal, manual execution of the application, the need to verify a bank card, etc.

Webmoney withdrawal to Yandex.Money and free withdrawal from ATMs

Complete free card using our link (create a new account, order and activate the card) and receive from Yandex gift: 100 bonus rubles . Issue of a card now costs only 399 rubles. And that's the bottom line: no more maintenance fees for the 5 years the card is valid!

« Yandex money" fully fees for withdrawing money from ATMs have been reset to zero using their personalized Yandex.Money Mastercard cards. You can withdraw cash from any ATM per calendar month up to 10,000 rubles. The minimum amount of the operation, as well as the number of approaches not limited. Important point: your Yandex.Wallet should be fully identified(according to the third column).

Everything that exceeds 10,000 rubles will come with a standard commission for withdrawing money from Yandex.Money plastic cards - 3%, minimum 100 rubles . The maximum amount of one withdrawal for fully verified cards is 100,000 rubles per day And 1,300,000 rubles per month.

Yandex.Money card for free serviced throughout its entire life. You only pay for delivery to any country personalized card 399 rubles.

Yandex money" also appeared cashback: paid in bonus rubles (1 ruble = 1 bonus ruble). Cashback is instant. Every month the service determines categories increased cashback for which you receive 5% from the purchase amount with points + 5% for every fifth check in other categories or 1% for all purchases in non-bonus categories, including online. Accumulated points can be exchanged with partners who accept Yandex.Money for payment, and there are many of them. For example, they can be spent in stores that accept Yandex Money for payment. For example, the same store “Ozone”.

The scheme for transferring WMR to Yandex.Wallet is very simple: we find on BestChange the best exchanger from Webmoney to Yandex.Money, we change (we receive money to Yandex.Wallet), and then we just go to any ATM with a Yandex Money card and withdraw cash without commission.

By the way, if you don’t yet have Yandex.Wallet and their plastic card, then using our link you can create it even to your benefit. Just follow the link, register (create a new account in Yandex), order, and then activate free plastic card "Yandex.Money", and get for it 100 bonus rubles from Yandex. You can spend this money at any point where Yandex Money is accepted for payment. For example, on Ozone. It’s a small thing, but it’s nice, you can then spend it on future purchases :) The card itself is completely free in service and issued for 3 years.

In addition, exchangers allow you to get a number of opportunities that are not provided even with standard cashing methods. For example, withdrawal to foreign wallets and payment cards.

What options are there for February 2020?

WebMoney withdrawal via Megafon

(the most economical and safe scheme for “pocket expenses”)

Refill mobile phone with Webmoney and then withdrawing money from it. This option is suitable for people with formal certificate or higher and for small amounts ( up to 15,000 rubles per month ). However, the money belongs to you at all stages. Today this is the cheapest option for WMR withdrawal. And in general the only “official”. Besides he auto. The money is already in your card account within 5 minutes after the transaction is completed. Without intermediaries in the form of exchanges or exchange offices.

Megafon Mastercard bank card: features

Megafon payment card may become effective WMR withdrawal tool, you can open right now for free virtual card on the website, you can withdraw money from a virtual card at ATMs with NFC and pay in any stores using Google Pay / Apple Pay 🙂

Webmoney has become especially popular for cashing out virtual map MasterCard Standard instant delivery from Megafon.

Its trick is that it is linked directly to the phone account ( for Megafon subscribers) and even foreigners can apply for it by purchasing a SIM card in advance (not citizens of the Russian Federation). That is, the money that is on your mobile account can be used for the usual payment for goods and services in stores and on the Internet. Today this is the only product of its kind on the market. Cool, isn't it? 🙂

The card is issued for three years. Its issuer is Bank Round LLC,however, the personal account operates under the guise of “ Megafon Bank» 🙂

If you Megafon subscriber, then you can right now for free get yourself a virtual card on the operator’s website, link it to Google Pay / Samsung Pay / Apple Pay and use it as regular card, receiving cashback in money 1/1.5% for all purchases and upgraded in categories + megabytes for communication and interest on balance up to 10% per annum.

With a Megafon payment card you can even cashback for purchases in stores in the form of megabytes per Mobile Internet. They come in packs 10 MB for every 100 rubles spent. If the purchase is less than 100 rubles, then there will be no cashback, but if, for example, 189 rubles, then you will only receive 10 megabytes. This is a rounding, but megabytes can be spent throughout the year. It's a small thing, but it's nice!

There is also cashback on tariffs " Standard" And " Maximum«: 1% for all purchases and 1,5% from the amount of all purchases, respectively.

Cashback from Megafon is not awarded for purchases using these MCC codes: 4813, 4814, 6012, 6532, 6533, 8999.

It's easy to top up your card: you just need to pay for the phone number to which the card is linked. The transaction fee will be only 0,8% (standard Webmoney fee).

WEBMONEY WALLET LIMITS:

• There is serious Telepay limitation on phone replenishment (no more 15 000 rubles per month);
• minimum required formal certificate ( the pseudonym will not fit under any circumstances).

LIMITS ON THE MEGAFON CARD:

• 100 000 rubles per day ( 300 000 per month) in total for deposits, withdrawals from ATMs and transfers (for purchases 600 000 per month) - for citizens of the Russian Federation, can be opened up to 5 cards for one phone number and with a total limit;
• limit for citizens of other countries 60 000 per day and 100 000 rubles per month;
• cashing out your phone balance using a card at any ATM in the Russian Federation up to 10,000 rubles per month free(but to do this you need to make purchases with this card for a total amount from 3,000 rubles per month), then - 2,5% from the transaction amount, 3,5% for amounts up to 100,000 rubles and 4% for everything that is above. Accordingly, withdrawal of funds on commissions in total ranges from 0.8% to 4.8%, depending on the amount;
• transfer to other cards (via MoneySend) — 1,99% . For example, by pulling to Kukuruza, Beeline Mastercard, Tinkoff Black and others that support C2C. Total (including initial Webmoney commission): 1,99% + 0,8% = 2,79%;
• if you top up electronic wallets (for example, Yandex.Money or Qiwi), then the Megafon card will rip off 8% from the transaction amount;
• Another cool feature: free transfers from Megafon to MTS and back. To do this, you need to either go to your personal account at Megafon.Bank. Maybe someone will find this trick useful.
  Limits: per day 30,000 rubles and per month no more than 40,000. The minimum payment amount is 10 rubles.
• purchases by card no commission, shopping in foreign currency at the conversion rate ( Central Bank of the Russian Federation + 3%).

In fact, you can top up the Megafon operator’s phone number with Webmoney with a standard commission of 0.8%, issue yourself a payment card to the phone number without commission and use it for free for the entire validity period: buy goods, withdraw money, transfer them to other cards.

Be careful: Do not get carried away with cashing out using this card. The bank doesn't like it when this card is used only for cash withdrawals. Use the card fully: make purchases and withdraw cash without fanaticism, and then everything will be fine :)

Webmoney virtual card (KKB - Conservative Commercial Bank)

for small purchases on the Internet and in stores (limit for one transaction is 15,000 rubles per day and 40,000 rubles per month)

You can apply for a card on the Webmoney Cards website: https://cards.web.money/

The WebMoney company apparently decided to restore the issuance of virtual cards for those who have a wallet in this system. After checking in KKB The Central Bank of the Russian Federation itself came, they stopped issuing this card, like many other banks, but now everything is slowly returning to normal. And here we have the good old virtual account from Webmoney, improved in some places, worse in others.

Card issue fee 50 rubles, service free. The card itself is issued for 1 year. Card details are sent via SMS, and SMS confirmations of transactions for online purchases are also sent (the mechanism has finally been implemented 3D Secure, this was not the case in the old one).

Anyone can get a card individual of the Russian Federation with citizenship of this country. The Webmoney card is available for registration to persons with formal certificate and higher.

IMPORTANT UPDATE :
You can top up your Webmoney virtual card only from WMP wallet.

Webmoney virtual card limits:

• maximum limit for one transaction (purchase, replenishment) — 15,000 rubles;
• daily limit too 15,000 rubles;
• monthly limit on transactions - 40,000 rubles;
• can be issued for one wallet up to 5 such cards.

You can top up your WebMoney card directly from your wallet. Commission - 1% from the payment amount. You can return money from the card back to your wallet no commission. The card supports payment through systems Google Pay And Apple Pay (that is, it can be used as a physical one to pay for goods and services in regular stores), but according to the map PIN code is not generated, which means that transactions over 1000 rubles in regular stores may not go through ( check in the store if this is true).

Based on the limits, maximum amount purchases by this virtual map Webmoney is limited to the amount 15,000 rubles. Naturally, there is no cashback for purchases here :) And yes, the card does not support C2C (that is, you cannot withdraw money from this card to another card!). We tried - it didn't work. Maybe it will work for you? Write about the result in the comments to the article :)

Fast Payment System (FPS): instant withdrawal of WMP to the bank

Happy owners of WMP wallets can now almost instantly withdraw money to bank accounts connected to the “Fast Payment System” of the Central Bank of the Russian Federation. This revolutionary way of receiving money was invented in 2019, and Webmoney became a participant. Currently, SBP is supported by 38 banks.

Moreover, Webmoney can even be topped up from these participating banks. But withdrawal of Webmoney to bank accounts via SBP is already subject to a commission: 1,2% + 0,8% . The details are simply a mobile phone number.

Limit: 14,500 WMP per transaction.

To transfer, you need to go to the “Transfer” menu in the WebMoney Keeper application or website, and then click “By phone number” - “Through the Fast Payment System”.

The same topic with instant transfer to WMP bank by phone number was already established with “ Sberbank", because the this bank not yet in the SBP system. The commissions are the same. All interaction within the framework of these services rests on the shoulders of JSC Bank KKB. Let us remind you that this is their subsidiary bank.

Wire Exchanger: Withdrawing WMR to a bank account

for larger amounts in rubles, to Russian banks by interbank payment (using bank details), today this is the main method of selling WMR.

Exchange "WebMoney" - Wire Exchanger(applications).

This stock exchange. It is possible to carry out an exchange using the P2P scheme between its participants. Beneficial for those who want to cash out more large sums. But since February 2020, for some reason, the maximum withdrawal amount does not exceed 15,000 WMR, and this is very sad. Probably related to the basic WMR limits for anonymous users(have no more than 15,000 WMR on your account, total expenses per month no more than 40,000 WMR). Applications start from 1000 WMR. There is a risk: responsibility for the transaction lies entirely on its participants(the system only generates statistics and updates the ratings of participants, and also freezes part of the amount from the deposit for guarantee).

Since February 2020, the exchange section has a new address: wire.exchanger.money
A number of innovations are also reported - the absence of insurance premiums when purchasing WMR, as well as the long-awaited opportunity to communicate with the counterparty in a chat with text, audio and video communication. And the ability to blacklist negligent contractors. But there are also disadvantages: at the moment we are no longer seeing applications from 15,000 WMR :)

Universal recommendation: look for an exchange individuals, offering comment "translation own funds» in order to avoid possible sanctions from banks. The service is available to owners formal certificates and above. Before carrying out operations, it is important to establish “ confidence» for the recipient of funds. At the stage of paying for the application, the system will prompt you to do this. After payment, the money is debited automatically. The system will notify you that the funds have been sent to your bank account.

Average commissions range from 1.52% to 10% from the transaction amount, but you can find it cheaper or, conversely, more expensive. Don't forget about the standard commission 0,8% , which needs to be additionally added .

Look for intermediaries on the Wire Exchanger: as a rule, the higher the amount in the application, the lower the commission percentage. And yes, you can submit your own request, waiting for someone to respond to it :) The method is through the exchange. Indirect. The exchange takes place through third parties. Accordingly, the time to receive money also depends on their efficiency. The exchange acts as a guarantor in this transaction, but can only indirectly influence the speed of receiving money.

MINUSES:

1. Way not instant. You can only receive funds for bank account in the Russian Federation. The money goes through an interbank payment (that is, you can receive it into your bank account only on weekdays; on average, it takes 1-2 working days).
2. This option is not suitable for those who doesn't want to show off his income before banks or wants to receive money instantly. To carry out operations, you must indicate TIN.
3. Often the amounts are inconvenient: you cannot pay part of the deal(as on their currency exchanger WM.Exchanger). You can submit your request, but there is no guarantee of when it will be executed.
4. It's not easy to find performers - individuals- With good percentage and conditions.
5. “Muddy” conditions (the agreement with Wire refers to the issuance of a loan between individuals and that he terminates the action based on the “statement of compensation”).
6. Transactions may break down due to the fault of the executor of the application.
7. The Wire exchange deposit is returned, but the commission for it (0.8%) is not.

Withdrawing WME and WMZ to a bank card (via Telepay)

who has income in $ and euros, through replenishment mechanisms using a bank card number; quickly, but payments do not always go through. From September 2019, this method is only suitable for WMZ wallets.

There is experience in withdrawing Alfa-Bank and Sberbank to the card ( Visa Classic) or “VTB-24 Mastercard Multicurrency”. Does not work for Tinkoff and RNKO Payment Center cards (Kukuruza, Kari, Beeline, etc.).
But in general, then:

• cards must support 3D Secure;
• be open to accepting funds via Visa Direct / Transfer and MasterCard Moneysend;
• cannot be prepaid or virtual. Only DEBIT or CREDIT(check card type using BINBASE).

Translation instant, if it is VISA (MasterCard - up to 3 days).

Commission: 2% + 3 WMZ/WME + % for conversion by bank if the card is in rubles.

Telepay limits:

1. No more than 500 per day 2 000 USD/EUR;
2. Per month no more than 10,000 20 000 USD/EUR.
3. There is information that limits per transaction were significantly reduced (to 200 USD) 🙁

The rest of the banks have not been tested, so at your own peril and risk. Please be advised that, in general, this operation is not very safe! The payment comes from a foreign company Paymaster24 Ltd (sometimes the recipient's last and first name is substituted), which is perceived by many security services as a dubious operation.

Carefully: the bank can block the card (after all, its replenishment does not come from Russia).

Withdraw WMZ to SKRILL

transfer to foreign cards (including to a Skrill debit card), guaranteed, profitable withdrawal of amounts in $ from a WMZ wallet, including large

If you live in a European economic zone SEPA or Russia, then this method is most optimal for you. It is also useful for Russian citizens who plan to transfer their WMZ to Bitcoin or withdraw money to a foreign card.

Skrill and Webmoney

Interface of the Webmoney Telepay system. Clickable.

The scheme is remarkable in that it is possible to transfer WMP directly to ruble card without conversion to dollars. The money goes well to Alfabank and ruble Tinkoff. The disadvantage of the scheme is that high commissions and low limits apply.

Commission: from Webmoney 0.8% + from TelePay ( 2.5% + 40 WMR).

Telepay limits:

1. Only cards accepted, Mir, MasterCard or Visa are not accepted virtual And prepaid cards. Mandatory support for 3D Secure and the ability to accept payments via Visa Transfer / Direct and Mastercard Moneysend.
2. The scheme is suitable only for citizens of the Russian Federation.
3. LIMITS: 35,000 WMP for translation and 100,000 WMP per month with a formal certificate. Starting from personal: 60,000 WMP per transfer and 200,000 WMP per month.

On Visa cards money is coming instantly, on MasterCard - within 3 days. Can be displayed on any card (there is no verification of belonging to a specific person).

Withdrawing WMR to a card via C2C Webmoney

for those who are not in a hurry, small amounts (by payment card number), WMP wallet only

Interface of the C2C Webmoney system.

Work occurs through the service c2c.web.money. And only to Russian. Method for citizens of the Russian Federation. Definitely needed initial certificate.

The scheme is as follows: indicate the amount, pay for the application, then the system automatically selects a contractor for your application. Can be split into small amounts and executed in parts.
Attention: A large number of transfers of small amounts may be of interest to your bank.

Commission for withdrawal: 2% + standard 0.8% from Webmoney. Minimum 100 WMP (limit 50,000 WMP at a time, 90,000 WMR per day and 600,000 WMP per month), withdrawn from the account in amounts divisible by 100. Available starting from formal certificate Commission for entering the system (replenishing a Webmoney wallet): up to 2700 rubles - 50 rubles, when depositing from 3000 rubles no commission.

A significant disadvantage of this method is time (the operation can take a long time). One good thing is that the amount will be returned if the application is not processed after the deadline. Even a commission. If you are not in a hurry for money, you can use this option.

WMR withdrawal via Cards Exchanger

In this connection it is appropriate to mention another service Cards.Exchanger. In its functionality, it resembles the Wire exchange with bank accounts, only here applications are left for withdrawal precisely by card number. This is also a stock exchange. Only for citizens of the Russian Federation, cardholders of Russian banks. Performers are third-party people and services. Webmoney acts as a guarantor of transactions, but responsibility for the transaction lies directly with the participants.

Commissions: Applications can be found starting from 2%(+0.8% from WebMoney)

Webmoney and cryptocurrency in 2020

The demand for cryptocurrency has increased significantly. The Webmoney system can be quite effectively used for speculation on the price of cryptocurrencies ( Let us remind you that there is a special WMX wallet in the system, tied to the value of Bitcoin). WMX can be bought from any available wallet Webmoney (WMZ, WMR and others) both within the system and on the internal exchange wmx.wmtransfer.com(most profitable option) between system participants. We note separately that 1 BTC equals 1000 WMX. It is according to this scheme that you need to calculate when you carry out transactions. If anything, the exchange itself will tell you, you can’t go wrong.

Main advantages of WMX: instant transactions and commission only 0.8% (that is, standard from Webmoney).

Entering crypto into Webmoney

What to do with a pseudonym certificate?

For example, buy a train ticket, goods in a store and book a hotel with Webmoney

An alternative way to withdraw from Webmoney is to buy a plane ticket, train ticket or hotel room with Webmoney! This is often in demand even despite possible service markups!

Why not? A good option taking into account the fact that the official website of Russian Railways does not accept WebMoney for payment, and even more so the popular Booking.com service does not do this when using hotels.

Webmoney can also be spent in such large stores as Aliexpress or Wildberries. And also withdraw it to your phone (albeit, very meager limits).

And even return part of the funds from the purchase (cashback)!

A bonus system was launched in 2017 Webmoney Bonus, which allows you to return part of the funds from the purchase and thereby offset the commission amount of 0.8%. 🙂 Essentially, this is a cashback service, but from the WebMoney system ( What is a cashback service?). Money is paid to Webmoney wallet. For example, on Aliexpress their rate is 6%.

On a trip for Webmoney

You can buy a ticket and book a hotel stay directly on the official Webmoney Travel service. Or contact third-party companies: Aviasales, Tutu.ru and Pososhok.ru (here, however, only travel and air tickets). We are sure that it is possible to find an acceptable offer in this variety. Compare prices on designated sites and buy where it is convenient and profitable. There is no need to spend money on withdrawing funds from your wallet, because you can get a ticket by simply paying for a ticket or hotel/hostel accommodation using Webmoney :)

You can also try to pay for other goods or services where you can pay for Webmoney. For example, some Internet service providers. If you work in the IT field, then finding a way to sell your WMR and WMZ is much easier - more offers! 🙂

It has become more expensive to withdraw money. But, alas, in current situation there is virtually nothing to choose from. We hope for the best, but prepare for the worst! A universal recommendation - do not keep the money in your wallet, withdraw it as soon as possible. While it's still possible!