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Yandex Money - how to use: top up, transfer to another wallet, withdraw to a card or bank account

Good day!

Have you ever come across the fact that the transfer from card to card (or classic "interbank") takes 5 working days? And this is in the XXI century! When you need to quickly settle accounts with someone, this is no good!

For quick settlements in the network in our country, it is very convenient to use Yandex Money (or just YAD ). Especially after it became possible to order a "real" plastic card and use it as a bank card (a few words about this below).

Actually, in this article I want to sketch out a small overview of Yandex Money with all the most frequent and typical tasks faced by every novice user (by the way, as I notice, many people are in no hurry to use a convenient payment system because of a misunderstanding of these points).

So...

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How to use I ndex Money

Official website: //money.yandex.ru

The main advantages (and why are they needed at all)

If you look in general, despite the fact that our Internet banks are developing quite well, their functions are clearly not enough for online settlements. For example, many of the banks "bully" the transfer fees, some cards do not pass payments, transfers take a long time, and other problems.

Therefore, in my opinion, for fast Internet settlements in our country, it will not even be superfluous to have a YAD wallet (which is devoid of these disadvantages)!

Below are the main advantages:

  1. fairly widespread (most online stores on the network accept Yandex Money);
  2. the ability to order a plastic card and link it to your wallet (as a result, you can pay with it in any stores, like a regular bank card). By the way, you can use their card for Android Pay and pay with it from your phone;
  3. funds from wallet to wallet are transferred almost instantly and with a fairly democratic commission of 0 ÷ 0.5% (as opposed to the same bank transfer, which can last 3 ÷ 5 days);
  4. the ability to transfer funds even by e-mail address (and even to those who are not registered in the system!);
  5. the presence of any guarantees from unscrupulous sellers: if you paid for the purchase, but the goods were not sent to you, Yandex Money support will help you figure it out (a refund is possible within 90 days);

    Such a thing appears when paying for an order using Yandex money

  6. the ability to pay for utilities, telephone bills, government services, various fines, etc. (including by barcode by installing their special application on the phone);
  7. the ability to collect money for various purposes (by creating a special form in a couple of clicks and posting it on sites on the Internet);
  8. regular promotions: various contests are often held, points are awarded (cashback), commissions are reduced.

    Saved 435 rubles

Registration, linking a bank card

To register with YAD, you will need:

  1. working e-mail address (various notifications will be sent to it, some configuration operations will have to be confirmed by mail. Plus, knowing your e-mail, you can make a transfer using it). How to create mail;
  2. mobile phone (it is important that the phone number is registered to you - as SMS will be sent to it to confirm transfers);
  3. passport data (in general, now it is everywhere ...).

If all this is there, go to the official website (the link is given below) and start the registration procedure (use the large "Create wallet" button).

Yandex Money website - //money.yandex.ru

Create wallet

After that, a small registration form will appear: you need to specify your password, phone number and mail to receive a notification (registration is significantly accelerated if you have mail on Yandex).

Registration form

After registration and authorization on the service: in the upper right part of the window you will see your balance: clicking on it will open your wallet number and his status .

My wallet is poison

By the way, in YD there are (today) 3 variants of wallets: anonymous, personal, and identified. Immediately after registration, you will have an anonymous status, and quite significant restrictions.

To get a personalized status: just fill out your profile - enter passport data and TIN (how to find TIN by passport data).

Wallet statuses

Note! If you use the services of Sberbank, then YaD has a simplified procedure for obtaining an identified wallet. It is enough to agree that the data received by YD from Sberbank (confirmation by SMS).

If the data from Sberbank coincides 100% with those that you indicated when registering with YD, the identification will be passed!

How to top up your wallet: ways

Method 1: by card / cash

The easiest, safest and fastest way is to use the "Deposit" button next to your wallet amount.

Please note that you can replenish your wallet in different ways: from a bank card (standard form, see the screen below), cash (in Euroset stores, Sberbank, Svyaznoy, etc.), from a mobile phone (high commission!), And through Sberbank Online.

By the way, you can link your bank card to your wallet so that you don't have to enter its details every time.

From a bank card

The most profitable way of replenishment is through the Sberbank online system: commission 0% (i.e. no).

From Sberbank 0%!

Method 2: giving your wallet number to "well-wishers"

If someone owes you money (or wants to please you) ) - then you can simply send him your wallet number (or business card, see the screenshot below).

Link so that someone can transfer funds to you

Method 3: by creating a form and posting it, for example, in social. networks

If you collect funds for charity (for example, to help someone with treatment), then it is convenient to create specials in Poison. forms (section "How to collect money").

How to collect money

Such a form can be easily placed on various sites, and users will be able to transfer funds to you from their bank cards, phone, Yandex Money. The thing is much more convenient than just a transfer using a bank card number ...

Example of a fundraising form

Method 4: using exchangers

Exchangers monitoring: //www.bestchange.ru/sberbank-to-yandex-money.html

Warning: choose only reliable exchangers with hundreds of positive reviews.

It is very profitable to replenish a wallet in YD using various exchangers (often, they can give 1 ÷ 1.5% of the top! There is, of course, a risk in this, but if you use only services proven over the years, the risk is minimal). To monitor prices, it is convenient to use the Bestchange service (reviews about the services are also given there).

Bestchange - the choice of the exchanger (for nuclear weapons)

How to transfer funds to another wallet (including with 0% commission)

Everything is simple enough here .

First you need to open a tab "Money transfers" , enter the phone number or wallet number, or the mail of the person to whom you want to transfer funds. Then indicate the amount and confirm the transfer by SMS code. See screenshot below.

Form for translation

By the way, please note that the transfer fee is 0.5%. But there is a way how to transfer funds without commission! To do this, you need to install the Yandex Money application on your smartphone and transfer funds from it. See example below.

Link to the YAD application (Google Play): //play.google.com/store/apps/details?id=ru.yandex.money&hl=ru

Transferring funds through an application on a smartphone

By the way, the application on the smartphone allows you to pay various receipts, taxes, etc. "good" by the barcode, which is very convenient.The rest of the functionality is identical to the classic web interface.

I want to draw your attention! Transfers in Yandex Money go almost instantly (throughout Russia), in contrast to bank transfers. Moreover, with a minimum commission!

Withdraw funds to a bank account or card

Method 1: using a poison card

One of the most convenient ways to withdraw funds from the YAD account is to use a plastic card (you can order for only 200 rubles, the card is issued for 3 years). You can use it at any ATM of any bank (i.e. this is a classic MasterCard, you can use it instead of a bank card).

Poison card / As an example

At the moment, you can withdraw 10,000 rubles. per month without commissions (at any ATM of a Russian bank).

Method 2: through the form on the YAD website

Another fairly quick and most obvious way to withdraw funds is to use the "Withdraw" button. You can choose the option of withdrawing funds to a bank card (or account) or to another payment system (Qiwi, WebMoney, etc.).

Note that the withdrawal period depends on the work of your bank: i.e. funds can "fall" on the card in 3 minutes, and maybe in 3-4 days!

The commission in this case will be 3% + 45 rubles. Supported cards Visa, MasterCard, MIR (with the latter faced several times with the impossibility of withdrawal).

Remove poison

Method 3: through exchangers

You can also withdraw funds using various exchangers. Depending on where you are withdrawing funds, the course can be either very profitable or extremely unprofitable. Moreover, exchangers change the rate almost every day and it constantly "jumps" ...

Exchangers monitoring: //www.bestchange.ru

Exchange of poison for Sberbank

Payment in retail and online stores

As for ordinary stores, by ordering a YAD card, you can pay in them like a regular bank card (just present it to the terminal and enter the PIN code).

Paying for purchases with a YAD card (photo from YAD developers)

As for purchases on the Internet: here you can use either the card or the account itself (by making a transfer from it). As a rule, in most online stores, it is enough to change the payment method and select "Yandex Money" (then a standard form will open in which you will need to confirm the payment ...).

Example of payment in an online store

By the way, it is also convenient to pay on the Internet using a virtual card (such a "virtual" helps when you do not want to "shine" your real card, if, for example, you buy goods in some unfamiliar store).

To create a virtual card, just go to the section "Yandex Money Cards" and choose it among various offers. See screenshot below.

Order a virtual YAD card

I would like to note that a virtual card is a very "truncated" version of a plastic card, allowing only a small number of operations to be performed ...

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That's all for now ...

Happy work!

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