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Reviews about Yandex.Money Bank. Personal account Yandex money Yandex cash

(storage and transmission over open networks of confidential information).

Yandex.Money is not a bank. When depositing money into the system, the user receives depersonalized monetary obligations of the operator, signed by a digital analogue of his handwritten signature, that is, an electronic analogue of cash - digital money. All funds in the Yandex.Money system are secured by real bank accounts placed with the following banks:

Alfa Bank;
VTB 24;
KB OTKRITIE (RBR);
Sberbank.

The Yandex.Money system is simple and easy to use. Some inconvenience is that it is intended only for residents of the Russian Federation and operates only in Russian rubles. In addition, the system can be used exclusively for personal, family, household and other needs not related to business activities. Only an individual can be the owner of a wallet in the system.

Sellers of goods and services who want to connect the acceptance of payments through this payment system in their online store are offered the Yandex.Checkout tool.

Yandex.Money is widely used to securely pay for various services and purchase goods online without commissions and queues.

GETTING STARTED IN THE SYSTEM

Registration in the system Yandex money free. To receive your Yandex.Wallet you only need to register on Yandex. If you already have, for example, a mailbox on Yandex, you just need to log in and activate your wallet.

Wallet activation is a simple procedure that consists in creating a payment password and providing personal data to identify the user. After that, you find yourself on the page of your Wallet, you can see your account number (highlighted in green, starts at 41001 and contains from 12 to 14 digits) and balance.

Attention! When registering a wallet, indicate only your real data (full name, passport data), this is in your interests: if you lose your password or even the wallet itself, the system will be able to return the money to you only if it will be possible to verify your identity.

User identification

A newly opened account in the system is anonymous. You can work with the system in anonymous mode, but in this case you will be subject to a number of restrictions on depositing and withdrawing funds, as well as transferring funds within the system. The limit on the balance in the wallet, one-time replenishment or money transfer is 15,000 rubles for anonymous users.

If you indicate your full name, passport details, phone number, as well as TIN or SNILS, then your wallet will acquire the status of a registered wallet and the limits will increase to 60,000 thousand rubles.

If you identify the wallet, then many restrictions will be removed from it, and the limits will increase significantly.

It is easier for an identified user to restore access to a lost wallet - simply present the documents specified during the identification procedure.

Unidentified users are not eligible to fundraise for charitable purposes. This measure was introduced because scammers often try to collect money, masquerading as philanthropists.

If you plan to actively use your Yandex.Money wallet, often make or receive money transfers, publish your account number in the public domain, it is highly desirable for you to go through the identification procedure.

At the moment, the system offers a wide range of identification methods for every taste, perhaps the largest of all payment systems.

1.Personal appeal to the Yandex.Money office with completed application form and passport. It may take up to 7 business days to process an application accepted from you by an office employee. Available to residents of Moscow, St. Petersburg, Nizhny Novgorod, Novosibirsk and Yekaterinburg. In Belarus, Kazakhstan, Ukraine and other countries, you can identify your wallet with Yandex.Money agents.

2. Sending an application by mail. In this case, you certify your signature in the completed application form with a notary and send it to PS Yandex.Money LLC by registered mail at the address: 119021, Moscow, PO Box 57, NPO Yandex.Money LLC. A universal method, suitable for everyone, regardless of place of residence, but has a drawback: you need to pay for notary services.

3. Identification via the CONTACT system. To complete the identification procedure in this way, you need to fill out an application on the website, print it out and go to the nearest point of the Contact system, not forgetting to take your passport with you. They will take 250 rubles from you, but 100 of them will then return to the wallet; Thus, the procedure will cost you 150 rubles. After making the payment, wait 1 business day, then go to the Yandex.Money website. There will be a confirmation link. When you follow the link and confirm the entered data, the wallet will become identified.

4. Identification in Svyaznoy. The procedure for passing identification in a connected is similar to the previous method. The difference lies in the fact that you do not need to print any statements - just write down your wallet number or download the Yandex.Money mobile application, as well as in cost: in Svyaznoy, identification will cost you 300 rubles.

5. Identification payment in Euroset. This can be done in any Euroset salon. You need to have your passport with you. The size of the identification payment is 50 rubles. Of these, 1 rub. will be credited to your account (verification transaction). This type of identification can be done only by adults, and it is impossible to make an identification payment for another person.

6. Identification in Unistream. Both Russians and foreigners who are in the Russian Federation can identify an electronic wallet in Unistream. The identification process takes only a few minutes: you need to come to the Unistream point, show your passport and say the number of your Yandex.Money wallet. To complete identification, you need to go to the wallet on the site or in the Yandex.Money application, check, and then confirm the provided data.

7. Through Sberbank. Available to those Sberbank customers who have a Sberbank card and have a Mobile Bank connected. Important: Yandex.Money wallet and Sberbank Mobile Bank must be connected to the same mobile number. To pass identification, you need to leave a request on the Yandex.Money website. After that, Sberbank will send an SMS from number 900. By answering it, the user will allow the bank to transfer his personal data to the payment service. The wallet will be identified within a few days.

8. Copy identification. If you already have an identified wallet, you can copy passport data from one of your wallets to another. The process will take no more than a minute: you need to specify your login or account number, then go to another wallet and confirm identification by clicking on the link provided. Copy limit - 10 wallets.

Working with the system. System commission when making payments

A commission of 0.5% is charged from the recipient of funds upon receipt of a payment to the Wallet from a user of another Wallet. The system has a limit on the amount of direct money transfer (from Wallet to Wallet): for nominal wallets 60,000 rubles per transfer and 200,000 rubles per month; for identified wallets - the limit for one transfer is 400,000 rubles.

If you want to get rid of the commission for transfers within the system, use the Yandex.Money mobile application: transfers through it are carried out without a commission.

Yandex.Money has a chargeback function. If you received money from another user of the system, then by clicking on the icon with the inscription "Return money" in the payment history, you can easily and quickly return it to the sender. At the same time, the system itself will calculate how much, taking into account the commission charged, you need to transfer so that the same amount of money is returned to the sender's account as was debited from it.

For the convenience of customers, Yandex.Money issues cards linked to a wallet. The balance of the card and wallet is the same. There are two types of cards: plastic and virtual.

To order a plastic card, you need to pay 200 rubles. The card will be valid for 3 years. A plastic card is ordered on the site, it comes by regular mail. You can pay with it both offline and on the Internet, it is personalized. You can top up the card without commission through Sberbank, Euroset, Svyaznoy, payments are made without commission. But a transfer to another card or an electronic wallet will cost 3%, at least - 100 rubles. Another important feature of Yandex.Card is the ability to pay via Apple Pay and Samsung Pay.

A virtual card, as its name suggests, does not have a physical medium. But nevertheless, this is a real bank card with its details, which are stored on the Yandex.Money website. It is produced in 3 seconds and is immediately ready for use. Valid for 1 year, then you can order a new one. You can withdraw cash from a virtual card via Google, Apple and Samsung Pay, the commission is 3%, the minimum for withdrawal is 100 rubles.

As mentioned at the very beginning, Yandex.Checkout services are offered for business. But besides this, Yandex.Money offers a wide range of tools for receiving money, for example, on a website, blog, or to raise money for specific purposes.

1. Each wallet user has his own business card. This is just a link that contains the wallet number, like money.yandex.ru/to/410011111111111. It can be sent to anyone, and if you open it, the person will see a form for transfer.

To carry out exchange transactions with Webmoney, you need to link your WebMoney wallet to your Yandex.Money account. This is possible only if you are verified in both systems, that is, you have passed the identification procedure in Yandex.Money and have a passport not lower than the formal one in Webmoney. Your credentials on both systems must match. The final transfer commission in both directions is 4.5%.

The terms of enrollment depend on the specific operator.

There are several ways to withdraw money from Yandex.Money.

Money transfers, as well as the ability to withdraw funds, are available only to the owner of registered and identified wallets.

1. To the map. Commission - 3% + 45 rubles, the minimum transfer amount is 100 rubles.

2. To an individual's account in any Russian bank. Such money transfers usually take 3-7 business days. The system commission for this method of withdrawing money is 3% + 15 rubles, and, in addition, you will have to pay a certain percentage to the bank. For some banks, the withdrawal conditions are different: the commission for Alfa-Click, Promsvyazbank and Tinkoff Bank is 3%.

3. To Webmoney wallet. The commission is 4.5% of the transfer amount, and in order for it to become possible, it is necessary to link wallets in Yandex.Money and WebMoney to each other - this function is available in the corresponding wallets.

4. To a bank card. The commission depends on whether you have a wallet. Without it - 1.95% of the amount (minimum 40 rubles), with it - 1.5% (minimum 35 rubles). Restrictions: 70,000 rubles per transfer, 4 transfers per day and 600,000 rubles per month. If you use a Yandex.Money card for transfers, the commission is 3%, but not less than 100 rubles.

5. Through an ATM with a card. From April 24, 2018, you can withdraw 10,000 rubles per month from ATMs without commission. For withdrawals of larger amounts, you will have to pay 3% of the amount (minimum 100 rubles).

You can also deposit and withdraw money from the system through exchange offices by exchanging Yandex.Money for another online currency.

Security in Yandex.Money

The Yandex.Money system uses a strong RSA cryptographic algorithm and a hash function. All messages in the system are signed and encrypted by the sending party, that is, all messages are transmitted via the open Internet only in a secure form. Yandex.Wallet is accessed via a secure SSL connection using the https protocol.

Therefore, the main danger, as always, lies in the human factor, in particular, in your own negligence. The Internet is full of scammers who try to get money by fraudulent means. If you voluntarily give your money to scammers, no one can guarantee you their return. Therefore, carefully read the safety rules and never forget about them.

Never tell your password to anyone and remember that Yandex.Money support specialists never do not ask for passwords to manage your Wallet.

If you want to use additional methods to protect your wallet. Yandex.Money offers a paid service enhanced authorization. The cost of connecting to this service is 30 rubles (one-time payment). This method of account protection is an alternative to the payment password and reliable account protection against most modern wallet hacking methods. After switching to enhanced authorization, you can no longer be afraid of theft or interception of your payment password. The essence of this service is that the user is issued a digital or plastic card with a table of codes. To confirm any significant operation, it will be necessary to enter a unique set of characters, each time a new one, which can be obtained from the issued code table.

If you make a mistake when entering the codes, the same thing will happen as with an erroneously entered payment password - you will receive a denial of authorization and an offer to enter the code again. If you enter the code incorrectly several times in a row, no transactions will be possible on your account for the next two hours.

Money Transfer Protection

When registering with Yandex.Money, each user is given a unique payment password. Any significant actions in the Yandex.Money system must be confirmed with this password. Therefore, under no circumstances should it be disclosed to third parties.

Remember that, like in any other payment system, your payment password can only be entered on the Yandex.Money website. If you have landed on a website via a link, be sure to check what is written in the address bar of your browser: the address must start with https://money.yandex.ru/. Check the address, even if the site looks very similar to the Yandex.Money site.

If you forget your payment password, you can recover it. For this, a recovery code is provided - a combination of 5 or more digits that you must come up with when creating an account in the Yandex.Money system. To change the payment password, you need to enter the recovery code and your date of birth, and you will be able to create a new password.

The recovery code, in turn, can also be changed. This is done in the section "Payment data", and is available only after entering the payment password.

Thus, if an attacker even knows your main login password, he will not be able to unlimitedly host your wallet, since this requires knowing the payment password and recovery code.

To protect transactions, the system provides transfers with protection. You can use the protection code in cases where you do not want to send money without return guarantees (for example, if you are not sure that you wrote down the recipient's account number correctly), or for conditional payments (when you want the recipient to be able to use the money not earlier than than after certain conditions are met). When sending a payment with protection, a special code (four random digits) is generated for it. The sender has the opportunity to set the validity period of the code - from one day to a calendar year. To receive a secure payment, the recipient must enter this code, and he can only learn it from the sender. Until the code is entered, the money remains frozen on the sender's account, and neither the sender nor the recipient can use it. If the recipient entered the code incorrectly three times or did not have time to enter it before the expiration date, the money is returned to the sender's account.

If you sent money with protection, but forgot the code, it doesn’t matter: you can see the code in the payment details in the Transaction History section.

If you have lost your password...

1. If the password to the wallet is lost

If you have completely and irrevocably forgotten the password to the Wallet, it means that it is irretrievably lost to you, since this password is not stored anywhere. So if painful attempts to remember the access password did not lead to anything, refer to

Electronic payment systems are the main tool for conducting transactions on the network. They are used for online purchases, account replenishment, and other purposes. In Runet, one of the popular electronic payment systems is Yandex.Money. ProfitGid offers to take a closer look at the domestic service before using it.

Yandex.Money is a Russian electronic payment system that offers transactions in rubles. The service was created on July 24, 2002. Initially, the project was launched together with the partner PayCash. It is important to note that Yandex.Money is the first electronic payment service that received a specialized banking certificate for the Internet payment system.

Initially, PayCash was engaged in the technical component. Yandex's responsibilities included promoting the product and working with the audience. In 2005, Yandex completely bought out the partner's share. According to experts, the amount of the transaction amounted to 1-2 million dollars.

The peculiarity of the system lies in close cooperation with banks. In 2005, partnership agreements were concluded with a number of banking institutions:

Sberbank;
Alfa Bank;
VTB24 and others.

In 2011, Yandex.Money began to provide the ability to link a bank card to an electronic account. The peculiarity lies in the fact that the user can pay bills from a Yandex account, and the money will be withdrawn from the card without commission. As a result, Runet users were able to experience two main advantages:

no need to replenish the account for purchases on the Internet;
no need to specify card details for payment.

Such simple, but at the same time effective solutions allowed the Russian payment system to become a massive tool for paying online.

The number of active users is over 22 million users.

In May 2016, TNS Russia conducted research on Russian payment systems. According to the results, Russians use the following EPS at least once a year:

Sberbank Online - 72%;
Yandex.Money - 35%;
– 30%;
– 30%;
QIWI - 28%;
Alpha click - 14% and others.

Getting started with Yandex.Money

To make payments using the Yandex.Money service, you need to have an account. For quick registration, you can use the data of social networks - Vkontakte, Odnoklassniki, Mail.ru, Twitter and so on. It is mandatory to bind a mobile number, which will later be used to confirm transactions.

If the user does not want to provide his data from third-party social networks, then he can register a new account. To do this, just enter the following data:

Surname;
Login;
Password;
Mobile phone.

Wallet types

The system provides several wallet options at once. Depending on the status, Yandex.Money applies various restrictions on the account. In the table you can see the main parameters of wallets.

Wallet type	Anonymous	Nominal	identified
Terms of receipt	Issued upon registration	Identification on the site (for citizens of the Russian Federation)	At the Poison office or partners
One-time limit	15 000 rubles	60 000 rubles	250 000 rubles
Withdrawal conditions	To the Yandex.Money card	To VISA, MasterCard, Yandex.Money and to Alfa-click account	All available methods
Payment terms	Payments only within Russia, transfers between users are not available		Payments around the world, transfers to any users

Yandex.Money cards

The Russian electronic payment service offers users to issue several poison cards at once.

Map name	Plastic card Yandex.Money	Plastic card Yandex.Money with pluses	Yandex.Money virtual card
Maintenance cost	199 ₽ (3 years)	499 ₽ (3 years)	Free
Internet payments	Eat	Eat	Eat
Payments in brick-and-mortar stores	Eat	Eat	No
Cash withdrawal	Eat	Eat	No
Bonuses from Svyaznoy-Club	No	Eat	No
Commission for payments	0%	0%	0%
Commission for cashing out/transfers	3% + 15 ₽ (min. 100 ₽)	3% + 15 ₽ (min. 100 ₽)	3% + 15 ₽ (min. 100 ₽)
Currency conversion fee	2%	2%	2%

User identification

One of the most problematic places of poison is identification. After registration, each user is assigned an anonymous wallet. In fact, it can only be used for online purchases, since the owner of such an account will not be able to accept payments from other participants in the system. This is especially important to note for those who are going to.

Getting a personalized wallet will not be a problem only for those who are citizens of the Russian Federation. To do this, just send a color scan of your passport. Users from Ukraine, Belarus, Kazakhstan and other CIS countries have problems with identification. They have several options to verify their identity:

visit the office of Yandex.Money or partners;
send an application by mail along with a copy of documents certified by a notary.

For passing identification by these methods, the user will receive the last type of wallet. However, the process will take up to one month and the price will be 10 $ .

Deposits and withdrawals

The Yandex.Money electronic payment system offers a large number of ways to deposit money into an account:

bank transfer;
VISA and MasterCard cards;
prepayment cards;
self-service terminals and so on.

Identified users can link to the WebMoney e-wallet for deposits and withdrawals.

You can withdraw money in several ways:

bank transfer, commission - 3% ;
using a Yandex.Money card - 3% + 15 ₽ (minimum 100 ₽).

Advantages and disadvantages of poison

If we compare the Russian electronic payment service with other systems, then we can highlight the following advantages:

instant registration;
convenient and clear interface;
instant payments;
the possibility of issuing a card;
high data security;
support for a large number of online stores;
focus on Runet users.

Despite the large number of advantages, this EPS has serious drawbacks, which is why Yandex.Money is not suitable for everyone:

no multi-currency account;
high commission for currency conversion - 2% ;
high commission for withdrawal of funds;
commission for internal transfers – 0,5% ;
poor support for users living outside the Russian Federation.

Yandex.Money rating and reviews

In general, Yandex offers users a fast and convenient service for making online purchases, paying for communication services, fines, online games, and the like. However, this is far from a perfect system for those who are going to make money on the Internet, and so on.

Do you have experience using the Yandex.Money electronic payment system? Please leave your review to help other readers choose the right service for making electronic payments.

If you came to the Internet to master modern technologies to use them for the benefit of yourself and your loved ones (paying city bills, mobile phones, buying goods, clothes, train, plane, theater tickets, etc.), or earn money and do something worthwhile, then you will definitely need e-wallets. How to create a Yandex.Money wallet and why is it needed?

If you plan to work on the Internet, or receive additional income there, then it is better to have a few:

Yandex money,
rbk money,
and so on.

The more wallets you have, the easier it will be for you to work with your clients (customers), who can choose a convenient payment method. If they do not find such a way, they may refuse your services.

If you want to buy goods, books, courses, etc. on the Internet, then the cheapest way is to pay, for example, from your Yandex.Wallet to the seller's Yandex.Wallet, because intermediaries charge a commission for money transfer services.

Intermediaries include, for example, various payment systems Z-Payment, Robokassa. Intermediaries also charge an appropriate percentage for transferring money from one payment system to another, for example, for transferring Yandex.Money to Webmoney.

Yandex.Money has been owned by Sberbank of Russia (since 2012) with all the ensuing consequences: compliance with the law, the requirement to identify Yandex.Wallet, etc.

Getting Yandex.Money (in other words, creating a Yandex.Money wallet) means that you need to open your account, which is a set of numbers, for example, 42801392429142.

In principle, a bank account is also a set of numbers.

How to open an account in Yandex.Money

For this you need Yandex Mail. If you don't have it, then

create a username and password for
enter your mobile phone number (since January 2014 only this way).

After you open a Yandex.money wallet, you will immediately have an account.

A Yandex.Money account is linked to a Yandex account, for example, to Yandex.Mail. If you have an e-mail address in Yandex, then you have a username and password. If there is no account, then, I repeat, you need to come up with a username and password for it.

So, you have clicked on the link above, a new tab has opened in your browser to create your Yandex.Money wallet. You can watch this article-instruction in one tab, and fill in the required fields yourself in another tab.

Rice. 1 Fill in the fields in Yandex.Money to open your electronic wallet

If you are registered with Yandex, that is, you have your own account there (your email), then click on the link "I have a Yandex login" (link below the number 1 in Fig. 1), and enter your login.

Number 7 in Figure 1 - if you need the Russian language, but your screen is different, then immediately scroll to the end of the page and at the very bottom there is a modest link with the flag of the country. We click on it and select the Russian language Ru, so that it is as in fig. 1.

6 in fig. 1 - if you have questions or need other help, you can call Yandex.Money technical support +7 495 974-35-86 (it is better to go to the Yandex.Money website using the link above, there is always an up-to-date phone number).

To create a wallet, you need to fill in the fields in fig. 1:

1 in fig. 1 - If you are NOT registered with Yandex, then we invent and enter a new login from Latin letters and numbers. The login will be access to your wallet, so it must be unique, that is, this should not be on the Internet. Therefore, you need to choose such a login so that it is free - these are the rules.

If you enter a NOT unique login, a Yandex hint will appear in red next to it “Someone is already using this login” and at the same time hints will be offered below, what options for unique logins are available. You can use these hints, or you can independently choose a suitable unique login, for example, add letters or numbers to a non-unique login. When a unique login is entered, a green checkmark will immediately appear - you can fill in the rest of the fields.

If the login for Yandex, for example, is Nadezda, then the free email address will be [email protected] and Nadezda will be the login for Yandex.Money.

Login is your name in Yandex. At the same time, this will be a login for free e-mail in Yandex, as well as for all other Yandex services that are provided only to "logged in" users, that is, registered users.

The login must be unique, that is, it must differ from other logins by at least one number, one letter or dash. It is impossible to change your login after registration!

Number 2 in fig. 1 - we come up with a password so that it is strong. If you click on the “eyes” icon in this field, the password that you enter will appear. If you click on the “eye” a second time, the password will hide and black dots will appear. For security purposes, the password must NOT match the username or password. It is better to write down the login and password immediately in a notebook or save it somehow, because they are your access (in other words, the key) to all Yandex services, including the wallet.

After entering a strong password (a green check mark appears), you will see an additional field “Password again”, where you must re-enter the same password.

3 in fig. 1 - specify the mail for payment notifications: what money came (accrued) and what money was spent (spent). Such mail can be a new Yandex.mail (with the login and password that you created in fields 1 and 2 in Fig. 1), or it can be any other mail that is convenient for you.

4 in fig. 1 - enter the real number of your mobile phone. It will be possible to receive SMS with passwords to confirm payments to this number. Since 2014, it is impossible to register a Yandex.wallet without specifying a phone number!

After entering the phone number, additional fields will appear in which you will need:

first enter the characters from the picture to prove that you are not a robot,
and then a code to confirm that you are the owner of the phone. The code will be sent via SMS. If the SMS with the code does not arrive, it may be worth turning off the phone, and after a couple of minutes turn it on again and then an SMS may come.

Now we write in a notepad or otherwise save in a safe place all the information for accessing our Yandex.Money: login, password, mobile number (if you have several mobile numbers).

In our age, overflowing with information, relying only on your memory is a utopia! A notebook, a notebook will be some kind of insurance. In any case, it's up to you to decide.

After confirming the phone number, you will see a window with your wallet number (congratulations, this is already a Yandex.Money account):

Rice. 2. Message that the Yandex Money wallet has been created

To the question: “Is it necessary to link a bank card to a wallet?” I will answer that it is not at all necessary, the wallet will work without it.

So we got a page with a Yandex.Money account number. Then you can already work with this wallet: familiarize yourself with the contents of the “Deposit”, “Withdraw”, “My transactions” (history of actions with the wallet), “Payment for services”, etc. tabs. To understand some of the nuances, it is better to read the article to the end.

How to find out Yandex.Money number

To find out the Yandex.Money wallet number, you need to go through 3 steps, shown below in fig. 3:

Rice. 3. How to find out your Yandex Wallet number (that is, Yandex Money number)

You will find yourself in your Yandex.Mail (in other words, in your Yandex.account), because your name or Yandex.Mail login will be in the upper right corner.

2 in fig. 3 - open the drop-down menu by clicking on the checkmark.

3 in fig. 3 - Yandex.Money number will appear immediately. By clicking on the “anonymous” link, you will learn about the limitations of the anonymous wallet. A personalized wallet is more serious, and the most reliable, with a maximum of opportunities, is an identified one.

To remove the drop-down menu containing the Yandex.Wallet number, click on the small checkmark (2 in Fig. 3) and the menu will be closed.

Wallet settings. Deleting a wallet

The ability to remove Yandex.wallet appeared recently, it was impossible to do this before. Now it can be done quickly and easily.

You can check the settings immediately after creating the wallet, or do it later. You will need to enter the Yandex.Money wallet (if you have logged out), and then open the menu by clicking on the indicated checkbox (1 in Fig. 4):

Rice. 4. Yandex Money wallet settings. Deleting a wallet

2 and 3 in fig. 4 - you can change the phone and region by clicking on the pencil icon.

4 in fig. 4 - an inconspicuous, gray button "I want to delete my wallet." By clicking on it, we read the message:

“You are deleting the wallet
Along with the wallet, bonuses (if any) and subscription to notifications are deleted. All this cannot be restored.
You will still have your Yandex account, as well as access to Mail, Disk (and other services). But you will not be able to re-create a wallet for this account.”

After this message, there is a yellow “I understand” button, click on it.

Now in the field that appears, you need to enter the code from the SMS that will come to the phone. Enter the code and click on the yellow button "Delete Wallet". Before us is the final message from Yandex.wallet:

If, after deleting the wallet, you still try to create a new one in the same Yandex.account, then you will encounter a notification:

“Need another Yandex account
You have deleted your wallet from your account
You cannot create a new wallet under the same account.
Register a new account - with a new wallet.”

I draw your attention to the fact that only the wallet is deleted, mail and account remain. To :

go to the mail with your username and password;
click on your username in the upper right corner;
and then - "Account Management";
a page will open that should be scrolled to the end;
At the end of the Account Management page, you will find a gray link called Delete Account.

How to top up your Yandex.Money wallet

You can top up your account with cash:

in the Euroset, Svyaznoy communication stores,
from mobile phone balance,
with virtual prepaid cards,
plastic bank cards,
terminals (in particular, Sberbank terminals),
ATMs,
through ,
transfer from other services (for example, from WebMoney, Unistream, Contact)
and etc.

Information from the official site:

The Yandex.Money service was acquired by Sberbank in 2012, so it is possible to top up Yandex.Money in terminals and ATMs of Sberbank of the Russian Federation.

Instructions on how to replenish a Yandex.Money account through terminals and ATMs of Sberbank of the Russian Federation:

At ATMs and terminals of Sberbank of the Russian Federation, you can replenish your Yandex.Money account from any card issued by a Russian bank. Commission - 0%, money is credited instantly.

Please note: cash is not accepted in such terminals, you can only replenish your account with a card.
To top up your account, you need:

Insert the card into an ATM or terminal and enter the pin code.
Select "Payments and transfers" in the menu - the "Payment for services" page will open, where you need to click "Next".
Select "Electronic money", then - "Yandex".
Specify the account number in Yandex.Money that you want to top up. Then - click "Next".
Enter the payment amount and click Next.
Check if everything is correct and click "Pay".

How to make a transfer from your Yandex.Wallet to another

To make a transfer to another Yandex.Wallet, you need to open the “Money transfers” tab (in Fig. 5 the old name is “Transfers”), and also carefully check “To”. You can transfer money from your Yandex.Wallet to any other Yandex.Wallet, or to a bank card.

Sometimes, when transferring Yandex.Money, it is required to specify additional information in the message in order to make it easier to identify and identify the senders of money. To do this, check the box next to “Add a message to the recipient” and enter the necessary information in the field that appears.

Rice. 5. Transferring money from your Yandex.Wallet to another Yandex.Wallet

How to withdraw Yandex.Money

All options for withdrawing Yandex.Money can be found if

1 in fig. 6 - go to your Yandex.Wallet (that is, to your Yandex.Money),
2 in fig. 6 - click on the "Remove" button.

After that, the possibilities that are available for withdrawing Yandex.Money will be listed. Pay attention to the checkmarks, especially the “no identification” checkbox marked with number 3 in fig. 6.

If you have not passed the Yandex.Money identification (see details at the end of the article), then there will be fewer options for cashing out money.

Rice. 6. How can I withdraw (cash out, withdraw) Yandex.Money

The disadvantage of this option is that the transfer fee is 3% of the amount.

3) You can transfer money to any bank card, there is a commission.

4) It may be easier to transfer through a transfer system, for example,

withdrawal of Yandex.Money through the CONTACT system, which will take 1-2 business days,
or via Western Union.

The money transfer system requires Yandex.Wallet identification, which is described in more detail at the end of the article.

Log out of the Yandex.Money wallet. Get another wallet

Many users never log out of their accounts. For example, they once created a Yandex.Money wallet, use it, but never exit it through the “Exit” command.

On the one hand, this is convenient, because you do not need to enter the wallet later, that is, you do not need to enter the login and password from your Yandex account again. And some users do not save their login and password at all.

On the other hand, a third party user can log into an open wallet and use it at will, which is called “the sin of not logging in” if it is constantly open. Therefore, from accounts, and write down logins and passwords.

To exit the Yandex.Money wallet, click on your login in the upper right corner (1 in Fig. 7). A menu will appear in which you need to click on the “Exit” option.

Rice. 7. Exiting the Yandex.Money wallet

Sometimes people ask how to create a new wallet if the old wallet keeps popping up. To do this, you just need to close the old wallet (more precisely, exit it), as shown in Fig. 7. After that, you can create a new Yandex.Money wallet if necessary.

If you forgot your wallet password, you can try to recover it. To do this, you can enter your login and click on the link “Forgot your password?”, Or use the help of Yandex.Money, which will be discussed below (there is also a link to it).

Help and Support Yandex.Money

Yandex.Money Help is a list of frequently asked questions with answers to them. The answers are given by Yandex.Money employees on the official website, where the information is kept up to date, so such information can be trusted.

There are a large number of sections in "Help" - "Main Questions". If you have a question, then by clicking on the appropriate section, you will find a detailed answer provided by Yandex.Money employees.

If something is not clear to you, then in your Yandex.Wallet go to the "Help" tab, or follow the link:

Or ask questions in the comments to this article, I will answer.

There are questions regarding Yandex.Money that can only be resolved by the Yandex.Money Support Service. The fact is that only the Support Service has a database of all Yandex.Money clients: the client's login, all the client's operations in the wallet, etc.

Please note that you SHOULD NOT disclose your Yandex.Wallet password to anyone, even Yandex.Money employees.

The same rule works here as with bank cards: the pin code from your bank card CANNOT even be reported.

The support service can help you resolve issues with access to your Yandex.Wallet, as well as block the operation of withdrawing money, for example, due to their theft (the time of contacting Yandex technical support plays a huge role here: the sooner the better), or, conversely, unblock Yandex.Wallet.

Just like for a bank card, so for Yandex.Money, according to the law, the money that was stolen will return to the user under two conditions:

the user is identified,
he turned to the Yandex.Money Support Service within 24 hours from the moment the money was debited.

Problems with Yandex.Money identification are also resolved in the Support Service for Russian citizens and for those who are outside of Russia. But at the same time, as they say, rely on the Support Service, but don’t make a mistake yourself. Write a statement, deal with documents - you have to do it yourself.

Voting “Which electronic money do you use or do you NOT use at all?”

You have to be careful with money.

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Comments: 143 to “Electronic wallet Yandex.Money in 10 minutes”

Not much can be paid directly with Yandex.Money in Belarus. For example, it will be possible to replenish the balance in Skype or play World of Tanks (and other online games), pay for hosting services and domain purchases, in some cases, mobile communications and transport. In addition, you can pay for purchases on Ebay, Amazon, Aliexpress and some other trading platforms.
You can top up your Yandex.Money account using a bank card.

Maybe you can answer here. To transfer funds to an account, 20 digits are required, on Yandex money 14 digits. How can I find out the full account and beak for transferring funds?

You cannot transfer funds to Yandex.Money in the same way as to a regular bank account. This can be done through an Internet bank, for example, through Sberbank Online or Alfa Click (depending on which bank to transfer from), but in the Internet bank you need to select the “Transfer to electronic money” option (namely, to electronic money).
To be more precise, in the Sberbank Online Internet bank, in the “Payments and transfers” section, select “Transfer to a Yandex.Money account”, select the debit account, enter the wallet number and payment amount.
You can also transfer funds to Yandex.Money not only through the Internet bank, but also through special services, for example, you can make a transfer from your Yandex.wallet to another Yandex.wallet.
If in the service where you want to make a transfer, there is no way to enter the Yandex.wallet number (an error is generated when entering it), then I can assume that the recipient did not provide for the transfer of money in the way you are trying to do it. Is it possible for you to somehow contact the recipient of funds and consult with him on this topic?
In addition, regarding the transfer to Yandex.Money, you can contact your bank, they should help you.

Hello Hope!
Thanks for the detailed article.
I have such a question, I live abroad and a small amount of money is transferred to me from Russia every month.
In order to pay or withdraw money, they advised me to make a Yandex money debit card linked to the phone. If you have information about this, please share!

Hello Irina. You can order a Yandex.Money debit card after you open a Yandex.Money wallet:

It costs 200 rubles. for 3 years, but it is unlikely to be delivered abroad. You can install the application on your phone and pay
via Apple Pay or Samsung Pay. Cash can be withdrawn only after identification, there is a commission for cash withdrawal.
In my opinion, the most difficult thing is to go through the wallet identification, or rather, choose the appropriate identification option:

On May 29, 2018, the article was finalized and changed in accordance with the changes that took place in Yandex.wallet. In addition, new sections have appeared: on how to get another wallet and on deleting a wallet (this could not be done before).

If I register a Yandex wallet for myself while living in India, and should I receive money transfers from Russia? Will it be in rubles or with conversion?

It will be in rubles. Conversion is your task, and clients from Russia will pay in rubles. For conversion, you can use exchangers (there is a commission), or you can transfer Yandex.Money to a foreign currency account in a Russian bank (if you opened it in the Russian Federation). Then this question is better addressed to the bank that serves you.
Typically, such tasks are solved as follows: the client opens two accounts - one in rubles and one in foreign currency - in a Russian bank. Then he orders the bank to convert all the money entering the ruble account into another currency (at its internal rate).
There are other options for transferring Yandex.Money to another currency, which are best clarified in Yandex technical support.

Hello. I need another wallet for Yandex money. With the same login as the first one. Is it possible? It doesn’t work out for me either. Help and explain, if possible.

Hello. One Yandex.Money wallet - one login. Two Yandex.Money wallets - two logins (two Yandex.mail). Three wallets - three logins, etc.
You cannot create two wallets for one login.

Thank you. I see

Good day, I am in the Republic of Belarus, and it is necessary to accept and send payments. There is no SB card. HOW TO make it possible to open a wallet on Yandex with the data of a non-resident of the Russian Federation, there is NO phone of the Russian Federation either.

Hello. I don't see any problems. Open your Yandex.Money wallet. Then you need to go through its identification. This can be done in one of two ways:
1) Contact the Yandex.Money agent in Belarus:

The Yandex.Money agent in Belarus is ISEC-System, which identifies Yandex.Money electronic wallets of citizens of the Republic of Belarus.
2) Or you can send an application and passport data to the Yandex office in Russia.
As for receiving and withdrawing money: either you link your existing bank card to a previously identified Yandex.Money wallet,
or order a Yandex.Money card

Many thanks to the author for the article! I wanted to write that selling and buying currencies of different payment systems, including cryptocurrencies, through exchangers remains the most profitable option today. It is important that many do not need any additional verification and registration.

The only bad thing is that exchange rates change very often. It happens that they pay extra for the transfer, and sometimes they change it with a predatory commission. But in this case, there are monitorings, I don’t know how I would live without them! I have been using BestChange.ru for a very long time. Always the best rate and no registrations and exchanges.

Almost always, when I need to exchange something, buy or withdraw to a card, I go there to check whether the exchange rate is up to date in my favorite exchangers.

Hello, I registered with Yandex money and transferred a certain amount, I had to pay for a raise to the top, but I received a request for my passport data. The question is whether this information will harm me in the future? When registering and luring to Yandex wallet, nothing was said about this, I'm afraid that they will then ask for a card number and pin code? Thank you.

To the question of whether information about passport data will harm, decide for yourself. It may be easier to go to the Yandex.Money office, if possible, and present your passport there (by the way, they scan it there, just like in a bank). I can only say that complete anonymity on the Internet as such has not existed for a long time. Fraudsters, for example, send SMS messages stating that your bank card has been blocked even to those people who don’t even have cards:
Fraudsters thus lure all the information about the bank card from those people who call them back after receiving a fraudulent SMS. And there are many examples of fraud.

Yandex.Money has its own bank card, which is often recommended to be used for payments on the Internet, including for raising to the TOP. It is not recommended to use a personal bank card. About the Yandex.Money card:

Why IT IS NOT SAID ANYWHERE that immediately after the first replenishment, the money WILL NOT GO to your wallet. And they will hang in the air until you specify passport data. And if you are a citizen of another country, then prepare the docks-notaries-statements of blablabla. And xs how long is the red tape? If I had known, I would never have contacted G___Yandex.

When Yandex.Money first appeared, there was a lot of freedom, you just had to start your own Yandex.mail and that's it, you can use Yandex.Money. Just from such a wallet I have
Then, in 2012, Sberbank acquired Yandex.Money, it became more and more strict, since 2014 it was impossible to open a wallet without specifying a mobile phone. Now the situation is such that the requirements are likely to be even more stringent. It is not known what data you provided when registering the wallet: real or not, etc.
And another question, before starting a Yandex.wallet, did you even look for information on how you can then use an anonymous wallet?

In this article, it is written and specifically highlighted that “Yandex.Money belongs to Sberbank of Russia (since 2012) with all the ensuing consequences: compliance with the law, the requirement to identify Yandex.Wallet, etc.”

Hello, what should I do if the Yandex.Money support service has not been able to identify me for the 2nd month, although the letter with my notarized copies of the passport has long been received, what should I do in such a situation and where to complain?

Hello. I don't know what your confidence is based on that the letter has arrived. But if it did come, then the next question arises: was it opened in Yandex.Money support? If opened, then the result may be negative, that is, there may be a refusal to identify for some reason.
In any case, my opinion is that the answer should be sought in Yandex.Money technical support by phone or fill out the form to receive an answer: https://money.yandex.ru/feedback/

Beforehand, to obtain additional information, it is better to pass a mini-test from Yandex.Money support regarding identification:
https://yandex.ru/support/money/issue/identification.html

Hello! Today I transferred money from my wallet (Yandex Money) to another wallet (by mistake). I wanted to recharge my phone. The number did not go through and I wrote another number of my phone. The money was successfully transferred, but turned out to be blocked, because. the subscriber whose number I indicated (my second number) does not yet have a wallet. How can I open another wallet so that the money goes to it? Or are there other options?

Hello. You can use one Yandex.Wallet to pay for different mobile phones, for example, you can pay for the mobile phones of all your relatives or friends by simply entering their phone numbers correctly.
If you mistakenly transferred money from your Yandex.Wallet to the wrong phone number, contact the Yandex.Money support service
//money.yandex.ru/feedback/

Hello! Please tell me if I open a Yandex wallet in Kazakhstan. Can I deposit money here in tenge, and send it to Russia in rubles. Ie convert? Or how to be?

Hello.
If you have a bank card in Kazakhstan, you can ask the bank how you can transfer money to Russia. The easiest way, from my point of view, is a transfer from a card in Kazakhstan to a card in Russia, while there is a commission for the transfer, but the money is transferred quickly. You can transfer money through the Internet bank from your computer (I do not recommend using a mobile phone), you can connect an online bank in your bank. At first it seems difficult, but if you figure it out, then this method of translation is easier than personal trips, etc. This is how I transfer money from a card in Russia to a card in Ukraine.
An example of a transfer from card to card through Sberbank Online (in other Internet banks - similarly)

Yandex.Money can also be used, although I don’t think this option is the easiest, but it works. Open Yandex.purse means to open an anonymous wallet. Most likely, an anonymous wallet is not suitable for transferring money, so you will need to go through Yandex.Money identification

To replenish Yandex.wallet (after it is already open), you can use official Yandex.wallet funds. To do this, on the main page of Yandex.money, under the amount of money in the account, you need to click on "Top up". Options will appear among which you need to select the item “From a bank card”. Next, you will need to enter the amount, card number, owner details (first and last name) and CVV code (it can be found on the back of the credit card). After entering all these data, a check will begin, at the end of which the system will give a result - with further instructions on replenishing or refusing such an action (then you most likely need to go to the bank to figure out what the problem is or call the hotline). The standard payment for replenishment from the card is 49 rubles, but some banks also charge additional funds.

Another way to replenish Yandex.money is through the obmentop.kz exchanger. On the site of the exchanger, you need to register, indicate the number of your bank card and Yandex wallet, after which, a message with a code will be sent to your cell phone. After entering it, for some time, the wallet will be replenished.

Hello Hope! All the best to you! I once had Yandex - a wallet. All data on it has long been lost. I would like to open my wallet from scratch. I go to Yandex-money, I get a window, your wallet number is such and such ... How to be!

Hello Anatoly.
If you have a wallet number, then in theory you can use it. You can top up your wallet, etc.
But still, you need to have access to it, that is, you need to know the Yandex.Mail login and password. If you know your login (e-mail) and have access to this mail, then you have access to Yandex.Money.
Probably, you still do not have access to Yandex.Mail, and then you automatically have no access to Yandex.Money.
To start a new mail and, based on it, open a new Yandex.Wallet, you must first exit the old mail, which, it seems, you have never done.
To log out, you need to click on your e-mail in the upper right corner, a menu will appear in which you click on the “Log out” command, something like this:

After that, it will be possible to create a new mail and a new wallet.

Thank you very much for the legible and fully detailed detailed answer, what is yand money, I never thought that such information would be needed. I will definitely register.

Good afternoon. I have a question for people living abroad (not in Ukraine BUT ABROAD) why do you need to replenish your account with POISON?. I'm most interested in a way to painlessly withdraw money from poison abroad

Hello.
People living abroad top up their account on YaD in order to pay for services and goods with Yandex.Money (and this, by the way, is the electronic money of Sberbank, a state bank, and therefore there are some guarantees for those who accept payment with Ya.Money).
For example, a package of patterns for cross-stitching is sold in RuNet - there are no such super-schemes anywhere, but here they are and they are sold exclusively for Yandex.Money. Or training, for example, Hebrew is carried out via Skype, and payment is accepted only by Yandex.Money. And there are many such examples.

What do you mean by “painless” withdrawal of poison? Order a POISON plastic card and withdraw from any ATM in the world:

If you have any doubts, specifically ask the technical support of the poison, because they can block the poison in some cases, especially if the wallet is anonymous

Sorry, I forgot to write that I live in Ukraine, and I plan to receive payment not only from Ukraine, but also from Russia. Thank you. (this is to the post about the limitations of an unidentified wallet)

Hello Hope. Thanks for the clarifications available. I read a lot of information before I came across your site. Recently I decided to start a small business on the Internet and for this I started a Yandex-money wallet, I did not pass identification. Can you please explain what restrictions this imposes on me? In particular, I’m wondering if it’s possible for me to transfer funds to my wallet from the terminal and can I withdraw them by transfer to my own or someone else’s bank card? I would be grateful for clear information, otherwise I got completely confused (. Thank you.

Oksana, hello. Yandex.Money is a very convenient service if you plan to run your business with it. For example, you can even get a Yandex.Money plastic card linked to your Yandex.Money wallet. And this card can be used like a regular Master Card debit bank card:
The Yandex.Money card allows you to withdraw money from any ATM, with a commission.

Transfers to the Yandex.Money wallet are usually made without problems, including from terminals. But I'm not sure that now in Ukraine there are no restrictions on this matter, since Yandex.Money is a service of Sberbank of the Russian Federation.
But with the withdrawal of money and with the transfer to bank accounts and cards, there may be problems similar to the Webmoney service. It is necessary to clarify which banks in Ukraine work with Yandex.Money. And what are the requirements for withdrawing money from Yandex.Money in these banks. Banks “tie” electronic money to ordinary accounts or cards, and according to this scheme, transfer money back and forth: from an electronic account to a regular account or from a regular bank account to an electronic money account. At least, this is how it usually works in Internet banking.

As for Webmoney, for Yandex.Money, I also recommend going through identification once. I know that there are situations when money is blocked until identification is passed. You can check with the Yandex.Money Support Service
//money.yandex.ru/feedback/

I, in shock over Yandex money, performed several operations successfully. Today I wanted to transfer a certain amount. It gives me-Oh, the mechanism blocked the wallet. I contacted support. They motivate the blocking of the account by the fact that my passport data were transferred incorrectly. And now it is necessary to pass identification. In turn, I-they were given the exact data. This was a failure in their system. Where is the guarantee that when performing the following operations after normalization, the system will not fail again. They offer me to quickly run to Euroset or to Sberbank. Which offer to install a mobile application - Quick payment. You can send documents to them after having certified them with a notary. Solid freezes. I do NOT advise starting Ya.D.

Personal identification is in all electronic payment systems known to me. An electronic wallet in any payment system has different statuses. According to the statuses, restrictions are imposed on the use of the wallet. The biggest restrictions are imposed on the “Anonymous” status, more about statuses
money.yandex.ru/doc.xml?id=526544

For example, Webmoney also has identification and, therefore, there are restrictions on the use of the wallet.
Poison has been owned by Sberbank since 2012. Already since then (that is, for a long time) different statuses and different restrictions have appeared in the poison.
I think it’s easier not to run from “problems” with identification, but to solve this problem once, and then use the Poison service.

Hello Hope. I have about $15 on Aliexpress.

Question one: Can I transfer this money to my wallet without going through the identification that is usually required for foreigners?

Question two: In the future, will I be able to pay from my wallet to buy games in the Sony Playstation Store, again without being identified?

Thanks in advance!

Hello Rifag. You may be able to transfer money from Aliexpress to Yandex Money. The question is: can you then withdraw them from Yandex.Money or use them in some other way, more precisely, will they be frozen there until the Yandex wallet is identified? I cannot unequivocally answer your questions, there are many nuances and the country of a foreigner also matters.
It is best to contact the Yandex Money Support Service, the link is in the article above. You can ask them these questions and at the same time find out how easy it is to pass identification while in your country.
With Aliexpress, many withdraw money via WebMoney:
,
but in WebMoney, you may also need to identify yourself by sending a scan of your passport. In Yandes.Money, you also need to send a notarized copy of your passport to identify your wallet.

Thank you very much!

Hello, I had two mails on Yandex and two wallets, one mail was saved with a wallet, only the wallet number remained from the second one, can I restore another mail?

Hello! I registered in Yandex money, but I don’t know if it’s right? I don’t understand how and what to do next. Age speaks for itself! I would like to know if I did everything right, I received a code and password, I remembered the password, I wrote down the code during registration, but crossed it out and did not remember. Will I need it? I wrote down the wallet number. What's next, I don't know! Can you explain. Thank you!
- Hello.
  At any age, you need to write down your data related to money. You need to get a notepad or notebook and write down the password, login to enter Yandex.Money there. Access to Yandex.Money: login and password are exactly the same as access to Yandex.Mail.
  You are unlikely to need a Yandex.Wallet number if you do not have access to Yandex.Wallet (that is, to Yandex.Mail).
  To get started, try several times to go to Yandex.mail and exit it:
  
  When you have mastered entering and exiting Yandex.mail, go to Yandex.Money in your Yandex.mail. Try logging in and out of Yandex.Money several times.
  When you can confidently enter Yandex.Money and exit, then you can replenish Yandex.Money for a minimum amount, for example, through a Sberbank terminal for paper 10 rubles. (for the amount that is not afraid to lose if something does not work out).
  Then check in Yandex.Money that these 10 rubles. came to your account.
  I can’t say what’s next, because you need to understand why you need Yandex.money. You may need to go through identification, because without it it turns out that you still have anonymous Yandex.Money. There are restrictions on using Yandex.Money for an anonymous person.

Hello. Maybe at least you can help me. The essence of the question is this .. Out of ignorance (I am an elderly person, I am just starting to “get acquainted” with a computer), I put money on a Yandex wallet. time, I decided to look at my wallet and unknowingly opened the SECOND wallet. There was also a confusion with the passwords. I called Support, wrote, but they didn’t help me with anything specific. They said, press: EXIT. SECOND empty wallet. I know the account number of the first wallet, but I can’t get into it. Do I really have to say goodbye to my money? For such ignorant people, science! Maybe you can help me. Only in simple language (if possible) because special. I don't understand the terminology. Thank you.

In order to enter another apartment, you must first exit the first apartment, close it, and then open the second apartment. Here is about the same situation.

Write in detail how you exit Yandex.mail, what you click, step by step.

Another variant. If you have a second browser on your computer, try using the second browser to access Yandex.mail and the Yandex.wallet linked to your mail.

Hello Hope! But as in my case. I received money, my wallet turned out to be anonymous. No more than 15,000 thousand rubles. I am on the territory of the Donetsk People's Republic. They sent me 30,000 rubles. Before that, I had 600 rubles. 30,000 I do not see, neither I, nor the one who sent it. The money is stuck. We worry both the translator and the buyer. I can't identify myself. I'll try to find a notary, I read the address where to send the documents. If it works, I'll send it. And if not, will the sender get the money back or not?

Hello Tatiana.
To identify Yandex.Money, they usually do this: they find a notary and send documents to the Yandex.Money office.
But about whether the sender will receive the money back, it is best to contact the Yandex.Money “Help”:
https://money.yandex.ru/feedback/

They usually answer. It is better to go to your Yandex.Money and contact Help from there. Down there, in the footer, there is a link "Help".

Hello Hope. The situation is to make a transfer from wallet to wallet. IMPORTANT condition - write the N-th phrase in the field "NAME OF PAYMENT". When you try to make a translation, the field does not appear anywhere. And the condition, I repeat, is NECESSARY! Can you tell me where to find it, or what is similar to it today? By the way, when I registered with Yandex.Money today. , the interface of the site was somewhat different than on your screenshots. For example, the name was not requested ... Unfortunately, I can’t send a screenshot of my page for technical reasons. I sincerely hope for your help.
With Uv. Alexei.

Hello Alexey.
The screenshots in the article may well be somewhat outdated, because everything changes very quickly and there is no way to quickly change the screenshots in all the articles on the site.
I added Figure 5 to the end of the article, which shows how you can send a message to a Yandex.Money recipient when transferring money.

Hello. I live in Crimea, tell me this situation, the wallet has long been registered to a Ukrainian number, but due to the fact that Crimea has now become part of Russia, I cannot use my wallet. I tried to change the number to a Russian one, but an SMS with a confirmation code comes to the Ukrainian number, but they are not serviced by us. For the second year, money has been in my wallets and I cannot use them

Hello.
You are in an unusual situation. It can only be solved through “Feedback” in Yandex.Money:
https://money.yandex.ru/feedback/
There you need to specify the account number in Yandex.Money. You do NOT need to share your passwords or recovery code.
I somehow contacted them through this Feedback form, they answer on working days, the answer comes to your e-mail.
For urgent help, there are Yandex.Money phones:
for Moscow and any countries except Russia: +7 495 974-35-86,
for other Russian cities: 8 800 250-66-99.

Hello. Registered in Yandex mail under the same last name and first name (indicated in the Ya.passport). Now I want to create a nominal wallet in Ya. money, but I will already enter the last name and first name of others, passport ones. Will there be any problems or is it better to change the surname and name in the Ya.passport? The phone tied to Ya.dengi is registered to the passport data

Hello. You may have more than one Yandex account, but several accounts. In my opinion, up to 10 Yandex.Accounts can be linked to one phone. And it's up to you to decide which account to link Yandex.Money to.
Through my own mistakes with Yandex.Wallet, I came to the conclusion that the best option is to create a wallet on the new Yandex.mail: clean, without spam, not exposed anywhere on the network. And then use this Yandex.mail ONLY for working with Yandex.purse and do not shine this mail anywhere else.
By the way, then, in my opinion, you cannot delete the created Yandex.wallet and also not delete the Yandex.mail to which the Yandex.wallet is linked. Yandex.Money is owned by Sberbank, and since 2014 the requirements have become tougher.

Hello Hope! I am on the territory of the Russian Federation, but I am a citizen of Ukraine. Tell me, please, can I withdraw money from a Yandex wallet to a bank account in Sberbank? Thank you

Hello Tatiana.
On the official website of Yandex.Money, they write that in order to transfer Yandex.Money to a bank card, you probably need to go through Yandex.Money identification:
//money.yandex.ru/doc.xml?id=524810
This is provided that you have a card of Sberbank of the Russian Federation. If you have a Sberbank of Ukraine card, then there may be other rules.

You can also clarify your question in the Yandex.Money support service:
//money.yandex.ru/feedback/
It’s better to first log into your Yandex.Money account, and in the footer click on the “Feedback” or “Support Service” link.

Nadezhda, thank you for such detailed instructions, for your desire to help the ignorant to understand this computer banking web (money transfers). And such a pleasant moment “How to speak correctly” (Yandex money = Yandex wallet). Be God saved!

Hello. I work abroad and want to make transfers to relatives in the Russian Federation. What is the best way to do this and whether they can receive cash and on a card, for example, Sberbank. Is it possible to transfer money from a foreign card to a Sberbank card through Yandex money? Thank you!

Hello. The official website of Yandex.Money says that for replenishing Yandex.Money: “Visa, MasterCard and Maestro, which were issued by the bank of Russia, Azerbaijan, Armenia, Belarus, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Tajikistan, Turkmenistan, Turkey, Uzbekistan, Ukraine, Estonia". I understand this in such a way that other maps of other states are not suitable for this.
Do you have an account in a foreign bank? You can connect the “Internet Bank” service to it at a bank branch (perhaps, this is a paid service abroad, I won’t tell you for sure). If you have access to your account through the Internet bank, then there may be the possibility of transferring money directly to a bank card using its 16 (or 20) digit number. But it is better to ask the operator at the branch of a foreign bank, specifying that we are talking about a Russian bank card. In Russian Internet banks, this is an affordable servant, I can’t say for sure about abroad.
You can definitely transfer money from your account to a Russian account in the Internet bank. But here the currency control procedure is obligatory in the Russian Federation, and, possibly, in your country. Without going through this procedure, you will not be able to transfer money. Your recipient of money here in the Russian Federation will also have to pass currency control, for example, by providing the bank with documents confirming your relationship.
With a reverse transfer from the Russian Federation abroad, it is possible to resolve this issue in such a way that 2 cards are attached to the Russian account: the main one for the sender of money, and the additional one for the relative - the recipient of money. And the relative calmly uses the Russian additional card abroad, without problems and without currency control.
It is possible that in a foreign bank you can issue an additional card without a name or with the name of your relative, transfer this card to him, and he will use it like a regular bank card. And the money will be debited directly from your foreign account. There is no need for any currency control. But this should be clarified in your foreign bank.
If you use only cash abroad, then you can find out about the possibility of sending a regular postal money transfer to your foreign mail. There is some Cyber Money in the Russian Post, perhaps this is your option, but I have never tried it.

Hello Hope!
Many thanks for the clarifications on my letter to Ya.D. It remains only to add that the requirement not to write the card number, its validity period and a small number on the back of the card, I was categorically told by the employees of the savings bank. In a personal response to such a question (after receiving a fraudulent SMS by phone). And I pay for housing and communal services through Sberbank.online and do not indicate such data. Apparently they were made even when connecting Sbarbank, online. I agree with you and take note. Thank you very much!

Good day Nadezhda, I have to transfer a donation to the city of Bolgar for each akathist in order to read a prayer by agreement with the Bolgar (St. Abraham's Church) I live in Kazakhstan and have never transferred money to a Yandex wallet. If I did not explain clearly, you can go to the site The Orthodox Bolgar is my spiritual beacon) in the Transfer section (how to join in prayer by agreement) if aas does not complicate. Help me how to do this

If you have any questions, ask in the comments, I will answer.

Hello! I had a need to send money to Ukraine. I decided to create a Yandex.purse. At 72, he worked 2 pm. Created. Now you need to connect a Sberbank card. And there it is necessary to indicate all the data from the card. But Sberbank does not allow this. How to be? And then send it to Yandex.money in Ukraine. And then I read that you can replenish through the terminal and so on. Or can I immediately replenish that Ukrainian Yandex.money in Svyaznoy? Without creating your own? And further. At the end of all the torments of registration, an SMS from Yandex came to the phone with a link to download the application. And a link is provided. And according to this link, some banks, in general, something incomprehensible. Can you tell me why you sent this link? And I correctly enter it into the Yandex search engine? Yes. And one more question. Now I will close the Internet, the computer. And tomorrow you need to enter Yandex.wallet. Where to begin? Where can I find a wallet? For now I bookmarked it. It might open. Thanks in advance for your reply! All the best!

Hope! Hello! Thanks a lot for answering my questions. My friend, a former colleague, lives in Ukraine (in Kyiv). It's hard for him now. Wanted to help. I talked to him on VK. He says that he can send money through Yandex.Money. He will send me the number if I do everything for the transfer myself. He has no other cards. Well, the amount is not sky-high. What can one pensioner send to another!?
I understand almost everything from your answer except:
1) “On every fence” it is written that Yandpex. Money can be used to make transactions all over the world: China, America, Antarctica, etc. And what about their Yandex.Money in Ukraine? and maybe I won't transfer anything there? Did you just try in vain? Does China also have its own Yandex.Money? Or are they still international? I mean, suddenly I decide to buy something on Aliexpress or somewhere else.
2) To send money, they must be put there. I didn’t get it - is it possible to do this through Sberbank-Online? I find only methods through terminals and offices of Sberbank. And do I need to attach a Sberbank card? By the way, many recipients require you to indicate the card number, expiration date and a small number on the back. And Sberbank prohibits the introduction of these three things at the same time. How to be?
3) I understood about the link to the phone. I also have a Pilips phone, maybe 2005. I myself did not touch the SMS received after registration (suddenly from the first steps and scammers).
4) Now how to enter the wallet. You advise through your mail. And I (in my opinion) did not create any Yandex mail. They promise a lot and demand a lot in return. I'm just afraid of such establishments as Yandex-mail, mail.ru.pochta, Cloud, YouTube, and in general everything that is a step away from My World and VK. Registration is very intricate there everywhere. Everywhere require my e-mail address and password from it. I leave these things immediately. Well, okay, how many times will I go in.
5) Tell me, please! But how, if necessary, disable Yandex.Money? Close wallet permanently?
6) And probably the last. What a great computer course you have. And I bought 2 video lessons on disks (SuperPCexpert and Turbocomputer) and both are lying in a box. Everything about them is so incomprehensible. I would like to try to learn how to work with a computer in your lessons. Only now I did not find the beginning of everything. I look only at the links that are at the bottom of the lessons (blue). And to see the beginning and the table of contents, in order to know how to study sequentially, and not in shreds. Can you give me a link to start?
Thank you for all your hard work creating all these tutorials! Thank you for quick answer! And just a big thank you!

1) Yandex.Money was originally developed by Yandex. Then they were bought by Sberbank. I hope that you will transfer Yandex.Money to Ukraine. I receive a lot of messages about various problems that users have, so in my previous comment I tried to remember them and somehow warn them. Aliexpress accepts payment in Yandex.Money, this is written on their website.
2) You can top up Yandex.Money through Sberbank.Online: //money.yandex.ru/doc.xml?id=524280
You can NOT attach a Sberbank card to Yandex.Money.

Where does Sberbank prohibit entering 3 main bank card details? Refine your question. If you pay, for example, for tickets on the Russian Railways website or housing and communal services with a bank card, then nothing will be paid without entering these details. And, of course, scammers do NOT need to offer them without the need or enter them on fake, phishing sites.
4) If you have Yandex.Money, then you also have Yandex.Mail. You can check.
If you have My World, then you also have Mail.ru mail. You can also verify this.
5) You can delete your Yandex account

Then, in theory, Yandex mail, Yandex.Money and everything else associated with this account will be deleted. It will be impossible to restore later.
6) My courses:

Hello!
The problem is, I foolishly transferred money to pay interest to the bank on Yandex, and now the money is weighing, the penalties are growing, and all because of the payment password. I wrote to the service, they say you entered it. I didn’t enter an account and didn’t enter any payment password. How should I be now? Thank you.

Hello. The payment password is needed only when any payment is made. I think it's easier to connect mobile and confirm payments through mobile.
Look in your mail for a letter when you opened Yandex.Money. You can find the payment password in the letter. If this does not work, you can try to recover the payment password:
1 If a mobile phone is linked to your account, then via SMS.
2 If there is no linked phone, then using the recovery code.
3 If you do not remember the recovery code, then apply to the Yandex service.
This can be done here: //money.yandex.ru/doc.xml?id=524851

Hello, I have a problem. I have lost all entries with the numbers of my Yandex accounts, and most importantly, I have lost my passwords. I don't even remember how many accounts I have 3 or more. One of them has 3,700 rubles on it, but I can't get it or transfer it to another account. How can I get out of this situation and how can I get money?

Hello. You do NOT need account numbers, you need an entrance to the Yandex mail (Yandex account) to which Yandex.Money is linked. Try first to use the help of Yandex to get into your Yandex account
//money.yandex.ru/help.xml
If you get into your Yadex account, then from there you can get into Yandex.Money.

If you cannot get into your Yandex account, write to Yandex Help
//money.yandex.ru/feedback
Phone +7 495 974‑35‑86

My mail was hacked and my identified wallet was used, I suspect that perhaps with the help of my identified data they created several more wallets only on another account, how can I find these wallets?

You need to contact Yandex.Money. On your Yandex.Money page at the bottom of the page, in the footer, there is a link “Write” or “Help”. You can click on any of them and describe your situation in as much detail as possible. After they answer you from Yandex.Money, then if they themselves write to you about this, then you will need to send some kind of confirmation that you are you, and not scammers (for example, a scan of your passport). But this is after the answer from Yandex.Money.
There was once a situation that money was stolen from Yandex.Wallet:
It didn’t work to close such a wallet, I just had to start a new one on a new Yandex account, which is used only and strictly for Yandex.Money and nothing else.

I have an American mobile (001…) and I can't create a Yandex wallet. I get the error "You filled out the field incorrectly. Try again." At the same time, a confirmation code is coming to my phone! But the wallet won't open. What to do? The problem started with the fact that I can't pay with an American VISA card for flower delivery in Moscow - I'm trying to solve this using a Yandex wallet. Please advise. Thank you!

Yandex.Money is now a Sberbank project, with all the ensuing restrictions, in which Russian banks operate. Perhaps you should try to pay in other ways that are available in the online flower delivery store, for example, via Webmoney - they work in Russia.
It is strange that the store does not accept an American VISA card. About 10 years ago I had a similar situation, but in reverse. I ordered and without any problems paid for the delivery of flowers to the USA using a Russian bank card. However, the Americans were so surprised by my order (from Russia) that they simply decided NOT to fulfill it, although the payment went through. I had to call the contact numbers of the American online store and in Russian English, with difficulty, explain that this is very important for me. Thanks to the Americans for understanding me and doing everything right.
Maybe you should try to call or write to a Russian online store and agree on a suitable payment method. You can also look for other online stores with more convenient payment methods.

Hello! How to create a new wallet if there is already one? I read on the site that if there is an identified wallet, then you can copy the data from this wallet and identify the rest of the wallets if there are less than 10

Hello.
To create a new wallet, you need to create a new Yandex.mail, that is, you need to open a new e-mail address. On this new Yandex.mail, you need to open a new wallet. In general, how many e-mail addresses you have on Yandex, you can open the same number of new Yandex.wallets.
The Yandex website says:
“How to copy an identification
First of all, you need to go to the site under an identified account. After that:
Open Settings, "Account" section. In the line with identification, click on the link "Copy to another wallet".
Select which wallet to copy the identification to and enter your password.
Go to another wallet, click on the balance and open the link to verify your identity.
Check the data carefully. If everything is correct, confirm the identification with a password.
Immediately after confirmation, this wallet will also become identified.”

I received a poste restante transfer to a mailbox that is not connected to my Yandex.Money wallet. On the Internet, I read the following information about this:

If you have an account on Yandex.Money, but the email address to which the transfer was received is not linked to it, you can link this address to the account, and the money will be automatically credited to it.

Q: How do I link an email address to an account?

Hello Irina.
Thank you for the question, the answer is in the article after the heading “How to link an e-mail to a Yandex.Money account?”:

Hello Hope,
Thank you very much for your responsiveness and willingness to help, but, alas, it did not help me. That is, I tied the email address to my wallet, but the “On Demand” transfer sent to this email address (the sender did not know my wallet number in Yandex.Money and sent it to E-Mail), I couldn’t receive it like that . And I don't know how to get it.
I have already written 2 requests to the support service, received 2 concise answers from there:
“This is Pay on Demand.
The payment must be accepted or it will be returned to the sender.”

And no one in the world seems to know how to accept a Demand payment.

Sincerely
Irina Weinberger

Hello.

Irina, if you confirmed linking your email to the account where Yandex.Money is, I think you should try to urgently start Yandex.Money on the e-mail where they came from.

Hello Hope,
Thank you so much for helping a stranger like this!

On my problem: everyone writes to me the same thing that you wrote:

Open this letter and click on the "Receive" button

But the problem is that in the letter I received there is no “Receive” button. If it was, would I not have guessed to click on it!

Regarding your advice “try to immediately start Yandex.Money on the e-mail where they came from”: how can I start Yandex.Money on an e-mail with a domain name other than yandex.ru? For example, they transferred money to me for this one: irina… @hotmail.de. How can I open a Yandex.Money wallet on it? And secondly, even if I can do this, I will not be able to use this money until I identify myself. I have already gone through this identification process on one e-mail (…neva2 @yandex.ru), I know what it is. Since I live in Germany, I had to first certify the application with a notary (paid 25 euros), then go to court (passed through a metal detector, they literally searched me), apply for an apostille, leave, return at the appointed time (again through a metal detector) , get an apostille (paid 20 euros), and send it all by registered mail to Moscow (5.60 euros). As a result, it cost me more than 60 euros and a lot of nerves.
Then, after almost two months, my account was finally identified. Then I had money on it for something like 30 euros (in rubles, of course). And so, in order to dispose of this insignificant amount, I had to invest 2 times more.

Theoretically, of course, I can create an unlimited number of wallets in Yandex.Money. But I won't do it. Why - You already know: I don't want to go through the identification procedure again.

You have a very nice blog, you are doing a good deed, so I share my sad experience with you so that you can tell your readers about it. All of this is reading the truth. I myself am the owner of 2 sites, //videokurs-neva2.com/ and //neva2.ru/
I myself make video courses on machine knitting, I sell them myself, so I am familiar with payment systems firsthand. Once again, one of the potential customers decided to purchase a video course on machine knitting and, without understanding it properly (in addition to the online store, I also reported the wallet numbers in Yandex.Money and WebMoney on my website) transferred the payment for the video course to this one ( from which I am writing to you) address. But I can't get paid. Because of what and all the fuss.

Most likely, the sender will receive a refund of his money, and then simply transfer them to my wallet.

Sincerely
Irina Weinberger

Irina, I agree with you that e-mail: irina… @hotmail.de does NOT allow you to open Yandex.Wallet. And I agree that if the same e-mail is tied to Yandex.Wallet, it may not help either.
What remains is what you wrote: the money will be returned to the sender and he will pay directly to Yandex.Wallet.

Rating: 1 Checked

In January 2019, he used the Yandex.Money Credit Balance service. Made a purchase on Ali. Part of the amount was taken from the credit balance. A few days later I refused the purchase and the money returned back to the credit balance. Directly to the credit balance. Exactly the amount that was taken from him. In any case, it was written in the letter about the failed payment. Then he again made a purchase on Ali, but from a different seller. The product was delivered and is still in use. But problems with the Credit balance arose almost immediately. The first refund was not taken into account and the amount of both purchases was in the early repayment section. I called the support of the MCC, with which Yandex cooperates and which directly provides lending. They said, they say, we did not receive returns, talk to Yandex. Then I called Yandex.Money support, and after my explanations, an appeal was created. After some time, they answered me that there really was a technical failure and the specialists are working on finding and fixing the problem, after which a recalculation will be made taking into account the problems and everything will become as it should be. The obligatory monthly payment was withdrawn only once in automatic mode, and then the monthly payments were no longer withdrawn, despite the fact that the required amount was in the wallet. Periodically called support and wrote to support about changes in the situation. As a result, they said on the phone that such issues are resolved only in mail correspondence with a specialist. And the specialist only reassured "we need more time", "the recalculation will be made." Several times I was asked whether I want to repay the entire amount at once or in monthly installments. I replied that monthly payments. Almost half a year has passed. No more monthly payments were taken, although each time they were reminded and the necessary amount was in the wallet. The problem has not been resolved so far. Recently I called the IWC support again and this is what they told me there. It turns out that the return was still made. BUT! Already after the end of the grace period, i.e. more than a month later. In this regard, the IWC counted it as an advance payment! And all monthly payments were taken from this amount! Those. instead of reducing the principal amount of the debt and reducing the amount of repayment of interest for using the loan, this amount was spent on monthly payments!!! No one warned me about this return, otherwise I myself could have set off the entire amount through the application as an early partial repayment. I wrote about this in support of Yandex. Money. A week and a half passed and no one answered. The result. I am a goof. Yandex are bad people. In July I will already pay my money. Yandex doesn't care. They had a crash. The problem arose as a result of this failure. The last one is me. Think a thousand times before using the Yandex service. Or double-check them every time to be sure.

Yandex.Money 14.06.2019 10:27

Hello!

Lending for purchases is still working in test mode and has been connected to a limited number of users. You were one of the first to get access to this service. We continue to work in this direction.

We apologize for taking so long to resolve the issue. Now the situation has been corrected and no additional payments will be required from you. The letter told in more detail about the payments and the amounts for them. We will be glad if you stay with us.

Yandex.Money team

The Yandex.Money service began its work in 2002, and today it is considered the main competitor of the international WebMoney settlement system. Most Russian-speaking users prefer the system of the Yandex IT company, or use it in parallel with WebMoney or QIWI.

To open a wallet, you need to have a Yandex mail.

Registering a mailbox in Yandex

If the user does not yet have an account in the service in question, then the first step is to go through a quick registration in the system, get username and password from email.

After that, you can connect and use any Yandex services.

It is worth noting that when filling out a user profile, it is best to immediately link your account to your current mobile phone number.

This is necessary to further confirm the operations performed and restore access to the account. Since the system does not require the user to identify a personal phone number, many users select the "I don't have a phone" tab and provide only the answer to the security question.

But such a system of protection is already outdated! To have full control and management of your account, it is best to use real methods of protection against hacking and scammers.

Opening an account in Yandex Money

For those users who already have registered mail on Yandex, to open an account, you must:

The main features of the account owner in Yandex and its settings

Statuses of electronic wallets

Anonymous

After registration, the wallet is assigned the status "Anonymous". The owner of such a cash account has a very limited opportunities compared to holders of wallets with subsequent statuses. From an account with unconfirmed personal data, you can make payments only on the territory of the Russian Federation with a issued virtual card (in online stores, replenish mobile accounts, make utility payments), or with a MasterCard plastic card ordered by mail from Yandex in the terminals of the country.

With "Anonymous" status it is forbidden transfer money to other wallets or receive it from other users of the system, order the withdrawal of money to bank accounts or cards.

Nominal

If a user plans to use this electronic money system to withdraw money earned on the Internet to a bank card, they will have to change their status. To get "Named" it will be enough enter your personal information(full name, passport details, TIN). Activation of the new status is instant. Also, the owner of such a wallet has access to purchases in any online stores, even outside the Russian Federation, and money transfers within the system.

identified

The most advanced status is "Identified". These are completely different limits and amounts of transfers, replenishment of any bank cards and cash withdrawals through ATMs and Yandex.Money MasterCard cards. In addition, it is possible to link your wallet to the WebMoney system.

To identify your identity in the service, you must submit a written application to obtain the appropriate status in person or by mail to the office of the system, or to the branch of one of the Euroset or Contact partners.

Setting up a personal account

By going to the “Settings” section in your personal account, the user will be able to:

change the linked phone number;
order emergency codes (needed in case of loss of phone or change of number);
connect SMS confirmation of money transactions;
subscribe to informing by SMS (paid service);
enable or disable email notifications;
link the required bank card;
order the registration of a virtual or the issuance of a personal plastic service card.

Application "Online Payments"

"Yandex.Money: online payments" is a convenient application for mobile gadgets
With this free application, making payments and transferring funds is quite simple. In addition, this software is capable of generating one-time passwords for logging into the system.

The program provides great opportunities for managing money, which are no different from using a wallet through a familiar Internet browser. Here you can pay:

Also, using the mobile application from Yandex, you can make any transfers (depending on the status of the wallet).

How to transfer Yandex money to a bank card?

The most popular way to withdraw money. To order a payment, a card does not even have to be tied to a wallet. The Yandex service makes withdrawals to the cards of the main payment systems Visa, MasterCard and Maestro. The minimum amount for the transfer is 500 rubles. The commission is 3%. If the card is not tied to a wallet, then 45 rubles are additionally charged for each transfer.

To receive Yandex money on a bank card (debit, credit, payroll), you must:

Virtual and plastic cards from the service

This is a fairly convenient service of the payment system in question. Any registered user, regardless of the status of the wallet, can issue both a virtual one and order the issuance of a personal plastic card.

Virtual card

Features of the Yandex virtual card service:

It is issued free of charge in the user's personal account;
Does not have a physical medium, but is tied to an account in the system;
It has its own CVC2 code and a certain period of validity, which are sent by SMS to the owner;
Easy and fast replenishment in a large number of ways;
With its help, you can quickly pay for goods and services on the Internet without commission;
Can be issued by any owner of an account in the Yandex system, regardless of the status of the wallet.

A plastic card

Features of a plastic card from Yandex:

It is issued for 3 years, at the end of the validity period, it is necessary to order a new card;
The cost of servicing a plastic card is 200 rubles (one-time fee for three years);
Issued and delivered by Russian Post - free of charge;
Shared account with a wallet - all the money received on the account is immediately available for use through the card;
All owners (except for non-confirmed wallets) will be able to pay with the card both in online stores and in supermarkets, shopping centers, cafes, and restaurants. In other words, wherever you can pay with bank cards of the international payment system MasterCard. Owners of anonymous wallets can make money transactions only within the Russian Federation;
Such a card is protected by a chip and a magnetic stripe, supports the new MasterCard PayPass technology (you can pay without entering a PIN code).

Yandex.Money is a popular payment system with a simple and intuitive interface, great opportunities, and many partners throughout the country, which simplifies identification.

Using this system, you can easily withdraw money earned on the Internet to any bank card, or spend it directly from your account by ordering a virtual and plastic card of the system.

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