Today, experienced users do not have any problems with withdrawing WebMoney funds. The most commonly used WebMoney withdrawal methods are the following:
- exchange through an exchange office
- bank transfer
- withdrawal to a plastic card
- withdrawal to plastic or online cards of the webmoney card service, etc.
- withdrawal using money transfer systems
- Postal transfer
- replenish your mobile phone balance (it is possible to withdraw cash), or pay for other services
Topping up WebMoney without commission: methods
When depositing electronic monetary units into a virtual account in the Webmoney system, you must pay commission fees:
- Webmoney system commission – payment amounting to 0.8%;
- intermediary commission – 1-12.5%: exchange offices, terminals, Internet services, mobile operators; the exact size determines the type of electronic media.
How to enter WebMoney without commission? When replenishing online, some resources do not charge fees for transactions performed, providing services for free. If the top-up amount exceeds the minimum limit, the user receives an additional discount.
The commission payment established by the Webmoney system itself is paid by online intermediaries themselves, which saves the client’s money.
Service history
By tradition, I want to start the article with a short theoretical excursion , which will help us get to know the WebMoney payment system better. First of all, I would like to note the fact that Webmoney is recognized as the most popular electronic wallet in the CIS countries. The peculiarity of the payment system is that you can work with it both in all browsers and directly on your computer, after installing the webmoney keeper program on it. Each registered user can open a wallet in one of the following currencies - dollars, euros, rubles, hryvnias and even bitcoins. If necessary, wallets can be created in all available currencies at once; this function is completely free, and it only takes a couple of seconds to implement it.
Depositing or, conversely, withdrawing money from your wallet is quite simple. We'll talk about input and output methods a little later. In the meantime, I would like to note why WebMoney electronic wallets can be considered the most convenient and functional. This is due to the fact that a huge number of companies and online stores support working with them. In addition, you can use electronic money stored in the system to pay for utilities, top up your mobile phone or pay for the Internet.
Certificate system
The convenience and practicality of the wallet literally has no equal . However, in order to remove the usage restrictions that exist on it, you need to take care of obtaining a certain WebMoney certificate . Immediately after registering in the system, you are assigned a pseudonym certificate by default, which you can later change to a formal certificate, initial or personal. By and large, certificates are a kind of identity verification. The higher the level of the certificate, the more confidence the system has in you.
I admit honestly that webmoney was my first payment system, and when I registered with it, it seemed to me that I was going crazy. Many points were incomprehensible; it was necessary to save the keys in order to be able to restore the wallet, send a scan of my passport to the certification center, and so on. The system pays a lot of attention to the issue of security , which, on the one hand, is very correct and healthy. But on the other hand, this creates difficulties for beginners when registering, forcing them to spend a lot of time and effort .
To simplify your work with your wallet, I strongly recommend that you immediately install the Webmoney application on your smartphone. But for now, let's figure out how to register in the system and create a webmoney wallet.
Minimum WebMoney commission: through a terminal or Internet banking?
The amount of deduction for the transaction depends on the method of depositing virtual monetary meters. WebMoney commission through the terminal is 1-10%. The interest rate is determined by the following factors:
- the country where the financial transaction is carried out;
- intermediary company;
- sum.
Using Internet banking, the owner of an electronic virtual account can deposit funds with a deduction of 0.5-4.5%. The amount of the contribution is the sum of the commission of the system and the bank. Online payment is most advantageous.
Transactions with terminals can be more economical than payments using Internet banking. Before performing financial transactions, study the conditions for their execution in both cases.
Obtaining certificates (verification)
After you successfully register in the system, you will need to receive a certificate. If all the passport details specified during registration were correct, then the system will process your request quickly.
Formal certificate
All that is required of you is to send a copy of your passport, having previously scanned it, and wait a little while for the service to assign your passport the status of “ Formal ”. To do this, you need:
- Go to the profile or “ Security ” tab and select “ Get a formal certificate ” or go to the tab for individuals and select “ Get a certificate ”. Next - “ Control Panel ”;
- After this, the system will take you to a page where you will need to fill out the form required to obtain a formal certificate;
- First of all, you enter your personal data, not forgetting to put o next to each field. This precaution is necessary in order to protect your passport data from public view;
- After that, upload scanned copies of your passport pages to the form and send it all to the system for verification.
Personally, I have been using it for many years, and it is quite enough for me. But if you suddenly decide to get a higher level certificate, then let's figure out how to do it.
Obtaining high-level certificates
- Go to the Webmoney website and indicate which region you live in;
- System technical support will automatically give you a list of people from whom you can purchase an initial certificate. Yes, yes, I was not mistaken, just buy it . Depending on the country and region in which the user lives, the cost of the certificate can range from 5 to 50 dollars ;
- In the list you will find the price and the place where you can get the certificate;
- After that, using the contacts provided by the service, you contact the right person and arrange a meeting. You will be issued a new certificate directly from hand to hand
- Alternative options You can study the receipt in the “For Individuals” section, in the “Obtaining a certificate».
Withdrawal of virtual currency units: transfer fee from WebMoney to card
When making transactions in the Webmoney system, the user pays a set amount of commission fees for each transaction performed - 0.8%. The specified amount of funds is retained regardless of the chosen method of withdrawing virtual banknotes. The final commission for transferring from WebMoney to a debit card is 1.8-3.8%.
Withdrawal and betting methods:
- partner bank card (Russian Standard, Ocean Bank) – 1.8-2%;
- Internet banking (Promsvyazbank, Alfa-Bank) – 2.3-2.8%;
- exchange resources – 2.8-3.8%.
The advantage of transactions with cards of partner banks is the accrual of bonuses. However, to make payments, the cards must be linked to a virtual money wallet.
Frequent problems during translation
The most common problem is an incorrectly entered wallet number . Well, if a non-existent one is entered, then the title units simply will not leave the wallet. But if the number is in the system, then there is a risk of transferring a stranger to Webmoney and it is far from a fact that he will agree to return the money.
Another problem is lengthy transactions . Unfortunately, there is no way to influence this, so all we can do is wait. If after 3 business days the title units have not arrived anywhere, then this is a reason to contact technical support.
If this is not done, then technical specialists will not be able to find the failure in time, and the next time you want to transfer money to another Webmoney wallet, it is quite possible that they will not arrive again.
The payment may not go through if the recipient’s account, taking into account the above, contains more money than the limits allow.
WebMoney commission for transfer: amount, timing of banking transactions
Organizations carry out withdrawal of title units via bank transfer in different periods of time: from instant crediting to receipt of funds within 3 days. WebMoney's commission for transferring virtual money meters is standard - 0.8%. The final commission payment depends on the fee charged by the banking institution.
The total payment amount for a transaction involving a bank transfer is 1.1-4.3%. The amount of deductions depends on the currency in which the withdrawal operation is carried out.
The translation time can be reduced by using online services.
Standard Operations
Almost any transaction made using WebMoney electronic wallets results in a standard commission being charged to their owners - 0.8%, rounded up or down to 0.01 units. This commission is established for transfers between accounts of different users and for paying for purchases in an online store. The WebMoney percentage does not differ when transferring funds to other wallets, although in this case the second payment system charges an additional fee.
When using SMS messages for authorization, the commission also increases. Its size depends on the selected currency. For example, for a ruble wallet, for each confirmation via SMS you will have to pay 1.5 WMR, for a dollar - 0.05 WMZ, for euros - 0.05 WME.
WebMoney withdrawal without commission: methods
Webmoney withdrawal without commission can be implemented by the Webmoney system itself. Using the service, you can receive a bank transfer within 1-7 days. The commission fee will only be the mandatory 0.8% for transactions. Additionally, you must pay 15 rubles. – fee for payment order.
In a similar way, you can transfer the required amount of monetary units to any commercial bank.
Advice from Sravni.ru: Mandatory Webmoney commission charged for any transactions is 0.8%. The remaining commission fees are paid by users of virtual electronic wallets for the urgency of the transactions carried out using third-party services.
Step-by-step instructions for registering and creating wallets
Since the Webmoney system does not require any money from you to create and maintain an electronic wallet, you can easily register it just in case, even if you do not plan to actively use it in the near future. In order to get an account in the system, you will have to spend a little more time than when registering a Qiwi e-wallet, for example. But don’t rush to get scared , nothing super complicated is required of you. If you follow my instructions, registering your wallet will be easy and relatively quick .
Filling in your details
- To begin, go to the official Webmoney website ( webmoney.ru ), and in the upper left corner of the page click on the “ Registration ” button;
- The service will immediately download a registration form for you, where you will need to indicate your mobile number.
This is necessary so that the system can send you SMS messages with digital codes that you will need in further work with the payment system (to withdraw money, for example); - After this you will need to fill out a form . I want to warn you right away that all the data indicated in it must be truthful . Otherwise, you will have problems with withdrawing funds from your wallet to your bank card;
- Once you have completed all of the above steps, you will receive a letter to your email in which you will find a digital activation code . It will need to be entered into a special line on the registration site.
Installation and configuration of the keeper
- After you confirm the validity of your cell phone number and e-mail, the system will offer you to download and install Webmoney Keeper on your PC. If you use the Windows , then it is better to choose Keeper Classic, as it is the most convenient and functional to use;
- When you first meet the keeper, you will need to “ Register with Webmoney ” and confirm your intention by pressing the “ Ok ” key;
- After this, the program will ask you to enter the activation code , consisting of 32 characters, which you have already received in the letter;
- As soon as the code is verified by the system, you will be asked to create a password . It must consist of at least 6 characters;
- Now you will need to generate a unique access key . To do this, it is enough to make several chaotic movements against the background of the opened dialog box, thereby filling the generation scale.
WMID
- At the end of the key creation event, WebMoney will assign you a personal WMID , which will consist of 12 digits . Despite the fact that the WMID number does not carry any secrecy and is available for viewing by all users registered in the system, I still advise you to rewrite it, since this is the combination of numbers that will be used as a login when you want to log into Keeper;
- After generating the code, a window will open in the program in which you will need to set an additional password to gain access to the file with your keys. Please note that this password should be much stronger than the one you set to Keeper. The program will automatically prompt you to save the keys on drive C, but you can change the specified path at your discretion by sending the file to a more secure location
Activation code and wallet creation
- another letter will be sent to your e-mail an activation code . You use it to finally complete the registration of the electronic wallet;
- Now that the registration procedure is completed, the only thing left to do is create the wallet itself. This is not difficult to do. All you need to do is go to the “ Wallets ” tab, and in the “ Finance ” line, hover over the “ + ” sign. In the drop-down list, select “ Add wallet ” and select the account currency for it.
Go to registration
Legal entity
If you need to top up the account of a legal entity, then it is not at all necessary to withdraw money from WebMoney and then send it to the organization. In your personal account, you can carry out this operation directly. The form for paying a legal entity's bill is located on the Webmoney main page.
You will immediately see a payment window where you will need to enter payment details, amount and confirm the transfer.
All these options show how convenient the system is becoming. Today, on the WebMoney service you can perform almost all the same operations as in online banking.
