Electronic wallet: TOP 12 best + 10 selection criteria

Good afternoon Today we will talk about cryptocurrencies. Bitcoin appeared in 2009, and since 2013 BTC has been an unwelcome guest in Russia. The Tax Service says that the legislation does not directly prohibit the use of BTC, and Nabiullina says that the Bank of Russia is against the legalization of cryptocurrencies; other ministers consider BTC owners to be accomplices of terrorists and propose to imprison them for the circulation of cryptocurrencies. Who to believe? The temptation is great — over the past year, BTC owners have multiplied their capital 20 times, and now the price is expected to rise. How to make money and not disgrace yourself before the law? Below I will talk in detail about what anonymous e-wallets are and how depersonalize money.

Wallets and exchanges

Bitcoins are stored in special wallets that are registered almost automatically, without forcing the owner to provide a name or email. Login and management keys are written to the Wallet.dat file in encrypted form. The user's login and password are the keys for decrypting Wallet.dat. If there is only one wallet file cannot be associated with a specific person . If you have access to your wallet, you can find out your transaction history, conduct an investigation, and find out who paid for what. You can also find out on which computer transactions were generated by tracing their history of distribution over the network.

difficult to track a specific person if he uses bitcoins according to the precepts of Satoshi Nakamoto - he transfers them from hand to hand . But 90% of modern Bitcoin owners did not purchase them in order to buy something with them - they want to earn money . To get bitcoins, you need to mine or buy them from other owners. Mining is long and expensive , and for purchasing there have long been special exchanges that automatically exchange fiat money (rubles, dollars, euros) for cryptocurrency. Popular exchanges operate legally and are required to have a license to carry out banking operations such as currency exchange. Under the terms of the license, they are forced to work according to the Know Your Client (“Know Your Client”, abbreviated as KYC ). That is, when registering on such an exchange, you need to enter your full name , telephone number , address , and some passport information . Interested people with influence can gain access to the account on the exchange and establish their identity .

Samourai

The best anonymous Bitcoin wallets.
Samourai Official website https://samouraiwallet.com

One of the newest and most progressive anonymous Bitcoin wallets aimed at privacy. It includes all modern developments and anonymity technologies, but unfortunately it is still in the Alpha stage and there is a version only for Android.

Samourai is one of the few applications that has a serious backend (software part) and an excellent, up-to-date design. Usually nerds who write cool code understand nothing about design and do not pay enough attention to the UI. Not so here. So, what can the Samurai wallet do:

• Samourai creates a new address every time you accept a transaction, making it much less difficult to trace your funds. If one address is reused, the wallet will notify you about this;
• Samurai supports work via TOR and VPN;
• Outgoing transactions go through a mixer, which operates through a network of masternodes;
• The private keys are with you, the application is completely encrypted;
• The Samourai app has a Stealth mode , in which it cannot be seen on the phone. In this case, the application itself is called by the PIN code;
• If your phone is lost or stolen, you can transfer your wallet data to another device via SMS, and completely delete the wallet on the stolen phone. Even if the attacker managed to change the SIM card, Samurai will send you his new number and you will be able to manage the program.

The conclusion can be drawn that Samourai is the best anonymous Bitcoin wallet with many cool useful features. The application is new, but it is already clear that the development team is cutting a serious product (by the way, open source). They have a clear understanding of anonymity principles and user needs. The Samurai Wallet is our Editors' Choice.

Why is it difficult to achieve anonymity?

Anonymity means that the wallet cannot be associated with a specific person. That is, judging by the transactions (input and output), it is impossible to say which real person sent and received them. In modern exchanges or online wallets, you register a personal account with access to “clean” wallets. Reputable exchanges and wallet services always ask you to indicate and confirm your email and phone number so that the user can restore the login information to their personal account. For user convenience, transaction history can also be restored in your personal account. The servers of exchanges and wallets are centralized and can be hacked - such facts are often mentioned in the news. Security forces can legally ask the management of the exchange to provide access to the personal account of Ivan Ivanov, suspected of money laundering.

Good anonymity can be achieved on your own if you use the “classics” like Bitcoin Core or Armory . The problem is that these wallets require a full 150GB blockchain to perform any transactions. And the BTC in the account must also be anonymous - purchased on the exchange identity verification for money that cannot be associated with a specific person.

An anonymous wallet will solve these problems by providing the ability to buy , receive and send bitcoins, identifying the user only by login and password . To use the exchange, you can register a clean email and a clean account in any electronic payment system. Then you just need to top up your account on the exchange, buy crypto and wait for the moment when it will be profitable to sell it .

which online wallet is better to have?

First of all, you need to determine for what purpose you need an EC: running a business or private use. Depending on the purpose, the selection criteria are determined.

Hm…

Conditions are constantly changing, so when you decide to activate the service, go to the official websites and check the details. Below are the main criteria for choosing an e-wallet.

Business:

• Geography . The system must work in the countries/regions where your clients live;
• Commission size . Moreover, for each transaction, in order to fully calculate the costs of connecting the system;
• Withdrawal of funds . What are the withdrawal methods and to which banks?
• Specifications . What are the installation features, is there anything additional that needs to be connected;
• Conditions for connecting to the company's website.

For private users:

• Methods of movement of funds. Is it possible to transfer funds from banks and other wallets;
• Commission size . For withdrawals of funds, transfers and other operations;
• Payment for goods/services . What trading platforms can you work with;
• Easy to open wallet . What personal data is needed and how long does it take to connect;
• Restrictions without verification . What operations can be performed without account confirmation;
• Support for the desired currency . For freelancers, for example, if they accept payment in foreign currency.

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Wallet selection criteria

There are several anonymous wallets, so you have to choose. There are several points that definitely need to pay attention to.

User anonymity

• Anonymity is the main theme of the article. It can be measured by the amount of information needed for registration and use of the exchange services. Ideally, to work on the stock exchange you only need an email and a created password .
• Anonymous payments . If you can track transactions, then you can find out who they went to and why, and then find the owner of the wallet. Therefore, many exchanges confuse transactions by shuffling coins, changing the priority of transactions, breaking large transfers into dozens of small ones and conducting them through different channels.

Commissions

You have to pay for these services - anonymous exchanges may charge a commission for replenishing your account and withdrawing money.

Additional features

Some exchanges offer to issue a bank card that can be used to pay at any terminal, an electronic card for payments on the Internet , and make money from an affiliate program.

How to withdraw funds

To withdraw funds from your Payeer account, go to the Transfer tab.

In the Select system field, indicate from which account you want to make an electronic transfer.

Available:

• Payeer, Advcash, Perfect Money,
• bank cards Visa, Maestro, MasterCard, Mir,
• cash,
• cryptocurrency, international transfers (Banks of Ukraine).

If there is a payment template, select the template.

In the next field, depending on the withdrawal method, indicate your electronic account number, card, email, phone number, Bitcoin wallet, etc.

The last stage is the amount, the Transfer button.

All wire transfer fees and transaction prices are displayed to the right of the transfer form.

How to anonymously top up your account?

In our world, only cash is not tracked . This means that you need to top up through terminal . For example, we register a new electronic account in the Perfect Money , enter a fictitious name and select any city , confirm the email . We enter the Perfect Money website , make sure that everything works and we have wallets .

We copy the number of the required account ( U*** – dollar account), replenish it through any terminal. Now go to the website Bestchange.ru , select PerfectMoney USD the left , BTC in the right column . The white table on the right shows popular exchangers in ascending order of rate; the higher the exchanger is in the list, the more profitable it is to exchange on it. You can read the instructions for working with Bestchange monitoring to learn interesting things about working with this site.

For example, I chose Marketcoin.io. To buy bitcoins, you need to enter your PerfectMoney account , BTC address and email . The service will send a payment receipt by email and will no use it. I chose the service at random , since the rate is constantly changing, and greedy exchangers at the end of the list may offer the most favorable rate tomorrow So always look at the top of the Bestchange list!

You don't have to use PerfectMoney. I chose this system because an account can be registered under fictitious name and address , and verification is not required . For residents of Ukraine WebMoney is suitable ; registration is carried out by phone number , and SIM cards are sold without reference to a passport .

How to choose a virtual wallet

One of the main criteria in choosing a wallet is the type of currency you will be working with. In Russia, preference is given to YuMoney (formerly Yandex.Money), Webmoney, Qiwi. And the Payeer electronic account is no less popular. At the same time, it allows you to work with multicurrency.

For the circulation of foreign money, choose Advcash, PayPal, ePayments, Skrill.

The next selection criterion is important for those who know what Bitcoin is. Simply put, it trades cryptocurrency. This electronic tool is implemented in the Payeer, Advcash, Skril, Perfect Money systems.

Which wallet to choose is also influenced by the speed of transactions, a convenient and understandable interface, the availability of operational support, the size of the commission for transfers, the possibility of issuing a card for the account, etc.

To objectively evaluate the capabilities of each payment service, use special sites with reviews, such as Otzovik. You will definitely find information about the advantages of each wallet there. And most importantly, you will be able to get acquainted with all the problems that arise with a particular payment service. After all, the audience shares negative impressions more actively than positive emotions.

Commission

We compare the commission that must be paid for anonymous and non-anonymous purchase of bitcoins.

Non-anonymous purchase of bitcoins through an exchanger

We take 1000 rubles and top up our Sberbank card. Through Bestchange we are looking for the best option for replenishment, at the moment it is MarketCoin. For 1000 rubles they sold me 0.00172945 BTC, which is equal to 960 rubles. The final commission is 4% .

Anonymous purchase via terminal and e-wallet

We take 1000 rubles , top up PerfectMoney through the terminal, we get 17.35 USD, in ruble equivalent - 971 rubles. Commission - 2.9% for replenishment through the terminal. Now we exchange PerfectMoney USD for bitcoins, for 17.35 we get 0.001623 BTC, which is equal to 903 rubles. The final commission is 9.7% .

Non-anonymous purchase on the exchange

The third option is to buy Bitcoin on a special exchange , and not through an exchanger. I will consider several popular exchanges . Please note : some exchanges allow you to buy , but do not store your coins. A separate wallet is required for storage ; more information can be found in the article on how to register a Bitcoin wallet.

Exmo

We top up the account through OKPAY, the commission is 3% . 1000 rubles turns into 970 rubles, which can be exchanged for 0.0017711 BTC, in ruble equivalent we get 985 rubles. The increase in the amount can be explained by the exchange rate used by the EXMO exchange . It is likely that the rate will change tomorrow and the commission will increase, but now it is 1.5% .

Yobit.net

Depositing rubles through QIWI, Payeer and Capitalist - no commission. The zero commission is compensated by the high average rate - for 1000 rubles you can buy 0.0017346 BTC. We received coins worth 965 rubles, which gives a commission of 3.5% . Link to the exchange .

Binance

During registration, they remind you several times that you cannot open personal data , call or transfer money to people who call themselves Binance technical support . The exchange supports deposits only in cryptocurrencies , the equivalent of the dollar is USDT. There is no commission for replenishment , it depends only on the exchanger where you will buy bitcoins.

Yandex Wallet identification

Now let's look at the capabilities of the created wallet. You can find out the status of your wallet by clicking on the account number in the upper right corner of the page.

Immediately after creating the wallet, it will be Anonymous.

There are three statuses in total:

1. Anonymous;
2. Nominal;
3. Identified.

Each status provides additional opportunities to work with the wallet. Let's look at the advantages of statuses and how to get the status of a registered wallet, and then the status of an identified wallet.

Anonymous

It's called that because nothing is known about you. Therefore, the limit for working with money is limited:

• store in a wallet – up to 15,000 rubles;
• You can pay from your wallet for payments up to 15,000 rubles, the same limit with a linked card from third-party banks. Yandex has such an opportunity, link a third-party bank card, pay it using Yandex Money.
• There is a limit on withdrawals of up to 5,000 rubles using a Yandex Money card.

Other options are limited; to unlock, you need to upgrade your wallet status.

Nominal

To obtain the status of a personal wallet, you must fill out an online form on the website. For this you need a Russian passport and a second document, this could be SNILS, TIN, compulsory medical insurance policy.

We fill in all the fields marked with a red asterisk, namely last name, first name, patronymic, date of birth, series and number of passport, date of issue, and number of the second document of choice, click Save data.

If you have a non-Russian passport, you are asked to go through identification immediately. Is there no second document either? Then click the I don’t have this button and the field will disappear.

Without a passport, you cannot obtain the status of a personalized wallet.

The form can be filled out through the State Services Portal, but the account must be verified. This check is very fast. According to your passport, it can take up to three days, in fact it can take a couple of hours.

After receiving this status, basic opportunities open up and they should be enough for basic work with the wallet. The main thing is that you can already make transfers to another wallet and make payments all over the world. Limit – 60,000₽.

Identified

The last and highest status, to obtain it you must go through identification.

There are several ways to complete identification:

• Sberbank;
• Yandex Money offices;
• communication salons Svyaznoy and Euroset;
• at Unistream points;
• by mail.

Through Sberbank

You must have a Sberbank card and activate the Mobile Bank service; identification takes place on the website and is free.

The conditions for passing are as follows:

• Russian citizen;
• must have a bank card and at least 10 rubles on it;
• the phone number must be linked only to your cards (it is not possible, for example, when your number is also linked to the card of another bank client);
• The created wallet is linked to the same number as the mobile bank.

The conditions are suitable, then feel free to send a request. This method allows you not to go anywhere in person.

Yandex Money offices

Unlike the first method, here you will need to personally take the documents, wait until the documents are accepted and filled out, and then confirm the correctness of the data on the website. This method is suitable for those who are in Moscow, St. Petersburg, Nizhny Novgorod, Yekaterinburg, Novosibirsk. On the Yandex website there are addresses and instructions.

Suitable for citizens of the Russian Federation.

Svyaznoy and Euroset salons

We take a passport, Yandex Money wallet number and go to any nearest Svyaznoy or Euroset communication store, at the checkout we talk about passing identification, such a service costs 300 rubles. Ready. Upon return, we confirm the data and receive the coveted status.

Withdrawal from wallets

I am often asked how to withdraw existing money? If you need to exchange bitcoins for fiat money, the easiest way is to use the services of an exchange or wallet where you keep your bitcoins. Most exchanges support direct transfers to bank cards ; the withdrawal commission will be 1-3% . If the exchange does not support direct withdrawal (Binance), you will have to use additional wallet or exchanger .

To choose the best exchanger, go to Bestchange select BTC in the left , and the currency and payment system we need the right The commission for withdrawal will be the same as for input, around 3-8% . You can find a direct transfer of money to a card indicate your full name there .

Some services offer to issue a plastic or virtual card linked to a Bitcoin wallet . Convenient - you can pay in stores , transfer money to another card or withdraw from any ATM . When completing the transaction, bitcoins will be automatically converted into dollars. The downside is are limited if you have not verified your identity. For example, services set a limit on online purchases , transfer amounts , withdrawals , or a general limit on funds on the card. Read which debit card is best to get to learn about all the nuances.

Restrictions with anonymous status

The anonymous status of the account imposes certain restrictions on it:

• it is allowed to store an amount not exceeding 15,000 rubles (all financial transactions are limited to the same amount);
• anonymous transfers of funds to plastic cards or wallets of other residents of the system are prohibited;
• you cannot receive a transfer from another Yandex.Money participant;
• a card linked to an anonymous wallet abroad is invalid.

To remove restrictions and expand the functionality of the service, you need to change the status to identified or personal.

Identified wallet

Bank or e-wallet?

If you registered anonymous wallet without confirming your identity, most often you will not be able to withdraw money to the card directly; you will have to use the services of exchangers. If you withdraw money from a BTC account to a bank card a connection appears between your card and wallet. If privacy is really important , it is worth withdrawing bitcoins to an anonymous electronic account, and from there through an exchanger to a card. For these operations about 10% of the commission will be charged, but no one will be able to find out how the money ended up in the anonymous account and why the transfer of money ended up on your card.

Which electronic payment systems do not require identity verification?

It's worth starting with cryptocurrencies. They are not regulated by any government agency in any country in the world. Therefore, absolutely anyone can register and use such an anonymous electronic money wallet. The most popular cryptocurrencies today: Bitcoin (BTC), Ethereum (ETC), Ripple.

Most exchanges work with them; cashing out “coins” will not be a problem. The only risk: when making large transactions, there is a possibility that the tax authorities will be interested in the transfers.

Where is the best place to buy bitcoins?

Popular payment systems maintain anonymity and do not oblige users to disclose personal data. They allow you to buy bitcoins and store them on an internal wallet, or immediately send them to an external one.

Payeer

To register, you must enter your email and confirm it. top up using any bank card or electronic payment . Rubles or dollars in your account can be exchanged for bitcoins within the payment system; there is a separate tab for this. Other users sell bitcoins and set the price themselves, and you can buy them. Commission for replenishment is 0% , for withdrawal - 3-5% .

Pros: works anonymously and quickly. You can change bitcoins as needed and pay with them online. You can issue a plastic card.

Cons: not the most intuitive interface, a lot of useful information is not available in your personal account, you can only find it through Google.

Advcash

To register, you need to indicate your first name , last name and email ; after registration, you do not need to confirm your email. Without proof of identity, you can top up only through some payment systems, but not by card . It’s nice that the commission for replenishment is immediately indicated. Bitcoins can only be purchased using an external wallet. withdraw money to electronic wallets or to a bank card, but you must indicate the recipient's phone number.

Pros : you don’t need to confirm personal data to work, the system works quickly.

Cons : no Bitcoin wallet, withdrawal to a card without a name - only for cards of Russian banks .

Epayments

Registration by mail or phone number, but to work with the service you must provide personal information and confirm it with photographs of documents. Since we want anonymity, this payment system will not suit us.

Pros : security , you can issue a bank card.

Cons : mandatory verification using documents, no separate wallet for BTC.

MyEtherWallet

Automatic Ethereum interface . _ It immediately offers to generate a wallet, you just need to come up with a password for decryption. The site immediately warns that MyEtherWallet is not a wallet , but an interface for accessing the wallet. You can load the wallet file from a drive or a hard wallet like Trezor, gain access using a mnemonic phrase or key . To receive anonymous bitcoins, you must first top up your wallet with Ether , and then exchange it for bitcoins , which will go to the wallet you specified. It’s not very convenient, but it’s completely anonymous—you don’t need email or a phone to access the site.

Pros: complete anonymity , user-friendly interface.

Cons: the site is aimed at people who are familiar with the structure of cryptocurrencies.

Blockchain.info

Registration by mail , no need to provide personal information. phone authentication . buy bitcoins - it's just a secure wallet for sending transactions. Blockchain.info can be used in conjunction with Epayments or another system where BTC can be purchased but cannot be stored .

Pros : anonymity , speed and ease of use.

Cons : you cannot buy BTC directly , you cannot upload a wallet file to work with another service.

Digital Wallet Applications

Choosing a platform is an extremely difficult task, and there is no single correct solution. If you or your business need specific help, please contact the experts of the International Wealth portal to discuss the details of cooperation (best of all - as part of an individual consultation). Listed below are services that provide software support for e-wallet and its interaction with the end user. Let us note that electronic wallets should not limit the user in choosing a work format that is convenient for him.

PayPal

• The service was launched in 1998.
• 25 currencies supported.
• Increased level of security.
• Transactions are not anonymous - they can be tracked.

Google Pay

• The service was launched in 2015.
• Fast API integration.
• All procedures are simplified as much as possible.
• Easy linking of bank cards.
• Reliable encryption of confidential information.

The best e-wallet in 2022
for users who use Android smartphones.

Amazon Pay

• Maximum level of security.
• There are applications for major mobile platforms.
• Work through a browser is allowed.
• Integration with Alexa is possible.
• It is possible to split payments between users.

Apple Pay

• For devices manufactured by Apple only.
• Integration with Siri.
• Voice command support.
• There is no option to save bank card data.

The best e-wallet in 2022
for the American market.

AliPay

• The most common e-wallet (due to its connection to China).
• Reliable encryption.
• Full refund in case of theft or fraud.
• Allows cryptocurrency transactions.

An example of buying anonymous bitcoins

For example, I will buy bitcoins through the AdvCash service, about which I have already written a review. First, I go to the Bestchange , select a bank in the left column AdvCash in the right column . Anonymity will be very low , since on most exchangers you will be asked to indicate your full name , which must match the full name of the card holder. I had to do some digging, but I found a site that does not ask for personal information, but immediately sends confirmation of the application to your personal account.

I confirmed the request to transfer money, and a few minutes a dollar appeared on AdvCash. You cannot buy BTC on AdvCash , only a fork of BitcoinCash. Therefore, we transfer the already anonymous dollar to the EXMO . Why is money credited to EXMO in Ukrainian hryvnia? Because AdvCash monitors your location , and I used a Ukrainian IP . Instead of crediting money, I was given EX-CODE , which must be entered in the EXMO wallet.

Go to EXMO, go to your wallet and scroll to the very bottom . There , click on the “Top up” opposite EX-CODE. We enter the code , confirm - we receive money .

Now in the “Exchange” tab we change hryvnia to bitcoins. We make sure that bitcoins .

For greater security and anonymity, these bitcoins can be withdrawn to a third-party wallet , for example, on Blockchain.info. To do this, go to the wallet , look for the Request , and copy address . EXMO website bitcoins in your wallet , click the “Withdraw” button , enter the amount and insert address . Unfortunately, my test transfer cannot be confirmed, since the minimum withdrawal amount is 0.01 BTC.

The bitcoins received in this way are anonymous and do not indicate you or your card. My hryvnia went through the exchanger, AdvCash, transfer to EXMO, EXMO exchanger and went to the clean wallet Blockchain.info - only 5 intermediaries . The maximum that can be found out about bitcoins on Blockchain.info is that they were transferred from EXMO. Who, to whom and why they transferred them will remain a mystery.

Commissions : 0.00009487 BTC equals 27.38 hryvnia at today's rate. On the commission of 5 intermediaries, I lost 2.62 hryvnia or 8.7% of the total amount.

How to determine what status a wallet currently has

Before you start receiving a certificate, I’ll first explain how to find out whether Yandex Wallet has been identified. To do this you need:

• log into Yandex.Money under your name;
• click on the checkmark in the upper right corner, next to the avatar;

• A tab will open with information about the status of the wallet.

You can also find out about the status by following the link.

Rules for safe work with wallets

1. Write down passwords on paper , even if you are sure of your memory.
2. Do not use names , dates , pet names , or any information related to you your . Ideally, the password should be rambling string of letters and numbers .
3. Forget about password managers . A tech-savvy person will extract the necessary files from your computer or phone in a few minutes.
4. Use only proven and popular services for purchasing, exchanging and storing cryptocurrencies.
5. Don't brag about your cryptocurrency savings Social engineering is used in 4 out of 5 wallet hacking cases.

Topping up an anonymous Yandex wallet

Unlike withdrawal of funds, the anonymity of the payment instrument does not impose any special restrictions if you want to top up your balance. Transferring money to service clients is available in the following ways:

• self-service devices;
• through a bank plastic card;
• use of Internet banking;
• withdrawal from mobile phone balance.

conclusions

make good money on the Bitcoin exchange rate , but the uncertain legal status can lead to problems with the law. To save money , you need to take care of your anonymity . A list of safe exchangers can be found on Bestchange.

• The safest way anonymously top up : with cash through the terminal , buy cryptocurrency from the wallet on the exchange and send it to a clean wallet for storage.
• The safest way of non-anonymous replenishment: choose a popular service with the ability to purchase and store bitcoins, top up your account with a bank card and buy cryptocurrency.
• How to transfer money to a card : sell coins on the exchange , withdraw money to a wallet or bank card .
• Anonymous and secure withdrawal of bitcoins : sell coins through an exchanger , withdraw money to a clean electronic account , send money through an exchanger to a card .

That's all for today. Leave your non-anonymous comments, share your opinions and experiences, and distribute the article on social networks. See you again!

If you find an error in the text, please select a piece of text and press Ctrl+Enter. Thanks for helping my blog get better!

How to deposit and withdraw money?

1. Bank card, the most affordable and popular option;
2. Cash replenishment in communication stores (MTS, Svyaznoy) or terminals, but only for identified users;
3. From a mobile account;
4. By bank transfer or online banking;
5. From an ATM;
6. From electronic wallets of other payment systems.

You can withdraw funds using the same methods, with the exception of terminals that do not issue cash. But exactly how you can deposit and withdraw money depends on the chosen payment system.

Incognito mode with Qiwi Visa Plastic card

This card is a convenient tool for cashing out money. You can also use it to pay by bank transfer both in Russia and abroad. In this case, the amount on the card and virtual wallet is considered the same. Qiwi Visa Plastic has a built-in chip for one-touch payment. Moreover, even an anonymous Qiwi transfer can be made using the innovative Pay Wave technology. The card order is carried out in your personal account. The validity period of this financial instrument is two years.

As for the price of the card, it largely depends on the functionality of the product. If Qiwi Visa Plastic has a chip built in, it will cost an order of magnitude more. The delivery method also affects the cost. Depending on the client’s wishes, the service can send the card by mail or deliver it by courier. Also, at partner outlets, anyone can purchase “plastic” from Qiwi.

The cost varies and directly depends on the chosen tool (whether it is equipped with a chip or not), as well as the delivery option. The product can be sent by postal or courier service, or purchased at a retail partner showroom.

QVP benefits include:

• Free service.
• Make secure purchases in real time.
• Deposit funds through terminals, ATMs, partner offices or Internet banking.
• Anonymous Qiwi transfer at ATMs located anywhere in the world.
• Manage card functions: block, view transaction history and change PIN code.

According to the Qiwi offer, the user has the right to register 5 digital wallets, therefore, it is possible to issue the same number of QVP cards. Thus, if a freelancer earns a large amount, he can divide it into five different accounts, and subsequently withdraw them in parts to Qiwi Visa Plastic. Tax authorities are unlikely to be interested in the minimum turnover of funds in a participant’s wallet or when withdrawing money through an ATM. By the way, when you apply for a Qiwi VisaPlastic card, there are restrictions on cash withdrawals: 5 thousand rubles daily and 40 thousand rubles monthly.

Now it’s clear how to anonymously withdraw money from a Qiwi wallet. The anonymous account type is suitable for beginning freelancers and people with below average income. Cashing out funds in incognito mode exempts the user from paying taxes. However, this does not apply to the commission fee of the payment system when withdrawing cash.

How to keep your identity secret and at the same time expand the limits in your Qiwi wallet? This is difficult to do, but possible. Let's talk about ways to anonymously withdraw funds.

To start using Qiwi wallet, there is no need to provide personal information. All you need is a verified phone number. A plastic card is ordered for the anonymous wallet, which is linked to his account. However, to receive it, you are required to indicate the recipient’s full name, which is subsequently verified by payment system employees. Plus, unidentified wallet owners cannot withdraw more than 5,000 rubles per day and 40,000 per month.