Perfect Money (Perfect Money): registering a wallet on the official website, logging into your personal account, depositing and withdrawing money

Perfect Money is a payment system with which you can carry out monetary transactions on the Internet with maximum confidentiality, without disclosing personal information. Registration on the Perfect Money website is simple and takes a few minutes, after which a wallet will be available in 4 currencies: US dollar, euro, gold, Bitcoin. The company has been operating for more than 10 years and has earned the trust of users. In addition, it charges 4% per annum on the account balance (similar to a bank deposit).

The official website of Perfect Money is perfectmoney.is.

Go to the Perfect Money website

Using the Perfect Money wallet, you can anonymously accept and send payments, receive money for the provision of services, pay wherever PM is accepted, and exchange for other payment systems in exchangers.

Create a wallet

How to deposit and withdraw money from Perfect Money

To withdraw or deposit money to your Perfect Money account, you can use another payment system, AdvCash.
Official website – advcash.com. You can transfer money to Advcash from your Perfect Money wallet and withdraw it in a convenient way to a Visa, MasterCard card of any bank in the world or in cash; convert to cryptocurrency (Bitcoin, Ethereum); pay for the phone (Russian operators); exchange for electronic payment systems (Yandex.Money, Qiwi, Payeer, etc.). Conversely, you can top up your AdvCash account and transfer money to PerfectMoney by selecting the “Transfer Funds” section of the website. Similar service: Payeer payment system. buy, exchange, and withdraw Perfect Money (PM) profitably using online exchangers.
A list of reliable and proven services for exchanging electronic money Perfect Money, which we personally use: Prostocash, Kassa, Nicechange, Magnetic Exchange, Xchange, 24paybank, Ramon Cash, Platov, Baksman, 60cek and others. You need to select the direction (indicate the currency that is given and received (Perfect Money USD or EUR), the amount and enter the necessary information. For example, buy Perfect Money for Sberbank rubles:

If you have any questions or to increase your reserve, you must contact the online support of the exchanger.

Analogs

Today there are quite a lot of resources on the Internet that offer payment services. Among them:

• Yandex money . A resource that is one of the most convenient for Russian citizens. The site offers the opportunity to transfer money in a variety of ways. Read a detailed review of Yandex Money.
• Payeer . Provides money transfers all over the world. Users have the opportunity to withdraw money to a bank card or exchange it at a favorable rate in exchangers. Read a detailed review of Peer.
• AdvCash . A relatively young payment system that appeared online in 2014. The main feature is the absence of commission on internal transfers. It is possible to withdraw to a bank card and other alternative payment systems. Read a detailed review of Adv Cash.
• WebMoney
  . An international resource that offers a wide range of services to its users. There are various methods for withdrawing and transferring funds. Read a detailed review of WebMoney.
• Privat24 . Internet banking of the Ukrainian bank PrivatBank. There is a service for accumulating money from each transaction, as well as bonuses for purchases in certain stores. Read a detailed review of Privat24.

You can find out more about similar sites on our website.

Registration in Perfect Money

As written above, the Perfect Money website is perfectmoney.is. Available in 23 languages, including Russian and Ukrainian.

To register with Perfect Money you need to go to the website.

After this, a form to fill out will appear:

Enter here:

• account name (any);
• last name, first name, patronymic (if verification is needed in the future, it is better to write real data);
• address data;
• email;
• account type (personal or business);
• password.

Be sure to read the “User Agreement” and the terms of use of Perfect Money, which you must agree to in order to complete the registration procedure. This is necessary to know your rights and responsibilities.

After registration, you will receive an email with an ID code, which you must enter in the “Login” field when entering the Perfect Money website.

Citizens from all countries, including Russia, Ukraine, Belarus, and Kazakhstan, can register. Exception: US residents. Perfect Money account maintenance is free.

Account deletion is possible at any time after notifying the administration. The reinstatement fee is $100.

Every month, 4% per annum is charged on the balance, so you can use Perfect Money as a company to invest your savings.

Bottom line

Perfect Money is a fairly old payment system that has already been able to prove its solvency. It has both positive and negative aspects.

Perhaps the resource lacks a more updated interface. And also many users would be happy if the resource administration decided to reduce the commission. If we do not take these points into account, then, probably, the Perfect Money electronic system could be called a market leader.

Things like the affiliate program and annual percentage make the resource unique. In addition, users will also be pleased with the security system and the ability to carry out some operations without verification.

If you want to not only use a payment resource for transfers and other operations, but also earn money, then feel free to register. Was the information useful to you? Then don't forget to leave comments. See you again!

Review of the Perfect Money site

As we can see from the picture below, half of the visits to the Perfect Money website (perfectmoney.is) come from Russia – 51%, Ukraine – 10%, and the rest from other countries. We can conclude that, regionally, the payment system is popular in Eastern Europe and Asia.

Legal information. Perfect Money company arose in 2006 under the leadership of Andrew Draper (CEO) and Erich Hans (CTO). After selecting and analyzing the legal aspects of the legislation of various countries, they settled on registration in Panama.

For information: Panama is a country with offshore jurisdiction and low taxation. Registration costs little money - from 1 thousand dollars. Among the features: no authorized capital required; the company is not required to file any reports (if operating outside Panama); there are no conditions and requirements for accounting; 3 employees, 3 directors, 1 auctioneer required; ban on banking and insurance activities.

After searching the Internet, I managed to find some information about Perfect Money on the registrar’s website:

As you can see, the company was registered in 2008. License No. 1267339-1-596918-2008-105548, issued by the Financial Supervision Commission of Panama. Full legal name: Perfect Money Finance Corp. Can carry out the following activities:

• Purchase, sale of goods (factoring).
• Purchase, wholesale trade of precious metals (gold, silver, platinum) on the Internet.
• Accepting payments to third parties on the Internet.

It is known that the main office is located in Zurich.

According to Panamanian law, client accounts can only be blocked by decision of a Panamanian court. Perfect Money itself is loyal and does not block accounts without serious reasons, which makes it the most confidential and safe in this regard. There is no fear that the data will become known to a third party. For this reason, along with law-abiding clients, the services of the Perfect Money company are used to launder money obtained illegally.

In 2013, a merger took place with Startup Research & Investments, registered in Belize, which acts as a management company, and PerfectMoney Finance Corp. – operating room.

Login to your Perfect Money personal account

Login to your personal account is carried out by entering the ID, the number of which was sent to your email, and the password:

For security purposes, you need to enter a PIN code, which will be sent to the email specified during registration:

Registration with Perfect Money is simple and takes minimal time. If everything is done correctly, then after going through the “Account” item on the main page, your account will open:

From it you can perform all operations available in the system:

• deposit and withdrawal of funds,
• internal translation,
• exchange,
• changing profile information,
• passing verification,
• changing security settings,
• viewing transaction history and more.

The system offers three statuses to registered users:

• Normal. Provided immediately after registration, it gives the right to use all services without restrictions.
• Premium. Provided after 1 year after opening an account or in case of large operational (cash) turnover. We advise you to register now if you plan to use the Perfect Money payment system constantly, as this affects the commissions when performing a transaction. This status is assigned to users with funds in their account of more than 50 thousand dollars and registered for more than three months.
• Partner. It is unrealistic for ordinary users to obtain this status if they do not intend to build a business relationship with the company. It is received mainly by partner exchangers.

In addition to status, the system assigns a Trust Score rating, which depends on many factors:

• the amount and number of accounts when performing transactions;
• reviews and complaints from other users;
• account age.

This indicator will change depending on the activity when using the system. Immediately after registration, the Trust Score is zero.

User Types

In the Perfect Money payment system, all users are divided into three types:

• The first one is Normal. The user receives this status immediately after registration.
• The second one is Premium. Available to those users who registered a year ago or topped up their account with 50 thousand euros or more.
• The third one is Partner. The site administration can assign this status only to some users who have merit to the service.

The system also has a certain rating called Trust Score. For activity on the site, users will receive certain points. After registration, the rating is equal to the number 0.

Registering a Perfect Money wallet

To register with Perfect Money, you need to go to perfectmoney.is and fill out the form. A Perfect Money account can be opened in the following currencies:

1. US dollar (USD). The Perfect Money wallet is designated U12345678. The maximum number of wallets is 3.
2. Euro (EUR). Designation – E12345678. They can be opened 3.
3. Gold – G12345678. Maximum – 2 accounts.
4. Bitcoin (BTC) – B12345678.

Each wallet is assigned a number consisting of the first letter of the currency code and 8 digits. After registration, 3 accounts are automatically created (in dollars, euros and gold), but you can always add additional ones:

Deposit and withdrawal

There are currently four options for external transactions in the Perfect Money system:

• Bank transfer is only available to users with a verified account. You can deposit and withdraw funds from any Perfect Money wallet (except Bitcoin). A very inconvenient method: to implement it, you first need to fill out a special form and send it to the Certified PM Exchange Office of the user’s choice. Within 24 hours, a letter will be sent to your email containing bank details for making the transfer. After this, crediting funds may take up to 5 days. Perfect Money does not charge a commission for depositing money, but exchangers and banks may take a certain percentage from each transaction. The cost of withdrawing funds is from 2.85% of the transfer amount;
• Cash deposits are carried out with the help of third-party organizations that deal with international money transfers, through special exchangers. It is also a very long procedure: you need to request an order for crediting funds from the Perfect Money PS itself, and then transfer cash to the exchanger’s account through a money transfer system (for example, Western Union). After processing the application, the funds will appear in the account in PM. The whole procedure takes several days. Each exchanger sets its own minimum deposit threshold, but in any case it will not be lower than $2000. Fees for transferring payments also differ between services;
• Depositing through partner exchangers is much easier and faster. In addition, the list of available services includes more than 250 exchangers from different countries. The user can choose the most convenient option for himself, based on the availability of the necessary exchange options, the size of the commission (which varies from one exchanger to another) and other factors. Some services also offer cash delivery by courier when withdrawing money from Perfect Money;
• Depositing funds in the Bitcoin cryptocurrency is made by crediting the required amount to the wallet, the number of which will be provided after filling out the application for replenishment. There is no commission for input, but for withdrawal you will have to pay 0.5% of the transaction amount.

Internal money transfer Perfect

Perfect Money allows internal transfers between user accounts, which is convenient if you need to pay for a service or transfer money to someone who is registered there.

You can create a list of recipients. The minimum transfer amount is 0.01 dollar or euro. If the payment is from a Gold account, then the equivalent is 10 dollars.

Commission for Premium account and verified users – 0.5%; for unverified – 1.99%. The transfer amount with commission can be viewed by clicking “Preview”.

affiliate program

Perfect Money makes it possible to earn money not only by accepting payments for services, but also by attracting users to the payment system itself. For this purpose, there is an affiliate program that allows you to receive bonuses for attracted clients.

Bonus money is credited to your account every month. Their amount depends not only on the number of users registered using the referral link, but also on the amount of money in their accounts. More precisely, the system pays 1% of the minimum amount in the account of the attracted client for the previous month.

It will be easier if these conditions are analyzed with an example. Let's assume that 2 new clients have registered using the referral link. One of them had a minimum account balance of $1,000, the other - $2,000. The user who attracted them will receive $10,00 * 1% = $10 for the first referral and $2,000 * 1% = $20 for the second at the beginning of the next month. Total - $30. It would seem that this is not such a large amount, but you can attract many more users.

Internal exchange Perfect Money

You can exchange the currency of one account to another, for example, transfer from a wallet in dollars to a wallet in euros. At the same time, you can make money on the difference in rates by selling at a higher price and buying at a lower price. You can go to the exchange from your Perfect Money personal account by clicking “Exchange” at the top:

A corresponding form with internal courses will appear. Who supplies them (bank, financial institution) is unknown. You only need to indicate the direction and amount.

The minimum transfer amount is 1 dollar or euro.

The company invites you to familiarize yourself with the situation on the financial market in English in the “Analytics” menu.

Account is blocked. What to do?

If you enter your login PIN code or code card password incorrectly several times in a row, your account will be automatically blocked. When you try to log in, it will be written: “Account is temporary blocked. Please check your email for message with reason(s).” In this case, you may not receive anything by mail (I didn’t).

Don’t be alarmed, you don’t need to do anything - this is a temporary block and it will go away after about 10 hours. After this, you will be able to log into your wallet and use it.

In the application you need to indicate a minimum of data, only those that are needed for the exchange (direction, amounts, e-mail, RM wallet number). Most of these resources do not require users to go through the registration procedure. Clients usually receive instructions for sending funds via email. The Yandex-Perfect exchange procedure is not complicated; every beginner can figure it out without any problems, the first time.

Depositing money on Perfect Money

There are few ways to top up Perfect Money directly:

• exchangers,
• bank transfer,
• cryptocurrency Bitcoin.

But exchangers save the situation, with the help of which you can exchange almost any payment system for electronic money Perfect Money (PM).

For example, fast, simple and reliable exchanger Prostocash. Exchanger website – Prostocash.com. With its help, you can top up your Perfect Money account from cards of Sberbank, Alfa Bank, Qiwi, Yandex.Money and many other directions.

You must select exchange currencies, amounts and enter data:

The operation lasts 5–10 minutes, after which the Perfect Money account will be replenished.

All existing methods of depositing funds presented on the site:

We will describe each method presented on the payment system website.

• Deposit to Perfect Money wallet by international bank transfer. The minimum amount to deposit is 300 dollars (euro, etc.). If the amount is less, then you need to resort to exchange partners.

The system commission is 0%, but banks can charge their fee for the operation. Money arrives within 3–5 days. It is necessary to go through the account verification procedure, create a deposit order by filling out the form, a sample of which is presented below, according to the instructions given on the website. After this, transfer money to the specified details that will appear after filling out the form, indicating the internal order number in the note:

• Replenishment using e-Voucher. This is a code with which you can top up any account in the system. It can be sent for the provision of services or payment for goods.

You can create it yourself and transfer it to any Perfect Money user with whom you need to pay:

• Replenishment through exchange offices. The most important way to deposit money into your wallet in Perfect Money. By going to the page, you can see all partner exchangers. With their help, it is easy to exchange any payment system for PM, enter funds from Visa or MasterCard plastic bank cards, etc. They charge a commission for completed transactions.

An example of exchangers through which you can exchange electronic payment systems for Perfect Money: Prostocash;

There is an exchange and subsequent input to Perfect Money:

• from Yandex.Money,
• Kiwi (Qiwi),
• Paypal
• AdvCash,
• Sberbank,
• Alfa Bank,
• Privat24,
• Visa or MasterCard bank cards in rubles, hryvnias, dollars, euros,
• Skrill wallet;
• WebMoney.

Reviews

Considering that Perfect Money has existed for more than 10 years, there are, accordingly, enough reviews on the Internet about its work.

There are reviews in which many are not satisfied with the service and support of the site.

There are those who appreciated Perfect.

As you can see, this site has both positive and negative aspects.

Among the advantages are the following:

• Possibility of payment for services and goods.
• There is an opportunity to earn money.
• Making all kinds of bank payments.
• It is possible to create automatic payments.
• The ability to pay for goods and services on international Internet platforms.
• In addition to standard banknotes, there is an opportunity to purchase gold.

A significant disadvantage of Perfect Money is the irreversibility of operations. If you make a payment to a wallet number with an error, you will not be able to cancel the transaction.

In addition, users are often dissatisfied with the following points:

• Lack of ruble and other currency accounts.
• Low popularity of the service in the CIS market.
• A high fee in case of restoration of access to the account if the password was lost.

Withdrawing Perfect Money from your wallet

using the AdvCash payment system to withdraw money from your Perfect Money account

By registering in it and transferring money from your Perfect Money account, you can then withdraw it using any available methods: transfer PM money to your bank card or order a card from AdvCash on the website (costs only $5) and withdraw funds from any ATM anonymously; withdraw to cryptocurrency (Bitcoin, Ethereum, Bitcoin Cash) or exchange for another electronic currency. Transfer from Perfect Money to AdvCash is carried out directly without commission and without the help of exchangers.

We also recommend using reliable exchangers to withdraw Perfect Money. With their help, you can withdraw Perfect Money to rubles, to a Visa and MasterCard card, and to other electronic currencies. For example, withdrawing PM to a Sberbank card in Russian rubles:

On the official website itself there are few ways to withdraw money from Perfect Money, namely:

• Bank transaction,
• using an e-Voucher,
• to electronic money and other payment systems using partner exchangers,
• exchange for Bitcoin,
• through the credit exchange.

There is no direct withdrawal to Visa or MasterCard bank cards, but you can use a transfer to the AdvCash payment system: advcash.com, which was mentioned above.

• Withdrawal by bank transfer (SWIFT). The service is available only to verified users. You must fill in the details of a bank account opened in your own name. The website contains detailed instructions for filling out this form. Commission – 1.5%, plus bank commission. Money is credited within 3–5 days. There are no restrictions on the maximum amount.
• Transfer to an e-Voucher and pay for services and goods provided.
• Using a credit exchange, lending funds or borrowing them from another user.

• Exchange Perfect Money for Bitcoin. Withdrawal commission – 2.5%. The minimum exchange amount is 0.01 BTC.

To do this, you need to create an application by selecting a wallet, Bitcoin address and amount:

• Withdrawing Perfect Money through exchangers. Allows you to exchange and transfer funds to other payment systems, such as Qiwi, ePayments, Neteller, Yandex Money or to bank cards.

You can withdraw Perfect Money through exchangers:

• on Yandex.Money,
• Qiwi,
• WebMoney,
• Sberbank,
• VTB 24,
• Alfa Bank,
• Russian Standard Bank,
• Privat 24,
• Payeer
• Okpay,
• Bitcoin,
• bank plastic cards Visa or MasterCard.

Perfect Money does not issue its own plastic cards, so you can use the AdvCash card to withdraw and withdraw your earned money online at any ATM in the world. We use it ourselves, learn more about the AdvCash card.

The history of all operations in Perfect Money can be seen in the corresponding menu:

There is a filter by transaction period, selection of completed actions, and the ability to download transaction history.

Safety

Each electronic payment system takes care of its security. Theft is a common occurrence in payment systems. Attackers quite often carry out their frauds using viruses. Malicious programs steal passwords from your accounts, after which all money disappears from your accounts.

That is why it is better to take this point seriously. Perfect Money has three types of user protection.

In order to configure security, you need to click “Change security settings”.

Perfect Money offers settings for account protection.

• User authentication . If you want to log in using a different IP address, you will receive an email notification that you are logging into your account.
• SMS authorization . It is possible to set up your account so that when you log in, you receive an SMS message with a confirmation code. But, such an action is paid. For each SMS you will need to pay $0.1.
• Code card . If you decide to activate this type of protection, then for each operation you will need to enter a certain code that the site will provide you with. The code card can be stored on any digital medium.

PM personal account settings

After logging into the site, you need to set up your Perfect Money personal account. You can do the following:

• profile change,
• selection of security parameters,
• setting up notifications,
• setting up information for public access,
• creating subaccounts,
• account verification and much more.

Security settings include:

1. Authentication of the client when entering the site from a different IP, and a PIN code is sent to email.
2. SMS authorization upon login. The service is paid.
3. A code card, when activated, you will need to enter a code to confirm payments.
4. API. Interface for automatic payment acceptance.

Setting up notifications in the Perfect Money system. It is possible to enable SMS notifications (paid) or change the mailbox and select the operations for which notifications will be received:

You can create no more than three subaccounts to provide access to other persons, while selecting a limit for each wallet:

Verification

Perfect Money account verification consists of three stages:

1. name identification, which requires uploading a scanned or filmed copy of an identity document (passport, driver’s license);
2. proof of address, includes sending a copy of the utility bill indicating the name and place of residence;
3. phone verification for comparison with the one specified during registration.

Verification

Like any other payment system, Perfect Money provides for identity verification. This procedure will confirm that you are a real person and are not involved in financial fraud or other activities.

It is worth noting that verification is not a mandatory procedure. But, after you do this, you will be able to access more advanced features. And also the transaction fees will be much lower than before.

In order to carry out the verification process you must have:

• A scanned copy of your passport or driver's license.
• Phone number (required after confirming your passport details).
• A scanned copy of your utility bill as confirmation that you actually live at the specified address.

How to go through the verification process?

In order to go through the verification process and receive additional opportunities from Perfect Money, you must complete the following steps:

• Step 1 . Log in to your personal account.

• Step 2 . Go to the “Settings” section.

• Step 3 . We look for the “Account Verification” section and click “Manage Verification”.

• Step 4 . We upload scanned copies of your passport and a receipt for paying utility bills.

• Step 5 . You must wait until the administration checks your documents. This process takes from 2 to 5 days. Only after the documents have been verified can you begin to verify your phone.