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What is the best way to withdraw money from payment systems?

2016-05-21

What is the best way to withdraw money from payment systems

It is nice to see a tidy sum on your e-wallet. Ideas immediately come to mind on how best to spend it. But in order to get money in your hands, you first need to withdraw them, and this is not always easy, especially if the operation is performed for the first time. Fortunately, each payment system provides detailed instructions for the withdrawal process, following which even an inexperienced user can withdraw money to a bank card or in any other way.

But each client of the payment system sooner or later has a question: what is the best way to withdraw electronic money? After all, there are many ways and you should not limit yourself to the conditions of one system. Everyone is free to choose which services to trust their money. Moreover, the situations are different: someone prefers to withdraw money to a bank card, others use the function of transferring cash, and someone only suits one option - postal transfer. It is quite easy to get confused in all this variety, so then we will try to figure out how best to withdraw money in each individual case.

As you know, competition is the engine of progress. But the user ultimately benefits from the rivalry of payment systems. To attract the attention of potential customers, you have to lower the commission and improve the conditions of the services provided. For example, the Yandex.Money payment system, five years ago, did not work with small online stores, only with services that generated a large turnover of finance. Now, everything has changed dramatically and Yandex.Money is working with everyone. Due to the constant changes in the operating conditions of payment systems, it is rather difficult to choose the best way to withdraw electronic money.

Payment system "WebMoney"

WebMoney has long held the leading position in the Russian electronic money market. At the moment, the system has issued more than 600 thousand certificates. Almost all online stores support the electronic currency "WebMoney". The list of withdrawal methods is really wide, but we will consider only those that are most often used by clients:

    Bank transfer. The system has established a minimum percentage for the operation. In case of withdrawal of money in rubles (WMR), the commission will be 0.8% of the transfer amount. The additional commission is set by the bank accepting the transaction. If you withdraw money in dollars or euros (WMZ and WME), the commission will be 1.5%, plus the banks costs. Money is withdrawn within 24 hours.
    Bank card. Two years ago, in order to withdraw funds to the card, it was necessary to provide its scans, only in this case the payment was made. The card was tied to the account and no one, except its owner, could withdraw money. Now the transfer can be made to any bank card, indicating its number. So what is the best way to withdraw electronic money? In rubles or other currencies? In principle, there is no difference, since a minimum commission percentage is set for all three currencies - 1%. In case of withdrawal of money in rubles, it will take about a day to wait for the transfer, and in foreign currency no more than three.
    Electronic money. Transfer of money from "WebMoney" to another payment system is carried out instantly, and the commission for the transaction is 0.5%.
    Output using terminal. Its fast, reliable and secure. It is enough to log into your account through the terminal, select the appropriate withdrawal method and confirm the operation using your mobile phone. The commission in this case is only 1%. Withdrawals are made instantly.

This is not a complete list of ways to withdraw money using WebMoney, there are many more. But this information is enough to draw a conclusion on how best to withdraw money: to a bank card, by transfer or using a terminal.
 

Withdrawing money from the "Qiwi" payment system

Payment system "Qiwi" also provides its clients with several ways to withdraw money. Lets consider them in more detail:

    Transfer of funds to a current bank account. More than 200 banks support transfers from the Qiwi payment system. All have the same commission - 1.6% of the transfer amount. The difference is only in time (from 10 minutes to a day) and in the restrictions on the maximum amount of withdrawal (from 15 to 250 thousand rubles). If we compare it with the WebMoney payment system, the conditions for withdrawing electronic money are much better there.
    Withdrawing money to a bank card is also not happy with its commission - 2% of the transaction amount and plus 50 rubles.
    Withdrawal of funds with the help of companies providing money transfer services (Anelik, Western Union, Money Send, Contact, Visa Direct and Russian Post). Transfer fee - 2% of the total amount.
    Qiwi Visa Plastic is a plastic analogue of the Qiwi Visa Wallet. This card can be used in all countries of the world to pay for services, buy goods and withdraw funds through ATMs. It is noteworthy that when using the card, there is no commission from "Qiwi".

So, what is the best way to withdraw electronic money using "WebMoney" or "Qiwi"? For an accurate answer, it is necessary to consider another payment system popular in Russia - Yandex.Money.
 

We withdraw money using the Yandex.Money service

The Yandex service started out as a Russian search engine, but over time the capabilities of the popular resource have grown. Additional services have appeared, including the Yandex.Money payment system. Unfortunately, it is noticeably inferior to the services described above. The fact is that for almost all financial operations to withdraw funds, a commission of 3% or more is charged. The Yandex.Money payment system demonstrates how best not to withdraw money, because the percentage for financial transactions is really high in comparison with others.

From the above, we can conclude that the best conditions for withdrawing electronic money are provided by the "WebMoney" payment system. There is only one condition: in order to withdraw money from the system, you need a formal certificate. To receive it, it is enough to send scans of your passport and TIN code to the support service. During the day, you will be given access to all the options of the service.

But the easiest way to withdraw electronic money is our exchanger. The service easily converts your electronic money into money on a Zelenii Bank or Tinkoff bank card.