On this moment There are several online wallets. The registration process with them does not take much time. All you need to do is select a specific service, fill out a form and link your account to your mobile phone number. Thanks to this procedure, you can protect yourself and protect your cash from scammers. You will need to confirm any operation with a code that will come in the form of an SMS message. In addition, logging into the online wallet is carried out using a login and password. If you forget this data, you can also restore it by confirming it via your mobile phone.

The conditions for entry and access to funds differ between services. There are wallets that you can access using a login and password that you come up with yourself, and there are those where the login information is generated automatically by the system and then sent to you to the specified email address or as an SMS message. If desired, the login and password can be changed at any time, however, such an operation can only be performed by someone who has access to secret information and owns mobile number, for which registration was carried out.

You can use the online wallet using both a computer and a mobile phone. In the second case, you will most likely need additional application, which can be downloaded from the official website. This is the so-called “Internet wallet”.

You can study the list of services that can be paid via the Internet when you log into your wallet. You can open several such accounts at the same time.

How to top up your online wallet balance

You can top up your online wallet account in four ways. Firstly, using cash. All similar systems are reflected in the terminals. By selecting the desired service in the list of services and entering your wallet number, you simply insert the bills into a special hole in the terminal, and within a few minutes the funds are credited to your account.

The second method of replenishment is bank cards. This method has its own nuances. The fact is that not all Internet wallets provide the ability to use cards without first “linking” them to an Internet account. It’s worth thinking about this nuance in advance. As a last resort, you can try to use your wallet through the Internet banking service, but to do this you will have to log into your personal account on the bank’s website.

The third method is to transfer funds from another online wallet. This method is also not always feasible. Some services are not available in personal account online wallets, so you need to carefully study the entire list of services. Most often, funds can be transferred between wallets of the same system.

The fourth method is replenishment using a mobile phone. In order to carry out such a procedure, you first need to log into your personal wallet, then select the “mobile top-up” function, select the desired operator from the list and send a request. An SMS message will be sent to your phone confirming the operation. By entering the code in the required line, the money will be automatically debited from your mobile phone account and transferred to your online account.

Please note that some deposit methods come with an additional transfer fee. Most often, this situation occurs when replenishing online wallets using a mobile phone or when transferring from another service.

How to create your own electronic wallet?

You need money so you don't have to think about it.
"Stalker", Strugatsky.

Today, electronic payments are increasingly becoming part of our lives, so having at least one your wallet in electronic payment systems recommended to everyone. At the moment, in Russia there are 3 most popular systems: WebMoney, Yandex.Money and Qiwi. Let's look at the step-by-step procedure for creating wallets in each of them.

§ 1. How to create an electronic wallet in WebMoney?

Visitor review:

During registration, I was asked the question: in what currency to create a wallet and the choice was offered in rubles, dollars, euros and others. I chose in dollars. Maybe, of course, I didn’t understand something, well, I’ll look again tomorrow. Thank you, by the way, for the useful article on the Internet. True, it is very clearly and accessiblely written. I would say you are inspiring, so I decided to try it, I hope something works out

Yulia Balashova.

Process creating a wallet in WebMoney a little more complicated than in other systems: WebMoney has a multi-level certification system with which you can expand the functionality of your account. But first, a simple registration is enough for us. Such an electronic wallet will be enough to perform regular payment transactions, and with additional options you can figure it out yourself later.

1. Go to the website start.webmoney.ru. On the page that opens, you will need to enter your phone number (1) and click on the “Continue” button (2):




2. A page will open with a personal data form (1) that must be specified. Enter your address carefully Email! After this, you can uncheck or leave the checkboxes in items (2) and click on the “Continue” button (3):




3. After this, you will be shown the data you entered again and asked to check it. Check and click Continue again.




4. A letter similar to this will be sent to the specified email address:





5. The registration page looks like this:




6. The next step is to confirm your phone number. Unlike other services, WebMoney does not send you messages. Instead, you send a message to any of the numbers (1) and click the “Continue” button (2). Message text - (3) :




7. In a reply SMS message to your phone, you will receive a code that you must enter in field (1). After that, click the “Continue” button (2):




8. Next, you will see a form for completing the registration of the WebMoney electronic wallet, in which you need to enter personal data (1), create a password for your account (2), and click the “OK” button (3):




9. That's not all. The WM Keeper Mini resource will open in front of you, in which you can create your own electronic wallets:




10. You will see a form for creating wallets, where you need to click on the appropriate place:




11. In the wallet creation form, you indicate the type of currency (1), read the agreement (2), confirm that you agree with it (3) and click on the “Create” button (4):




12. Everything is yours WebMoney e-wallet created, and you can make payment transactions using it. If the functionality of this wallet seems insufficient to you, you can go through the procedures of obtaining various certificates that give you the right to conduct commercial activities through the service, withdraw money to cards and bank accounts, and carry out many other operations.

§ 2. How to create an electronic wallet in Yandex.Money?

1. Go to . Go to the “More” tab and see the “Money” item:




2. You will see a window like this (we mean that you are not registered in any). Click on the “Open wallet” button:




3. You will see the following window. In it you need to come up with a login (1), password (2), indicate a phone number (3), and click the “Continue” button (4):




4. If you already had Mailbox Yandex or you were registered in any of its other services, you will immediately be taken to this page:




Here you enter the code that will be sent to the phone number you specified (1). Come up with a payment password (2) - it should not match the password of your Yandex account. Specify the email address that will be used for notifications and restoration of access if something happens (3) - as a rule, this is the address of your current or newly registered email. Check the appropriate boxes (4) and (5), and then press the “Open wallet” button (6).




5. You will contemplate the following page for some time:




6. After which, your electronic wallet in Yandex.Money ready to use:

§ 3. How to create a wallet in Qiwi?

1. Login to (3)

and press the “Confirm” button (4):

6. After this, an authorization page will appear with the phone number already entered, where you just have to add your password and click the “Login” button:

7. That's it, now you have it e-wallet in Qiwi, whose number is similar to your phone number:

By the way, it is very difficult to delete a wallet in the QIWI system. But you will soon be charged for its use subscription fee even in the absence of transactions with the wallet. So think about it - do you need it?

And so, you found out how to create your own e-wallet in the three most popular payment systems. I hope I have answered one of your most frequently asked questions. Work and may your wallets always be full to capacity.

The development of online commerce and online payment for services has led to a sharp surge in payments using electronic money. What is virtual currency and can it become real? Which payment system is the best and is it worth giving up bank cards in favor of it? The answers are in our article.

What is electronic money?

Electronic money, in essence, is not money as such, since it exists exclusively in the virtual space and is issued by the payment system, and is not issued by an authorized state bank.

To make it easier to understand, let’s compare electronic currency with securities, which are exchanged for real money at the time of cashing out. Virtual currency is conditionally equivalent to real currency. This is done for the convenience of payment system users. For example, 1 webmoney (WMZ) corresponds to 1 ruble. But each electronic system has its own tariff, so 1 WMZ ≠ 1 Qiwi.

Today you can pay with electronic money for housing and communal services, cable and satellite television, mobile communications, Internet (including hosting), pay fines for violating the rules traffic, shopping in online stores, purchasing railway and air tickets, and even making transfers to repay loans.

Bank card and e-wallet: which is better?

It is difficult to compare payment systems with bank cards and electronic money: each has its own specifics and scope of application.

The advantages of electronic payment systems include:

• speed of wallet creation. On average, this takes no more than 5 minutes, and there is no need to go to the bank, fill out a form, open an account and receive a card. The entire procedure for registering a virtual wallet is carried out at home using a telephone and a computer connected to the Internet;

• the ability to make financial transactions anonymously. When creating an electronic wallet, it is enough to indicate fictitious data, and then it will be extremely difficult to find out on whose behalf the payment was made or who received the transfer.

However, there is one nuance here: if you register anonymously, you will not be able to cash out. To get your hard-earned money in your hands, you need to transfer it from an electronic wallet to bank card(account), and according to the law, this can only be done when both the wallet and the bank account are registered to the same person.

Another disadvantage of anonymity is the amount limit financial transactions. Each payment system has its own, so carefully read the user agreement before entering fictitious data;

• efficiency of calculations. Money transfer is carried out almost instantly. There are situations when speed is everything;

• convenience when making payments while shopping in foreign online stores. It is enough to create a wallet in the currency of the country in which you are making the purchase.

In the case of electronic money, there was a fly in the ointment. The disadvantages of virtual currency include:

• Some online payment services have a ban on commercial payments. For example, Yandex.Money will not allow you to purchase spare parts for your own car service or pay for the consulting services of a consulting company that assisted your individual entrepreneur in drawing up a business plan;

• impossibility of returning erroneously transferred money. When you deal with a bank account (card), you have a chance to get back funds transferred to the wrong recipient. A similar procedure is provided for by law. Yes, it requires your personal presence at the bank and takes a lot of time, but you will still get the money back. But in the case of electronic payment systems, alas;

• weak degree of protection against fraudsters. Any programmer can hack your electronic wallet with a certain level of skill and desire. Therefore, users of electronic payment systems prefer not to store large amounts in their wallets or to transfer them there immediately before payment;

• You have to pay for some transactions. The size of the commission for all payment systems is different - from 0.5% to 5% and depends on the type of transfers;

• transferring money from the wallet of one payment system to the wallet of another (say, from WebMoney to Qiwi) is excluded, while with bank cards this is quite possible, the only question is the amount of the commission.

How to choose an electronic payment system?

Online wallet– this is information at the disposal of financial institutions about funds that have been converted into electronic form.

Such a wallet can be either in the form of a plastic card or simply installed application on a personal computer or mobile device.

Also, an electronic wallet can be considered as software, which allows you to store and use money in an electronic system.

An electronic wallet is a device that helps you store money in your memory, make purchases and make various payments without leaving your home.

Such electronic wallets have recently become increasingly popular.

Through the concept of an electronic wallet, the concept of electronic money also developed.

– a system that allows you to store money both in rubles and in the foreign currency of any other country.

Simply put, such a system helps to store money in electronic format.

Electronic wallets have recently become increasingly popular due to their ease of use and storage. Such money cannot be lost or stolen. On the other hand, such money is easy to withdraw.

Types of electronic wallets

The main purpose of an electronic wallet is online payments, which allow you not to pay in person.

The following types of electronic wallets can be defined:

• wallets that can only support one currency;
• wallets that support several different currencies at once;
• wallets that can not only accept various currencies into your account, but also make automatic payments.

Advantages and disadvantages of an electronic wallet

Main advantages of electronic wallets

• Simplicity and accessibility in registering such a wallet. To register in the system, you simply need to provide information on a certain form; in addition, there are various instructions for registering a wallet.
• The procedure for replenishing an account or withdrawing funds has been simplified to a minimum. This can be done either through payment terminals, or by transfer from a bank card, or at bank branches that cooperate with a similar payment system.
• The system of paying for purchases and services through an electronic wallet is very widespread, so you can pay for almost any purchase. You can pay for purchases without leaving your home.
• There are no commissions or fees for servicing such wallets.
• Provides the opportunity to exchange currency at the rate established by the payment system.
• Allows you to perform instant transactions.
• The period of use of such a card is unlimited.

Disadvantages of e-wallets

• However, despite the widespread use of payment systems, some stores still do not have the option of paying in this way.
• If your electronic wallet is not linked to a bank card, then you can use this wallet only if you have access to the Internet.
• There is a possibility that such wallets will be hacked by scammers.
• There are difficulties in cashing out funds from such wallets.
• It is difficult to restore a wallet profile if it is lost.
• Electronic money is easier to spend. This is on a psychological level. We don't hold in our hands real money, we don’t feel their weight, so we part with them without regret.

Commissions when using electronic wallets

It is also worth saying that there are no electronic wallets that do not charge a commission.

However, all purchases made through such payment systems are not burdened with commission fees. It is important to pay attention to the commission when withdrawing funds or transferring them.

Visa is considered the most common system for transferring funds; the RBC Money system also falls into this category. But here the transfer limit is set at 100 thousand rubles.

The highest commission for transferring funds outside of Russian Federation charged by the Yandex system. Money. It is 3% of the transfer amount plus an additional 15 rubles from each transfer.

For other electronic wallets, this commission ranges from 1.5% to 2% of the transfer amount.

It is also very expensive to withdraw funds from wallets through the Contact system. For example, when withdrawing money from the Yandex. Money, you will be charged a commission of 4.5% of the total amount, from the Qiwi system - 3.5%.

Options for using electronic wallets and withdrawing money

When using an electronic wallet for the first time, you must go through the registration procedure, download an application or program to use the electronic wallet and create a so-called payment storage.

In order for money to appear on your e-wallet, you need to either buy special card and through it you can top up your account, or by transferring funds from a bank card, you can send money through the post office or deposit it through a payment terminal.

You can withdraw money in one of the following ways:

• transfer them to your bank card;
• transfer through specialized organizations;
• transfer to a bank account.

Registration of electronic wallets

Creating a Webmoney electronic wallet

1. First you need to go to the official e-wallet website and enter your phone number.
2. Next you need to enter more detailed information About Me.
3. You will then receive a confirmation email with the code required for registration.
4. This code will need to be entered on the website to confirm your data.
5. Then you should receive an SMS with a verification code on your mobile phone.
6. Then you will need to select the currency with which you plan to work subsequently.

In order to begin full-fledged work through this wallet, you need to obtain a certificate. To do this, you need to upload scans of your passport and provide some of your personal data. You can confirm transactions via SMS, captcha, or question-answer method.

Only a person who has reached the age of 18 can create such an electronic wallet.

Payments in such a system occur in conventional monetary units, such as: 1 WMZ corresponds to 1 US dollar, 1 WMU equals 1 hryvnia, 1 corresponds to 1 ruble, 1 WME corresponds to 1 euro. Regardless of the type of transaction, such an electronic wallet charges a commission of 0.8% of the transaction amount.

Creating a Qiwi e-wallet

First, you also need to go to the official website of the electronic system. You need to read the contract, accept its terms and enter your valid number phone, after which an SMS with a confirmation code will be sent to your mobile device. At this point, registration ends and you can top up your wallet account.

The advantage of this system is that registration is quite simplified: just indicate your mobile phone, after which you will receive a verification password. You can top up the balance of such a wallet without commission, and all payments and transfers are carried out very quickly.

The main advantage of such a system is the ability to maintain complete anonymity when making transactions from such a wallet. However, anonymity is maintained if you withdraw up to 40 thousand rubles from such a card every month.

In general, the transaction limit is 100 thousand rubles to maintain anonymity. This means that you can spend about 60 thousand rubles more by paying with this card in stores.

Creating a Yandex electronic wallet. Money

When using this system for the first time, you must also identify yourself. Go to the official website of the wallet and open an account. Then you will need to come up with a username and password for your wallet, and also indicate your mobile phone number. An SMS message with a verification code will be sent to your phone. After entering it on the website, you need to read the terms of use of the wallet and accept them. If desired, you can remain completely anonymous. The wallet is ready to use.

This system does not charge commissions for paying for purchases via the Internet and when replenishing the balance of a mobile phone.

If you make a money transfer within the Russian Federation, you will be charged a fee of 0.5% of the total amount.

Creating a PayPal e-wallet

This system is considered the most large system payments worldwide and the most widespread. It was created in the late 90s. In Russia it is not as popular as in other countries of the world. PayPal must be linked to your bank card. To do this, you provide your account details, within a few days you will receive 2 transfers in the region of 10 kopecks. After this, you will finally link your bank account with the system.

If you actively make purchases abroad, you definitely cannot do without this payment system. Creating an account is free, and the commission is charged not from the sender, but from the recipient of the funds, which is a very convenient way to pay for purchases online.

Creation of a single electronic wallet

This wallet allows you to pay for services online. You can use this wallet with: mobile device, and through Personal Computer or tablet.

To register, just indicate your phone number, to which you will receive an SMS with your wallet number and password. Many payments via this system are carried out without charging a commission. You can withdraw money from your account through any post office.

Beeline Wallet

The electronic wallet was created for making micropayments; no transaction fees are charged; the system operates jointly with Alfa-Bank. It is possible to transfer funds to a bank card or to a Webmoney wallet.

The popularity of electronic money is growing. With their help, you can pay remotely for services provided, pay for purchases on the Internet, and receive funds for work done. To be able to use this tool, you must have electronic wallet. And although creating it is quite simple: you need to figure out how to create an electronic wallet and where it can be done.

What is an electronic wallet, and what services exist today that allow you to create one?

By electronic wallet we mean special program, with the help of which the user can store his money and perform various manipulations with it. In fact, this is a kind of analogue of a bank account. Funds stored in such a wallet can be transferred to the required account within a few minutes.

Today there are a large number of services on the market that provide similar services. The most popular among citizens of the country are three services:

• WebMoney;
• "Yandex money";
• QIWI.

The difference between the systems lies in the currencies they work with, the features they provide, and the fees. When choosing a specific service, a citizen needs to focus on why he needs an electronic wallet, in what currency he is going to store the funds and how he will use them.

Creating a wallet in WebMoney

One of the most popular services is the WebMoney system. Users can store funds in several currencies. The company began its work in 1998, having managed to acquire a solid customer base during its presence on the market. Opening a wallet in this system is easy. To do this, you must follow the instructions:

Since new users are assigned a formal certificate, they can only use the Keeper Mini service at first. After entering it, you need to opposite the menu "Wallets" click on «+» . After creating a wallet (you need to select a currency and agree to the terms by checking the box), you can start using it.

A formal certificate comes with certain restrictions. If the user needs to expand the functionality of his wallet, he must go through the certification procedure. After this, it will be possible to obtain a higher level certificate.

"Yandex money"

A little later, another similar service was launched - Yandex.Money. This happened in 2002. Like WebMoney, Yandex today has a large number of regular users. However, unlike the previous service, Yandex allows you to store currency only in rubles. Therefore, the advisability of its use by persons who need to store funds in another currency is questionable. You can open an electronic wallet in the system as follows:

1. Register a mailbox. If there is already one in the Yandex system, go through the authorization procedure.
2. After this, the user will be transferred to his personal page. At the top there are items: Maps, Videos and More. You must click on the item "More" and go to the section "Money".
3. In chapter "Money" you need to select an item "Open wallet."
4. First of all, the user will be asked for a cell phone number. In the future, it will be possible to restore access to your wallet if you lose your login or password.
5. In the next part of the questionnaire, you will need to enter the code that was sent to your mobile phone, indicate your email address, and also agree to the terms of use.
6. After all fields have been filled in, you must click on "Open wallet." Accordingly, after this action, the user will be assigned a separate electronic wallet, which he can use for his own purposes.

Previously, the registration procedure could be completed without using a cell phone, but this option was removed due to the need to improve the security of funds stored in wallets.

QIWI e-wallet

Even younger is the Qiwi payment system, founded in 2007. A notable feature of the service is the presence of many terminals in different cities of Russia, through which you can access your own funds. That is, even if there are problems with the Internet, the user can still use their funds using the nearest terminal.

Registering with the Qiwi service is quite simple. To do this you need:

The wallet number corresponds to the mobile number. It is possible to use four different currencies, including tenge, dollar, ruble. The service charges a commission of two percent for its services. However, previous systems also charge money for making payments.

Thus, before creating an electronic wallet, the user needs to decide on the purpose of opening it. The choice of a specific system will depend on them. Today there are a large number of electronic payment systems that provide similar services, but the most popular are three services: WebMoney, Qiwi, and Yandex.Money. The procedure for registering and creating a wallet is quite simple, just follow the instructions given above.