Commissions are the additional fees that are charged for the provision of intermediary services. Everyone knows that for transfers made through banks, post offices and other electronic resources, a certain amount is charged in their favor. For example, from the Yandex. Money ”(transfer to Sberbank card). The commission charged for the operation is acceptable to most people.
Commission for replenishment of an electronic wallet
There are various replenishment methods ("Yandex. Money"). Let's analyze the most popular:
- By credit card.
- From the balance tied to the wallet of the phone number.
- In cash in communication salons (Euroset, Svyaznoy, etc.).
- Through the Sberbank Online service.
- Through payment terminals.
Bank card. You can credit funds to your account with a bank card, which can be issued both in the Russian Federation and in other countries. Commission (“Yandex. Money”) is 1% of the replenishment amount.
Payment from a mobile balance. You can deposit funds to the account of the electronic wallet from the balance attached to it by the phone number. To do this, on the official website you need to open a section with a list of replenishment methods and press the "from phone" key. Commission wallet Yandex. Money ”is 7.95% of the replenishment amount + 10 rubles (for one transaction).
Cash. Yandex has official partners. For example, Euroset communication stores. There are a huge number of them all over the country, and they provide the opportunity to deposit funds in cash to an electronic wallet account. To do this, you need to contact an office worker, indicate the wallet number. The same rules apply to other partners. Commission “Yandex. Money ”for replenishment is 0%.
"Sberbank Online". For several years, the bank has been providing customers with the opportunity to deposit funds to the Yandex. Money ”, while the commission is 0%.
Terminals Deposits made through Sberbank terminals and ATMs are also not subject to commission.
Commission “Yandex. Money ”when withdrawing money
Now let's move on to the most popular methods of withdrawing money. These include the following services:
- Contact system.
- To a Visa bank card (Sberbank and others).
- To a bank account.
- To the phone number.
Contact Money transfers through the Contact system are very popular among wallet owners in the Yandex. Money ”, as they have some advantages, namely the lack of the need to fill out papers and collect documents. However, this method also has drawbacks - it will take at least three days to wait for the transfer. Commission “Yandex. Money ”for the withdrawal of funds is 4-5% of the transfer amount.
Bank cards Visa and MasterCard. The owners of these cards were most lucky, since such a process of withdrawing funds is the easiest. In addition, this method is the most economical. The commission from Yandex.Money to Sberbank (per card) is low. A huge advantage of transferring funds to a Visa card is that funds arrive almost instantly, so they can be cashed right away. For example, you can transfer electronic rubles from Yandex. Money ”to Sberbank card. The commission for the transfer will be 1 - 3%. When withdrawing to cards of other banks, 3% + 45 rubles will be debited. Maestro cardholders are less fortunate. In this case, the transfer of funds from Yandex Wallet is carried out within three business days.
Transfer to a bank account. In addition to a bank card, most people have a personal bank account through which electronic money can also be cashed. However, this method is a little more complicated and consists of several stages.
Step-by-step instruction
- On the bank's website you must fill out an application.
- Within a week it will be considered, with a positive decision, the money will be transferred.
- You can cash out the funds in the usual way.
The advantage of this approach is its reliability, and it is also possible to accumulate funds on the account without cashing them out. But there are also disadvantages: with a negative decision of the bank, the money is returned back to Yandex. Wallet ”, in addition, you will have to pay a high commission to both the payment system (3% of the amount + 15 rubles) and the bank itself.
- Output to a telephone number. Through the payment system Yandex. Money ”, you can easily deposit funds to your mobile phone account. After that it is not difficult to withdraw money, you just need to visit a bank that carries out such operations and receive cash from the operator. The commission for cashing is only 0.5 - 1%. You do not need to fill out any applications and questionnaires. But there is a strict restriction - the maximum withdrawal amount is 5 thousand rubles per day.
Unconventional way
Also a fairly common method that many owners of Yandex. Money". To avoid paying a commission, they transfer the necessary amount to the accounts of mobile operators, to electronic wallets, pay for the services of relatives and friends, and they, in turn, return the money in cash. This method is very simple and allows you to save both money and time.
Plastic card Yandex. Money"
For those who are used to making payments by bank transfer, on the official website you can apply for the manufacture of a Yandex. Money ”, which can be calculated in all stores, restaurants and more. And you can also cash out funds at any ATM. In this case, you will have to pay a commission - 3% of the amount + 15 rubles (but not less than 100 rubles). Gold level card, Master Card payment system. You can use it not only in Russia. And beyond its borders Yandex. Money ”(card). A replenishment commission is not provided, funds arrive instantly.
Conclusion
Replenishment and cashing of funds with Yandex. Money ”- the process is very simple and everyone can find for themselves what suits him best.