Hello dear readers of the blog site. Today we will talk about one of the most popular payment systems on the Russian-speaking Internet - Yandex Money. If you need to use this payment system, then the first thing to do is to register and create a YAD wallet. You can work with it directly through the web interface. So let's get started.
Registration and creation of a Yandex Money wallet
To use the Yandex Money web interface for personal purposes, you must complete the registration procedure. First of all, start creating a mailbox in Yandex and using the received login and password, all other services of the company will become available to you.
In order to secure further work, you will need to specify your own mobile device number. This step is optional and you can skip it by clicking on the "I don't have a phone" button. For such a case, there is another option for protection - the choice of a security question with an answer to it. But I strongly recommend that you use a mobile number for the security of your account.
The crux of the matter is that with a linked mobile device number, if you lose access, you can restore it as soon as possible. To do this, you must have SMS notification about ongoing transactions with your account. It will also make it possible to use a one-time payment password, which will be sent by SMS to your mobile phone.
At the next stage of registration, you need to enter the code that will be sent by SMS to your mobile device number specified earlier at the first stage of registration. Then you agree to the terms of use of the service and click on the "Register" button.
After registration, the Yandex Passport page will open, in the "Payment funds" section, click "Open wallet" as shown in the picture below.
In case you already have an email in Yandex, then you need to log into your account. After that, go to the "link", click on the "Open wallet" button.
Next, you will need to enter your mobile phone number and click "Continue". An SMS confirmation will be sent to your mobile, enter it in the field that opens and click "Create wallet".
Yandex Money wallet has been successfully opened, its number is indicated in the middle of the screen - copy and save it!
It should be remembered that the operation of the YAD system is designed in such a way that after 15 minutes of termination of using the service, your authorization will be automatically interrupted. This trick is made for forgetful users who forget to exit the page with an active wallet. So in 15 minutes all your information will be closed not only from you, but also from prying eyes and you will not have to complain about your forgetfulness later. No one will withdraw, cash out or transfer your money. Yandex took care of you in advance.
Using the wallet
By default, in the YAD system, you will have an anonymous status. If you work anonymously, your actions and opportunities to use the wallet will be limited. To get new opportunities, you need to click on your balance and click on the line "Anonymous".
If you want to get a personalized status, then click on the "Get status" button and enter your real passport details and full name in a special form. And to get the “Identified” status, the system administration will ask you to provide them with data in your office. Personally, on the main account, I limited myself to a nominal status - there are quite enough limits. With these statuses, you will be able to use extended limits on payments, transfers and withdrawals.
Since you are already a full-fledged user of the Yandex Money payment system, now you can replenish your account, transfer the required amount of money to the wallet of another member of the system, withdraw and cash out money. To perform these actions, there are corresponding buttons on the left side of the menu.
For example, if you need to transfer money, then to complete this action you need to click on the "Transfers" button. Next, in the window that opens, you specify the wallet number or email address or mobile phone number and complete this matter by entering a one-time payment password, which will be sent to you by SMS. All the data you entered in real time will be checked against the database, after which you will receive a message if something is wrong or there is no such user in the system.
You can also accept invoices from various services for payment. For example, you need to pay for the services of an Internet provider, top up your mobile balance or pay for any other service. To do this, you need to select the Yandex Money option for payment and you will be redirected to the page where you confirm this payment.
You can also transfer funds to a recipient who does not have Yandex Money. To do this, you need to specify the recipient's mobile operator number in the "To" field. Then he will be asked to register in the system indicating his phone number to which the transfer was made. Upon completion of the registration procedure, from the "Replenishment" section, he needs to go to the payment history and click on the "Receive" button.
Any transfer in the Yandex Money system can be protected with a protection code. It is possible to set the period during which the code will be valid. At the end of this period, if the recipient does not show up or mistakenly enters the wrong protection code, the money will be returned to you. The recipient will not be able to receive the transfer without entering the protection code.
You will need to confirm each payment by entering a one-time payment password received in an SMS message or taken from mobile application... If suddenly your mobile device is in the operator's area of inaccessibility or is lost, then in order to avoid incidents with this case, you must first print or save the emergency codes.
How to top up Yandex Money wallet
There are several ways to fund your account in the system:
- Replenishment through a self-service terminal.
- You can replenish your account using any linked bank card, or directly through an ATM. You can top up through the internet banking service.
- Also, replenishment of the account can be carried out through, in exchange for other electronic currencies.
We carry out the conclusion
Several methods can be used to withdraw and cash out money from the YAD system.
Plastic debit card Yandex.Money belongs to the category of gold payment cards MasterCard Gold and has all their capabilities and advantages.
It is a physical carrier for an electronic wallet in the Yandex.Money system.
The card and wallet have a common balance: upon receiving a transfer to a wallet or replenishing it, the money immediately becomes available and ready to use on the plastic balance.
Debit card MasterCard Yandex.Money
It makes it possible to:
- Pay for goods and services in any stores in the world and via the Internet.
- Cash out at ATMs.
- Transfer money from account to account by card number and receive transfers.
Its validity period is 3 years.
Starting from 12/15/15, Yandex.Money is issued MasterCard cards World ( this category is considered higher than Gold). Their numbers start with 5106.
Gold cards MasterCard Gold continue to be issued by the partner electronic system- Tinkoff bank. Their numbers start with 5189.
On the site money.yandex.ru name cards can be ordered to be mailed. Those who live in Moscow, St. Petersburg and Nizhny Novgorod have the opportunity to receive instant card through the office. It acts in the same way as the usual one, it is simply not nominal.
Benefits and capabilities of the card
Main advantages plastic card Yandex.Money consists of the following:
- It is full-fledged payment instrument , accepted for payment anywhere in the world.
- Produced in the Gold categoryMasterCard, allows its owner to access the highest level service. The holder has the opportunity to use the services of a concierge service, receive discounts in certain stores, and participate in special promotions. While in foreign countries, you can use the services of a lawyer and medical assistance. In addition, in case of loss or theft of plastic, a certain amount of money can be urgently issued in cash.
- PayPass technology. Some terminals offer contactless payments. To do this, you just need to bring your bank card to a special reader, after which the purchase will be paid immediately. Moreover, if the purchase amount is less than a thousand rubles (on the territory of Russia), then you will not even need to enter the PIN code or put your signature on the check.
- General balance with e-wallet. To use electronic funds from a Yandex.Money wallet account, you no longer need to transfer funds to card accounts of other banks, since they are already on Yandex's plastic.
- Issuing and receiving a card is easy- this can be done without leaving home, online through your PC.
How to order and receive a card?
You can apply for a personalized MasterCard plastic card on the website. You will need to immediately pay the cost of service (paid once for all 3 years of use): 249 rubles (if delivery to any region of Russia) and 349 rubles (delivery outside the Russian Federation).
- Fill out the application form. In order not to have any problems with receipt, it is important to write the first and last name exactly as indicated in the passport.
- Confirm the release of plastic with a password. Next, the service will write off the money for the service from the wallet.
How long will the card go?
It will be sent by mail within 5 working days, where it will then need to be picked up. You can track the delivery on the website www.pochta.ru.
In time, it comes in about 7-14 days.(how long it will take depends on the remoteness of your region from Moscow).
After receiving, you need to activate the card on the site and get a PIN code:
- Click on the balance of the wallet and follow the activation link.
- Indicate the last digits indicated on the front of the card, as well as its expiration date.
- Click on the "Activate" button.
It should be noted that the PIN code is issued only once. If you forget it, you will have to create a new plastic (re-release is not possible).
How to use the card?
At any time on the Yandex.Money website, you can:
- View the details of the required payment.
- Find out how much money is left in the account.
- Set up notification of completed transactions (by e-mail or SMS).
- Close the card and issue a new one.
- Find out the terms of service and ask a question to the support service.
You can also ask your questions in the call center at 8 800 250-66-99.
Withdrawal limits and fees
- When paying by card, no commission is charged. Maximum possible amounts:
- For anonymous users - 40,000 rubles. per month and 15,000 rubles. a one-time payment.
- For personalized wallets - 200,000 rubles. per month and 60,000 rubles. a one-time payment.
- For identified users - 6 million rubles. per month and 250,000 rubles. at a time.
- For cashing out Money 3% of the amount is charged plus 15 rubles, but not less than 100 rubles.
Cash withdrawal limits:
- For anonymous users and registered wallets: 40 thousand per month and 5 thousand per day;
- For identified users - 250 thousand rubles in one-time withdrawal.
- When transferring to other cards, 3% of the amount is charged plus 15 rubles, but not less than 100 rubles. Such transfers can only be made by identified users. The limitation on translation is 600 thousand rubles per month and 250 thousand rubles for a one-time transfer.
Payment card FAQ
- What to do when the card has expired?
You just need to order a new one. If it was tied to any services, you will need to update the data.
- How to reissue a card?
In the event that the PIN code has been forgotten, the card has been lost or it does not work, you must first close (block) it, and then open a new one.
If the card expires, a new one can be ordered in advance: you just need to confirm the delivery address and pay for its service.
Those. as such, there will be no re-release - you will simply receive new card with other details (number and validity period).
- What is the fee for withdrawing cash from an ATM machine?
Yandex.Money commission is 3% of the amount + 15 rubles, but the amount cannot be less than 100 rubles. So, when you withdraw 500 rubles, the commission will be 100 rubles. When withdrawing 5000 rubles, the commission will be 165 rubles.
Sometimes banks charge a percentage for using an ATM, this will be written on the screen before the money is debited.
- Which bank is the issuer?
Until December 15, 2015, all cards were issued through Tinkoff bank... Starting from December 15, Yandex.Money began to issue part of the cards on one's own... If the plastic number starts with 5106, then it was issued in Yandex, and if 5189, then it was issued by Tinkoff Bank.
Virtual payment systems have been used in Russia for a long time. This is not surprising, since with the help of such an account you can make any financial operations... For example, you can pay via Yandex. Money ordering any product, utilities or the internet.
What can be paid with Yandex.Money
Payment system Yandex. Money is popular not only in Russia, but also in some other countries. For example, in Ukraine, Belarus and Kazakhstan. This is due to the fact that it is quite convenient to use it. If only because there is a plastic card with which you can easily cash out any amount.
You can pay online:
- purchases in online stores (including overseas);
- fines;
- utilities;
- mobile communications and the Internet;
- games, etc.
In addition, you can pay for your studies, buy tickets to a movie or a computer program. In general, you can manage the money in the virtual account at your own discretion. And if necessary, the user can easily withdraw money to the card. For some services, the account owner can pay with Yandex money without commission.
What is a payment code in Yandex. Money
Payment code is a special set of characters that is used to pay for goods and services in cash. For example, when the payer has no money in the virtual account. The instructions for use are very simple.
How to pay using a payment code via Yandex. Money
So, if a person needs to make a payment, but there is only cash, the following procedure should be followed:
You can pay in a communication salon or through a terminal. It is important that the amount is not less than the one indicated on the site. If the user deposits more, the rest of the money will be returned to the phone account (when paying using the terminal).
How to pay via Yandex. Money without a passport
Each user of the Yandex. The money must go through identification, that is, provide passport data. The service has set a number of restrictions for three wallet owners who respect anonymity.
For example, you cannot make transfers from one account to another within the system. There are limits for withdrawal of funds. That is, payments can be severely limited. To identify himself, the owner of the wallet must fill out a questionnaire, and, if necessary, send scans of his personal documents... After verification, he will receive a new, higher user status.
Reference: Russian citizens can verify their identity at the company office. This service is not available for users from other countries.
With regard to payment without a passport, then theoretically the user can pay for various goods and services. But he cannot store more than 15 thousand rubles in his wallet. You also need to comply with the limits. Nevertheless, some sites may refuse to make various money transfers to the payer. This applies to both withdrawal and deposit of money. Anonymous status can affect the amount of commissions.
How to pay for Yandex Music via Yandex Wallet
Yandex Music is a special service with which the user can search for the desired artist and listen to various songs. There is also a dedicated mobile phone app. But this service is not free, so you need to subscribe to a so-called subscription.
To make a payment, you must:
- Log in to the application or website.
- Go to the "Subscription Payment" section.
- Choose a validity period. You can pay for a month or for a whole year.
- Specify the method of transferring money. For example, from a wallet or from a card.
- Press the button "Get password".
- Follow the instructions received.
- Save your email receipt.
As for the cost, when paying through the application, it is always slightly higher. In addition, it is more profitable to pay for a year of subscription than to renew it every month. You can also unsubscribe from a paid subscription or gift it to a friend.
How to pay via Yandex. Money internet
Since the owner of a virtual wallet can pay for any services, there should be no problems with paying for the Internet. There are several options for transferring funds. If payment is made from a card or wallet on the Yandex. Money, then you need:
- Log in;
- Go to the section "Payment for services".
- Then open the section "Internet and Telephony" or find a provider through the search bar.
- Fill out the form provided.
- Confirm the transaction with a code.
You can pay for the provider's services on the official website. The only condition is that the user must be registered there. Then it is necessary:
- enter your username and password when entering the company's website;
- open the section "Account replenishment";
- choose a payment method (wallet or card).
Then everything is standard - you need to specify the payment details and confirm the transfer. A special code will be sent to your phone. The money is credited within a few minutes. The fact of replenishment can be checked immediately.
How to pay through Yandex wallet using the wallet number
One user can very easily top up another person's wallet. That is, pay for goods or services provided by another user. To make a payment, you must:
The convenience of such a translation lies in several points. For example, you can use a digital protection code. This is a special password that is sent to the recipient. The money will be credited to the wallet after the recipient confirms the transfer with the code. He may not confirm, but then after a certain time the money will be returned to the sender.
There is another useful feature. This is sending an SMS to the recipient. As soon as the payment is sent, the wallet owner will receive a message. With its help, he can easily identify the payment. This is convenient if you have to pay for an order from a Yandex wallet made from a private person. As for the commission, the system usually charges 0.5% for transfers between wallets.
How to confirm a payment in Yandex. Money
To pay for a product or service in the Yandex. Money, the user must confirm the transaction. This usually happens in a standard way - the payer receives an SMS with a special code, which must be entered into a special window. This is done for security reasons. If an attacker gains access to other people's finances without a phone number linked to a wallet, he will not be able to transfer money.
Website technical support
At first sight at account holders who do not violate the rules of the service, there is no reason to contact the administration. But there are situations when it becomes necessary to contact technical support:
- password recovery;
- failure of the system to complete the transfer;
- problems with linking the card to the account;
- problems with withdrawing money;
- blocking the wallet;
- suspicion of account hacking.
In order to quickly contact the technical support staff, the user can call the "hot number". If the solution to the issue can wait, then the option of sending a letter to e-mail... The specialist will definitely answer as soon as possible.
The message should contain:
- user's wallet number;
- error code;
- a copy of the payment receipt, if the problems relate to the transfer of money;
- screenshots and other evidence of problems.
In response to the sent e-mail, the account owner will receive an email with a number. There is no need to answer it. The user can only wait for a response from a specialist. It is better not to send letters with requests to rush, as such applications are usually sent to the end of the queue. Therefore, it is better not to risk it.
Using the Yandex. Money is carried out quite easily. You just need to register, verify your identity and link a card to your wallet. If necessary, you can get a plastic or virtual card of the system. And after that, you can use all the features of the wallet. That is, pay online or cash out the required amount.
I read an article on "Yandex-payment" on Visi-ru. They write that if you accept payments through this form, then you can not punch the check, even if the client pays by card or electronic money.
But everywhere they say that when making payments with cards, you need to punch a check and use online cash registers. You also wrote like this
And yet, how is it correct? If you connect "Payment", is it really possible not to punch the check? What argument should the tax authorities give if there are any questions?
Maxim Olegovich
I think the comment of the Yandex-Money press service is not entirely correct and in some ways even dangerous. The press service may disagree with me - so that my opinion is not groundless, I will cite the documents.
Federal Law No. 54-FZ applies to payments in cash or using electronic means of payment. This is clear from the name of the law. Remember the wording "electronic means of payment". This is not the same as e-money.
Ekaterina Miroshkina
economist
The press service of Yandex-money, in its comments to the Visi-ru portal, gave an inaccurate interpretation of the scope of the law:
No. 54-FZ provides for the issuance of a check when making settlements offline and online. By "settlement" the law means the acceptance or payment of funds using cash or electronic money. Electronic receipts "Yandex-payments", in fact, are a transfer without opening an account, even if the store and the client use online banking.
Site owners may misunderstand this explanation and make mistakes in the application of the law.
What the law says
Electronic money is money that has been deposited on a card, online wallet or other means of payment without opening an account. And an electronic means of payment is a way to manage this money. For example, pay with a card through the form on the website, transfer money through the "Client-Bank" or write off from an online wallet. And I don’t know why Yandex-Money lawyers “assume” that such forms of settlement do not require sending checks to the tax office.
I have collected quotes from official documents so that you do not have to search for them in different sources... Read carefully what is written in the law and the explanations of the relevant departments.
Settlement through "Payment" is a bank transfer of an individual without opening an account, which the legal entity learns about at the time the money is received on the current account. The legal entity cannot find out about the very moment of payment in the online store, so we assume that sending checks under 54-FZ is not required.
However, we cannot guarantee that our point of view coincides with the point of view of government agencies. The decision to send or not send checks is up to you.
What is the moment of calculation and how to determine it, it is written in paragraph 3 of Art. 16.1 of the Law "On Protection of Consumer Rights".
Briefly like this:
- in cash at the checkout - when money is at the checkout;
- in cash without opening a bank account - when the money is with the paying agent;
- for non-cash payments - when the money came to the bank.
Platezhka's lawyers say that the store cannot find out about the payment. On the phone, the service specialists told me the same thing: the money is immediately credited to the bank. And supposedly only then the entrepreneur learns that he has received payment.
But from the information on the official website of "Yandex-payment" it is clear that the entrepreneur will receive a payment notification even before the money arrives at the account. And there is even an example of such a notification.
Total: "Yandex-payment" does not exempt from the need to place an online checkout
What to do in order not to break the law?
You haven't told what you are doing. But if your activity is not exempted from cash registers by law and you connect "Payment", I advise you to rent a cash register and punch checks. Moreover, the same Yandex has convenient solutions for this.
You can also contact any cashier supplier. There are options when the site owner does not need to do anything at all: a special cashier will automatically punch the correct check when the money arrives at your bank.
Yandex is not only a well-known search engine, but also many other services, including Yandex money... Here it is possible to create an electronic wallet in rubles, place an order for the issue of a plastic Yandex card World MasterCard, which is delivered not only across Russia, but also to other countries (Belarus, Ukraine, etc.). Free virtual card for purchases in online stores, and you can also link any bank plastic Visa or MasterCard directly to the account.
Yandex Money Is a multifunctional payment system that allows you to pay for various services, goods both on the Internet and offline, make money transfers, deposit and cash out funds.
Official website: money.yandex.ru.
The official website has all the ways to deposit or withdraw money from an account, as well as a list of services and goods for online payment. For your information: Yandex wallets are of three types: anonymous, registered, identified. Each has its own limits and restrictions. Anonymous is assigned immediately after registration, a personalized one is provided after filling out an online questionnaire (only for Russians), and an identified one - after providing passport data. You can do it at the Yandex offices indicated on the website, by mail, through Euroset and Svyaznoy, through the Contact money transfer system, or with the help of agents. The most comfortable and quick way identification is the use of the Sberbank Online service, by the way, this method is also available for Belarus (Sberbank-BPS).
You can replenish, withdraw or exchange Yandex.Money profitably through. Through them, it is easy to exchange for popular cryptocurrencies Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Dash, etc .; withdraw or replenish an account from bank cards: Sberbank, Alfa-Bank, Tinkoff and other Russian banks; use electronic wallets Qiwi, Perfect Money, Payeer, AdvCash, Capitalist and other methods.
Verified and reliable Yandex exchangers: ProstoCash; 60cek; Xchange; Kassa; X-Pay; Baksman.
In the exchanger, you will need to indicate the direction (the columns "Give" and "Receive"), for example, the exchange of poison for Russian rubles of Sberbank and the amount. In the details of the exchange, you will need to indicate the number of the card or wallet to receive money:
Replenishment of a Yandex account from a Visa / MasterCard RUB card:
Using the monitoring of the Kurs-expert or bestchange.ru exchangers, you can find other exchange services and profitably buy or withdraw Yandex.Money from your wallet to other electronic payment systems, bank cards and cryptocurrencies (WebMoney, Qiwi, Perfect Money, Bitcoin, Ethereum, etc.) etc.).
If you need to go directly to the deposit, withdrawal of funds, then we advise you to familiarize yourself with that. 
Yandex.Money official website - https://money.yandex.ru/. He available in Russian and English. All available payment transactions can be made using the web interface.
The payment service is very popular among residents not only of Russia, but also of the CIS countries (Belarus, Ukraine and others). There are currently over 25 million registered e-wallets.
YAD mobile applications are available for download on Android, WindowsPhone platforms, through which it is possible to pay for services and goods even without registration at any time, anywhere, in the shortest possible time.
This is how the application for Iphone looks like:
Mobile application for android:
And using the "Transfers" application (for iPhone and Android), you can transfer funds from one Visa or MasterCard to any other issued in the Russian Federation. The transfer fee will be 1.9%. To do this, it is enough to indicate the details of your bank card and the recipient, the transfer amount:
Legal information. Brand name: NPO Yandex.Money LLC, supervision of the activity is carried out by the Main Directorate The Central Bank Russian Federation on Central federal district Moscow city. Since 2012, he has been licensed by the Bank of Russia No. 3510-K and has the right to carry out money transfer operations without opening bank accounts, including electronic money. Banking license:
In the authorized capital, 75% (minus 1 ruble) of shares are owned by Sberbank, the remaining 25% (plus 1 ruble) - by Yandex.
Without registration and identification, you can make payments for services, if you have a bank card, transfer money from it to another plastic of any Russian bank... But all other functions and capabilities appear after registration and opening of the Yandex.Money wallet.
How to register and enter your Yandex.Money personal account
To enter your personal account, you need to go to the Yandex.Money website and register by clicking on "Open wallet" :
- login;
- password;
- mobile phone to which the payment password will be sent;
- personal email.
Yandex.Money wallet registration is free. Currency - Russian ruble.
If there is mail on yandex.ru, then a Yandex account is created without filling out the registration form. If it is not there, then you need to create a mailbox so that after that you do not enter a password every time.
You can also enter the site through your profile on the social network. :
After that, you can enter the site without entering a password, only using the VK profile.
For inactive more than two years wallets are charged a fee of 270 rubles ($ 4) per month. You can close your account by contacting support.
The Yandex wallet account number consists of 15 digits:
Yandex.Money personal account
To enter your personal account, you need to use the login and password specified during registration. General form:
The setting is in the drop-down menu that appears if you click on the account balance at the top or in the left menu: 
By going there, you can change and add services and information:
- change the password (the login cannot be changed);
- link a bank plastic card to a Yandex.Money wallet;
- view the data of the virtual card;
- enable notification of all transactions with the account (by SMS the fee will be 20 rubles, by email notification is free);
- set up payment for Skype;
- issue a plastic Yandex card;
- bind a mobile phone (for recovering a payment password, SMS-informing about services);
- set up a reminder of the required payments;
- use other services and services.
Yandex.Money identification
The identification status increases the limits on withdrawals and deposits, and also affects the ability to use other services. Depending on the verification status, Yandex.Money wallets are:
- not personified;
- not personified nominal;
- personified.
The status can be viewed by going to "Settings" or by clicking at the top, where the balance is displayed. 
The "Anonymous" status is assigned immediately after registration, without any identification. The wallet is characterized by a low limit on payments, only 15 thousand Russian rubles. It is possible to pay for goods and services only in Russian stores; you cannot receive and accept transfers from other users. We strongly advise you to inform Additional information to change the status.
Nominal status. You will need to provide your last name, first name, patronymic, passport details and phone number. After that, you can withdraw money anywhere in the world, make and accept transfers, and the limits on transactions will increase - up to 60 thousand Russian rubles. But of the minuses, it should be noted the impossibility of transferring funds to bank accounts and linking Yandex.Money Wallet to the WebMoney wallet.
The card is produced and delivered free of charge, you only need to pay for the service for three years. After the card expires, it must be ordered again ... The service price is, one might say, symbolic:
- for residents of Russia - 249 rubles, a little more than $ 3;
- for residents of other countries - 349 rubles, which corresponds to $ 5.
For release name card necessary:
- Indicate the recipient's name, surname, patronymic, name that will be on the card.
- Submit your email address.
- Come up with a code word.
- Read the details of the offer.
Activating a Yandex.Money card and obtaining a pin code
After receiving the card by mail, you need to activate it, indicating its number and expiration date, and receive a pin code that will come after activation to the mobile phone number linked to the Yandex.Money account. We advise you not to lose or forget your PIN code, otherwise you need to order new card... At the third wrong attempt to enter the pin code, it is blocked, to unblock it, you need to contact the support service.
Instant Yandex.Money card
We remind you that a ready-made card (not a personal one) can be obtained at Yandex.Money offices, as well as at some Sberbank branches. It is accepted in stores and on the Internet. The subscription fee is 20 rubles per month. Issuer - Yandex.Money. Activation - by the link, which will be in the envelope with the card. You can link the card to an existing wallet or to a new one.
Card replenishment
Since the card is tied to a Yandex.Money account, by replenishing it with money in any of the above ways, you can use it from the card. Let's note some:
- Replenishment by card number in rubles using an ATM and terminal, if they are connected to the MoneySend system.
- By bank transfer to the card, using the details, if the cards start with digits 5189:
Yandex card limits and commissions
The limits for payments with a card, like a wallet, depend on the identification status:
- Anonymous status - 15 thousand rubles for one operation, no more than 40 thousand per month.
- Nominal status - 60 thousand rubles for one operation, 200 thousand per month.
- "Identified" status - 100 thousand rubles for one operation, 6 million per month.
Details about the limits for cash withdrawals from ATMs, for payments in the picture:
The commission for card transactions is:
- for the following actions: cash withdrawal, card transfer to a friend using the MasterCard MoneySend system, replenishment of an account in LiqPay, 3% of the amount + 15 rubles;
- for payments (for example, in stores) - there is no commission.
Owners of ATMs (banks) that are not card issuers can set their own limits on cash withdrawals and fees.
When withdrawing funds other than the Russian ruble, it is converted at the MasterCard rate and then at Tinkoff.Bank. When using Yandex.Money World MasterCard, the conversion will take place at the MasterCard + 2% rate.
Payment for services and goods in foreign stores is possible for the status above "Anonymous".
Yandex.Money virtual card
How to top up Yandex.Money
You can deposit money to your Yandex.Money wallet account by clicking on the "Top up" link at the top personal account, where the balance is displayed:
There are several ways to replenish a wallet in the system: from a bank card, Bank transaction, cash, from other services, prepaid cards. Let's take a look at each of them:
You need to get the details for replenishment by selecting the country and currency:
- By postal orders.
You can top up at the Russian Post offices by filling out the form. Commission - 2%, money comes on the 2nd or 3rd day. The maximum amount limit is 15 thousand rubles.
- Replenishment of the Yandex.Money wallet using a bank plastic card.
Replenishment is possible from a Visa or MasterCard bank card issued by banks in Russia, Azerbaijan, Armenia, Belarus, Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, Turkey, Uzbekistan, Ukraine. 
You need to indicate the card number, expiration date, CVC code. Commission - 49 Russian rubles. Operation limits: 15 thousand rubles per one operation, 100 thousand rubles per day and 200 thousand per month. When replenishing an account in a currency that differs from the Russian ruble, it is converted into rubles at the rate of the issuing bank:
- In all ATMs of Sberbank, replenishment of the poison is possible from a card of any bank of the Russian Federation. Commission - 0%. A list of the nearest ATMs can be found on the Yandex.Money website.
- Using Internet banking using the service details.
On this moment payments do not go through.
- With the help of the "Connection with the bank" service: for an account in Alfa-Click and a card of the bank "Otkritie".
You just need to connect this service, which is free.
- Connection of the "Connection with the bank" service for the "Otkritie" bank card:
- Connection of the "Connect with the Bank" service for an account in Alfa-Click:
Account replenishment by transfer from bank account at any bank in the world.
Get details by copying them to payment order in the Internet banking system or through a bank branch. The term is from 2 to 5 days.
Yandex does not charge a commission, but the money can be withdrawn by the bank that provides the service.
Replenishment of Yandex account from other services.
Commission for replenishment - 4.5%. Limits: 15 thousand rubles per operation, 300 thousand per month. In this case, the WebMoney wallet must be linked to the account.
- You can link any plastic card to your account and use the services without replenishing your Yandex wallet:
It is possible to configure filters (by selecting the items: "My region", "Instantly", "Without identification"): 
- Spend on payment for services and goods or withdraw through an ATM using a Yandex.Money plastic card.
- Withdrawal by transfer to a bank card (a few minutes):
- Visa, Visa Electron, MasterCard and Maestro issued in any country except Afghanistan, Venezuela, Iran, Iraq, Colombia, USA.
- American Express, Diners Club International, issued by Russian Standard Bank.
Withdrawal fee - 3% of the amount (additional 15 rubles). The minimum transfer amount is 500 rubles.
Limits for transfer to a plastic card:
- for one operation: 15 thousand rubles for owners of personalized wallets;
- 75 thousand rubles for identified users;
- payment amount per day - 15 thousand rubles;
- payment amount per month - 600 thousand rubles.
Transfer to cards not issued in the Russian Federation is allowed no more than 5 times a day. The owner of the purse with the status above "Anonymous" will be able to make the transfer.
You need to enter the card number, transfer amount, recipient email:
- Transfer to a card: service "Communication with the bank" (withdrawal of funds - instantly).
The service can be activated for Alfa-Click or the OTKRITIE card, with the help of which funds are transferred to the bank. Transfer fee - 3%. More details about the "Connection with the bank" service can be found on the Yandex.Money website.
- Send to bank account:
Transfer is possible to a bank account both in Russia and in 234 countries of the world, but only for identified users. Yandex.Money commission - 3% of the transaction amount + 15 rubles. Term of crediting: in Russia - up to 3 days, in other countries - from 5 to 7.
How to send to a bank account? To a bank account in Russia, it is possible to transfer to a ruble bank account that belongs to natural person... The transfer can only be made by users with a registered and identified wallet.
To a bank account in other countries.
- Get cash.
Money can be received at branches Western Union(withdrawal instantly, commission Yandex.Money - 0%), at points of the CONTACT system (withdrawal of money 1-2 days, commission Yandex.Money - 3%, commission of the "Contact" system - 1.5% for Russia and 2% for others countries), through the cash desk of RIB NSCO (withdrawal of money in 1-2 days, system commission - 3% of the payment amount + 15 rubles), Idram (instantly) or from a Yandex.Money plastic card (instantly).
- Transfer to another electronic payment service:
- To the WebMoney wallet linked to your Yandex account. Commission - 4.5% of the amount.
- Using exchanged points
Yandex.Money money transfers
Using Yandex.Money wallet or Visa card or MasterCard, money can be transferred to the wallet of another user registered in the Yandex.Many service, as well as made remittance through the Western Union service, transfer from card to Visa or MasterCard of any bank of the Russian Federation. A user with the "Anonymous" status cannot make transfers.
Transferring funds to another wallet can be done in the personal menu at the bottom:
- Transfer from the YAD account to any other wallet in the system. In this case, you need to indicate its number, if necessary, write a message and a protection code to protect the payment. The transfer fee is 0.5%.
