How money is withdrawn. How to withdraw money from an LLC? If you do not need to quickly receive money, you can use other methods of cash withdrawal

People often ask themselves how to withdraw money from an electronic wallet Webmoney to a bank plastic card, to a bank account or in another way without getting to large sums.

Despite the relative high cost of the method, it is the withdrawal to a bank card that many consider the best solution for cashing money earned on the Internet because of its simplicity, speed and versatility. The transfer to the card can be received instantly (within five minutes), which, in comparison with the withdrawal of money to the bank according to the details, is just space!

IMPORTANT: In 2020, Webmoney now has 2 ruble wallets: WMP (for residents of the Russian Federation and some non-residents of the Russian Federation with limits of 60,000 rubles for simplified identification - available by default, identification in the KKB bank) and WMR (for residents and non-residents of the Russian Federation)... There are now restrictions on WMR (purchase amount is up to 40,000 WMR, store no more than 15,000 WMR on the wallet at a time, by the way WMR is not accepted everywhere for payment, but it is changed on the exchange without problems).

The chronology of events is as follows. The Webmoney system notified its users about this on July 10, 2019. In particular, since August 15, the residents of the Russian Federation have automatically created accounts WMP whose currency is Russian rubles... Money was automatically transferred to them from ruble wallets within available limits... Basically, it is 60,000 rubles. If the old WMR wallet had more, then the old WMR wallet did not go into the archive and remained functional. If not, then such a wallet is history. However, you can re-create yourself a WMR wallet if this happens to you. Since September 1, 2019, residents of the Russian Federation have received a notification from the keeper of the change legal nature WMR wallets.

The guarantor of the new WMP wallets is the subsidiary bank Webmoney - KKB("Conservative Commercial Bank"), as well as other legal representatives of the payment system, registered on the territory of the Russian Federation... It will also carry out and identification users (for example, to increase the storage limit for funds on current WMP wallets from the base 60,000 rubles to 600,000 rubles). It is problematic to do this now, since you need to appear in person at the bank itself for identification.

Important addition: if you are not a resident of Russia, then good news for you! Now you can also use not only WMR, but also WMP. In January 2020, Webmoney released the news: “P-wallets have become available to citizens of Azerbaijan, Ukraine, Belarus, Armenia, Georgia, Kazakhstan, Kyrgyzstan, Latvia, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Estonia”, as well as Germany and Israel. To open the P-wallet, they will need to get Personal passport.
Transferring money from WMR wallet to WMP directly not possible, but you can transfer funds between WMZ and WMP. Nevertheless, you can use the exchanges of Webmoney itself or exchange offices. There is both a commission and a floating rate.

In fact, it turns out that residents of the Russian Federation with a formal passport can open both WMR and WMP, while non-residents of the Russian Federation can open WMR with a formal passport, and WMP - only with a personal one.

The company "WebMoney" explains what is happening by the requirement to comply with the law FZ-161"On the National Payment System". Thus, it will be rubles that will be stored on the WMP wallet, and not their equivalents in the form of WMR, as it was before.

IMPORTANT POINT: restrictions and innovations regarding WMZ and other wallets not planned.

All services described below in the article withdrawing money from WMR will work in the same mode, but due to possible excitement, the size of commissions for exchange, deposit and withdrawal of money from Webmoney may change. We will report all changes on this page, in particular, on working with new WMP wallets. We will update this article regularly as new information becomes available, we recommend bookmark this article so you don't miss out on what's important.

What do we have for March 2020 with WebMoney?

For residents of Russia, 2 types of ruble wallets can function simultaneously: unidentified NESP (these are good old WMR) and identified WMP... At the same time, for the latter, to increase the funds storage limit ( from 60,000 to 600,000 rubles you need to go through identification in subsidiary bank Webmoney in Russia - "KKB" - "Conservative Commercial Bank"). WMR are less often accepted for payment on Webmoney services, as well as in other places where you can pay with this wallet.

There are restrictions on the amount of 1 purchase using WMR (it cannot be more than 40,000 rubles and you cannot store more than 15,000 WMR in your wallet). By the way, since February 2020, these changes have finally come into force, and these limits have already been reflected on the official WMR exchange exchanges.

It is impossible to directly change WMR to WMP, you need to use intermediaries: for example, Webmoney exchanges or third-party exchange offices. Same WMR you cannot withdraw directly from Webmoney using traditional methods (for example, to a card or bank account). Everything only through exchanges and exchangers. If a resident of the Russian Federation has archived the WMR wallet (for example, the account had 0 or less than 60,000 rubles), then it can be re-create and use... Non-residents of the Russian Federation can also now create a WMP for themselves, but for this they will have to go through identification through the "Personal passport". This opportunity is not available to all residents. We wrote about this in more detail above.

Exchange money through online exchangers - the most the best option and profitable option in terms of interest... Especially now, in the wake of the panic of many users about WMR. Today this way - one of many allowing you to change WMR to something else or even log out of the system. There are more or less humane commissions in comparison with the official exchangers of Webmoney itself.

Now in connection with this news about the cancellation of WMR and the transition to WMP, such a terrible hype that you need to manage to catch profitable interest and change money every day it becomes more and more expensive. On official Webmoney exchanges tough going on in terms of commissions, it's good that there is independent exchangers where the price tag for the exchange is much more humane. The most convenient way to search for them is through Bestchange.

Choose a course with a minimum commission and better conditions at the moment it is possible in the largest search engine of Runet exchangers - on the service Bestchange... The system contains various exchangers that transfer both to bank accounts and exchange WMR for electronic money: QIWI ("Qiwi") and "Ya.Dengi" (YAD). There is also their rating, user reviews, job opportunities: instant Webmoney withdrawal, manual execution of the application, the need to check a bank card, etc.

Webmoney withdrawal to Yandex.Money and free withdrawal from ATMs

Checkout free a card using our link (create a new account, order and activate the card) and get it from Yandex gift: 100 bonus rubles... Issuing a card now costs only 399 rubles. And this is the final cost: no more service fees for 5 years of card validity!

« Yandex money" fully zeroed the commission for withdrawing money from ATMs on their registered cards "Yandex.Money Mastercard". In a calendar month, you can withdraw cash at any ATM up to 10,000 rubles... The minimum amount of the operation, as well as the number of approaches not limited. An important point: your Yandex.Wallet must be fully identified(on the third column).

Everything that exceeds 10,000 rubles will come with a standard commission for withdrawing money from Yandex.Money plastic cards - 3% minimum 100 rubles ... The maximum amount of one withdrawal for fully verified cards is 100,000 rubles per day and 1,300,000 rubles per month.

Yandex.Money card is free serviced throughout its life. You only pay for shipping to any country name card 399 rubles.

Yandex money" also appeared cashback: paid in bonus rubles (1 ruble = 1 bonus ruble). Instant cashback. The service defines categories every month increased cashback for which you get 5% of the purchase amount in points + 5% for every fifth a check in other categories or 1% for all purchases in non-bonus categories, including on the Internet. The accumulated points can be exchanged with partners who accept Yandex.Money for payment, and there are many of them. For example, they can be spent in stores that accept Yandex Money for payment. For example, the same Ozone store.

The very scheme of transferring WMR to Yandex.Wallet is very simple: find on BestChange the best exchanger from Webmoney to Yandex.Money, we change (we get money for Yandex.Wallet), and then we just go to any ATM with a Yandex Money card and withdraw cash without commission.

By the way, if you do not yet have Yandex.Wallet and their plastic card, then using our link you can create it even with a benefit for you. Just follow the link, register (create a new account in Yandex), order, and then activate free plastic card "Yandex.Money", and get for it 100 bonus rubles from Yandex... You can spend this money at any point where Yandex Money is accepted for payment. For example, Ozone. A trifle, but nice, you can then spend them on future purchases 🙂 The card itself is completely free in service and is issued for 3 years.

In addition, exchangers allow you to get a number of opportunities that are not provided even with standard cashing methods. For example, withdrawal to foreign wallets and payment cards.

What options are there for March 2020?

Withdrawal of "WebMoney" through "Megafon"

(the most economical and safest scheme for "pocket money")

Refill mobile phone with Webmoney with the subsequent withdrawal of money from it. This option is suitable for people with formal certificate and above and for small amounts ( up to 15,000 rubles per month ). However, the money at all stages belongs to you. Today it is the cheapest WMR withdrawal option. And in general, the only "official"... Moreover, he auto... The money is already in your card account within 5 minutes after the transaction. Without intermediaries in the form of exchanges or exchange offices.

Bank card "Megafon Mastercard": features

Megafon payment card can become effective tool for withdrawing WMR, you can open right now is free a virtual card on the site, from a virtual card you can withdraw money from ATMs with NFC and pay in any stores using Google Pay / Apple Pay 🙂

Webmoney has become especially popular for cashing out virtual map MasterCard Standard instant issue from Megafon.

Its trick is that it is tied directly to the phone account ( for Megafon subscribers) and even foreigners can issue it by purchasing a SIM card (not citizens of the Russian Federation). That is, the money that is on the mobile account can be used for the usual payment for goods and services in stores and on the Internet. Today it is the only such product on the market. Cool, isn't it? 🙂

The card is issued for three years. Its issuer is Bank Round LLC,however, the personal account operates under the guise of “ Megafon Bank» 🙂

If you Megafon subscriber then right now you can is free get yourself a virtual card on the operator's website, link it to Google Pay / Samsung Pay / Apple Pay and use it as a regular card, receiving cashback money 1 / 1.5% for all purchases and upgraded in categories + megabytes for communication and interest on the balance up to 10% per annum.

With a Megafon payment card, even cashback for purchases in stores as megabytes per Mobile Internet... They come in packages 10 MB for every 100 rubles spent... If the purchase is less than 100 rubles, then there will be no cashback, and if, for example, 189 rubles, then you will receive only 10 megabytes. This is the rounding off, but you can spend megabytes throughout the year. A trifle, but nice!

There is also cashback with money on tariffs " Standard" and " Maximum«: 1% for all purchases and 1,5% from the sum of all purchases, respectively.

For purchases using these MCC codes, cashback from Megafon is not charged: 4813, 4814, 6012, 6532, 6533, 8999.

It's easy to top up your card: you just need to pay for the phone number to which the card is linked. The commission for the operation will be only 0,8% (standard Webmoney fee).

WEBMONEY WALLET LIMITS:

• there is serious Telepay restriction on phone replenishment (no more 15 000 rubles per month);
• minimum required formal certificate ( a pseudonym will not work under any sauce).

LIMITS ON THE MEGAFON CARD:

• 100 000 rubles per day ( 300 000 per month) in total for replenishment, withdrawal from ATMs and transfers (for purchases 600 000 per month) - for citizens of the Russian Federation, you can open up to 5 cards to one phone number and with a total limit;
• limit for citizens of other countries 60 000 per day and 100 000 rubles per month;
• cashing the phone balance with a card at any ATMs in the Russian Federation up to 10,000 rubles per month for free(but for this you need to make purchases with this card on total amount from 3,000 rubles per month), then - 2,5% from the amount of the transaction, 3,5% for amounts up to 100,000 rubles and 4% to everything that is above. Accordingly, the withdrawal of funds by commissions in total goes from 0.8% to 4.8%, depending on the amount;
• transfer to other cards (via MoneySend) - 1,99% ... For example, by pulling on "Corn", " Beeline Mastercard"," Tinkoff Black "and others supporting C2C. Total (including initial Webmoney commission): 1.99% + 0.8% = 2,79%;
• if you replenish your e-wallet (for example, Yandex.Money or Qiwi), then the Megafon card will 8% from the amount of the transaction;
• Another cool feature: free transfers "Megafon - MTS" and back. To do this, you either need to go to the personal account of Megafon.Bank. Maybe someone will come in handy with such a chip.
  Limits: 30,000 rubles per day and no more than 40,000 per month. The minimum payment amount is 10 rubles.
• card purchases no commission shopping in foreign currency at the conversion rate ( Central Bank of the Russian Federation + 3%).

In fact, you can replenish the Megafon operator's phone number from Webmoney with a standard 0.8% commission, issue yourself a payment card to your phone number without commission and use it for free throughout the entire validity period: buy goods, withdraw money, transfer them to other cards.

Be careful: do not get carried away with cashing out on this card. The bank doesn't like it when this card is used only for cash withdrawals. Use the card fully: make purchases and withdraw cash without fanaticism, and then everything will be fine 🙂

Virtual Webmoney card (KKB - "Conservative Commercial Bank")

for small purchases on the Internet and in stores (the limit for one operation is 15,000 rubles per day and 40,000 rubles per month)

You can apply for a card on the Webmoney Cards website: https://cards.web.money/

The company "WebMoney", apparently, decided to restore the issue of virtual cards for those who have a wallet in this system. After checking in KKB the Central Bank of the Russian Federation itself appeared, this card, like many other banks, stopped issuing, but now everything is slowly returning to normal. And here we have a good old virtual machine from Webmoney, sometimes improved, sometimes worsened.

Card issuance fee 50 rubles, service free... The card itself is issued for 1 year... The card details are sent via SMS, SMS with confirmations of transactions for online purchases is also sent there (finally, the mechanism 3D Secure, in the old it was not).

Anyone can get the card natural person of the Russian Federation with the citizenship of this country. Webmoney card is available for registration to persons with formal certificate and above.

IMPORTANT UPDATE :
you can replenish a virtual Webmoney card only from WMP wallet.

Webmoney virtual card limits:

• maximum limit of one operation (purchase, replenishment) - 15,000 rubles;
• daily limit too 15,000 rubles;
• monthly limit on transactions - 40,000 rubles;
• one wallet can be issued up to 5 such cards.

You can replenish your WebMoney card directly from your wallet. Commission - 1% from the payment amount. You can return money from the card back to the wallet no commission... The card supports payment through systems Google pay and Apple Pay (that is, it can be used as a physical one to pay for goods and services in regular stores), but according to the map PIN is not generated, which means that operations from 1000 rubles in ordinary stores may not work ( check in the store if this is so).

Based on the limits, maximum purchase amount on this virtual Webmoney card limited by the amount 15,000 rubles... Naturally, there is no cashback for purchases here 🙂 And yes, card does not support C2C (that is, you cannot withdraw money from this card to another card!). We tried it - it didn't work out. Maybe you can do it? Write about the result in the reviews of the article 🙂

Fast payment system (FPS): instant withdrawal of WMP to the bank

Happy owners of WMP wallets can now almost instantly withdraw money to bank accounts connected to the "Fast Payments System" of the Central Bank of the Russian Federation. This revolutionary way of making money was invented in 2019, and Webmoney became a member of it. Now SBP is supported by 38 banks.

Moreover, Webmoney can even be replenished from these participating banks. But the withdrawal of Webmoney to bank accounts via SBP is already subject to a commission: 1,2% + 0,8% ... Of the requisites, just a mobile phone number is enough.

Limit: 14,500 WMP per transaction.

To transfer, you need to go to the “Transfer” menu in the application or on the WebMoney Keeper website, and then click “By phone number” - “Through the Fast Payment System”.

The same topic with an instant transfer to the WMP bank by phone number has already been established with “ Sberbank“Because this bank is not yet in the SBP system. The fees are the same. All interaction within the framework of these services is laid on the shoulders of KKB Bank JSC. Recall that this is their subsidiary bank.

Wire Exchanger: Withdraw WMR to a bank account

for larger amounts in rubles, to Russian banks by interbank payment (using bank details), today this is the main way of selling WMR.

Exchange "WebMoney" - Wire Exchanger(applications).

This is stock exchange... You can carry out an exchange according to the P2P scheme between its participants. Beneficial for those who want to cash out larger amounts. But since February 2020, for some reason, the maximum withdrawal amount does not exceed 15,000 WMR and this is very sad. Probably related to the basic limits on WMR for anonymous users (have no more than 15,000 WMR on your account, total spending per month no more than 40,000 WMR). Applications start from 1000 WMR. There is a risk: the responsibility for the transaction lies entirely on its participants(the system only generates statistics and updates the ratings of the participants, well, it freezes part of the amount from the deposit for a guarantee).

From February 2020, the exchange section has a new address: wire.exchanger.money
A number of innovations are also reported - the absence of insurance premiums for the purchase of WMR, as well as the long-awaited opportunity to communicate with the counterparty via chat with text, audio and video communication. And the ability to add negligent counterparties to black lists. But there are also disadvantages: at the moment, we no longer see applications from 15,000 WMR 🙁

Universal recommendation: look for an exchange individuals, offering comment "translation own funds» , so as not to fall under the possible sanctions of banks. The service is available for owners formal certificates and above. Before carrying out operations, it is important to establish “ the trust»For the recipient of funds. At the stage of payment for the application, the system will offer to do this. After payment, the money is debited automatically. The system will notify you that the funds have been sent to your bank account.

Average commissions are from 1.52% to 10% from the amount of the transaction, but you can find it cheaper or, conversely, more expensive. We also do not forget about the standard commission 0,8% , which needs to be additionally added .

Look for intermediaries on the Wire Exchanger exchange: as a rule, the higher the amount in the application, the lower the commission percentage. And yes, you can submit your application, waiting for someone to respond to it 🙂 Method through the exchange. Indirect. The exchange takes place through third parties. Accordingly, the time to receive money also depends on their quickness. The exchange acts as a guarantor in this transaction, but it can only indirectly affect the speed of receiving money.

MINUSES:

1. Way not instant... Available cash only for bank account in the Russian Federation... The money goes by interbank payment (that is, you can receive it to a bank account only on weekdays; on average, to process the transaction, you need 1-2 business days).
2. This option is not suitable for those who does not want to shine his income in front of banks or wants to receive money instantly. To carry out operations, it is necessary to indicate INN.
3. Often the amounts are inconvenient: you cannot pay part of the deal(as on their WM.Exchanger currency exchanger). You can submit your application, but there is no guarantee of the time when it will be executed.
4. It's not easy to find performers - individuals- with good interest and conditions.
5. "Hazy" conditions (in the agreement with Wire it is said about the issuance of a loan between individuals and that it terminates on a "statement of compensation").
6. Transactions may break off through the fault of the executor of the application.
7. The Wire exchange collateral is refunded, but the commission for it (0.8%) is not.

Withdrawing WME and WMZ to a bank card (via Telepay)

who has income in $ and euros, through the mechanisms of replenishment by bank card number; fast, but payments do not always go through. Since September 2019, this method is only suitable for WMZ wallets.

There is experience of withdrawal to the card "Alfa-Bank", "Sberbank" (Visa Classic) or "VTB-24 Mastercard Multicurrency". Does not work for Tinkoff and RNKO Payment Center cards (Kukuruza, Kari, Beeline, etc.).
And if in general, then:

• cards must support 3D Secure;
• be open for accepting funds via Visa Direct / Transfer and MasterCard Moneysend;
• cannot be prepaid or virtual. Only DEBIT or CREDIT(check the card type by BINBASE).

Translation instant if it is VISA (MasterCard - up to 3 days).

Commission: 2% + 3 WMZ / WME + % for conversion by the bank, if the card is in rubles.

Telepay limits:

1. No more than 500 per day 2 000 USD / EUR;
2. No more than 10,000 per month 20 000 USD / EUR.
3. There is information that limits per transaction were significantly reduced (to 200 USD) 🙁

The rest of the banks have not been tested, therefore at their own peril and risk. Please be advised that, in general, this operation is not very secure! The payment comes from foreign company Paymaster24 Ltd (sometimes the name and surname of the recipient is substituted), which is perceived by many security services as a dubious operation.

Carefully: the bank can block the card (after all, its replenishment does not come from Russia).

Withdraw WMZ to SKRILL

transfer to foreign cards (including a Skrill debit card), guaranteed, profitable withdrawal of amounts in $ from a WMZ wallet, including large ones

If you live in a European economic zone SEPA or Of Russia, then this method is the most optimal for you. It is also useful for Russian citizens who plan to transfer their WMZ to Bitcoin or withdraw money to a foreign card.

Skrill and Webmoney

Webmoney Telepay system interface. Clickable.

The scheme is remarkable in that you can transfer WMP directly to a ruble card without converting to dollars. The money goes well to Alfabank and ruble Tinkoff. The disadvantage of the scheme is that high commissions and low limits are applied.

Commission: from Webmoney 0.8% + from TelePay ( 2,5% + 40 WMR).

Telepay limits:

1. Only cards accepted, Mir, MasterCard or Visa, not accepted virtual and prepaid cards. Mandatory 3D Secure support and the ability to accept payments via Visa Transfer / Direct and Mastercard Moneysend.
2. The scheme is suitable only for citizens of the Russian Federation.
3. LIMITS: 35,000 WMP per translation and 100,000 WMP per month with formal certification. Starting from personal: 60,000 WMP per translation and 200,000 WMP per month.

On the Visa cards money comes instantly, on MasterCard - within 3 days... It can be displayed on any cards (there is no verification of belonging to a specific person).

Withdrawing WMR to the card via C2C Webmoney

for those who are not in a hurry, medium-sized amounts (by payment card number), only WMP wallet

C2C Webmoney system interface.

The work takes place through the service c2c.web.money... And only to Russian... Method for citizens of the Russian Federation... Necessarily needed initial certificate.

The scheme is as follows: specify the amount, pay for the application, then the system automatically selects the executor for your application. It can be split into small amounts and executed in parts.
Attention: A large number of transfers for small amounts may be of interest to your bank.

Withdrawal commission: 2% + standard 0.8% from Webmoney... The minimum wage is 100 WMP (the limit is 50,000 WMP - at a time, 90,000 WMR - per day and 600,000 WMP per month), withdrawn from the account in amounts that are multiples of 100. Available starting from formal certificate. Commission for entering the system (replenishment of the Webmoney wallet): up to 2700 rubles - 50 rubles, when depositing from 3000 rubles there is no commission.

A significant drawback of this method is time (the operation can take a long time). One thing pleases - the amount will be returned if, after the expiration of the period, the application is not processed. Even the commission. If you are not in a hurry for money, then you can use this option.

Withdraw WMR via Cards Exchanger

In the same bundle, it is appropriate to mention one more service. Cards.Exchanger... Its functionality resembles the Wire exchange with bank accounts, only here applications are left for withdrawal precisely by the card number. This is also an exchange. Only for citizens of the Russian Federation, cardholders of Russian banks. Performers are third-party people and services. The guarantor of transactions is Webmoney, but the responsibility for the transaction lies directly with the participants.

Commissions: you can find applications starting from 2%(+ 0.8% from WebMoney)

Webmoney and cryptocurrency in 2020

The demand for cryptocurrency has increased significantly. The Webmoney system can be quite effectively used to speculate on the price of cryptocurrencies ( Recall that the system has a special WMX wallet tied to the value of bitcoin). Wmx can be bought from any available Webmoney wallet (WMZ, WMR and others) both within the system and on the internal exchange wmx.wmtransfer.com(the most advantageous option) between the participants of the system. We note separately that 1 BTC is equal to 1000 WMX... It is according to this scheme that you need to calculate when you will carry out transactions. If anything, then the exchange itself will tell you, you won't be mistaken.

The main advantages of WMX: instant transactions and a commission of only 0.8% (that is, standard from Webmoney).

Entering a crypt in Webmoney

What to do with a pseudonym passport?

For example, buy a train ticket, goods in a store and book a hotel for Webmoney

An alternative way of withdrawing from Webmoney is to buy a plane, train or hotel ticket for WebMoney! This is often in demand, even in spite of possible service markups!

Why not? A good option taking into account the fact that the official website of Russian Railways does not accept WebMoney for payment, and even more so the popular Booking.com service does not do this when it comes with hotels.

Webmoney can also be spent in large stores such as Aliexpress or Wildberries... And also withdraw to the phone (albeit very scanty limits).

And even return some of the funds from the purchase (cashback)!

Since 2017 launched bonus system Webmoney Bonus, which allows you to return part of the funds from the purchase and thereby level the commission value of 0.8%. 🙂 In fact, this is a cashback service, but from the WebMoney system ( what is cashback service?). The money is paid to the Webmoney wallet. For example, on "Aliexpress" their rate is 6%.

Travel for Webmoney

You can buy a ticket and book a hotel stay directly on the official Webmoney Travel service. Or contact third-party companies: Aviasales, Tutu.ru and Pososhok.ru (here, however, only travel and air tickets). We are sure that it is possible to find an acceptable offer in this variety. Compare prices on designated sites and buy where it is convenient and profitable. You do not need to spend money on withdrawing funds from your wallet, because you can get a ticket by simply paying for a ticket or staying at a hotel / hostel for Webmoney 🙂

You can also try to pay for other goods or services where you can pay for Webmoney. For example, some Internet service providers. If you work in the IT field, then finding a way to sell your WMR and WMZ is much easier - more offers! 🙂

WebMoney is the most secure service, the money on it will be completely safe. QIWI is distinguished by fast registration in the service. Your phone number will be the wallet number. Yandex.Money also has its advantages: relative protection and easy registration. The wallet starts automatically with the registration of mail on Yandex.

How to withdraw money from WebMoney

WebMoney is one of the most popular e-wallets. Since the service does not have its own payment card, like QIWI and Yandex.Money, to withdraw cash you have to use all kinds of services and exchangers.

One of the most accessible services for withdrawing money to the card of Sberbank and other banks is https://c2c.web.money/order/create. However, this service does not recognize all bank cards. Withdrawals to the most common cards are carried out with a commission of 2.5% within three days. If money is not transferred to your card, then you can use one of the many exchangers: for example, http://xrates.ru/.

The second way to withdraw money from WebMoney is to the Megafon card, which has begun to gain popularity. In fact, there is as much money on the card as is on the phone account. Therefore, it is enough to simply transfer the required amount to the Megafon phone account with a standard WebMoney commission of 0.8% and the money will immediately appear on the card. You can withdraw cash from the card at an ATM of any bank with a commission of 2.5%.

Another convenient and quick way withdrawing money from WebMoney - use the money transfer systems Unistream, Contact and others. To make a transfer, you need to transfer money to phones (the most profitable are MTS and Beeline - from 3.5% to 4.5%) and from phone accounts, using the online account, to issue a transfer to Unistream. Money comes almost instantly. You can get a Unistream transfer at Unistream cash desks and in many banks serving these transfer systems. This also applies to other translations.

If you do not need to quickly receive money, you can use other methods of cash withdrawal:

• directly through the money transfer systems https://perevod.webmoney.ru/ by creating an application;
• Bank transaction within one day, also through the creation of an application https://wire.exchanger.ru/asp/List.aspx;
• through VM dealers, withdrawal is carried out instantly, but the working hours of dealers or exchange offices need to be found out in advance;
• cash will be sent by postal order within 5 days to the nearest branch of the Russian Post;
• through the exchanger.ru exchange.

How to withdraw money from QIWI

QIWI is the second most popular e-wallet. Kiwi's popularity is due to the ease of registration. Your phone number of any mobile operator is an e-wallet number. Personal data, passport data at registration and to receive cash is not required. So, how to withdraw cash from Qiwi.

In some ways, it is easier to work with Qiwi than with WebMoney, thanks to the presence of a Qiwi plastic card. The balance on the card is equal to the balance in the wallet, no additional manipulations need to be done. To withdraw cash from a Qiwi card, you will have to pay a commission of 2% plus 50 rubles.

Again, a convenient way to withdraw cash remains on the Megafon plastic card that has analogues in the world. Money is transferred from qiwi to Megafon without interest. The maximum amount of one payment is 15,000 rubles.

The following withdrawal methods are also available:

1. to a bank card - 2% + 50 rubles;
2. to a bank account - a commission of 1.6% not less than 100 rubles;
3. through money transfer systems - commission 2% + 50 rubles;
4. via Russian post - commission 2.5% + 60 rubles.

How to withdraw money from Yandex.Money

The methods of withdrawing money from the Yandex.Money system do not differ from Qiwi. There is even a Yandex.Money card in circulation, the withdrawal from which is 3.5% + 15 rubles, but not less than 100 rubles. Transfer to a card of any bank will also be made with a commission of 3% + 15 rubles. Transfers to a bank account and through money transfer systems are also available with the same commission.

I don't know about you, but when I cash out Bitcoin or any other currency, I pay attention to 2 parameters: the security of the transaction and the best exchange rate. But, the fact is that many beginners think only of the best course, forgetting about the risks.

In this article, I will talk about how to change Bitcoins at the best rate and even compare the rates of different services. In addition, I will explain what to fear when cashing cryptocurrency and what risks await users.

Important! If you do not plan to cash out large amounts of Bitcoin and are not afraid of card blocking and tax, then you can skip the section with security. Click and go directly to the withdrawal methods.

Do you want to earn cryptocurrency? See how I multiply my Bitcoins. First goal: 10 BTC on the exchange!

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Exchange security. How to cash out Bitcoins in Russia without risk?

Usually, when they talk about the security of exchanging Bitcoins for rubles, they mean the risks that an exchanger or exchange will steal your money. But, in fact, exchangers work very professionally, and your money is more likely to be blocked by a regular bank.

Blocking of funds by the bank.

Russian banks are forced to block suspicious transactions because of 115-FZ ("On Counteracting Legalization (Laundering) of Criminally Obtained Incomes and Financing of Terrorism"), otherwise they risk losing their license.

Thus, if your receipt seems suspicious, the bank will block your funds and require you to provide proof that the money was earned honestly.

At the moment, cryptocurrency is not regulated by law, so banks are reinsured and often do not side with the client. They can permanently block your card, account, and sometimes money. It is also possible that they will ask you to pay taxes on the withdrawn amount.

By itself, the withdrawal of cryptocurrency from your wallet does not contradict the law, but if you withdraw money by exchange (through an exchanger or a private money changer), then think in advance what story you will tell the bank employee and what evidence you can provide.

If you withdraw cryptocurrency from the exchange, then, at first glance, you are acting according to the law. But some banks may feel that trading on a cryptocurrency exchange is a form of entrepreneurship. Even if you are registered as an individual entrepreneur, it is better to clarify in advance whether the bank allows clients to use their personal plastic cards for business activities. If not, the card will be blocked for you, but the money will be returned through the cashier.

Thus, according to banks, you should withdraw bitcoins through the exchange to the account of the individual entrepreneur. In this case, there will be no questions for you.

How to secure receipts from blocking?

• Do not transfer large sums at a time. Do not withdraw 500 tr at once, stretch the withdrawal for a week or two. Make better 10 transactions of 50 tr.
• Use multiple cards. Get cards in several banks and distribute transactions between them. You can also connect cards of friends and relatives.
• Don't cash out. If you transferred money to a card and immediately withdrawn it, this is a signal to the bank that you are cashing out. Let the funds lie down for a couple of weeks, transfer them to a deposit, pay with this card in stores.
• Become a good customer for the bank. As practice shows, if a client has credit card bank, loan, deposit, certain status (privileged client), etc., then the risk of blocking the card is reduced significantly.

In general, if you make several withdrawals per month for amounts not exceeding 50 tr., Then the risk of blocking is very low. With an increase in the one-time amount and the monthly amount of withdrawn funds, the risks also increase.

Is it legal to cash out Bitcoin in Russia in 2019?

As you know, our country is not very fond of cryptocurrencies. Therefore, before you cash out Bitcoin in Russia, you need to find out how safe it is. Will you fall under any article?

If you have heard the joke about Schroedener's cat (who is both alive and dead at the same time), then you will easily understand the status of cryptocurrency in Russia. It is neither prohibited nor permitted.

That is, there are no laws governing Bitcoin. The legislation is still under development.

Therefore, even if you cash Bitcoin straight into cash rubles or dollars, you have nothing to fear. You are not breaking any law.

But how can this be? We heard about criminal cases for cashing out cryptocurrency! For example, this is a high-profile case.

Yes, there was some high-profile news about the arrest for cashing Bitcoin. But always the reason for the arrest was not the very fact of exchange, another crime. For example, selling drugs for cryptocurrency.

With regard to the case described above, people were accused of illegal banking... Such an article definitely does not threaten you.

Therefore, if you are an ordinary person (not entity) and want to withdraw Bitcoin by exchanging it for fiat currency, then you have nothing to fear.

Do I have to pay taxes when cashing Bitcoin?

Let's start off with. that the state really wants you to pay more taxes. Therefore, it is understood that you must pay tax on any income.

Let's say you bought 1 Bitcoin for $ 5,000, sold for $ 10,000, and made a profit of $ 5,000. With this money, you must pay income tax, that is, 13%.

Accordingly, this income must be indicated in the tax return. And the declaration itself has been submitted to the tax office.

But first, cryptocurrencies are anonymous. Therefore, it is almost impossible to trace where the money came from and what is the basis for the transfer. And if you withdraw Bitcoins immediately into cash, then government bodies do not know anything about your income at all.

Secondly, it is impossible to prove that this is income (of course, if you do not tell the tax authorities about it yourself). You can always say that this is a loan or gift that is tax-free.

Third, it is not clear how to calculate income. For example, you cashed Bitcoin and received $ 5,000 for it. It seems that you have to pay tax on profits, right?

What if you bought it for 10,000? This means that you are at a loss and do not have to pay anything. But it is not clear how you can prove this to the tax authorities. And it is even less clear how the tax authorities will be able to prove the opposite.

While the legislation is not yet ready, the tax authorities show little interest in cryptocurrency revenues.

To pay taxes on Bitcoin cashing or not? Everyone decides for himself. Do I pay taxes on cryptocurrency? Yes, I'm crying.

Offshore card.

Many users think that if they use an offshore card, then they are 100% tax protected. In fact, this is not the case.

Indeed, a bank in Panama will not transfer to a Russian tax information about your account. But payment systems Visa and Master Card will be transferred.

In general, as far as I know, there is no tax police in Russia dealing with individuals that would track your transactions. But if they are interested in you, they will easily get information about transactions on your offshore card.

1. How to withdraw Bitcoins from a wallet to a bank card?

There are 2 popular services with which you can withdraw Bitcoin to your bank card: BestChange and LocalBitcoins. Let's immediately compare where the exchange is more profitable.

At the time of this writing, the Bitcoin rate was 670,941 rubles according to the coindesk.com exchange.

Rate according to coindesk.com.

At BestChange, when trying to exchange Bitcoins for a Sberbank card, the maximum rate was 675 659 rubles.

Monitoring of exchangers.

At the same time, the rates on LocalBitcoins turned out to be more profitable. For one Bitcoin, they offered more than 700 thousand rubles.

Localbitcoins exchange rates.

It should be borne in mind that the course is constantly changing. Moreover, it is influenced not only by the exchange rate of the cryptocurrency, but also by the difference in supply and demand for a particular service. For example, if at the moment a surge in activity has begun and people have begun to intensively buy Bitcoins through exchangers, but at the same time they have begun to sell less, then the exchange services will make the Bitcoin purchase rate much higher than the exchange rate, but the selling rate will also be raised above the exchange rate, that is, it will be very beneficial to those who want to exchange this cryptocurrency for rubles.

1.1. Withdrawing Bitcoin to the Sberbank card through the monitoring of BestChange exchangers.

This service brings together the best internet exchangers. An exchanger is a service where you can exchange one currency for another by paying a small commission. For example, you translate Ivanov I.I. Bitcoins to his wallet, and he transfers rubles to you from his card to yours.

All exchange services are sorted here according to the best exchange rate. It also shows the current amount that each exchanger has and reviews about it.

How to exchange Bitcoins for rubles using BestChange?

1.2. Withdrawing Bitcoins to rubles via LocalBitcoins.

This is a service that, in its principle of operation, resembles an exchange. He acts as an intermediary between 2 people, one of whom wants to sell Bitcoins, and the other wants to buy. On LocalBitcoins, you will find not only an offer from professional exchangers, but also from ordinary people.

Let's talk a little about security first. If you are selling Bitcoins, then you don't need to worry about security at all. The fact is that the exchange of Bitcoins takes place through the service: first, the seller transfers them to the wallet in LocalBitcoins, then after the start of the exchange, the cryptocurrency is blocked, and after confirmation of payment, it is automatically transferred to the buyer's account.

That is, your Bitcoins will not be transferred to another person until you see the money on your card and click on the “Confirm receipt” button.

In addition, each member of the service has reviews, ratings, percentage of successful transactions, etc. People spend a lot of time and effort to improve their reputation and will not throw anyone for the sake of a few thousand rubles. If you are a beginner, then you will have limited exchange amounts available until you gain enough reputation.

How to exchange Bitcoin for rubles using LocalBitcoins?

Step 1. Go to the Localbitcoins.net website, go through the registration procedure and confirm your E-mail. It is advisable to verify your phone and identity, as well as establish two-factor authentication.

Step 2. We replenish the internal wallet. To do this, click on "Wallet", then on "Get Bitcoins". After that, transfer the required amount to the address shown below. After the transfer, the money will appear in your internal wallet.

We replenish the internal wallet.

Step 3. Go to the "Sell Bitcoins" tab, click on "Show more" and select "Transfers through a specific bank".

Go to the "Sell Bitcoins" tab

Then select the user you like (pay attention to the reputation, percentage of successful transactions, exchange amount) and click on the "Sell" button.

Step 4. Submit a trade request. Enter the amount you want to change and click on the big green button. It is advisable to write a message to the seller, greet and indicate the card for translation. But this can be found out in the process of communication.

Step 5. After the seller transfers money to your card, you need to confirm receipt of money and the frozen Bitcoins will be transferred to his account. After the operation, rate the seller and leave a review.

1.3. Withdrawing money from a Bitcoin wallet via a Telegram bot.

These bots work on the same principle as the LocalBitcoins website. Only all operations take place in the interface of the Telegram messenger. The rate here is more profitable than on BestChange and is about the same as on LocalBitcoins.

The exchange takes place in the same way as in the previous service:

• We register in Telegram (if not registered) and add the bot BTC_CHANGE_BOT (BTC banker). We choose Russian and agree to the terms.
• Go to the wallet and transfer Bitcoins to your internal address.
• After the cryptocurrency is displayed in the wallet, click on the "Sell Bitcoins" button and select the desired bank.

We sell Bitcoins through a bot.

• Now you will see a list of people who are ready to buy your Bitcoins for rubles. By clicking on each of them, you can view information about each seller.
• After choosing the seller, we start the deal. To do this, we follow the requirements of the bot: we indicate the exchange amount, details.
• After the seller transfers the money to your card, you will need to confirm the receipt of money and the Bitcoins will be sent to the seller's wallet.

1.4. Withdrawing Bitcoins to the card via Webmoney.

This method has several advantages. Firstly, this is a more profitable course (read more about this below). And, secondly, the withdrawal by bank transfer is available. This withdrawal method is considered official by Webmoney, so you can withdraw relatively large amounts without fear of blocking your account.

Keep in mind that for a transfer to a card, you will have to pay a commission of 2-3%: 1-2% for the operation, plus the standard WebMoney commission - 0.8%. For a bank transfer - 15 rubles plus 0.8%, the transfer period is from 1 to 5 days.

How to withdraw Bitcoins to rubles to a Sberbank card using Webmoney?

• To transfer small amounts, it will be enough to receive a formal passport. But, if you plan to frequently withdraw money through WebMoney, then it is recommended to get an initial passport. By the way, this can be done through the website of the State Service.
• We start a WMX wallet - this will be your Bitcoin wallet in the Webmoney service. Click on the top up button and see the address to which you need to transfer Bitcoins.

We transfer Bitcoins to WebMoney.

• After transferring Bitcoins, they will appear on your balance. Click on the "Change funds" button. In the window that appears, change WMX to WMR. Now you have rubles on your WebMoney and you need to withdraw them.

Choosing a withdrawal method.

• Now you can withdraw money to any card by paying a 2% commission. But such an exchange will be carried out through the internal WebMoney exchange, so this method is not so reliable. The second option is to link the card to the WebMoney service.

Withdrawal conditions.

• In order to make a withdrawal by bank transfer, go to your WMR wallet and click on the "Withdraw funds" button and select "Bank transfer". Then you will need to enter your account details: BIK, Corr. account, current account number, TIN of the bank and the amount of payment. After that, check and pay this invoice.

1.5. How to withdraw money from a Bitcoin wallet through exchanges?

There are not many exchanges that allow you to withdraw rubles to a plastic card or bank transfer, and in general, not all cryptocurrency exchanges work with fiat money.

There is one exchange that is often used to withdraw rubles to the card. It is called EXMO.

Using EXMO as an example, you can see what conditions await those who decided to cash out Bitcoin in this way. The commission is not very big - 3% + 50 rubles. But the limits interfere with working with really large amounts: 15,000 rubles for one withdrawal and 600,000 rubles per month.

To be honest, I trust exchangers and Webmoney more than such exchanges.

How does the withdrawal take place?

• Transfer Bitcoins to the exchange. To do this, you need to send the currency to your internal wallet of the exchange.

We transfer Bitcoin to the exchange.

• Exchange them for rubles. This can be done either through the exchange itself or through the internal exchanger.

We exchange for rubles.

• Withdraw rubles to the card. There are several ways to withdraw. In our case, this is a bank transfer and withdrawal to the card. As you can see, withdrawal to the card on EXMO is more profitable.

We order a withdrawal.

Do not forget that in order to fully use all the exchange tools, you need to go through verification.

The two most popular ways to withdraw BTC. Where are the best courses?

Yes, now you know a sufficient number of tools with which you can withdraw Bitcoin into rubles or dollars online. But which one is the best? Where is the most profitable course.

Now you don't have to go to all these services and compare courses. I did it for you.

I compared all the conditions for the most popular exchange directions: BTC - Sberbank and BTC - Qiwi. Let's see what I did.

How to withdraw Bitcoins to a Sberbank card at the best rate?

Let's see in practice, how is it most profitable to withdraw Bitcoins to the Sberbank card? To do this, let's compare the courses of the most popular tools and choose the best one.

Sberbank is the most popular Russian bank. Most citizens have a card from this bank, so this withdrawal method can be considered the most convenient and popular.

It is now February 2019. According to coinmarketcap.com, the dollar exchange rate is $ 4,190.

Price based on coinmarketcap.com data.

The dollar rate is 65.51. So 1 BTC costs about 274,500 rubles.

Dollar to ruble exchange rate.

Let's say I want to exchange 0.1 BTC for a Sberbank card at the best rate (I took this amount for a more convenient account). How can I do this in the most profitable way and not lose extra money on the course and commissions?

To do this, let's compare all the conditions and choose the best:

• BestChange.

BTC to Sberbank exchange rates on Bestchange.

This service shows that you can withdraw money from Bitcoin to a Sberbank card at the rate of 272 065. That is, for 0.1 BTC I will receive 27 206 rubles on the card.

• Localbitcoins

Exchange rates BTC to Sberbank to Localbitcoin.

At Localbitcoins, the rate is 274,000. This means that when I withdraw 0.1 Bitcoin, I will receive 27,400 rubles for Sberbank.

• Telegram bot.

Conditions for exchanging BTC for Sberbank in the Telegram bot.

BTC_CHANGE_BOT offers to exchange 0.1 BTC for 26,548 rubles.

• EXMO exchange.

The exchange rate of BTC to Sberbank on the exchange.

The exchange rate is 270,000 rubles for 1 Bitcoin. You also need to take into account the 3% commission for the withdrawal. That is, when exchanging 0.1 BTC for a card, I will receive 26 190 rubles.

Sberbank results:

So what is the most profitable way to withdraw money from a Bitcoin wallet to a Sberbank card?

Comparison of BTC rates - Sberbank for February 2019.

As you can see, BestChange and Localbitcoins offer the best rates. The worst exchange rate on the exchange.

How to withdraw Bitcoins to Qiwi at the best rate?

The second most popular BTC withdrawal destination is the Qiwi wallet.

A large number of people use this payment system. Internal transfers can be made here without commission. There are Qiwi terminals all over the country where you can replenish your account.

I myself actively use this payment system. I even have their plastic card.

Let's see how it is most profitable to withdraw Bitcoins to a Qiwi wallet?

To do this, let's compare the exchange rates. Let me remind you that the current exchange rate for today (February 2019) is 4190 dollars or 274,500 rubles for 1 BTC.

• BestChange.

BTC exchange rates for Qiwi on Bestchange.

According to the results of sorting, the best bitcoin withdrawal rate to Qiwi turned out to be 271,280. That is, when exchanging 0.1 BTC, 27,138 rubles will come to my wallet.

• Localbitcoin.

BTC exchange rates for Qiwi on Localbitcoins.

Here the rate is 274,500 rubles for Bitcoin. So you can exchange 0.1 BTC for Qiwi for 27,450 rubles.

• Telegram bot

Conditions for exchanging BTC for Qiwi in the Telegram bot.

BTC_CHANGE_BOT offers to exchange 0.1 BTC for 26 403 rubles.

• EXMO exchange.

BTC exchange rate for Qiwi on the exchange.

As I wrote above, the exchange rate is 270,000 rubles for 1 Bitcoin. And if you take into account the commission of 3% for the withdrawal, then when exchanging 0.1 BTC for a wallet, I will receive 26 190 rubles.

Results for Qiwi:

In this direction of exchange, we also managed to find out the best exchange rate.

Comparison of BTC - Qiwi rates for February 2019.

As you can see, Localbitcoins offers the best Bitcoin withdrawal rate to Qiwi. Moreover, the rate here is equal to the official one. The most disadvantageous rate is again on the EXMO exchange.

2. Anonymous debit cards.

Now each payment system is trying to issue its own plastic card linked to its internal account. Usually, they make it possible to pay for purchases in regular stores or online without a commission, which is very convenient - you can not cash out at all. It's so convenient that my wallet is already bloated with different cards.

The idea is simple and straightforward. You get money on Qiwi - you pay with a Qiwi card, you get money on Yandex - you pay with a Yandex Money card, you get on AdvCash - you pay with an AdvCash card (which will soon be blocked by everyone who does not live in the EU).

Well, Bitcoin wallets did not lag behind other payment systems and issued plastic cards tied to the balance of these wallets. These cards can be used to pay in online and ordinary stores, as well as withdraw money from ATMs. Bitcoins are converted into the card's currency at the current exchange rate. But the problem is that almost all such cards are available only to residents of the European Union.

There remains the option of transferring Bitcoins to one of their anonymous payment systems, converting them into dollars and withdrawing them through the card of this payment system through an ATM. But here, too, the same problems await us as in the case of Bitcoin cards. For Russians, most of these cards have already become unavailable for order, and the issued cards will stop working in January 2018.

Most likely, in the near future, all anonymous bank cards will be banned for residents of Russia. But for now, it remains possible to withdraw Bitcoins in this way. For example, at the moment Russians still have access to the Money Polo card, which works with the OKPay payment system.

Withdrawing through an anonymous card will require you to pay a relatively high commission. The commission is usually paid for transferring money to a payment system wallet, transferring money to a card and for withdrawing from an ATM. If you plan to withdraw money in rubles, then prepare to pay also for currency conversion.

As you already understood, money is withdrawn in the following way: transfer money to the payment system (by official means or through exchangers), put it on the card and withdraw it from the ATM in the currency of the card or rubles.

3. Withdrawing Bitcoin from the wallet to cash rubles.

There is another way to cash out cryptocurrency. The exchange is carried out without the participation of banks, that is, immediately in cash through the exchanger.

On the one hand, this is convenient, since the bank will not be able to block the transaction, and the tax office will not receive information about your income. On the other hand, high commissions and high risks await you.

3.1. How to withdraw Bitcoin from a wallet through an exchanger.

There are exchangers that are ready to exchange your cryptocurrency for cash. Almost all of them are concentrated in large cities: Moscow, Saint Petersburg. But if you're going to change really large sum then this is not a problem. For the sake of this, you can go to another city, and for a fee, the courier himself will come to yours.

Some exchangers offer anonymous exchange service. That is, you transfer Bitcoins and receive information about the place where the bookmark with your money is located. But I think you understand how risky such an undertaking is. There may not be money in the specified place and then you will not prove anything to anyone.

How to safely cash out Bitcoin in Russia?

• Go to the site of the exchanger that offers a cash exchange service. Say how much you want to exchange, or leave a standard application.
• After a while (from several hours to a day, depending on whether the required amount is in the cash register), you come to the office of the exchanger and transfer Bitcoins to the specified address in the presence of the operator.
• After several confirmations of the transaction, you withdraw your money.

The commission for such services starts from 3-4%. The exchanger can be found, for example, on the BestChange website. Just specify the appropriate exchange direction: Bitcoin - Cash.

Please note that the rate may be less favorable than when exchanging for a bank card.

The rate of withdrawal to a bank card.

Cash withdrawal rate.

Is this exchange legal?

At the moment, according to our legislation, Bitcoins are incomprehensible candy wrappers from the Internet. And the exchange of candy wrappers for money between two individuals is quite legal.

Above, I have already talked about the resonant detention in Russia of a group of people involved in cashing Bitcoins. But these people are detained for illegal Bank operations that you are not threatened. The exchange of Bitcoins itself is not penalized.

3.2. Through WebMoney.

Above, I already wrote about how to transfer Bitcoins to the WebMoney wallet. Only in this case we do not withdraw money from a card, but through the official exchangers of this payment system.

Advantages of official WebMoney exchangers:

• There are more of them. If ordinary exchangers are located only in Moscow and St. Petersburg, then there are WebMoney exchangers in almost all cities with a population of over one million.
• Higher trust. Such exchangers are opened only with the permission of the WebMoney payment system and are controlled by it. In the event of the provision of low-quality services, WebMoney may revoke the license of the exchanger.
• Contract for services. An agreement is concluded with clients even before the exchange is carried out. Accordingly, in this case, you will be protected from potential fraud.

How to make an exchange?

• Go to the WebMoney website, find a page with information about official exchangers and enter the city you are interested in. If there is no exchanger in your city, then check the cities closest to you.

Check if there are exchangers in your city.

• On the exchanger's website, we leave a request for an exchange.
• We receive a service agreement signed by the exchanger.
• We transfer money to the specified details.
• At the specified time, we arrive at the office and collect the cash.

Instructions from one of the exchangers.

3.3. Conclusion through private money changers.

On the LocalBitcoins website, on cryptocurrency forums, on the corresponding Telegram bots, etc. you will be able to find people who are engaged in exchanging bitcoins for cash. Here again you will encounter the fact that most of them will be concentrated in large cities. Hopefully, you do not need to tell anyone in advance. money cannot be transferred. It is best to make an exchange directly on the spot, for example, by meeting in a cafe.

4. Withdrawing money from Bitcoin wallets through ATMs.

Another way to cash out Bitcoins, which cannot be ignored, is ATMs. Again, this method is still available only to those who live in large cities.

At the moment, this withdrawal method is not very popular. Firstly, they ask for a large commission for cashing out: up to 11%. Secondly, it takes a long time, since you have to wait for the confirmation of the transaction.

Comparison of withdrawal rates.

In order to check the most profitable way to cash Bitcoin into rubles, I decided to compare exchange rates on several services at the same time.

At the time of the experiment, Yandex showed the bitcoin rate of 967,650 rubles for 1 BTC (according to coindesk.com).

Bitcoin to ruble rate.

Step 1. Now, let's say that we will withdraw this cryptocurrency through exchangers. Then let's take a look at the course at BestChange.

Courses at Bestchange.

As you can see, the most profitable exchangers offer from 920 to 926 thousand rubles for 1 BTC. The best rate at that time was 926,960 rubles.

Step 2. Let's see what LokalBitcoins has to offer. The rate here is usually higher.

Courses at Localbitcoins.

As expected, the course pleased me. You can exchange Bitcoins at a price of 980 - 991 thousand rubles for 1 BTC. The best rate is 992,003 rubles.

Step 3. Now let's try to make an exchange through the EXMO exchange. For example, let's use the standard exchanger of this service.

Exchange rate on the EXMO exchange.

The exchange rate is 987,948 rubles for 1 BTC. Decent rate, but do not forget that you will have to pay 2% for the withdrawal. It turns out: 978 948 - 2% = 959 369 rubles - this is how much you get on the card by paying a commission. This will be the real course.

Step 4. Let's see what WebMoney will offer. Bitcoins are exchanged for rubles on the internal exchange of the payment system.

Exchange rates on WebMoney.

Here we see rates from 1021 to 1034 thousand rubles for 1 BTC. Take, for example, the rate of 1,030,000 rubles. For withdrawal by bank transfer, you will pay a commission of 0.8%, that is, 1,030,000 - 0.8% = 1,021,760 rubles. When withdrawing to the card, the commission will be 2.3%: 1,030,000 - 2.3% = 1,006,310 rubles. When withdrawing through the exchanger, the commission will be from 3.8%. Let's calculate: 1,030,000 - 3.8% = 990,860 rubles.

Total.

As you can see, WebMoney is currently offering the best exchange rate. Even withdrawing to cash through official exchangers is more profitable here than cashing out to a card. But, you need to keep in mind that in order to fully work with this payment system, you need to go through verification.

FAQ.

In this section, I decided to collect the most frequently asked questions on Bitcoin withdrawal.

1. What is the most profitable way to withdraw money from WebMoney if bank transfer is not available?

The rules for withdrawing money from WebMoney change very often. The methods that work now may become unavailable in the near future. At the same time, at the moment, WebMoney has the best bitcoin-to-ruble exchange rate (of the methods that we discussed above), so it is profitable to use this payment system.

Firstly, if you withdraw money through official exchangers, you will pay a commission of 3.8-4.8%. But still it will be one of the most profitable ways withdraw Bitcoin. There is one more convenient way withdrawing money from WebMoney in Russia: bank cards of telecom operators.

For example, Megafon or Beeline cards. You just replenish your phone balance and the money will automatically appear on the card linked to the number. You can get such a card at the offices of mobile operators. It is not personalized, so you will spend no more than 5 minutes to receive it.

The downside is the restrictions on replenishment. Only 6,500 rubles a day (about 200,000 rubles a month). At the same time, the commission for replenishment is only 0.8% (standard WebMoney commission). Not suitable for large amounts, but quite suitable for ordinary use. ATM withdrawal fees start at 3%. You can pay with this card without commission.

2. What method of withdrawing Bitcoins do I use myself?

I used to withdraw Bitcoin through exchangers. Obviously, there was not the best course there, but, nevertheless, this is the most convenient way. And the Bitcoin rate is growing so quickly that you can not pay attention to their commission.

So the search for another withdrawal method was not determined by the exchange rate, but more is insurance against blocking receipts by banks. Therefore, now I stopped at WebMoney and received the necessary certificate for working with large sums.

I got myself a Megafon card and am withdrawing money to it. This is very convenient for me, because I always pay by credit card anyway. Replenishment of the card is limited to 200,000 rubles per month - this amount is quite enough. If I need to cash out a larger amount, then I will use the official exchange office, since they are available in almost every major city.

3. How to withdraw Bitcoins to Qiwi wallet?

Withdrawing Bitcoins to Qiwi is not much different from. You can use the same tools.

• Withdraw Bitcoin to Qiwi using BestChange. Indicate the exchange direction "Bitcoin - Qiwi" in the table. Exchangers will be sorted according to the best rate and you just have to go to one of them and make an exchange. You will transfer Bitcoins to the specified Qiwi wallet, and in return you will receive rubles or dollars to your wallet.
• Withdrawing Bitcoins to Qiwi using LocalBitcoins. Immediately on home page site, you will see offers to buy your Bitcoins for rubles or dollars of the Qiwi payment system. So you will need to choose the best offer for you and make an exchange.
• Withdrawing money from a Bitcoin wallet to Qiwi using a Telegram bot. Exchange here is carried out in the same way as for a bank card. The process itself resembles working with LocalBitcoins.

How to withdraw Bitcoins to Yandex Money?

Yandex Money is a popular payment system in Runet. The process of withdrawing Bitcoins to Yandex Wallet itself is similar to the process of withdrawing to the Qiwi payment system.

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Withdrawing money from an LLC current account is not as easy as from an account individual entrepreneur... So that employees of tax structures do not have questions to the head of the company, any financial transaction, including those related to the withdrawal of funds, must be fully justified. Unlike an individual entrepreneur with the status natural person, LLC cannot perform this manipulation using a simple bank transfer, but this does not mean that there are no withdrawal methods. You can withdraw money from the LLC current account using the methods described below.

Please note that any operation related to the movement of funds is performed only if there are certain reasons. In case of non-observance of this rule, the head or accountant of the company may be held liable in the form of imposition of penalties. Therefore, all manipulations with money must be carried out through the accounting department and have legal grounds.

Options for withdrawing funds from the settlement account of LLC

There are 5 most popular ways that a company manager can use to withdraw funds. The article provides detailed information about the nuances and features of each method. After reviewing the material presented, you can choose the most suitable option for implementing your plans.

Transfer of funds to an individual's account by concluding an agreement

The basis for transferring funds to an individual's account may well be a service agreement. In this case, the transfer of money will not raise additional questions from the tax authorities, since the operation is justified. In addition to the contract, you will need to draw up an act of work performed, for which the transferred funds will be paid.

Please note that when drawing up a contract for the provision of services or performance of work, it is necessary to take into account the scope of the LLC. The discrepancy between the provided service and the direction of the company may raise suspicion among the regulatory authorities. The disadvantage of this method is the fact that when transferring funds to an individual's account, a tax of 13% is withheld.

Loan processing

An alternative way to transfer funds is to apply for a loan. The head of the company, however, like any other employee of the company, has the right to ask the company for a loan.

The advantages of the method:

1. You can get a loan at a minimum interest rate, including a zero one. In the case of a loan at zero interest, personal income tax is deducted from the entrepreneur;
2. the term of the contract is not limited, that is, you will not have to return the money in the near future;
3. money is transferred to the personal account of a businessman or it can be received through the cashier;
4. there are no limits on the size of the loan.

Note! If the founder has not returned the loan within 3 years, the funds received are transferred to the category of income, respectively, a tax of 35% is withheld from the entrepreneur. Plus, you will need to pay an additional 13% personal income tax. Based on the foregoing, we can conclude that this method of withdrawing money is the most unprofitable.

Withdrawal of money on account

This opportunity can be used by any member of the company who is officially listed in the personnel staff of the company. Unlike the previous method, this withdrawal option has some limitations. So, you can transfer only the amount that is spelled out in the contract. At the same time, the company's agreement, as a rule, contains information regarding the timing of the provision of accountable funds.

In case of untimely repayment of the debt, 13% of personal income tax is withdrawn from the borrower, since these funds are transferred from the loan category to the income category. If an employee does not pay the required amount (13% of personal income tax) on a voluntary basis, it can be withheld from other types of his income.

Transfer of dividends, peculiarities of the operation

The option of transferring funds as dividends is possible. A member of the company has the right to dispose of the company's money, which remains after all mandatory taxes and fees have been paid.

In this case, some nuances should be taken into account:

• the company's activities should be profitable;
• the amount of dividends is established in accordance with the agreement;
• dividends are distributed among the members of the company in certain shares;
• tax burden - 9%.

Note! Payment of dividends is not made if the amount of profit to be distributed among the members of the company is less than the reserve capital established in the agreement.

Dividends are transferred in the following order:

1. holding a meeting, the purpose of which is to draw up a protocol on the payment of dividends. All founders of the company must be present at the meeting;
2. execution of documentation regulating the transfer of money. The final document must contain information about the frequency of payments and the deadlines for the transfer of funds. In addition, a mandatory element of the agreement must be a clause that in the event of a decrease in the company's profits, the payment of dividends will be suspended.

You can cover the expenses of the founder of the LLC without resorting to the withdrawal of funds. How to do this, read on.

The company can pay for:

• expenses of a member of the company for vehicle;
• travel expenses. Coverage of costs is made on the basis of a travel ticket;
• payment for goods and services corresponding to the field of activity of the company.

All income and expense transactions must be confirmed by receipts or checks. Lack of reporting documentation threatens to impose impressive fines.

In addition to the ones described above, there are also not entirely legal ways to withdraw funds. For example, by drawing up a fictitious contract. However, this solution to the issue has more disadvantages than advantages. The biggest drawback of the illegal way of transferring money is the fact that such activity is punishable by law and instead of money, you can get a criminal penalty.

PayPal (popularly "stick") is one of the largest payment systems that allows you to make almost any payment via the Internet. It works almost all over the world, so you can use its services in Africa, the European Union, the United States, and the post-Soviet space. Many people use a stick to pay for various little things when shopping on the Internet, but from time to time the question arises of how to withdraw money from PayPal. There are many options for resolving this issue, here you can organize withdrawals to the bank card to the wallets of other payment systems as well.

A small historical background

There are many payment systems out there, but PayPal stands out in scale. Just think about it - the system works in almost 200 countries of the world (even if the functionality is not as extensive as in the USA). Considering the multi-million audience of clients, this brings the Stick to the first place.

It was created back in 1998 in the United States, the moment for the creation of such a system was chosen very well. Within a couple of years, about 1 million lots at the world famous eBau auction offered the option of paying via PayPal.

In the history of the company there have been no serious recessions; almost all the time, there has been stable growth and an increase in the client base. People are attracted by the fact that payments are made instantly, while withdrawals from PayPal are carried out with a minimum commission and are possible in most countries of the world (regional payment systems cannot boast of this).

Features of PayPal in different countries!

As for external payments, they can be made in any currency, while internal payments can be made in the national currency. For example, in the Russian Federation, transfers within the country are carried out in rubles, and the commission is calculated according to the principle of 3.9% of the payment amount + 10 rubles. But this is the maximum, if you are a seller and actively use Paypal, then it can be reduced to 2.9% + 10 rubles, at high speeds even 1% savings are noticeable.

In many countries, local currency is not used, in such cases, domestic transfers are made in dollars. At the same time, 3.4% + $ 0.3 is charged from the payment, according to this scheme the system works with the CIS countries. You can read more about currency conversion in the system in the article "".

The commission in the system is paid by the recipient of the payment, while its size strongly depends on where the money came from. For example, to receive a payment to a Russian Paypal account from Scandinavian countries, the percentage is 4.3% + $ 0.3, but if the money comes from the USA, Canada and Western Europe the percentage increases slightly and is 4.4% + $ 0.3. Payments from Eastern European countries are subject to a commission of 4.9% + $ 0.3, and the maximum amount will have to be paid for countries not included in the specified list - 5.4% + $ 0.3.

If you are thinking about how to withdraw money from PayPal to a card with a minimum commission, then this can be done with a large turnover (for example, you have organized your business and are actively using Paypal). The maximum that you can count on is a decrease to 2.4% + $ 0.3, but for this you need to achieve a turnover of $ 100,000.

As for currency conversion when money transfers, then this operation can be performed automatically if you want to keep all the money in one currency, but savings can be kept in different currencies, in this case, the conversion stage will occur directly when you try to withdraw money:

• residents of the Russian Federation can convert into rubles not only dollars, but in general any currency, while the rate will slightly differ not in your favor compared to the market one. The market rate is adjusted for a 2.5% commission;
• if a currency other than the payment currency is used, then the amount rises to 4%, that is, there is a double conversion before the person withdraws the money to the card.

Where can I withdraw money from PayPal? We study all possible ways!

Any modern payment system allows you to withdraw money:

• Bank transaction;
• to the bank card;
• transfer funds to wallets of other payment systems.

This is the minimum "gentleman's set" that any payment system has. Well, the differences lie already in such trifles as the ability to withdraw money in local currency, the size of the commission, the timing of the withdrawal, etc. delay.

In general, withdrawing funds from PayPal in the post-Soviet space is not such an easy task. This is not complicated with WebMoney - I attached a bank card and withdraw money even in rubles, even in hryvnias, even in euros or dollars, you can also cash out money by bank transfer. PayPal is not always convenient in these matters.

Method number 1: how to withdraw money to a bank account

I'll make a reservation right away that you need to look at which bank you plan to use. This is due to the recent sanctions imposed on a number of Russian financial institutions. So if, for example, you are a client of the Bank of Russia or Investkapitalbank, then do not even try to organize the withdrawal of money to their details, because of the sanctions, the stick will simply refuse to execute this transaction.

But not all Russian banks fell under the sanctions, so you can safely work with Sberbank or VTB24, they will solve the issue of how to withdraw from PayPal to the card. Well, in general, I would advise you to simply familiarize yourself with the sanctions list or check with PayPal technical support if they work with your bank.

Withdrawal to a bank account works according to the same scheme. It is clear that before that, the card must be linked to your account (in this case, small amount, which is returned after a couple of days). The procedure is supposed to be as follows:

You will have to wait several days - a kind of payment for reliability, you can read more about the basics of security in this article "". This is not very profitable if we compare, for example, with Webmoney, which can withdraw money to a bank card almost instantly with a commission of a couple of percent. But with PayPal you can work anywhere and with cards of any banks in the world.

Method number 2: withdrawing funds from PayPal to Qiwi wallet

The Qiwi payment system is very convenient (at least for residents of the Russian Federation), it allows you to cash out money in almost any way, including transfers to wallets of other payment systems. Residents of the Russian Federation can link the Qiwi wallet to WebMoney, so there are a lot of options for depositing / withdrawing money.

The Kiwi wallet is also attractive because in order to start it you only need a mobile phone number. Of course, the security is lower than that of the same WebMoney, but now we are not talking about that.

It is impossible to withdraw money directly to the Qiwi wallet (if you come across some miracle instructions on how to do this, you know, this is a lie). A transfer of this type can only be done using intermediaries represented by different exchangers, or by finding a person for whom you, for example, pay for goods on the Internet from Paypal, and he will send you money to Qiwi. In general, an intermediary is a universal option, with its help you can solve the issue of how to withdraw money from PayPal with almost zero commission.

The exchange rate will be, to put it mildly, not the most profitable, but there's nothing you can do about it:

The good thing about exchangers is that you don't have to wait for the money to come to your card, which usually takes several days. The scheme looks something like this - you transfer them to the Paypal exchanger account, and after the money is received, they withdraw the amount to you on Qiwi or a wallet of another payment system.

For the rest, we work with the exchanger as usual - we indicate the transfer amount, the Qiwi wallet number and our data in Paypal. After that, an application is created, we confirm the payment and wait for the money. I emphasize once again - they will take a lot for such a transfer, from 1000 rubles to PayPal it will be possible to get less than 880 rubles on Qiwi. But after that, the question of how to withdraw money from PayPal loses its relevance, because with Qiwi you can withdraw money as you like and practically without delay.

This is not the only way to transfer money to Qiwi. You can also use Payoneer for this, but this will not reduce the transfer time in any way (from Paypal, the money will go to the Payoneer account for the same few days). It will turn out to be a little profitable in terms of money compared to exchangers, but the benefit, given such a long wait, is doubtful.

Method number 3! How to withdraw money from PayPal via Webmoney?

In Russia, and in other Russian-speaking countries, this particular payment system is one of the most popular. So it would be a crime not to mention her. As in the case of the Qiwi wallet, WebMoney will act as an intermediary, our main task is to receive money from Paypal to the WMR wallet, and only then cash it out in any way.

You can withdraw money to the WebMoney wallet in 2 ways:

When working according to the first method, a number of restrictions apply:

After that, you can already try to create an order; from the disadvantages of such withdrawal methods, a rather large commission can be considered. On the other hand, time is saved and there is no need to wait several days for the money to arrive in your account. So if the loss of about 14% does not scare you, then Webmoney can be used to solve the problem of how to withdraw money from PayPal. In total (taking into account the commission when withdrawing from the WMR / WMZ wallet), the losses will be about 16-17%, but you will have to wait a maximum of 20-30 minutes.

To organize the translation, we act in this order

• you need to log into your account and create a new exchange request. If you meet all the necessary requirements, then the application you have created will be displayed in the general list;
• in order to be able to pay for it, another participant must choose it according to the counter exchange procedure, you just need to wait;
• after receiving the appropriate notification, you need to confirm the payment with PayPal. The money should arrive within 20 minutes, but usually the payment goes through faster. Well, already with WebMoney it is not a problem to withdraw money as you like - even to the wallets of other payment systems, even immediately to your card.

As for the commission, when making a transfer for 1000 rubles, you will receive about 700 rubles to the WebMoney wallet. This can be considered a kind of payment for urgency - if you don't want to wait a few days for the money to arrive at your card or bank account, pay more money.

You can also transfer through exchangers (both rubles and dollars), you will have to pay 9.9%, the payment comes within 20-30 minutes. At the same time, many exchangers set minimum commission at the level of 10WMZ / 10WME or 700-800 rubles, so transferring small amounts will not work, for large transfers it is offered special conditions with a slightly lower exchange reward. After the transfer is completed, you can withdraw money from WebMoney in any convenient way.

Another option is to use a WebMoney card. It can be linked directly to Paypal in the same way as ordinary bank cards.

Method number 4! How to withdraw money from PayPal through the company's office?

This is an almost ideal way to get money quickly and with reasonable fees. Well, there is only one drawback here - it is suitable only for the elite, because only a couple of such offices work in the whole of Russia (and in other Russian-speaking countries the situation is no better). So, only residents of the capital and St. Petersburg were lucky with this.

The translation itself does not stand out in any way. Just come to the office and get paid after a little wait. At the same time, the commission is about 5%.

The advantages of this method are speed and a small commission. You do not need to wait a few days for the money to arrive at the bank card, or pay 15-20% for a quick transfer to the wallet of another payment system.

Method number 5! How to withdraw cash using Yandex money?

Webmoney and a bank card are not the only options where you can withdraw money from PayPal. Other payment systems can also be used for these purposes, YAD is one such option.

In terms of popularity, this payment system is somewhat inferior to WebMoney, but it is still very widespread, so many people withdraw money from Paypal in this way. Money transfer can be done in several ways:

• through exchangers;
• using a real or virtual YandexMoney card.

We work with exchangers in the same order as before - select the type and currency of the transfer, indicate the amount and confirm the payment. You don't have to count on a small commission, you will have to pay more than 15% of the transfer amount (this is without taking into account the remuneration of the payment systems themselves). Well, when withdrawing funds from poison, there is also a small commission within a couple of percent. If you believe the calculator on the exchangers, then in total you will have to overpay up to a third of the transfer amount.

The very scheme of work does not change - when deciding how to withdraw money from PayPal, we again use an intermediary, just now it will be a wallet of the YAD payment system.

As for the cards of the payment system, everything is simple - both real and virtual YandexMoney cards are almost a complete analogue of bank cards in terms of functionality. They have both a 16-digit number and a CVV code, so they can be used to pay for goods and services, as well as to link to wallets of various payment systems, including PayPal.

Such a card can be issued either in plastic (you will have to wait a couple of weeks until it is issued and delivered by mail to the specified address), or it can be limited to its virtual embodiment. Of course, pay at the store virtual card will not work, but for transferring money from a stick, it will work.

Method number 6: not quite the usual way to withdraw money

All of the above methods boil down to the same thing - finding an intermediary through which the money will be withdrawn. But wallets of different payment systems are not the only solution to the question of where you can withdraw money from PayPal.

Another rather exotic way is to use a forex broker that works with Paypal. That is, first we deposit money into the broker's account (that is, we simply replenish our deposit), and then we try to withdraw it. Moreover, it is not at all necessary to trade, although in this matter you need to familiarize yourself with the broker's working conditions. As a last resort, you can use your main account, which already has a decent turnover, so as not to just arouse suspicion.

The problem here is that not all brokers work with PayPal, but if you wish, you can choose a working option. An example is the broker FXPro, which allows you to replenish your account with Paypal. In this case, the operation is subject to a commission of 2.7% + the commission of the payment system itself.

In theory, the process of crediting money can take a day, but in practice, money usually arrives within a few minutes. It attracts the fact that no commission is charged from the trader when withdrawing funds.

The only drawback of this method of cash withdrawal is that it is not suitable for everyone, and if you just open an account in order to withdraw money, then the administration may have questions as to why there are no transactions. Otherwise, the method is not bad - depositing money takes several minutes, withdrawal also occurs during the day, but usually faster. At the same time, the commission is small.

Method number 7! How to withdraw from PayPal to Payoneer card?

If you don't want to mess with the cards of Russian banks, then you can just order Payoneer card and calmly withdraw money in dollars with a total commission of the order of 5-6%.

When ordering a card (we do it on the official website), the most important thing is to enter your name and surname correctly, to within a letter. In order not to get confused, look how she wrote down in her passport or on others bank cards... This is really important if you make a mistake - you risk getting a card that will not be accepted anywhere.

After the card comes to you by mail, you will need to activate it (everything will be written in the paper). Then you can link it to Paypal and withdraw dollars directly to it with an acceptable commission. You can read more about the basics of working with Payoneer and a similar withdrawal method in the article "".

At the same time, you need to understand that a separate account for you in an American bank cannot be opened. It's just that Payoneer has one account in the bank with which many clients work, that is, a virtual account is opened for each of them. The money first goes into a real physical account, and only then is distributed among individual clients.

Method number 8: risky, but with a minimum commission

Another way to cash out from Paypal is to simply find someone who needs to buy something with PayPal. He gives you real money in your hands, you pay for his purchase. So you can "withdraw" money without losing anything. The only problem is to find such a person.

Alternatively, you can use the services of an intermediary, such announcements regularly appear on various forums. Such people can really help in a situation when money is needed urgently and none of the described methods of how to withdraw money from PayPal is suitable.