Provides many options for paying bills and shopping online. But few people know that you can get a Yandex Money card and start paying from your virtual wallet in regular stores in your city, as well as withdraw money from any ATMs. In this article you will learn how to make a Yandex Money card and start using it.

The Yandex Money card is a plastic Master Card, the same as in many banks. The only difference is that a current bank account is not linked to the card; the Yandex Money system wallet is linked to it.

This means that when you pay with this card, the money will be debited from your Yandex Money wallet. The wallet and card have the same balance. So the Yandex Money card is a great opportunity pay for many expenses in real life from your wallet without wasting time on cashing out funds.

If you still need to cash out money from your wallet, then using a card you can withdraw money from the nearest ATM, but we will talk about this in more detail in the following sections of this article.

What does the Yandex Money card give?

And so, let's sum it up and list what the Yandex Money card provides for the average user of the payment system:

• Wherever it is possible to pay with Master Cards (cafes, various places of recreation and entertainment, shops, and so on), you can pay using a Yandex Money card. You will also be able to use all the bonuses and promotions from the Master Card system.
• Since the wallet and card have the same balance, there is no need to additionally top up the card, wasting time and money on commissions. By replenishing or transferring your earnings to your Yandex Money wallet, you can easily spend it or cash it out using a card.
• If you travel or simply visit abroad for other purposes, then in any country in the world you can pay bills using a Yandex Money card or withdraw money from an ATM in any currency (an exchange will take place at the bank rate, rubles will be debited from your account, and the ATM will will issue another currency).

How much does a Yandex Money card cost?

As we know, opening a card account in a bank is not free. Then the question arises, how much does a Yandex Money card cost? 3 years of Yandex Money card service costs only 199 rubles. This is probably cheaper than opening a current account in many banks.

You only pay for servicing the Yandex Money card; its creation and delivery to you is free. By paying 199 rubles once, you will be able to use it for 3 years, and after the expiration of the term, you can extend the service by paying again.

There is also a map with additional bonuses from partners of Svyaznoy-Club (, Ozon, LaModa and so on). It's called Yandex card with plus. When purchasing in partner stores, you will be awarded a kind of cashback, which you can also spend on purchases. Servicing this card costs 500 rubles for 3 years.

Particularly cunning readers have already wondered how to get a Yandex Money card for free? I managed to get a Yandex Money plus card for just 1 ruble, you can say it’s free.

The thing is that I actively buy using the Yandex Money wallet in online stores that are partners of the Svyaznoy Club. On New Year, most likely, some kind of promotion was taking place, at which particularly active buyers were offered to receive cards for symbolic money, and I took advantage of this offer.

Of course, there is no permanent and sure way to get a Yandex Money card for free, except for creating virtual card Yandex Money, we will talk about it in another article. But keep in mind that if you are an active buyer, for example, and pay for purchases from a Yandex Money wallet, then you may be offered to have a similar card.

In general, 199 rubles for 3 years of service is very little. So if you have a need for a Yandex Money card, it’s better to pay and not wait for miracles.

Yandex Money card commissions

If you pay with a Yandex Money card (that is, paying directly with the card and not cashing out at an ATM), then you will not be charged a commission. With rare exceptions, a commission will be present if the merchant has an incorrect MCC code configured.

MCC code is an identifier of the type of outlet. For example, supermarkets have the code 5411, electronics stores have the code 5732. Sometimes stores choose the MCC code incorrectly and enter, for example, the code for withdrawing cash from ATMs. In this case, a commission will be charged.

Also, if you decide to cash out money from your card by withdrawing it from an ATM, you will also be charged a commission. The Yandex Money commission size is 3% + 15 rubles, but not less than 100 rubles. So if you don’t want to lose extra money, then it’s better to withdraw money starting from an amount of 2850 rubles.

It is better to transfer smaller amounts from Yandex Money to a bank account. In this case minimum commission will not be and you will only need to pay 3% + 15 rubles. Of course, the most profitable way is to pay directly with a Yandex Money card without losing a penny.

Yandex Money card limits

Unfortunately, there are limits on the Yandex Money card. First of all, they depend on your status. In this article you can find out about the status of Yandex Money accounts. The first limit of the Yandex Money card is the limit on payments:

• A user with an anonymous wallet can spend no more than 15,000 rubles at a time and no more than 40,000 rubles per month.
• A user with a personalized wallet can already spend no more than 60,000 rubles at a time and no more than 200,000 rubles per month.
• A user with an identified wallet can spend 100,000 rubles at a time and no more than 3 million rubles per month.

There are also limits on withdrawing money from a Yandex card. Users with anonymous and registered wallets can withdraw no more than 5,000 rubles per day and no more than 40,000 rubles per month. There are no such restrictions for users with an identified Yandex Money wallet.

How to make (issue) a Yandex Money card?

To make (issue) a Yandex Money card, you will need to do a few simple steps. Now we will analyze each step in the form of instructions.

How to get a Yandex Money card?

After the Yandex Money card is made and sent to the specified address, a letter will be sent to your email inbox. This letter will say that the card has been sent and will also provide a track number to track it. You can track your letter on the Russian Post website or another website for tracking parcels.

Also from your Yandex Money personal account, in the settings, in the “ Bank cards" there will be a link "Find out where the map is." Click on it and you will be automatically redirected to the website to track the letter.

And now about the most interesting thing, how long does the Yandex Money card last? Here everything will depend on the time of year, the location of your settlement and much more. My card arrived in Crimea in less than two weeks. After the card is in your post office, you will again receive a letter from Yandex with a notification. In general, the service works very well and you won’t be able to sleep through receiving the card.

When the card is at your post office, you will receive a notification in your mailbox. You will need to fill it out, take your passport and go to the post office to pick up the letter. This letter will contain the Yandex Money card.

How to activate a Yandex Money card?

After receiving the card, go again to the settings of your Yandex Money personal account, then to the “Bank Cards” section. This time click on the “Activate” button.

On the next page you will need to enter data from the card: the last 4 digits of the card number and the expiration date. Then click on the “Continue” button.

Now all that remains is to come up with a test word. You will need it when calling Yandex Money support service, as confirmation that you own the wallet. After that, click on the “Save code word” button.

That's all, the Yandex Money card is activated. Now you can use it.

How to top up a Yandex Money card?

To top up your Yandex Money card, you do not need to carry out any additional manipulations. Let me remind you that the wallet and card have the same balance. This means that when you top up your Yandex Money wallet, you also top up your card. We will talk about how to top up your Yandex Money wallet in the next article.

If you work on the Internet and use the Yandex Money payment system to withdraw your earnings, then be sure to get yourself a Yandex card. This is very convenient; you won’t have to wait several days for transfers to your bank card. You get the opportunity to spend or cash out your money as quickly as possible.

How to withdraw money from a Yandex card?

Withdrawing money from a Yandex card is also very simple. Firstly, you can withdraw money from your wallet in all available ways (to a bank account, bank card, through transfer systems Western Union and others). We will talk about how to withdraw money from a Yandex Money wallet in the next article.

The easiest way to withdraw money from a Yandex card is to spend it on purchases without withdrawing it. This way you will save a small part of the money that would have been spent on paying the commission. But what if you need cash? Then you need to go with the card to the nearest ATM.

How to withdraw money from a Yandex card at an ATM? Very simple, go to any nearest ATM, insert your card into it, enter your PIN and complete the withdrawal. Money is withdrawn in the same way as with any plastic card jar.

The screenshot above shows my last cash withdrawal transaction in the history of Yandex Money payments. As you can see, the commission was not at all large, and the commission is the same at any ATM. So you can withdraw money from a Yandex card in the most convenient place for you.

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Yandex Money is an electronic payment system with which you can make purchases on the Internet, transfer funds from card to card and to other wallets. Since you can pay an invoice through Yandex Money not only online, but also through branded terminals, we will consider each method separately.

Online

If the site accepts Yandex Money for payment, then this will be discussed in the corresponding section; in addition, at the bottom of the screen, next to the icons of other payment systems, you can see the YAD logo. In online stores, you can pay the invoice directly on the website, after placing and confirming the order.

To do this, log in to Yandex Money, then select “Pay via Yandex Money” on the store page. The system will automatically redirect you to a new page where you will need to confirm the operation. After this, the specified amount of money will be debited from the wallet.

You can also pay directly through the official website of the electronic payment system. Instructions:

1. Log in using your username and password. On the left side of the screen, find and click on the line “Translations”. Here you can send money from your wallet or linked card.
2. In the “Where” field, select where the funds will be credited. This can be bank “plastic” (yours or any other person), electronic payment details.
3. Having chosen the desired payment destination, fill in Additional information and check out the commission amount. It will be charged additionally and is not included in the amount you send.

Confirm the transaction via mobile app or via SMS. If everything goes well, you will receive an email with a receipt.

By map

You can make and pay for purchases through YM, even if you have no money in your wallet. To do this, you will have to link a bank card to your account, through which the payment will be made. In this case, the system will read it as if the transfer was made through POISON.

Via terminal

Now let’s look at how to pay a bill through Yandex Money if there is no account in the system, but you don’t want to create one or it’s not possible. To do this, you can use an offline terminal. It may belong to another payment system or bank. Their main difference is the size of the commission, which will be additionally withheld.

Sometimes, when making a payment through YaD, a receipt is required to provide it as proof of the transaction. It may also be needed in a situation where the funds have not arrived in the account in order to return them. Let's figure out how to get a payment receipt through Yandex money.

There are two main methods by which you can receive a receipt: through your payment history and through technical support. It can be printed on a printer or simply saved to a PC.

We receive a check through History

To receive a receipt, go to your wallet. If the operation was carried out through the profile, it will remain in history. Find the desired operation and click on it. Story located in the middle of the page and opens immediately as soon as you enter your personal account.

A receipt will appear on the right side in electronic format. You can print it by clicking on the printer icon.

The receipt will be printed. It contains all the necessary information:

• date and time of payment;
• sum;
• commission;
• information about the recipient and sender.

A check helps verify the correctness of the transaction and ensure that no mistakes were made and the money went where it was needed.

We receive a check through the support service

If the money doesn’t come, POISON technical support will help. The staff will help you figure out what's going on and solve the problem. Before applying, make sure that the money has not arrived. Go to Personal Area and see the status of the operation in history.

• If it is written Treatment— money has not been credited;
• If Sent, that means the funds have arrived;
• If the application is returned, errors occurred during the transfer and the money was returned back.

If the transaction is completed, but there is no money, then be sure to write to support. You can go there using this link. Our staff will look into the problem and send you a receipt by email. You can print it out or simply save it for yourself.

Hello, dear readers of the blog site. Today we will talk about one of the most popular payment systems on the Russian-language Internet - Yandex Money. If you need to use this payment system, then the first thing you need to do is 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 web interface of the Yandex Money service for personal purposes, you must go through the registration procedure. First of all, create 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 indicate your own mobile device number. This step is optional and can be skipped by clicking on the “I don’t have a phone” button. For such a case, there is another protection option - choosing 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 essence of the question is that with a linked mobile device number, if you lose access, you can restore it in the shortest possible time. To do this, you must be informed via SMS about transactions carried out on your account. This will also make it possible to use a one-time payment password, which will be sent by SMS message to your mobile phone.

At the next stage of registration, you need to enter a code that will be sent by SMS message to your mobile device number, specified earlier in the first stage of registration. Next, 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 “Means of Payment” section, click “Open Wallet” as shown in the picture below.

If you already have an email in Yandex, then you need to log into your account. After that, follow 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 phone, enter it in the field that opens and click “Create wallet”.

The 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 poison system is designed in such a way that after 15 minutes of ceasing to use the service, your authorization will be automatically terminated. This feature is made for forgetful users who forget to close 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 subsequently complain about your forgetfulness. No one will withdraw, cash or transfer your money. Yandex worried about you in advance.

Using a wallet

By default, you will have anonymous status in the Poison system. With an anonymous method of operation, your actions and possibilities for using the wallet will be limited. To get new opportunities, you need to click on your balance and click on the “Anonymous” line.

If you would like to receive a personal status, then click on the “Get status” button and enter your real passport details and full name in a special form. And in order to obtain the “Identified” status, the system administration will ask you to provide them with data in your office. Personally, I limited myself to personal status on my main account - there are quite enough limits. With these statuses, you will be able to enjoy extended limits on payments, transfers and withdrawals.

Since you are already a full-fledged user of the Yandex Money payment system, you can now top up 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, the corresponding buttons are located 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 indicate the wallet number or email address, or number mobile phone and complete this task by entering a one-time payment password, which will be sent to you via SMS. All data you enter will be checked in real time 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 indicate the number in the “To” field mobile operator recipient. 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 “Top-ups” 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. After this period, if the recipient does not show up or mistakenly enters the wrong protection code, the money will be returned to you. Without entering the protection code, the recipient will not be able to receive the transfer.

You will need to confirm each payment by entering a one-time payment password received in an SMS message or taken from a mobile application. If suddenly your mobile device will be in the operator’s inaccessible area or lost, then in order to avoid incidents with this matter, you must first print or save the emergency codes.

How to top up your Yandex Money wallet

There are several ways to top up your account in the system:

1. Replenishment via self-service terminal.
2. You can top up your account using any linked bank card, or directly through an ATM. You can top up through the Internet banking service.
3. You can also top up your account using , in exchange for other electronic currencies.

Making a withdrawal

To withdraw and cash money from the YaD system, you can use several methods.

Yandex Money - this payment system, with which you can accept earned money via the Internet. This money can be withdrawn to a card or made online purchases around the world.

You can also pay taxes, utility bills, fines, loans and mobile communications. This service is great for online business.

Quick registration

Let's start registering Yandex money. Go to the official website and click on the “Open wallet” button. There are two ways to register.

From now on, you will be able to receive money into your account, just give the sender the wallet number that was assigned to you.

It is important to know! At this stage, you have been assigned the status “Anonymous”. It has a number of limitations. You can store a maximum of 15,000 rubles in your wallet. The limit on payments also does not exceed 15 thousand rubles. And you can withdraw only 5,000 rubles from the card.

Also, with this status it is impossible to make purchases around the world. You will not be able to make transfers to other cards and will not even be able to transfer money to another Yandex wallet. If such restrictions do not scare you, then you can use this status.

If you want to use all the features of Yandex Money, then you need to go through identification. After passing the identification, you will be able to store up to half a million rubles in your wallet.

You will be able to make online payments up to 250 thousand rubles. and withdraw money from an ATM up to 250,000 rubles. In addition, you can transfer money to cards of other banks. Make transfers to Yandex wallets and transfer money to bank accounts.

If you are planning to do online business and do not want to have financial restrictions, then be sure to get the “Identified” status.

If you do not need such financial volumes, then there is a third status option. It is called “Name”. You can store up to 60,000 rubles on your balance. Make payments up to 60 thousand rubles.

You can transfer money to other Yandex wallets. The only inconvenience of this status is that you can only withdraw 5,000 rubles from an ATM.

Personally, I passed the identification and I am completely satisfied with everything. Quite recently I had this situation. I bought an e-book in the USA through Yandex money.

I did not receive the product and contacted Yandex support. They answered me quite quickly and promptly resolved my question. If I had anonymous status, they would hardly have helped me.

If you have chosen a “personalized” wallet, then just fill out a simple online form. In it you need to indicate your full name, date of birth, series and number of your passport, SNILS.

How to identify a Yandex Money wallet

In the upper right corner, click on the wallet icon. Under the wallet number you will see your status. In my case it is anonymous. Click on it.

Here you can select the wallet you want. Now click on the “Pass identification” button.

1. Identification through Sberbank

If you have a Sberbank card and are connected to it “ mobile bank”, then this will simplify the procedure.

Click on this big picture and enter your date of birth. Pay attention to the linked phone. It must match your number. Next, click “Send request”.

You should receive an SMS message from Sberbank with a code on your phone. (Make sure the “ Fast payment"). You need to send a response message with this very code.

10 rubles will be debited from the Sberbank card for verification. Within 5 days, a notification in the form of a yellow icon will appear at the top next to the balance.

2. Identification via Euroset

If there is no Sberbank, then you can do this at any Euroset salon. Select this method by clicking on the picture.

Now you need to complete all 8 points sequentially. Fill out the application and print it. Then go to the nearest Euroset store with your passport and take 50 rubles with you. Give the documents to the cashier and check all the data he entered.

After a few days, a yellow icon will appear next to your balance. Click on it and follow the link to confirm your identification.

Everything is ready, now you can use Yandex wallet without any restrictions!

How to withdraw money from Yandex Money wallet

Yandex Money is modern system for payments via the Internet and more. You can link the card to your phone and pay with it in stores.

Now you can make purchases without even taking out your bank card. Just bring your phone to the terminal and the money will be debited from your wallet automatically.

If you have an iPhone, then connect Apple Pay. If modern Samsung Galaxy, then this function will also be available to you. All you need to do is install the mobile application and enable this function.

But before you connect the card, you must first order it. Find “Bank Cards” in the menu and click on it. Select your card option and click “Details”. I use a card for 199 rubles for 3 years. Next, click “Order a card”.

Fill in your full name and click “Continue”. Fill in your home address using the pop-up tips and click “Proceed to Payment”.

Now you need to pay 199 rubles for card servicing. This can be done using any credit card or cash. Just choose convenient way payment.

I will pay with a credit card from another bank. After payment, wait for a notification to your email address. The finished card can be picked up at the nearest Russian Post office.

Now you can withdraw money from your Yandex Money card up to 250,000 rubles at any ATM. It is more profitable to make purchases with a card, then the commission will be 0%. If you withdraw money from an ATM, the commission will be 3% + 15 rubles.

How to deposit money on Yandex Money - 5 ways

In fact, there are many more ways to top up Yandex money, there are about 30 of them. In this example, I will look at the 5 most popular ones.

1 From a bank card
A card from any bank will do. You can top up only 15,000 rubles at a time. If you need to add 60,000 rubles to your wallet, you will have to repeat this procedure as many as 4 times. The commission will be 1%.

2. From mobile phone balance
Replenishment is only possible from the phone that is linked to the system. This is the most expensive replenishment method. Beeline takes 7.95% + 10 rubles, MegaFon 7.86%, MTS 10.86% + 10 rubles, Tele2 15.86%. Plus, each operator has its own limits.

3. Cash at Sberbank, Euroset and other points
The easiest and free way to top up Yandex money. There are dozens or even hundreds of such points in every city. The replenishment fee is 0%.

You can find them on the map directly in the Yandex Money admin panel. The only negative is that you need to go outside and walk or drive to the point.

4. Through Sberbank online
You can top up your balance by 10,000 rubles at a time. The commission is 0%.

5. Via QIWI
The maximum replenishment amount is 15 thousand rubles. The commission is 3%.

All these services allow you to deposit money into your account instantly! You can choose a convenient method and top up your account by following this link.

To top up your or someone else’s wallet, you only need to know the wallet number.

How to find out your Yandex.Money wallet number

After registration, you should receive a letter to your email containing information with your wallet number. It can also always be seen in the upper right corner. Go to Yandex Money and click on this icon.

This is the wallet number to which money will be sent to you.

How to transfer money from a Yandex Money wallet to another wallet

Everything is quite simple. The main thing is to know the account number of the person to whom you need to send money. Go to the “Transfers” menu and enter your wallet number.

Please note that there is a small fee of 0.5% between transfers. Take this point into account. You can protect your transaction with a protection code.

Check the box and give this code to the person for whom the money is intended. If you make a mistake and transfer money to someone else’s account and it is protected by this code, then after 7 days the money will be returned. You can set the number of days yourself.

Conclusion

Now you know what Yandex money is and how to use it. For an Internet entrepreneur, this is a very convenient tool. 90% of payments on the Internet are made into this payment system.

A reasonable question arises: is this a reliable system? Yandex Money is 75% owned by Sberbank. I think this is a good guarantee of reliability.

If you are going to make money on the Internet, then be sure to register and withdraw your earned money to the card!