How money is withdrawn. How to legally withdraw money from an LLC? What is the most profitable way to withdraw money from WebMoney if bank transfer is not available?

Dec 12

In order to withdraw WebMoney into cash, there are 4 ways: withdrawing electronic money to a bank account/card through WebMoney banking, exchanging electronic money for cash using exchange services, direct money transfer, paying for services and purchases with electronic currency. We will provide you with details about these methods, as well as instructions for withdrawing funds, in this post.

Below we will consider the following questions:

WebMoney system

WebMoney is an international electronic payment system.

Today WebMoney is the most popular payment system on the RuNet. To work and do business on the Internet, you simply cannot do without a WebMoney wallet, since all major operations go through this system. It is WebMoney that accounts for the overwhelming majority of financial flows in our Internet segment. In addition to the fact that you can carry out internal transactions in WebMoney in the form of transferring funds between accounts, money from this system can be cashed out. How? – You’ll find out further.

Preparation

Formal certificate

So, you are already registered and you have a WebMoney wallet. To cash out, you will need at least a formal certificate. How to obtain a formal certificate in the WebMoney system will be discussed in detail in the video.

Also, to cash out WebMoney, you need to select a bank that will service your account.

Selecting a bank for cashing out WebMoney

Choosing a bank and opening an account with it is a fairly simple procedure at first glance, but in fact there are a lot of nuances in it. As a rule, our person chooses a bank based on its popularity, as well as the fact that someone close to them receives a salary there. But this is not entirely the right approach. When choosing a bank to withdraw WebMoney, you must be guided by the following criteria:

• Development of the network of branches and ATMs. It is advisable that this is a large bank with branches throughout the country, and several in your city. The same applies to the network of ATMs of this bank; it is good if they are close to your home, as well as in places where you often visit (so that it is convenient for you to withdraw funds at any time of the day or night);
• Banking. It is very good if the bank has Internet banking, with which you can check the status of your account via the Internet, make transfers between accounts and pay for services (communications, Internet, utility bills, etc.). As an additional bonus, the bank has a mobile application, the so-called mobile banking, this is a mobile application for devices running iOS or Android, which repeats all the functions of Internet banking;
• Maintenance cost. Check with your bank to find out how much it will cost to service the card and what the commission percentage for withdrawing funds is. As a rule, there are two types of cards: the first - when the owner pays a fixed amount for servicing the card for the year, and there is no commission for cash withdrawals, the second - when the owner does not pay for servicing the card, but he is charged a percentage of the amount cash withdrawal. Which of these types of cards to choose - decide for yourself based on profitability, also pay attention to the additional capabilities of the cards; as a rule, “serviced” cards provide more opportunities. Check with the bank in advance for the cost of the service fee and commission percentage;
• Payment system. Today, cards of three payment systems are issued: MasterCard, VISA and PRO100. MasterCard and VISA are American systems, but they are suitable for those who plan to pay with the card on the Internet, as well as use it abroad. PRO100 is a Russian payment system, such a card is suitable for domestic Russian use and will not be available for payment on the Internet and abroad, but it does not depend on the state of international relations (sanctions), since it is internal.
• Connections. Of course, if you have friends or relatives who work in a good bank, then this is also one of the factors that plays in favor of the bank, since if you have questions, you can contact such a person and, depending on the problem, quickly solve everything.

It is advisable to open a card account in the chosen bank, since it is more convenient to withdraw funds using a payment card.

Let's look at the best banks for cashing out money from WebMoney.

• "Sberbank"
• "VTB 24"
• "Russian standard"
• "Alfa Bank"
• Bank opening"
• Tinkoff Bank
• Bank "Avangard"
• Svyaznoy Bank
• "PromSvyazBank"

Of the listed banks, we recommend choosing the first three: Sberbank, VTB24 and Russian Standard. These banks have a large network of branches and ATMs, good and functional Internet banking (with mobile banking available).

Withdrawal process

Today, there are four ways to cash out WebMoney, which we will consider below. So, you already have a WMR wallet, a formal passport and a bank card in your name - you can withdraw funds.

Banking WebMoney

Standard method for withdrawing rubles from WMR. You transfer electronic money to the WM system, which transfers funds to your bank card.

Now select the “Withdraw” section.

In the payments field, select the name of your bank so that the funds transfer details are automatically filled in.

All you have to do is enter your account number, full name and, if necessary, the purpose of payment.

Enter the name of the payment template for easy withdrawal next time.

After payment you can view the payment status.

The transfer of funds can take from several hours to 3 hours, on average, withdrawal occurs within 24 hours.

This type of withdrawal of funds is considered official, and it is one of the most profitable, but time-consuming. You will also be limited in the choice of currency, since withdrawals are made only from the WMR wallet and only in rubles.

Internet exchangers

The most common type of withdrawal is “exchangers”. The bottom line is that you transfer your electronic money to an intermediary, and he makes a direct transfer of money to your bank card, for a certain percentage, of course. As a rule, such intermediaries have an account in each bank, which allows them to instantly carry out settlement transactions through Internet banking.

To exchange on the BestChange website, in the left column, select the type of WM wallet from which you want to withdraw funds, and in the right column, select your bank. The table will display exchangers with the most favorable exchange rates. At the same time, focus not only on the course, but also on the quality of the resource. When a resource is selected, we perform an exchange.

Most exchangers have the same type of system for completing an exchange application: selecting the type of wallet, WM from which you want to withdraw funds, and then the bank where you are served.

Then you will need to enter the exchange amount, your WM wallet, account number, full name, and, if necessary, add a note.

The advantage of this type of withdrawal is that the money, as a rule, arrives almost immediately, within a few hours at most.

In addition, you can withdraw not only WMR, but also funds from other WM wallets. Such withdrawal of funds is not recorded anywhere, which is very useful in our time.

Remittance

As an alternative, you can use a money transfer. The process is the same as offline:

To transfer, select the desired system

Then enter your information by filling out all fields.

Select a bank and its branch.

Fill in your bank details (as a rule, they should be filled in automatically).

The transfer is made within an hour.

The advantage of this method is that you do not need to open a bank account.

Alternative conclusion

In addition, there is another way to withdraw WebMoney - transfer it for payment for various types of services or pay for the purchase of goods in an online store.

Within the system it is possible to pay for mobile communication services and Internet access. Commission for payment is 0.8%.

A lot of online stores accept WebMoney as payment for goods. True, for payment with electronic currency, the cost of the goods is considered as a non-cash payment, however, the difference in price, as a rule, is a percentage equivalent to the withdrawal of WebMoney.

When using and cashing out WebMoney, follow security measures to keep your funds safe and secure from scammers.

Published by author

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 your wallet number. Yandex.Money also has its advantages: relative protection and simple registration. The wallet is started automatically with mail registration on Yandex.

How to withdraw money from WebMoney

WebMoney is one of the most popular electronic wallets. Since the service does not have its own payment card, like QIWI and Yandex.Money, in order 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 there is in the phone account. Therefore, it is enough to simply transfer the required amount to your 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 your card at an ATM of any bank with a commission of 2.5%.

Another convenient and fast way to withdraw money from WebMoney is to 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, make a Unistream transfer. Money comes almost instantly. You can receive a Unistream transfer at Unistream cash desks and at many banks that service these transfer systems. This also applies to other translations.

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

• directly through money transfer systems https://perevod.webmoney.ru/ by creating an application;
• by bank transfer within one day, also by creating an application https://wire.exchanger.ru/asp/List.aspx;
• withdrawals through VM dealers are carried out instantly, but the opening hours of dealers or exchange offices must be known in advance;
• By postal transfer, cash will arrive within 5 days at the nearest Russian Post office;
• through exchanger.ru.

How to withdraw money from QIWI

QIWI is the second most popular electronic wallet. The popularity of kiwi is due to the ease of registration. Your phone number from any mobile operator is your e-wallet number. You do not need to enter personal information or passport information when registering or receiving cash. So, how to withdraw cash from Qiwi.

In some ways, working with Qiwi is easier 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 are needed. To withdraw cash from a Qiwi card you will have to pay a commission of 2% plus 50 rubles.

Once again, a convenient way to withdraw cash remains on the Megafon plastic card, which has no 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 - commission 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 for withdrawing money from the Yandex.Money system are no different from Qiwi. Even the Yandex.Money card is in circulation, the cash withdrawal rate for 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 with the same commission are also available.

Almost every person has a situation when, for some reason, an amount accumulates on their mobile phone account that needs to be cashed out. Mobile operators have provided different methods for withdrawing money from your balance.

How to withdraw money from your phone to a card

Each mobile operator has its own algorithms for withdrawing cash from your account. Subscribers can withdraw money to wallets of electronic payment systems, bank cards, through Russian Post. A cellular user has the opportunity to top up the balance of another subscriber or pay for a purchase in an online store. More information about how to cash out money via a bank card:

Operator	Transfer method	Size (rubles)	Commission (rubles)
	transfer via SMS to number 6111 with the text: “card”, card number, amount	50.00 one-time payment; 15000.00 maximum per day; 40000.00 maximum per month	4.3%, but not less than 60.00 4.3%, but not less than 60.00
	application My MTS service “Easy payment”
	USSD command: name of payment system (Maestro, Visa, MasterCard,) 1111222233334444, transfer amount	from 50.00 to 14000.00	50.00-1000.00 – commission 50.00, for a larger amount – 5.95% + 10.00
	SMS data command to number 7878
	Beeline official website in the “Payment, Finance” section – “Money transfers” – “Transfer from mobile to bank card” – “Transfer from website”
	SMS to number 3116 with bank card details	from 50.00 to 15000.00 daily limit – 15000.00, monthly – 40000.00	up to 4,999.00 –5.95% + 95.00; from 5,000 to 15,000.00 – 5.95% + 259.00
	through the official website in the “Transfer of Funds” tab – bank card

How to transfer to Qiwi wallet

It is important to remember that money can be withdrawn from a mobile phone account via QIWI only from the balance of the number to which the account is registered in this payment system. The first thing you need to do is create a QIWI e-wallet, following the instructions on the website. Further algorithm of actions:

• Log in to your account.
• On the main page, find “Top up your wallet”.
• Select “All deposit methods” on the left.
• Next, open the “Mobile phone account” tab.
• Then select the desired operator.

Different mobile service providers have different transfer fees. Withdrawal of money from a mobile phone to a QIWI wallet is carried out by the following cellular providers:

How to withdraw to Yandex wallet

Today this system is the most popular in Russia. To top up your wallet, follow these steps:

• On the Yandex-Money website, click “Top up” - “From mobile balance” and enter your mobile phone number.
• Wait for an SMS from the operator (wait from 1 to 20 minutes).
• Confirm the transfer with a reply SMS.

You can withdraw money from your phone only after linking it to the Yandex-Money system. The service is available to the following mobile operators:

Transfer to WebMoney

First, you need to log into the WebMoney system using your account by entering your username and password, then link your phone number in the settings. To replenish the balance, the user must have a formal certificate or higher. It is easy to obtain by filling out the fields in the settings and sending scans of your passport. After confirmation, you can transfer money. Further actions:

• On the main page, find the option “Top up your wallet” - “From phone+”.
• Enter the amount in rubles in the window that appears (from 10.00 to 5000.00).
• An SMS will be sent to your phone number to confirm the transaction.
• Afterwards the money will be credited to your account.

Each cellular provider has its own commission percentage. It amounts to:

Money transfers

You can withdraw money from your phone using money transfer systems. Websites of mobile operators have special forms in which you must indicate:

• phone number;
• transfer amount;
• first name, patronymic, last name of the recipient;
• passport number and series (Beeline);
• sender details (Megafon).

Several money transfer systems are available to subscribers of mobile operators. Among the most popular:

Mobile service provider	Unistream
		Commission		Commission		Commission
	from 1.00 to 15000.00		from 10.00 to 15000.00		from 10.00 to 15000.00
	from 100.00 to 14000.00		Payment system not supported		from 1000.00 to 14000.00
	from 1.00 to 15000.00

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 about the best course, forgetting about the risks.

In this article I will talk about how to exchange Bitcoins at the best rate and even compare the rates of different services. In addition, I will explain what to be wary of when cashing out 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 authorities, then you can skip the security section. Click and go straight to withdrawal methods.

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

Usually, when they talk about the safety of exchanging Bitcoins for rubles, they mean the risks that the 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 due to Federal Law 115 (“On combating the legalization (laundering) of proceeds from crime and the 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 evidence that the money was earned honestly.

At the moment, cryptocurrency is not regulated by law, so banks play it safe and often do not take the client’s side. They can permanently block your card, account, and sometimes money. There is also a chance that they will ask you to pay taxes on the amount you withdraw.

In itself, withdrawing cryptocurrency from your wallet is not against the law, but if you are withdrawing 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 an exchange, then, at first glance, you are acting according to the law. But some banks may consider trading on a cryptocurrency exchange to be 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, your card will be blocked, but the money will be returned through the cashier.

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

How to protect your income from blocking?

• Do not transfer large amounts at once. Do not withdraw 500 rubles at once, spread the withdrawal over a week or two. Better make 10 transactions of 50 tr.
• Use multiple cards. Get cards in several banks and distribute transactions between them. You can also connect cards from friends and relatives.
• Don't cash out. If you transferred money to a card and immediately withdrew it, this is a signal to the bank that you are cashing out. Let the funds sit for a couple of weeks, transfer them to a deposit, and pay with this card in stores.
• Become a good customer for the bank. As practice shows, if a client has a bank credit card, a loan, a deposit, a 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 thousand rubles, then the risk of blocking is very low. As the lump sum amount and monthly withdrawal amount increase, the risks also increase.

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

As you know, our country is not particularly fond of cryptocurrencies. Therefore, before you cash out Bitcoin in Russia, you need to find out how safe it is. Will you be subject to any charges?

If you have heard the joke about Schrödenger’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 regulating Bitcoin. The legislation is still under development.

Therefore, even if you cash out Bitcoin directly 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 were several high-profile news about arrests for cashing out Bitcoin. But the reason for the arrest was always not the fact of the exchange itself, but another crime. For example, selling drugs for cryptocurrency.

Regarding the case described above, people were accused of illegal banking activities. This article definitely won’t harm you.

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

Do I need to pay taxes when cashing out Bitcoin?

Let's start off with. that the government 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. You must pay income tax on this money, that is, 13%.

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

But firstly, cryptocurrencies are anonymous. Therefore, it is almost impossible to track where the money came from and what the basis for the transfer was. And if you withdraw Bitcoins directly into cash, then government authorities know nothing at all about your income.

Secondly, it is impossible to prove that this is income (of course, unless you tell the tax authorities about it yourself). You can always say it's a loan or gift, which is tax-deductible.

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

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

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

Should I pay taxes on withdrawing Bitcoin or not? Everyone decides for themselves. 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% protected from taxes. In fact, this is not true.

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

In general, as far as I know, in Russia there is no tax police dealing with individuals who would monitor your transactions. But if they are interested in you, they will easily receive 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 writing, the Bitcoin rate was 670,941 rubles according to the coindesk.com exchange.

Rate according to coindesk.com.

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

Monitoring 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.

You need to keep 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 began and people began to intensively buy Bitcoins through exchangers, but at the same time they began 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 rise 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 a Sberbank card through monitoring BestChange exchangers.

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

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

How to change Bitcoins to rubles using BestChange?

1.2. Withdrawal of Bitcoins into rubles through LocalBitcoins.

This is a service that, in its operating principle, 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 offers from professional exchangers, but also from ordinary people.

First, let's talk a little about security. If you sell 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 a wallet in LocalBitcoins, then after the exchange starts, the cryptocurrency is blocked, and after payment is confirmed, 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 service participant has reviews, ratings, percentage of successful transactions, etc. People spend a lot of effort and time to improve their reputation and will not cheat anyone for the sake of a few thousand rubles. If you are a newbie, 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 confirm your phone and identity, as well as set up two-factor authentication.

Step 2. Top up your 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 reputation, percentage of successful transactions, exchange amount) and click on the “Sell” button.

Step 4: Submit a deal 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, say hello and indicate the card for transfer. But this can also be found out in the process of communication.

Step 5. After the seller transfers the money to your card, you need to confirm receipt of the 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 through a Telegram bot.

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

The exchange occurs in the same way as in the previous service:

• Register in Telegram (if you are not registered) and add the bot BTC_CHANGE_BOT (BTC banker). Select the Russian language and agree to the terms.
• Go to your 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 we have chosen a seller, we begin the transaction. To do this, we follow the bot’s requirements: indicate the exchange amount and 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 a card via Webmoney.

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

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

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

• To transfer small amounts, it will be enough to obtain a formal certificate. But, if you plan to frequently withdraw money through WebMoney, it is recommended to obtain an initial certificate. By the way, this can be done through the State Services website.
• We create 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 “Exchange Funds” button. In the window that appears, change WMX to WMR. Now you have rubles on WebMoney and you need to withdraw them.

Select the 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.

• 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: BIC, Corr. account, current account number, bank INN and payment amount. 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 by 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 a card. It's called EXMO.

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

Honestly, I trust exchangers and Webmoney more than such exchanges.

How does the withdrawal take place?

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

We transfer Bitcoin to the exchange.

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

We exchange it for rubles.

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

We order withdrawal.

Do not forget that in order to fully use all exchange tools, you must pass verification.

The two most popular BTC withdrawal directions. 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 best rate?

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 got.

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

Let's see in practice what is the most profitable way to withdraw Bitcoins to a Sberbank card? To do this, we 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.

Rate according to coinmarketcap.com.

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

Dollar to ruble exchange rate.

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

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

• BestChange.

Exchange rates for BTC to Sberbank 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 for BTC to Sberbank on Localbitcoin.

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

• Telegram bot.

Conditions for exchanging BTC to Sberbank in a Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC to 26,548 rubles.

• Exchange EXMO.

BTC to Sberbank exchange rate on the stock exchange.

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

Results for Sberbank:

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, the best rates are offered by BestChange and Localbitcoins. Worst exchange rate on the stock exchange.

How to withdraw Bitcoins to Qiwi at the best rate?

The second most popular direction for withdrawing BTC 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 top up your account.

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

Let's see what is the most profitable way to withdraw Bitcoins to a Qiwi wallet?

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

• BestChange.

BTC to Qiwi exchange rates on Bestchange.

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

• localbitcoin.

Exchange rates for BTC to 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 to Qiwi in a Telegram bot.

BTC_CHANGE_BOT offers to change 0.1 BTC to 26,403 rubles.

• Exchange EXMO.

BTC to Qiwi exchange rate on the exchange.

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

Qiwi results:

In this exchange direction we were also able to find out the best exchange rate.

Comparison of BTC - Qiwi rates for February 2019.

As you can see, the best Bitcoin withdrawal rate on Qiwi is offered by Localbitcoins. Moreover, the rate here is equal to the official one. The most unfavorable 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 an internal account. They usually make it possible to pay for purchases in regular stores or online without commission, which is very convenient - you don’t have to cash out at all. It’s so convenient that my wallet is already swollen with different cards.

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

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

The remaining option is to transfer Bitcoins to one of the anonymous payment systems, convert them into dollars and withdraw 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 prohibited for residents of Russia. But for now there remains the possibility of withdrawing 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 fee. 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 be prepared to pay also for currency conversion.

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

3. Withdrawing Bitcoin from your wallet into cash rubles.

There is another way to cash out cryptocurrency. The exchange is carried out without the participation of banks, that is, directly into cash through an 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, you expect high commissions and high risks.

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

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

Some exchangers offer an 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 idea is. The money may not be in the indicated place and then you will not prove anything to anyone.

How to safely cash out Bitcoin in Russia?

• Go to the website of the exchanger that offers the service of exchanging for cash. Say how much you want to exchange, or leave a standard request.
• After some time (from several hours to a day, depending on whether the required amount is in the cash register), you come to the exchanger’s office and transfer Bitcoins to the specified address in the presence of an operator.
• After several confirmations of the transaction, you take your money.

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

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

Withdrawal rate to a bank card.

Cash withdrawal rate.

Is such an 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 completely legal.

Above, I already talked about the high-profile arrest in Russia of a group of people involved in cashing out Bitcoins. But these people were detained for illegal banking transactions, which is not a threat to you. The exchange of Bitcoins itself does not entail penalties.

3.2. Via WebMoney.

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

Advantages of official WebMoney exchangers:

• There are more of them. If regular exchangers are located only in Moscow and St. Petersburg, then WebMoney exchangers are located in almost all cities with a population of over a million.
• Higher trust. Such exchangers are opened only with the permission of the WebMoney payment system and are controlled by it. If poor quality services are provided, WebMoney may revoke the exchanger's license.
• Contract for services. An agreement is concluded with clients before the exchange takes place. 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.

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

Instructions from one of the exchangers.

3.3. Withdrawal through private money changers.

On the LocalBitcoins website, on cryptocurrency forums, in the corresponding Telegram bots, etc. you can find people who are engaged in exchanging Bitcoins for cash. Here you will again be faced with the fact that most of them will be concentrated in large cities. I hope I don’t need to tell you that in advance You cannot transfer money. It is best to make the 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 that cannot be ignored is ATMs. Again, this method is currently only available 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 lot of time as you have to wait for the transaction to be confirmed.

Comparison of withdrawal rates.

In order to check what is the most profitable way to cash out 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 per 1 BTC (according to coindesk.com).

Bitcoin to ruble exchange rate.

1 Step. Now, let’s say that we will withdraw this cryptocurrency through exchangers. Then let's look at the rate on BestChange.

Courses on Bestchange.

As you can see, the most profitable exchangers offer from 920 to 926 thousand rubles per 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 on Localbitcoins.

As expected, I was pleased with the course. You can exchange Bitcoins at a price of 980 - 991 thousand rubles per 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 per 1 BTC. Decent rate, but do not forget that you will have to pay 2% for withdrawal. It turns out: 978,948 - 2% = 959,369 rubles - this is exactly how much you will receive on the card after paying a commission. This will be the real course.

Step 4. Let's see what WebMoney offers. 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 per 1 BTC. Let's 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 a card, the commission will be 2.3%: 1,030,000 - 2.3% = 1,006,310 rubles. When withdrawing through an exchanger, the commission will be from 3.8%. Let's do the math: 1,030,000 - 3.8% = 990,860 rubles.

Total.

As you can see, the best exchange rate is currently offered by WebMoney. 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 to fully work with this payment system you need to undergo verification.

FAQ.

In this section, I decided to collect questions on the topic of Bitcoin withdrawal that are asked most often.

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. Those methods that work now may become unavailable in the near future. At the same time, at the moment, WebMoney has the best exchange rate for Bitcoins to rubles (among the methods 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 this will still be one of the most profitable ways to withdraw Bitcoin. There is another convenient way to withdraw money from WebMoney in Russia: bank cards of telecom operators.

For example, Megafon or Beeline cards. You simply top up your phone balance and the money automatically appears 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 per day (that’s about 200,000 rubles per month). At the same time, the commission for replenishment is only 0.8% (standard WebMoney commission). Not suitable for large sums, 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?

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

So the search for another withdrawal method was not due to the exchange rate, but more as an insurance against blocking of receipts by banks. Therefore, now I have settled on WebMoney and received the necessary certificate to work 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 with a bank card. 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, I will use an 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 direction of exchange “Bitcoin - Qiwi” to the table. Exchangers will be sorted by the best rate and all you have to do is 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.
• Withdraw Bitcoins to Qiwi using LocalBitcoins. Immediately on the main page of the site you will see offers to purchase your Bitcoins for rubles or dollars of the Qiwi payment system. So you will need to choose the best offer for you and make the exchange.
• Withdrawing money from a Bitcoin wallet to Qiwi using a Telegram bot. The exchange here is carried out in the same way as with a bank card. The process itself is similar to 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 is similar to the process of withdrawing to the Qiwi payment system.

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Withdrawing money from the current account of an LLC is not as easy as from the account of an individual entrepreneur. To ensure that tax officials do not have questions for the head of the company, any financial transaction, including those related to the withdrawal of funds, must be fully justified. Unlike an individual entrepreneur who has the status of an individual, an LLC cannot perform this manipulation using a simple bank transfer, but this does not mean that there are no ways to withdraw funds. 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 carried out only if there are certain reasons. In case of non-compliance with this rule, the director or accountant of the company may be held liable in the form of penalties. Therefore, all manipulations with money must be carried out through accounting and have legal grounds.

Options for withdrawing funds from the LLC current account

There are 5 most popular methods 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 presented material, you can choose the most suitable option for you to implement 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 a certificate of work performed, payment for which will be the transferred funds.

Please note that when drawing up an agreement for the provision of services or performance of work, it is necessary to take into account the scope of the LLC’s activities. Inconsistency of the provided service with the direction of the company may arouse suspicion among 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.

Applying for a loan

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 to borrow funds.

Advantages of the method:

1. You can get a loan at a minimum interest rate, including zero interest. If a loan is issued at zero interest, personal income tax is deducted from the entrepreneur;
2. the duration of the contract is unlimited, that is, you will not have to return the money in the near future;
3. the money is transferred to the businessman’s personal account or can be received through the cash register;
4. There are no limits on the size of the loan.

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

Withdrawal of money for reporting

Any member of the company who is officially on the company’s staff can take advantage of this opportunity. Unlike the previous method, this withdrawal option has some restrictions. Thus, you can transfer only the amount specified in the contract. At the same time, the company 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 the 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% personal income tax) voluntarily, it may be withheld from other types of his income.

Transfer of dividends, features of the operation

It is possible to transfer funds as dividends. A member of the company has the right to manage the company’s money, which remains after paying all mandatory taxes and fees.

Some nuances should be taken into account:

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

Note! Payment of dividends is not made if the amount of profit to be distributed among the company's participants 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. preparation of documentation regulating the transfer of money. The final document must contain information about the frequency of payments and deadlines for transferring funds. In addition, a mandatory element of the contract must be a clause stating that in the event of a decrease in the company's profits, the payment of dividends will be suspended.

It is possible to cover the expenses of the LLC founder without resorting to withdrawal of funds. Read on to find out how to do this.

The company can pay for:

• expenses of a company participant on a vehicle;
• travel expenses. Costs are covered on the basis of a travel certificate;
• payment for goods and services corresponding to the company’s field of activity.

All incoming and outgoing transactions must be confirmed by receipts or checks. Lack of reporting documentation may result in hefty fines.

In addition to those 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 disadvantage of the illegal method of transferring money is the fact that such activity is punishable by law and instead of money you can receive criminal punishment.