Many people now use electronic payment systems. This is very convenient: electronic money can be withdrawn into cash or used to pay for any goods or services online. One of the most popular payment systems is WebMoney. It allows you to open wallets equivalent to almost any currency, and also offers many ways to withdraw electronic money.
WebMoney wallets
Each wallet of the WebMoney payment system corresponds to a currency. The rules for its use are regulated by the legislation of the country where this currency is national. Accordingly, the requirements for users of an electronic wallet whose currency is equivalent to, for example, Belarusian rubles (WMB), may differ significantly from the requirements for those who use rubles (WMR).
A general requirement for all users of any WebMoney wallets: you must be identified in order to be able to use the wallet
Usually, you are asked to undergo identification within the first two weeks after registering in the system, otherwise the wallet will be blocked. However, if you miss the time, you can contact support and they will help resolve this issue.
Limits on storage amounts and financial transactions directly depend on the WebMoney certificate. The certificate is assigned based on the identification process and the amount of personal data provided. The more the system can trust a particular client, the more opportunities it provides him.
Table: comparison of WebMoney wallet parameters
| R-wallet | Z-wallet | E-wallet | U-wallet | |
| Wallet type, equivalent currency | Russian ruble (RUB) | American dollar (USD) | Euro (EUR) | Hryvnia (UAH) |
| Required documents | Passport scan | Passport scan | Passport scan | Temporarily not working |
| Wallet amount limit |
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| Monthly payment limit |
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| Temporarily unavailable. |
| Daily payment limit |
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| Temporarily unavailable. |
| Additional features |
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How to profitably withdraw money from WebMoney
There are many options for withdrawing electronic money: from transferring to a bank card to cashing out at the offices of the payment system and its partners. Each method involves the accrual of a certain commission. The smallest one is when withdrawing to a card, especially if it is issued by WebMoney, but this option is not available for ruble wallets. Some exchangers also have the highest commission when withdrawing money via money transfer.
On the map
To withdraw money from WebMoney to a card, you can either link it to a wallet or use the “Withdraw to any card” function.
In the first case, the “plastic” will already be linked to the wallet, and subsequently you will not have to re-enter its data every time you withdraw. It will be enough to select it from the list of cards.
In case of withdrawal to any card, the user indicates the details of the card to which he plans to withdraw money
The money is credited within a few days. The withdrawal fee averages from 2 to 2.5%, depending on the bank that issued the card.
The most popular banks whose services are used when cashing out:
- PrivatBank;
- Sberbank;
- Sovcombank;
- Alfa Bank.
In addition, you can order the issuance of a card from the WebMoney payment system, which is called PayShark MasterCard - this option is available only for currency wallets (WMZ, WME).
Here one more condition is added: in addition to the passport (which must already be uploaded and verified by the employees of the certification center), you need to upload a scanned copy of a utility bill no older than six months. The invoice must be issued in the name of the payment system user and confirm that the residential address indicated in his profile is correct.
Withdrawing funds to this card involves a commission of 1–2%, but the money arrives instantly.
Money transfers
Withdrawing money from WebMoney is available using direct money transfers. For Russia it is:
- Western Union;
- UniStream;
- "Gold Crown";
- Contact.
The commission for using money transfers starts from 3%, and the transfer can be received on the day of its execution in cash at the offices of most banks and at Russian Post offices
A postal transfer is also available, the commission for which starts from 2%, and the money reaches the recipient within seven working days.
Exchangers
These are organizations that help withdraw money from WebMoney wallets to a card, account or cash in difficult conditions (for example, in Ukraine) or when you need to withdraw money urgently.
There are such organizations in many countries. They charge a commission for their services (from 1%), so it often turns out that withdrawal to a card or account directly can be cheaper.
In addition, you need to check the reputation of the exchanger, since when collaborating, confidential data (WMID) is transferred to its employees and money is transferred to the company’s account.
The list of exchangers can be seen on the payment system website or in its application in the “Withdrawal Methods” section
One of the ways to withdraw money on the Webmoney website: “Exchange offices and dealers.” You need to select your country and city in the window that opens, and the system will show all exchangers known to it in the territory you specified.
Is it possible to withdraw money without commission?
Withdrawing funds from WebMoney to a card, bank account, cash or other payment system without a commission is impossible, since not a single organization through which money is transferred to a card, account, other wallet or cashed out provides its services for free.
The commission is not charged only for transfers within the WebMoney system if the participants in the transfer have the same level of certificate
Peculiarities of withdrawal in Belarus and Ukraine
Only those citizens of Belarus who have received an initial payment system certificate can open a WebMoney wallet equivalent to Belarusian rubles (WMB) and freely use it.
The guarantor of WebMoney in the territory of this state is Technobank. It is in his office that you can get a certificate, the cost of which is 20 Belarusian rubles. A personal certificate will cost 30 Belarusian rubles.
If the owner of the wallet does not have a certificate of the required level, the money in his WMB wallet will be blocked until he receives a certificate. If this does not happen within several years, then according to the current legislation of Belarus, they become the property of the state.
However, Belarusians can use other WebMoney wallets (and, accordingly, currencies), pay for some services with them and transfer to bank cards.
Certification of the WMB wallet automatically “brings to light” the money passing through it, which is associated with possible questions from the tax service
Recently, the use of the WebMoney payment system in Ukraine has been limited - more precisely, its hryvnia wallet WMU is now inactive: users cannot use it at all, and the money is frozen indefinitely.
Many people bypassed this limitation thanks to a VPN - a virtual private network connected via wi-fi, for example - and the ability to transfer hryvnia to other WebMoney wallets (currency or ruble), and then withdraw money through the services of exchange companies.
Alternative methods
If for some reason there is no possibility or desire to withdraw money from the WebMoney electronic wallet to a card, bank account or in cash, this does not mean that this money cannot be used.
The possibility of online payment for some services or goods is available, and if the user is not satisfied with the terms of cash withdrawal from WebMoney, he can withdraw money to the wallet of other electronic payment systems, and then cash out the money in a way convenient for himself.
It is worth making sure that in this case there will be no even greater losses on commissions.
Payment for services and communications
The WebMoney payment system makes it possible to pay for certain services, including:
- communal payments;
- mobile phone balance replenishment;
- replenishment of game balance;
- payment for Internet provider services;
- purchases in online games;
- purchases and payments for services on social networks;
- payment for transport services: taxi, parking, public transport, etc.;
- payment for purchases in partner companies - for Russia, the list of such companies includes cosmetic companies “Oriflame”, “Avon”, hosting provider services “Beget”, “MasterHost”, security service “Legion” and many others.
An exact list of services and companies for different countries and different regions can be found on the website or in the WebMoney application
You need to select the “Payment for services” section in WebMoney and indicate your country and region in the upper right corner of the window that opens. The system will show all available options.
Withdrawal to Qiwi
Users of the WebMomey system can link a Qiwi wallet if the following requirements are met for the user:
- he is a resident of the Russian Federation;
- possesses a formal certificate or even higher level;
- passed identification.
After this, you can withdraw money to your Qiwi wallet without complications or extra time costs with a commission of 2.5%.
What to do if your wallet is blocked
In this case, it is obvious that using the wallet will not work. If this happens, the first thing you need to do is contact WebMoney technical support. Operators respond quickly enough and help solve any difficulties that arise. Most likely, they will explain the reason for the blocking if it is not clear, and tell you what can be done in a specific situation.
If the wallet is blocked at the legislative level - for example, if a loan payment is not paid on time, usually through Webmoney - unfortunately, technical support will not help until the situation is resolved
To withdraw money from WebMoney, you just need to choose the most convenient and profitable method for yourself once, and in the future withdrawal will certainly be much easier. You just need to decide on the methods available for a specific wallet in a given territory, the acceptable commission size and the optimal withdrawal period.
It has long been known that the general public is more comfortable holding money in their hands than looking at the mythical numbers of an electronic account. It is at such moments that an irresistible desire arises to withdraw funds from WebMoney. A person is more accustomed to handling something that has real value rather than virtual information. Let's figure out how to withdraw money from WebMoney, because it is much more convenient to have money somewhere nearby in your wallet or under your pillow than in a virtual account.
Peculiarities
When it comes to Webmoney, the desire to quickly withdraw funds from an account is a normal reaction, given the service’s habit of blocking wallets without any particular reason. That is why every user should know how to withdraw money through WebMoney. Legally, wmz or wmr are not money, but simply “title units” that have no value. Of course, many may object: “Rubles are the same conventional unit, which has a certain value only during the existence of the Russian Federation.” However, think about who you would be more confident in entrusting your own funds to: an offshore company or the government?
Five ways
In order to transfer funds into your pocket, first of all you need to acquire a WebMoney certificate, which allows you to make various bank transfers easier and faster. In addition, before doing this, install the Keeper Classic program on your computer, which will make the procedure even easier.
All freelancers want to spend the money they earn in the WebMoney system on their needs without restrictions. But not all real stores accept this currency yet. Therefore, you have to think about how to withdraw money from WebMoney in cash. This means withdrawing the required amount from the system and getting the rustling bills into your own hands.
Most often, you need to withdraw from your WMR wallet that stores rubles. After all, most movement in the virtual world takes place in ruble equivalent. Less often there is a need to cash out the dollar equivalent of WMZ. Well, other currencies, for example, the equivalent of the hryvnia WMU or the tenge WMK, will be needed only in those countries that use such money.
How to withdraw money from Webmoney - an overview of available methods
There are several most popular ways to withdraw Internet currencies to bank accounts or through various transfer systems. All of them differ from each other only in the time frame during which the cash will arrive, or the commission charged by the system for withdrawing these funds.
The most popular withdrawal directions are:
- transfer using Russian Post;
- payment to the bank to your own current account or plastic card;
- output using Contact translation systems, etc.;
- sending to other electronic systems;
- transfer to the issued own virtual card of the system.
You can also withdraw money through an intermediary by simply transferring funds to his wallet, and, having agreed on a meeting, receive cash from him.
How to withdraw money from Webmoney to a card
To send finances to a card, you first need to link it to your WebMoney account. This is done on the website banks.webmoney.ru after authorization. On the service page you need to select the option to attach bank cards. In this section you need to click the “Attach” button.
Step 1. Go to the card linking menu 
Step 2. Select a wallet to link 
Step 3. Enter card details 
Step 4. Find the card among wallets
On the next page, the system will ask you to select a wallet to link to your bank account. Also, if necessary, you will need to set a limit on transactions. After that, continue binding.
In the next step you need to enter the details from the card. There will be three such data:
- card number;
- expiration date;
- secret code CVV or CVC.
After entering the data, a message with a code will be sent to the phone linked to the card, which must be entered into the specified field on the site page and then confirmed.
Now you can see your own card among the open accounts in the system. In this case, transferring to the card takes just a few clicks. Enrollment is also very fast. In addition to the fact that you can withdraw money from Webmoney to a card, it is also possible to replenish your WMR wallet in this way.
Withdrawal to bank account
Of all the available methods for withdrawing funds from WebMoney, many prefer transfer to a bank account. To do this, you need to click on the “Withdraw” link on the webmoney.ru website, and a choice of different cash out methods will become available. In the middle of this table there is a line with a withdrawal to a bank account “Bank transfer”.
Possible withdrawal options
Step 1. Select a wallet for withdrawal 
Step 2. Enter data for sending
In the next window you need to fill in your bank information. Be sure to check all details with the bank. They are also specified in the account opening agreement. After entering them, you need to click on the “Forward” button. Next, write down the amount that will be debited from the wallet. The transfer itself must be at least one hundred rubles. To send it, the system will charge a one-time payment of 15 rubles for processing a payment order to the bank. After this, the payment is confirmed.
The next step is to pay the invoice that will arrive in Keeper. He can either come immediately or stay for a short time, up to an hour. Once you pay your bill, you can be sure that the money went to the bank. Enrollment is usually carried out no later than the next working day.
How to cash out money from a WebMoney wallet using a postal transfer
Users of the system can withdraw money from WebMoney in cash using the most common postal transfers of the Russian Post. Having no other withdrawal methods, residents of distant settlements receive their earned money in this way. The commission in this case will be from two percent. However, the minimum you will need to pay is no less than forty rubles. Delivery of funds may take three to five days. In this case, there will also be a WebMoney commission, the standard amount will be 0.8%.
Form for postal transfer
You need to know that citizens with a certificate from “formal” to higher ones can receive money in this way. Therefore, you first need to upload your passport photo to the website for identification. Having received the required certificate, you can select the item with “Postal Transfer” from the list available to users. Next, on a new page, carefully fill out a form in which the recipient’s details are indicated. The transfer takes about three days, the commission is charged by mail at about three percent.
You must take your passport with you to the post office.
Withdrawal via money transfers
On the page for withdrawing funds from the system, you need to select the line with “Money transfers”, click on the “More details” link and select the desired direction for withdrawing your finances. The most popular transfers include the Contact system and the Golden Crown.
Step 1. Choose a convenient transfer system 
Step 2. Fill in the details for sending
Withdrawing from WebMoney via CONTACT takes about half an hour. To do this, you need to click on the logo of this money transfer system, and then fill out a special form with your passport data. Taking your passport with you, you can then go to the nearest payment office and receive cash.
If it is not possible to immediately withdraw the money, then you need to know that the CONTACT system stores the transfer for up to thirty days.
This is quite enough to get to the point of issue of such transfers.
Withdrawing funds using terminals
In some cities, it is possible to withdraw money from WebMoney using terminals. The location of such points is available on the website geo.webmoney.ru. The list of countries providing this function includes ninety states. There are also regions of Russia here, with a detailed description of withdrawal points and their commission.
You can also find replenishment points there. All information is presented very conveniently. Pick-up points are sorted by type.
Many users are wondering about withdrawing money from WebMoney wallets. This instruction will discuss various ways to convert this electronic currency into real rubles using the WM Keeper Standard (Mini) online service.
Step 1. Authorization
Go to the official WebMoney website and click Entrance:
We go through the authentication procedure and confirm login using email or SMS:
Enter the code:
Step 2. Withdrawal methods
Go to the tab Finance:
All your attached wallets are displayed here. If you do not have a wallet, then add it using the button with the icon + :
Click on the button Withdraw funds → other methods:
Here we will see all available methods for withdrawing Webmoney:
Transfers to any card and bank account are available directly from the WM Standard (Mini) online client. Other methods involve the use of third-party services that cooperate with Webmoney, for example, TelePay or Cash Exchanger.
Withdrawal to any card
This is the simplest method. Select from the list To a bank card:
We indicate the card number, amount, wallet from which this amount will be withdrawn, and click OK:
You will receive an SMS on your phone with a code that you will need to enter in the window that appears:
As you can see, in our case, the total amount of the transfer commission was 45.3 rubles. The higher the transfer amount, the higher the commission. For example, when transferring 10,000 rubles to a card. the commission amount will already be 372.32 rubles. You can read more about the WebMoney commission at this link. As for the timing, the transfer to the card will be carried out within 3 business days.
You can also transfer to a card using the TelePay service by selecting in the general list of withdrawals Bank card:
Here we also indicate the card number, amount and click Pay, after which we confirm the payment via SMS message:
Exchange offices
The withdrawal of funds through exchange offices stands out. Click on Exchange offices and WebMoney dealers to see on the map all the WebMoney exchange points available in your city:
Select the exchanger you like and click on its name:
We will be taken to the page of this service, where we can apply for an exchange:
In the application we indicate WMID, wallet number, personal data, direction of exchange (WMZ for dollars or WMR for rubles), amount in cash and the date when you can visit this exchange office:
Money transfers
Fortunately, WebMoney employees have left the possibility of exchanging WMR/WMZ signs for real rubles and currency through the Cash Exchanger exchange. The idea is that one person submits an application to purchase currency or WMR/WMZ, and the other acts as the buyer of these funds. That is, you sell a certain amount of WMR/WMZ to another user, and he, in turn, makes a transfer for the amount you specified through familiar systems (Contact, Unistream and others). The difficulty with the method is that you will have to wait for someone to purchase the specified amount of WMR/WMZ.
To submit an application, click in the general list of methods on Remittance:
We indicate your WMID, password and number from the picture, after which we confirm the login via SMS:
Click on the button Submit a new request opposite any of the presented systems. In our case it will be Contact:
We will go to the exchange website, where we will select Contact:
Fill out the form and check the box I agree with the exchange rules and terms of the public offer, then click on the button Apply now.
Bank transfer
To apply for a bank transfer you will need Formal certificate, presence in the wallet of at least 1008 rub.. taking into account the commission, as well as verified by WebMoney employees documentation, confirming your identity. Violation of any of the above points entails refusal to process the transfer, therefore it is believed that a bank transfer is the most difficult way to withdraw WebMoney.
WebMoney is the most popular electronic online payment system in the CIS, operating both in the Russian-language segment of the Internet and in other countries. When working online, you simply cannot do without WebMoney: with the help of such monetary transactions you can not only make purchases on the World Wide Web, but also pay for telephone, utility bills, pay for almost all Internet services, as well as make transfers between other users and receive earned money. In this material we will look at the key points related to the transfer of Webmoney title units into cash.
To cash out the electronic money system, you must have at least a formal certificate. You can read about how to get it on the official website. Next, decide how exactly you want to make the withdrawal. We will tell you about the most popular withdrawal methods in Russia, Belarus and Ukraine.
How to cash out Webmoney in Russia
This question is not difficult in Russia. Russian users are offered the widest range of services:
- WM banking. It involves withdrawing funds from an electronic wallet to your account on demand, in any currency and in any bank in Russia. The commission for such a cash withdrawal will be 0.8% + your bank will withhold its amount (usually from 1 to 2%);
- Issue of Webmoney card. Not the best option for getting cash. Annual maintenance will cost $60, the commission is $2.5, when withdrawing, an ATM percentage is charged and a small part is written off to pay tax;
- Through an exchanger. One of the most popular methods. In almost all cities there are several certified exchange points that offer to withdraw funds to a card or in cash. The commission will be from 2 to 5%. You can view the list of exchangers here;
- Money transfers. You can cash out using money transfers using Western Union, UniStream, Anelik, CONTACT, Leader. Upon receipt, you will be asked for an identification document, although information about the recipient is not provided to the tax office, so the method can be considered anonymous. In this case, the bank will withhold from 1.2 to 2%;
- Exchange Exchanger.ru. On the exchange, exchanges are carried out between participants, transactions take place in any convenient currency. Receipt of the required amount and the commission are agreed upon by the participants; the system takes 0.8%. You can read more about the terms of cooperation on this website;
- To any plastic card. Withdrawals are available in your personal account. It is made in euros and rubles to a card of any Russian bank for 1.8% of the replenishment amount + an additional 25 rubles. Depending on the financial institution, the transfer takes from 1 hour to 3 days.
How to cash out Webmoney in Ukraine
Residents of Ukraine are given the opportunity to cash out title units of the system in the following ways:
- To a bank card or account. In Ukraine it is not possible to do this everywhere. The list of banks providing the service can be found in your personal account, the commission varies from 1.2 to 3%;
- Certified exchange offices. Withdrawal is made quickly: transferred electronic money - received cash, the commission will be 2-3%, the list of points can be found here. The most profitable exchangers are considered to be Privet Bank, OPT Bank, Privat 24;
- Through the transfer system. There are quite a lot of them, but Aval Express is considered the most popular and profitable. The commission will be 0.8%, the money will arrive within 1-3 days. Detailed instructions are available in your personal account, in the section Withdraw WMU;
- Exchange exchange Exchanger.ru. Read more about working conditions on the website.
How to cash out Webmoney in Belarus
This operation in the Republic of Belarus can only be carried out through Technobank. He offers several options:
- on the map;
- bank transfer;
- through the cash register.
Operations are carried out only through your personal account. Payments are allowed to be made only in Belarusian rubles; foreign currency is converted at the rate of the National Bank. The commission is 3%, withdrawals are allowed to users who have an initial or personal certificate. To obtain certificates you will have to pay $10 and $15, respectively. Money arrives within 1-2 business days.
To a foreign bank card
This method of converting title units into cash requires minimal interest and is suitable for residents of any country, since we will cash out the Webmoney virtual currency using a Mastercard plastic card from Wave Crest Holdings, located in the UK.
It is produced free of charge, its delivery (takes 2-3 weeks) will cost only $9.95. Issued for three years, you don’t have to pay for maintenance. To issue, register in the payeer payment system and select the “my cards” tab in your personal account. Here, enter your details, select your currency and leave your contact information.
After filling out, you will need to go through verification. This is done so that you can use the card to the fullest and receive funds without restrictions. To verify the card, you need to send a photo of your passport or driver's license, as well as a photo of the page of your passport with registration, or another document that can confirm your current place of residence and full name. The process of confirming your personal data will take from 3 to 7 days.
We will cash out as follows: first transfer WMR to Payeer USD, for this you need to use the E-money.cc service. Here are all the detailed instructions on how to make the exchange correctly. After this, the amount will appear in your payeer account within 10 - 30 minutes and, accordingly, you can withdraw it from your plastic card at any ATM that issues dollars. The withdrawal commission will be $1.99 for each withdrawal.
Remember: such actions do not make you completely invisible to the tax office, so be sure to include all information about your income in your income tax return!
What other options are there?
The simplest way is to find among your friends those who need to pay for mobile communications, utilities, or buy something with system title units. You pay their bills and they give you cash.
Another option is online exchange services, of which there are a large number today; you can get acquainted with them on the website bestchange.ru. The disadvantage is the large commission. Another option would be to search for “money changers,” i.e., those who make exchanges with electronic money. Finding them is not difficult: you can do this on various forums, in VKontakte communities, or just search on the Internet, you will find many offers. But do not forget that there are many scammers operating on the Internet, so be careful and attentive, read reviews and ask other users about the person with whom you are going to carry out monetary transactions.
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