Payment system RBK Money– a good assistant for managing finances on the RuNet, interesting for both business and personal use. It is convenient for an entrepreneur to receive transfers from partners and accept payments for goods or services. Individuals can make purchases in online and offline stores, pay off utility bills, and top up their mobile phones.

EPS has been officially registered since 2008. In fact, it has existed since 2002, previously known under the RUpay brand. For all its versatility and functionality, the program is distinguished by its simple interface. It is quite capable of competing with such whales as WebMoney or Yandex Money.

Tariffs and commissions

RBC Money is attractive because there are no commissions for many transactions. Individuals can use the following services free of charge:

Transfer (within one PS) money to a card.
Pay in online stores that cooperate with PS.
Receive statements, track payment history.
Design and use “plastic”.
Download the version for smartphone.

Note: If payments have not been made using the card for more than 60 days, the commission will be charged. It is 300 rubles per month (no tax is taken).

In fact, for individuals the tariff exists only for urgent transfer of money to another card or bank account. It is 2.95% of the transferred amount. You can transfer funds from your card to another bank for free within 5 business days. Authenticated users can use this feature.

For entrepreneurs, only transfers in their favor sent by individuals are paid (3.9% of each transfer). All other functions can be performed without commission or subscription fee:

Connect your Internet resource and configure it to accept payments.
Receive reports on cash receipts electronically.
Cancel the transaction and return the money to the payer.
Withdraw money to a bank card.

The site provides several tariff plans for business (“Do good”, “Travel”, “RBK Card”, “Housing and communal services”). They differ from the main version interest rate, which is charged when receiving money from individuals or paying for utilities (housing and communal services tariff). There is also an individual plan, the terms of which are discussed with each entrepreneur separately.

Download all commissions and limits for 2017 at PDF format(44.0 KB).

Registration process

To create an RBK Money wallet, you do not need to pay. The process is free and simple. To begin, register on the website. It's no more difficult than getting a new one email. In this case, only your full name and date of birth are requested (useful for password recovery). Login is Email.

Advice: It is better to immediately enter reliable data. This will simplify the process of restoring access to your account and will not become an obstacle if you need a professional account.

There are two levels of registration with RBC Money: standard and extended. The second opens the way to new opportunities:

rubles are exchanged for other electronic currencies (limit – 100,000 rubles per month);
The daily replenishment limit is increased (up to 3000);
The monthly withdrawal limit is increased (up to RUB 300,000).

For comparison: a standard wallet allows you to operate with an amount not exceeding 100,000 rubles per month, and topped up by 1000 per day.

For an extended wallet, passport data will be required. Scanned copies of the document are uploaded to personal account, are checked by a moderator and, after approval, a professional account is available.

Step one

Step two

System security

Identification by passport is good because it enhances security. There are reviews on the RuNet about the supposedly weak protection at RBC Money. The user has nothing to fear; the process of transferring and crediting funds is accompanied by multi-level protection.

For example, withdrawing money from an electronic wallet to a bank account is only possible if the full name of the account owner and the recipient match. When performing any transaction, a separate password is created for a specific transaction. Without knowing the code combination, the fraudster will not be able to appropriate someone else's.

The programmers took care of SSL encryption with a key length of 128 bits for all payment transactions. According to experts, this is the last word in cybersecurity and, undoubtedly, one of the most effective measures today.

The client can take advantage of additional security measures:

Enable in the settings the function of tracking the IP address from which transactions are made or an account is opened.
Connect SMS notification and confirmation of financial movements via mobile phone.
Choose a secret question and answer to confirm initialization in case you lose your password. The answer should be easy, but carefully thought out, unpredictable for fraudulent social engineering.
Enable the “payment password” option and come up with a combination different from the one entered when logging into your account. Such double protection will allow you to make transactions with the least likelihood of hacking or interception of money.

You can log into your personal account from the mobile application (the program is downloaded for free from the official website). Before the session, a PIN code is entered. This prevents third parties from accidentally accessing the application.

Conclusions

The RBK Money payment system can be trusted, despite its relatively short existence, the program has managed to prove its advantages: access from anywhere in the world, multi-level account protection, simple registration.

As for the methods of replenishing your wallet and withdrawing funds, there is almost the entire range possible options: through other EPS, to a bank account, by postal transfer etc.

RBK.money is an international payment platform providing services to online companies and individuals in more than 60 countries. Payment service RBK.money is a platform for making payments in various ways, including: Internet acquiring, mobile and online payments, Apple Pay contactless payments, Google Pay And Samsung Pay, banking VISA cards and Mastercard, escrow, merchant acquiring, auto payments, splitting and others - in total, more than 10 payment methods are available to the company's clients.

Since its founding in 2002, RBK.money has grown from an internet startup to a leading payment provider with a presence in many countries. The company has created a number of innovative products: the first electronic wallet in Russia (2002), the world's first financial marketplace (2007), the first virtual payment card in Russia (2013). The brand received its new name, RBK.money, in 2008, after being acquired by the RBC holding.

The RBK.money brand unites companies that provide payment acceptance services for online businesses and individuals. The partnership between the NPO Electronic Payment Service (licensed by the Central Bank of the Russian Federation) and Direct Payment Limited (licensed by FCA UK) allows us to work with clients all over the world. Transfer operator cash in the RBK Money system is the NPO "EPS" (personality No. 3509-K, issued by the Bank of Russia on February 11, 2013).

Currently, RBK.money cooperates with more than 30,000 clients and serves over 8 million users in 60 countries.

Led by Denis and Kirill Burlakov since 2015, the company has developed an innovative IT structure, a new technology platform and modernized its business.

More information about the company on the official website: rbk.money

Hello, dear readers of the blog site. Today I want to continue talking about. Next up is the fairly well-known Russian payment system RBK Money, which in terms of turnover and popularity is, of course, inferior to the giants, and, but can be attractive in terms of what it contains There is practically no commission of any kind for using the wallet, for transfers within the system, as well as for depositing and, in some cases, withdrawing funds from your account.

In general, an idealistic picture emerges, which is spoiled only by numerous complaints about the stability of RBK payments. Some users complain about their failure to complete and a very sluggish response, as well as the actions of the technical support service that are practically fruitless.

It turns out that having absorbed all the best that the Runet analogues have, and also becoming in fact the Russian equivalent and (without the problems of withdrawing funds that are inherent in the bourgeois payment system in the post-Soviet space), RBC Money, however, cannot sufficiently provide technical and organizational resources. It's a shame if that's the case. By the way, o are also analogues of our hero, but read about them using the links provided.

RBK Money - operating principles and wallets

Well, oh well. I have not yet encountered any problems when working with RBC Money, so I won’t talk too much about this payment system. Historically, it appeared quite recently, namely in the summer of 2008. But before that, it had existed since 2002, but under a different brand - RUpay.

Name RUpay came from the first letters of the countries for which it was developed (R – Russia, U – Ukraine, well, and the remaining letters mean “payment”). To be honest, I don’t know how successful RUpay’s march across the planet (or at least a sixth of its land) was, but in 2008 the assets of this company were bought by RBC, after a while it was renamed and moved to a new domain www.rbkmoney.ru .

As you can see now, RBK Money no longer has anything to do with Ukraine and this system is intended exclusively for Russians. All transactions in it are carried out exclusively in rubles, which are pegged and secured by RBC Bank rubles. That is, the result was sort of like small-town electronic money from one separate bank.

It is possible that this is precisely why some of their clients have difficulties. However, there is practically no commission in this payment system (you can see them for yourself tariffs) attracts more and more new clients to it. The second advantage is the ease of working with your RBC Money account. This does not require any special programs— all operations are carried out using a regular browser.

On the other hand, simplicity may result in insufficient security, but I personally don’t really believe in this, because it was the case provided that I used it enough safe program, and not the simplest browser version.

In my opinion, at least some serious protection can only be provided by confirmation of all transactions through cell phone, which in the WebMoney system is implemented through, well, or the complete disregard of hackers for insufficiently popular electronic monetary units (when the game is not worth the candle).

At RBK Money, protection is built on using two passwords- one to enter your wallet, and the other to confirm any transactions with the account. Well, plus everything, of course, the channel for working with your wallet is encrypted, and the data of your payment cards that you attach to your wallet is also encrypted.

Just like in PayPal, the login in RBC Money is the mailbox address that you specify during registration. But unlike Paypal, it won’t matter here whether yours is free or not. mailbox or it implements a domain-specific mail option. The payout limit for you will depend only on what type of wallet you use.

In RBC you can create two types of wallets:

Unidentified - in fact, it differs from the second type of wallet in RBK Money only in smaller amounts that you can transfer at a time (no more than 15,000 rubles), and also in that you will not be able to exchange your rubles for other currencies and will not be able to use it for accepting payments on your website.
Identified - here you can realize all the possibilities provided by the system. I advise you to look at a comparison of the capabilities of different wallets and draw conclusions about what you need most. To receive a professional wallet, you will need to provide your passport information.

To get a standard wallet, all you need to do is go through registration with RBC Money :

Regular registration form fields. Unless they should be filled in with your real data, in order to avoid further problems with confirming your ownership of the wallet. Here you will be asked to come up with a password for access, and in the second step the registration wizard will also ask you to come up with a payment password, as well as select and enter the answer to the security question (well, just like when you receive a free mailbox):

Go to your mailbox and follow the link from the email you received.

At the next step, you will be given a choice: either vegetate with a standard wallet (which you have almost already received if you followed the link from the letter you received from RBK Money), or become a person and increase the level of your wallet by clicking on the appropriate button.

RBC Money has no commission for depositing or withdrawing money.

If you choose the option to increase your level, you will first have to log in to the site, and only then another three-step wizard will open, in the first step of which you will need to check the box in the right place (even if you are not a Russian citizen, you can still use a professional wallet in RBC, although you will have to perform a number of steps to verify yourself).

If you are a citizen of Russia, then in the second step you will need to enter your passport information, and in the third step you will need to indicate your phone number and residential address.

Also, to finally assign a professional wallet to you, you will need to make a confirmation payment (the amount is chosen randomly, and if you enter it correctly, this will serve as confirmation) to your bank account or post office, and then enter the amount of this payment in a special form. payment, which you can find out by phone at the bank, or by receipt at post office(similar proof of ownership payment card also used in PayPal).

Account replenishment is possible in different ways, including linking a bank card to it. True, just like in PayPal, you will have to verify it, but this is done quite simply by transferring a small amount, the exact value of which will be the subject of verification.

There is no commission for replenishing your account with RBK Money, but this commission may be taken by the second party with whom you deposit funds. For example, when replenishing your account with Yandex Money, you will be charged one and a half percent of the transaction amount:

The whole point of opening a wallet in RBC Money is that with the help of these electronic money You can pay for many different services (cell phone, housing and communal services, etc.), as well as pay in online stores that accept them for payment.

In principle, you can pay in online stores directly with a plastic card, but as in the case of Paypal, an important role here is played by the fact that you do not provide your card details to just anyone, thereby reducing the likelihood of fraudulent activity.

In addition, the absence of a commission for transfers, deposits and withdrawals (not for all withdrawal methods) of funds from RBK Money seems very attractive (a similar situation, by the way, has developed).

Many people use this payment system to withdraw funds from other payment systems, the withdrawal of funds from which is directly difficult, but it is possible to exchange them for RBC Money.

True, there is a caveat that only 10,000 rubles can be withdrawn to an individual’s account without a commission, and if this limit is exceeded, a commission will still be charged. But these are already details. By the way, you can not only link a plastic card to your wallet, but also, on the contrary, get an RBK Money Visa card, which in theory should provide you with a number of goodies that encourage you to get one.

Among the security settings, only IP blocking will be available (so that operations with your wallet cannot be carried out from any computer other than yours), which you can configure on this page.

Yes, in addition to working with your wallet through the web interface, you will have the opportunity to install the Rbk Money Mobile program on your cell phone, but I haven’t done this and I can’t tell you about my impressions.

Good luck to you! See you soon on the pages of the blog site

History of the payment service

The history of RBK Money begins in 2002 year. It was at this time that a payment system called RUpay appeared on the Internet. A little later, namely on April 16, 2008, the payment system was absorbed by the RosBusinessConsulting company, and therefore, already on June 23 of the same year, Rupay was transferred under trademark, which is known to you and me as RBK Money.

Literally in 2014, the company’s value was estimated at 18 million rubles. Today we know RBC Money as a payment service with an accelerated and simplified process of payments and purchases in RuNet. It is for this reason the range of payments is quite limited and standard: utilities, telephone, internet, online shopping. It makes sense to note that all these payments are made with either minimal or zero commission fees, which, undoubtedly, is a significant advantage and advantage of RBC.

Registration in the system

To gain access to all the features of the payment wallet, you will need to go through quite a few steps. quick and not at all complicated registration process. To do this, you need to fill out the standard registration form with your real data:

We indicate the Last Name, First Name, Patronymic, passport details and address of the current email on the official website
Set a password from the wallet, select security question and create a response to it
Activating mail– go to the mailbox specified during registration and follow the link received in the letter from RBC Money
Go to your personal account. The system will send us a letter in which it will be proposed to replenish the wallet and increase its level (go through the procedure identification)
Setting up security. The ability to set restrictions on IP is supported. This will allow you to limit access to the wallet only from yours or from a group of IPs included in the list of addresses

Passing identification

The identification procedure will establish that you are the direct owner of the account. It is thanks to identification that the payment system distinguishes bona fide users from the mass of swindlers and swindlers, which significantly increases the degree of reliability, making the use of the wallet safe for each participant. As long as your RBC Money account is anonymous, you will have much fewer opportunities than identified users. In addition, the system security service has the right at any time require anonymous users to provide documents that confirm their identity, temporarily limiting the ability to make transactions on their accounts.

If you decide to identify yourself in RBK Money, then you can do this in two ways:

pass identification by mail, by sending RBK Money a registered letter with a statement in which your signature will be certified by a notary;
identify your identity via CONTACT– specialized service money transfers.

I propose to analyze each option more thoroughly and start with postal identification.

By registered letter

In order to send a letter with a notarized signature to the company, you must:

Download from the official website standard application form and print it.
Printed Fill in all required fields with letters.
Visit the notary's office with the completed form and your passport. I would like to immediately draw your attention to the fact that The application can only be certified by Russian notaries.
Verify the signature, stated by you in the application, notarized.
Send an application by registered mail or by express mail at RBC Money. The recipient's address on the envelope must be indicated as follows: NPO "EPS" (LLC), 117393, Moscow, Profsoyuznaya street, 56, floor 11.
As soon as your application is received and processed by the RBC Money security service, the status of your rbk money wallet will be automatically changed. It usually takes from 7 to 10 business days from the date of receipt of the letter.
As for changes in status, after processing by the payment system security officer, it will be changed to either “ Identified", or to " Not identified" The last case means that you will need to repeat the entire procedure from the very beginning and wait latest changes according to your request.

I note that those users who have not yet reached the age of majority will also have to attach to the application a notarized consent from the parents stating that they are not against their child using the RBC Money system.

Via CONTACT

An alternative option for completing the identification procedure is interaction with the CONTACT system. To do this you will need:

Armed with your passport, go to the nearest CONTACT payment point. To find out the addresses of the points where identification is carried out, just call the company’s information department using toll-free number – 8-800-200-42-42 .
Explain to the cashier what you want pay for identification in the RBC Money payment card through the CONTACT system, and provide him with your passport. After this you will need to specify your account number in the RBK system.
You pay for the service and receive a payment receipt. Please note that at payment acceptance points for this event you will be asked for 200 rubles, 50 of which will be automatically credited to your e-wallet account.
Within one business day from the moment you contact the CONTACT point, your application will be sent to the RBC Money security service.
As soon as the system employees check the accuracy of your data, in your RBC Money personal account you will see the status of your account - “ Identified" or " Not identified».

I think that the second option is simpler and faster, and it’s better to use it.

Wallet replenishment methods

Moving on to the more practical part of this article, I want to start it with how to deposit money on rbk money. To deposit money into an electronic wallet account in the RBC Money system, you can go in several ways.

Use a bank card

You can top up your balance in RBK Money with almost any card such as Visa or MasterCard. The only limitation set for this type of input is that you can make no more than 6 payments from one card. To simplify the process of replenishing your wallet, you can immediately link the card to your payment account.

For such a replenishment of your account, you will not be charged any commission, and the money will be credited to your account within 3-4 minutes; at least for me, they came in that time.

Through self-service terminals

I think all readers of this review are familiar with payment terminals, and therefore there is no need to describe instructions for interacting with these inventions of mankind. Since RBC Money cares about the convenience of its clients, you can top up your account through several providers, including: Euroset, Elexnet, DeltaPay, Rapida and Campay. Each of them has no commission and provides instant enrollment funds.

Communication salons

The principle of replenishment is elementary - go to the nearest Euroset branch, contact an available cashier-operator, say that you need to replenish your RBC wallet and indicate the payment amount. Money is credited to the account instantly.

Internet banking

Those who are not used to leaving their computer can top up their e-wallet account via the Internet. Here I would like to draw your attention to the fact that at one time you can transfer to the account no more than 15,000 rubles. The replenishment process in this case is similar to replenishment. Among the partners of RBC Money I found only “ AlfaBank».

Money transfer systems

In this case, we interact with what is already familiar to us CONTACT, in the branch of which we find a free cashier-operator and, by analogy with replenishment in the Euroset salon, we transfer money to our electronic account. The payment amount is sent to the wallet instantly, but you have to pay for it commission of 3.5% from the replenishment amount.

Replenishment by bank payment

Alternatively, you can deposit money into your account using the services of your nearest bank branch. This replenishment option will not be too fast, since crediting to the account occurs within 5 working days. However, it is possible that your bank will process the request instantly and the money will arrive in your wallet on the same day.

Replenishment through online exchangers

If, for example, you have funds for , then you can safely exchange them for the currency of the RBC wallet using a specialized online e-currency exchanger.

Withdrawal methods

To withdraw money from an electronic account, RBC Money users are given the right to choose:

withdraw money to the map;
transfer money to a bank account.

The only thing you will need to worry about before withdrawing funds is going through the identification process. You can withdraw money from absolutely any wallet you own, but only to the card or account of which you are the owner. To receive money, you must:

Go to your personal account and enter your bank details or your card number, for example, or any other card
Confirm the withdrawal of money and wait for it to be credited to your account or card

As for the issue of commission, it all depends on the conditions of your bank. However, its size almost never exceeds 3%.

Mobile application

A real breakthrough for small businesses was the development of RBK Money called RBK Card. The application developers themselves immodestly call this development the No. 1 service in Russia, which allows you to accept payments any bank cards directly from a mobile phone, laptop or desktop PC. Using RBC Card for only 2.9% representatives of small businesses will be able to accept payments from bank cards. To do this, just install the application, register in an electronic wallet and start accepting payments from bank cards, after entering the data of your clients.

Having studied the reviews about the RBK Money product, I got the impression that this application somewhat damp. The fact is that users of the program universally complain about incompetent support service, rather long connections and frequent refusals to accept cards. I think this is precisely what is connected with the fact that at the moment the project has been sent for reboot.

Services for business

It is impossible not to note such a feature of RBC Money as support for working with various services for business:

Connecting online stores. By connecting to the RBK Money system, customers of online stores will be able to purchase goods and services, paying for them with cards from such payment systems as Visa International, Mastercard Worldwide.
Marketing of joint programs. An excellent opportunity to promote the products of your online stores or online services among RBK Money users for free. The essence of this interaction is as follows: you offer your customers some discounts or gifts for paying for purchases in your store using the RBC Money wallet, and in return you receive from the payment system the promotion of your special offers among payment system users.
Accepting payments. Connecting to payment terminals of the RBC Money system allows you to increase the list of paid services and thereby attract new clients. Clients will have the opportunity instantly make payments in favor of online stores, and owners of payment terminals will be able to extract additional profit from RBC Money users from such interaction with the system.

Advantages and disadvantages of RBC Money

Pros

To summarize, it is impossible not to note indisputable advantages of the system, which I would attribute to

Multi-level protection system

RBC Money offers several ways to secure client accounts, including:

regular monitoring payments and other operations carried out by system users;
setting up access to the wallet exclusively from personal computer and owner's phone number;
possibility of use dual password system– you will need to enter a password not only when logging into your wallet, but also when performing any financial transaction.

Instant transaction processing

The lion's share of payments enters the system instantly.

Comfortable use

To actively use the payment options, it is enough that you have a smartphone or computer with Internet access at hand.

No commissions

The system does not charge its users an additional fee for using payment services. This allows all wallet holders to make purchases online at the price originally specified by the seller, without overpaying for system services.

Possibility of connecting an online store

To connect your own online store to your payment system, just fill out a special form on the system’s official website and wait until the operation is confirmed. As a rule, this takes a few minutes.

Cons

As for the shortcomings, here I want to draw your attention to the following points:

Removal of commission for withdrawal of funds

For withdrawal of money through the CONTACT payment system, you will be charged 3.5% of the transfer amount. If you withdraw funds through Mastercard, the commission will be 2%.

Slow withdrawal of funds to bank cards

Despite the fact that the system instantly tops up accounts and pays for services, withdrawing funds from an electronic wallet to bank card it takes quite a long time to produce. On average, withdrawal of funds occurs within 2-3 days, but there are cases when this procedure is carried out within 5 days.

Resume

In conclusion, I would like to say that despite the minor imperfections of the payment system, RBC Money is still a fairly popular and highly sought-after payment system among users of Internet services. Ease of use, high speed of operations and reliable protection- the main advantages of the system. If you have not yet tried the payment options, I suggest you do so right now. Well, for now I say goodbye to you. See you soon!

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Let's look at the features of RBK Money (the nature of working with it is practically no different from working with the Rupay wallet), and also compare the tariffs and range of services provided by the Rupay system in the old version and in its new guise - RBK Money.

The monetary unit operated by RBK Money is equivalent to the Russian ruble. Accordingly, you can top up your account and withdraw money only to ruble bank accounts and plastic cards.

Registration in the RBK Money system

Registration in the RBK Money system is free. In order to register in the system and receive an electronic wallet, you only need to indicate in the registration form your real last name, first name and patronymic (in Cyrillic) and e-mail, and also come up with a password to log into the system. I advise you to approach the issue of choosing an e-mail responsibly, since this will be your login in the system. In addition, at the first step of registration, you must indicate your date of birth - you may need this information if you lose (hacking, lose) your password to recover it.

The second step to ensure the security of your wallet is the security question. You will need to come up with this question and an answer to it and, of course, remember the answer. This data may also be useful to you if you need to recover a lost password.

There are two types of wallets in the system - Standard and Advanced(analogues of non-certified and certified Rupay accounts). In order to upgrade your wallet to an advanced level, you must provide the system with your passport data.

What are the benefits of owning an Advanced wallet compared to a Standard wallet?

increasing the monthly limit on transfers to other users of the system from RUB 100,000. up to 300,000 rubles;
increasing the limit for replenishing a wallet with a bank card (any bank) from 1000 to 3000 rubles. per day (5,000 and 15,000 rubles per month, respectively);
exchange for other electronic currencies (maximum 100,000 rubles per month).

Previously, users of Standard wallets were, in addition, prohibited from withdrawing funds from the system, but in April 2011 this restriction was lifted.

The RBK Money system has the ability to work with an electronic wallet through mobile phone. To do this you need to download from the site and install special application RBK Money Mobile. Mobile application linked to your electronic wallet in the system.

Deposit and withdrawal of funds. Tariffs in RBK Money

Tariffs in payment systems, as you know, are of three types: commission for payments within the system and commission for depositing and/or withdrawing funds.

Until May 17, 2011, the system had a commission for money transfers within the system. It was charged from the sender of the payment and amounted to 0.5% for owners of Standard wallets and 0.3% for owners of Advanced wallets (but not less than 1 rub.). Now all transfers between RBK Money wallets are free.

RBK Money charges a commission for withdrawing money from your wallet (returning unused funds). (See below).

Methods for replenishing your RBK Money wallet and agent rates

The number of ways to replenish your wallet in RBK Money is constantly growing. In addition, it seems that RBK Money is constantly in active negotiations with agents regarding tariff reductions. In any case, almost every month on the system’s website they happily report on the reduction of one or another tariff or even the complete abolition of the commission for any method of replenishing a wallet. Judge for yourself by looking at the table below - the following methods for entering money into the system are currently available:

Agent	Commission	Enrollment deadlines
Ways to replenish your wallet without commission
VISA, MasterCard*	0%	instantly
Through Russian Post terminals and in the WinPost PCT IS	0%	instantly
MTS communication stores and MobileElement terminals.	0%	instantly
Bank payment through Uralsib Bank	0%	1-2 working days
Money transfer system "CONTACT"	0%	up to 2 hours
Money transfer system "Leader"	0%	instantly
Money transfer system "Golden Crown"
Internet banking of Uralsib Bank (Moscow)	0%	1-2 working days
Payment terminals "AMEGA", "Eleksnet", "X-Plat", "Multi-Kassa", "Express Payment", "SkySend", "Free Kassa", "Unikassa", "Pinpay express", " Unified System City Payments", "Quickpay", "Money-Money", Federal System "City", "Forward Mobile", CiberPay.	0%	instantly
Other ways to top up your wallet
Through ATMs from any international bank card
VTB24		instantly
Masterbank	1% (not less than 100 rub.)	instantly
Uraltransbank	3%	in 2 hours
Rapida	from 2%	instantly
Communication salons
Euroset	2%	instantly
By bank payment
VTB24	4% (not less than 300 rubles, but not more than 3000 rubles)	instantly
Federal system "City"	2,95%	instantly
Rapida	from 2%	instantly
OTP Bank	3%	instantly
	3%	1-2 working days
PrivatBank	2% (not less than 20 rub.)	1-2 working days
Rus-Bank-Ural	3%	1-2 working days
Ural Bank for Reconstruction and Development	2,9%	20 minutes
Sotsgorbank	3%	in 2 hours
Bank24.ru	2,9%	instantly
Replenishment via Internet banking
OCEAN Bank	1%	instantly
VTB24	1.5% (not less than 15 rub.)	instantly
OTP Bank	1,5%	instantly
HandyBank	3%	instantly
Ekaterinburg Municipal Bank	3%	1-2 working days
UralTransBank	3%	in 2 hours
Bank24.ru	2,9%	instantly
Through payment terminals
"Alt Telecom"	3%	instantly
"Comstar"	up to 5%	instantly
"Single Settlement Center"	up to 5%	instantly
"MasterPort"	up to 10%	instantly
"KET"	up to 5%	instantly
"Forward Mobile"	no more than 5% including terminal commission	instantly
"Orange"	7%	instantly
"Mobile City Payments"	3,8%	20 minutes
"Volgo-Kama Bank"/td>	no more than 5%	instantly
"Svyaznoy"	3%	enrollment in 2 hours
"Siberian Payment Systems"	up to 5%	instantly
"Regionpay"	up to 5%	instantly
"Absolute Plat"	up to 5%	instantly
"Ugra-Express"	up to 5%	instantly
"Sibplat"	up to 5%	instantly
"RegPlat"	1%**	instantly
"RosExpress"	0,5%	instantly
"e-port"	3%**	enrollment in 2 hours
"SprintNet"	3%**	enrollment in 2 hours
"E-transfer"	2%**	instantly
"Sberkassa GLOBAL"	up to 5%	instantly
"Platimo"	up to 5%	instantly
"Instantly"	up to 5%	instantly
"NOVOPLAT"	1%**	instantly
"Unikassa Irkutsk"	up to 7%	instantly
"Express Payment"	up to 5%	instantly
"Easy and convenient"	5%	instantly
"Express Cashier"	up to 5%	instantly
"CashBox"	up to 5%	instantly
Comepay	1%**	enrollment in 24 hours
Top up with RBK Money prepaid card
At agent rates, including card delivery costs.
Through money transfer systems
Unistream	1%*-2%, but not less than 50 rubles.	instantly (on weekdays)
By postal transfer
Post office	1.7% (excluding VAT), but not less than 25 rubles per transfer	3-4 working days
Electronic currency exchange
Via Yandex.Money	4%	instantly
Through exchange offices	according to exchange office tariffs	instantly
UCash voucher	5%	instantly

* Please note that not any plastic card is suitable for replenishing your RBK Money wallet. These can only be cards from the VISA and MasterCard systems, with Visa Classic, MasterCard Standard and higher (you cannot top up your wallet with Visa Electron/ MasterCard Maestro). Funds deposited into the account from a bank card can only be used to make purchases in online stores, but cannot be transferred to other users of the system.

**Excluding terminal commission

Frequently asked question: What information must be provided when making a bank transfer to deposit funds into the RBK Money e-wallet? The answer is this. When you want to top up your account via bank transfer, you need to log into your account (Personal account) and go to the “Top up account” tab. There you will enter your bank details and receive system details for replenishing your wallet.

Methods for withdrawing funds from the RBK Money wallet
and system tariffs for returning unused funds

System	Commission	Enrollment deadlines
To RBK Money MasterCard	2%	3-5 working days
By postal transfer	3%+(1.7%, but not less than 25 rubles, excluding VAT)	2-3 working days
Without opening an account using the CONTACT system	3,5%	24 hours
To a bank account individual	0%	3-5 working days
To a bank card	0%	3-5 working days
To a wallet in Yandex.Money	4%	instantly
Purchasing a UCash voucher	0%	instantly
Exchange electronic currencies(withdrawal to wallets of other electronic payment systems) through exchange offices	See the conditions on the websites of exchange offices

Tariffs and commissions

Registration process

System security

Conclusions

RBK Money - operating principles and wallets

RBC Money has no commission for depositing or withdrawing money.

History of the payment service

Registration in the system

Passing identification

By registered letter

Via CONTACT

Wallet replenishment methods

Use a bank card

Through self-service terminals

Communication salons

Internet banking

Money transfer systems

Replenishment by bank payment

Replenishment through online exchangers

Withdrawal methods

Mobile application

Services for business

Advantages and disadvantages of RBC Money

Pros

Multi-level protection system

Instant transaction processing

Comfortable use

No commissions

Possibility of connecting an online store

Cons

Removal of commission for withdrawal of funds

Slow withdrawal of funds to bank cards

Resume

Registration in the RBK Money system

Deposit and withdrawal of funds. Tariffs in RBK Money

Methods for replenishing your RBK Money wallet and agent rates

Ways to replenish your wallet without commission

Other ways to top up your wallet

Through ATMs from any international bank card

Communication salons

By bank payment

Replenishment via Internet banking

Through payment terminals

Top up with RBK Money prepaid card

Through money transfer systems

By postal transfer

Electronic currency exchange

Methods for withdrawing funds from the RBK Money wallet and system tariffs for returning unused funds

Methods for withdrawing funds from the RBK Money wallet
and system tariffs for returning unused funds