Electronic money in Belarus. Which e-wallet should a freelancer choose? How to register an online wallet - complete instructions

10:00 20.11.2013

Following the global trend of leaving the real environment for the virtual environment, money has become electronic. What they eat with ED in Belarus, I found out

Electronic money is a new concept for the financial market, which is currently in its infancy. As a rule, “virtual currency” is usually understood as the monetary obligations of the issuer in in electronic format, located on electronic media at the user’s disposal.

In Belarus, people have long disowned electronic money. Their legalization occurred only at the beginning of 2013, when the new edition of the Banking Code came into force.

In accordance with the letter of the law, electronic money is characterized as units of value stored electronically, issued into circulation in exchange for cash or non-cash funds and accepted as a means of payment when making settlements with both the person who issued these units of value and with other legal entities and individuals, as well as expressing the amount of the obligation of this person to return funds to any legal entity or individual upon presentation of these units of value.
The issuance of electronic money is carried out by the bank on the basis of a license to carry out banking activities.
The procedure for issuing electronic money is established by the National Bank.
Today there are about ten operating in Belarus on absolutely legal grounds. various types electronic money.

WebMoney - time-tested electronic money

In November 2013, the largest and most widespread electronic payment system on the Internet, WebMoney Transfer, celebrates its 15th anniversary.
You can pay via WebMoney for everything your heart desires (or almost everything!). The services of telecom operators, providers, and online retail stores are just the tip of the iceberg.

The first step in working with WebMoney will be creating an electronic wallet. Subsequently, you can top it up in several ways, however, with any of them you will pay a commission of 3% of the amount:

In cash at Belgazprombank branches;
- through payment cards issued by the bank;
- through the ERIP system at any banking service points (commission 2% of the amount).

You can cash out electronic money of this system at the offices of Belgazprombank. The commission will be 2% of the amount.

iPay - pay via mobile account

The issuer of the iPay electronic money system is Paritetbank.

Through iPay, a client can pay for goods and services on the Internet, purchase theater and concert tickets, repay loans, pay for utilities using the positive balance of a personal account on a mobile phone.

Working with iPay is easier than with most other Belarusian electronic money systems, if only because it does not require the creation of an electronic wallet, additional registration and separate account replenishment. Payment for services is made either by sending sms or through your Personal Account on the website payment system.

When making payments in the iPay system, the following commissions apply:

4% - when making payments by loan agreements Paritetbank;
. 4% (minimum 800 rubles) - when making payments using arbitrary bank details;
. 3% - when paying for services through the ERIP system;
. from 0% to 3% (depending on the paid service) - when paying for other services available in the iPay system

If you love skating, love Berlio

Using the Berlio electronic money system, you can make payments for automobile fuel in Belarus and abroad. The “provider” of the system is Belgazprombank.

You can become the owner of a Berlio electronic money card by visiting the Belgazprombank office at the address: st. Dombrovskaya, 9.
To activate the card, you will have to visit one of the Berlio company offices in Minsk on the street. Bykhovskaya, 55.

The purchase of electronic money is carried out by depositing cash at the RCC of the head office of Belgazprombank (commission - 0%), or by transfer to the account specified in the service agreement (commission - according to the tariffs of the sending bank).

MTS is not only an operator!

MTS Money is another “virtual currency” system created by Belgazprombank. MTS Money provides the opportunity for its subscribers to make payments using a personal account mobile phone(being within the MTS coverage area). There is no need to open a bank account.

Prepaid cards

If we talk about the definition that the National Bank puts into the concept of electronic money, then we need to mention the prepaid electronic money cards that are issued by Belarusbank, Belinvestbank and Priorbank.

These card products can be used as a regular payment card, but, nevertheless, they are usually classified as electronic money.

Despite the fact that the average Belarusian will not soon receive a salary in electronic money, the further evolution of electronic money systems in Belarus is important and inevitable.

On this moment There are several electronic money systems in operation in the Republic of Belarus. The two largest of them are easy pay and webmoney transfer. Let's see how they differ significantly from each other, what are the positive and negative aspects of both these specific systems and electronic money in principle.
Paying is easy!
Easy Pay is the fruit of many years of work by Belgazprombank OJSC and LLC Open Contact». Russian system has proven itself well not only as a way to pay for utilities and pay for the purchase of goods in online stores, but also as a currency exchange workstation. She has a special website for exchange rates, where you can change electronic money, for example, from rubles to dollars and back at a rate similar to the real one. Easy Pay has proven itself as quality method transfers of money to clients’ bank accounts, from one electronic wallet to another, as well as to Visa cards. They prefer to use it to purchase multimedia equipment, pay for mobile services, and top up online accounts in casinos or games. The main advantage of Easy Pay is the fairly low commission when transferring money to accounts, plastic cards, replenishing balances, and exchanging currencies. Only about 1.5%.
For those who like to work from home.
Webmoney Transfer is similar to Easy Pay. It is distinguished by a wider coverage in terms of the number of users registered in the system. The very design and structure of Webmoney resources suggest that this electronic money is created for “working contacts”. A good technical and advisory service, a powerful currency exchange (currency conversion rates in Minsk and on the exchange are practically the same), many degrees of protection, the ability to manage your account from a mobile phone, etc. The brainchild of OJSC Technobank met all the hopes of its creators. However, it also contains weak sides. These include a larger commission than Easy Pay. It ranges from 3 to 5%. Also in this system, especially when creating a “certificate” (something like cards of regular verified clients), there is close monitoring of how you pay taxes. Of course, you don’t have to create a passport, but it makes it possible to use the improved interfaces of the webmoney keeper program. Representatives of “free professions” like to use this electronic money system - programmers, web designers, layout designers, bloggers and web writers, etc.
Difficulties in translation.
In general, it should be noted that electronic money has such an undeniable advantage as convenience. You can receive a money transfer without leaving your home, top up your bank account from your mobile phone, and pay for a huge number of services and goods. All this attracts people. Perhaps the biggest drawback is the lack of a clear legal position of the state in this area. Sometimes precedents happen. For example, you won ten thousand dollars in an online casino. They immediately transferred it to their webmoney account and went to cash out. You will be easily arrested. Because there is an article stating that you cannot transfer more than two thousand dollars a year without paying taxes. And then explain to the financial police where you got the money from and why you didn’t share it with the state.

Transfers from card to card and non-cash payments have already become familiar to us. What prospects are opening up next for Belarusians? Note that today it is possible to pay for purchases and services without cash, but with digital means. We will tell you in more detail what kind of fruits these are and how they have taken root in our country.

Let's consider the main concept

There are already a lot of electronic money systems operating in the world. They can be international or local. Perhaps you have ever heard of the Russian tool or American PayPal? What about Chinese Alipay and Tenpay? If these systems are readily used in the West, then penetration into the lifestyle of citizens of the CIS countries occurs gradually. Our compatriots are also looking closely at the achievements of virtual financial reality and are cautious about starting such a thing as .

The legalization of such money in our area happened more than 5 years ago. What is behind the phrase “electronic money”? As the Banking Code states, these are electronically stored units of value. They are issued into circulation in exchange for cash or non-cash money either by a bank or an NKFO.

What is the classification?

What types of electronic money are there? They are divided into two large groups. Firstly, those that are issued on the basis of smart cards (this is bank plastic with a chip). Simply put, these are electronic wallets. The equivalent of money transferred in advance by the client to the card issuer is recorded on the chip. Operations are carried out within the credited amount.

Secondly, network money, which is based on networks. They work at the base software system or network resource. The latter are the most common, convenient and reliable. Their diversity is discussed in this publication.

Electronic money in Belarus

How do we feel about electronic money? As noted above, digital money has also found its own corner in our country. You can already find about a dozen names of such systems. What electronic wallets are there in Belarus today? As of April 2018, electronic funds are issued by Bank Moscow-Minsk (MTS Money), Bank Solution (QIWIBel, iPay), BPS-Sberbank (ePay), Paritetbank (iPay), Priorbank (OSMP, iPay, Belqi), Technobank (WebMoney). And access to Belarusbank and Priorbank electronic money is provided through MasterCard cards. The list also includes Belgazprombank (MTS Money, V-coin, Berlio), and it has also undertaken obligations to repay electronic funds issued by non-residents: Euroberlio, Rosberlio-Card. Alfa-Bank and BPS-Sberbank also distribute and redeem digital money of non-residents, eCard and Yandex.Money, respectively.

For comparison, we have compiled information about the most popular services in our country into one table. It is mentioned here how to create electronic money, how to withdraw money from an electronic wallet and where it can be spent with minimal losses. For comparison we took WebMoney, iPay, Belqi and MTS.Money.

By using electronic systems you can often pay without commission mobile communications, Internet, utilities, shopping in online stores, fines, or simply doing charity work. And this is just the tip of the iceberg; with them, you can’t redeem your soul from the devil. It is allowed to withdraw funds to a bank account or make transfers, but this comes with a commission. For the convenience of users, we offer mobile applications and other services.

Digital money systems in Belarus

System and bank service	Identification (identity confirmation)	How to top up (commission on the amount)	How to withdraw (commission on the amount)
WebMoney()	At a bank branch: initial certificate – 30 BYN, personal – 40 BYN, and for a business entity – 600 BYN.	Transfer between wallets – up to 1%. Commission 3% at the Bank's cash desks, at ATMs or information kiosks, at the post office, upon notification at the cash desks of Belarusian banks or by transfer.	– through bank cash desks – 2%, – transfer to another bank account 3% or 10% commission, – transfer to a co-branded payment card or to a Webmoney card.
()	- visiting the company’s office or sending certified papers by mail to Russia; – visit to a Yandex.Money agent in Minsk (paid); – in Sberbank Online for 5 BYN, if you are not a bank client, then pay 20 BYN in the office.	– free of charge through Sberbank Online; – transfer from one wallet to another (0.5%); – from a Visa, MasterCard or Maestro payment card in Internet banking (from 1%); – transfer from a mobile MTS account (10.3% + 10 RUB); – in cash through PayNet terminals (5%).	– through a Yandex.Money card (3%); – transfer abroad via Unistream, WebMoney, Western Union, Idram, Contact (up to 5%).
iPay (Paritetbank, Priorbank, Bank Solution)	Not required. Linking to mobile phone balance.	No replenishment	For Life subscribers: 10% of payment for services for Life and MTS communications; 4.5% of payments for; from 3.5% to 4.5% – when paying for services through ERIP; For MTS subscribers: 4% of payments for; 4% of payments using bank details; 3% of payment in ERIP; up to 3% in other cases. (services are temporarily not available for Velcom subscribers)
Belqi()	Free at the bank	Free from a Priorbank debit card and transfer from another wallet; – cash deposit – 1.7% In other cases – 1.5%.	Receiving cash from Priorbank at the rate of 1 “belka” = 1 BYN. Commission 2%.
MTS Money ( , )	Not required	Through ERIP without commission	It is forbidden

What was not included in the review? International system Berlio useful for paying for fuel and other related services. They work more often with legal entities; for individuals the conditions are not so favorable. Electronic money v-coin is a tool for Wellcom subscribers, which is more like a deferment. Up to 100 rubles are given for payment through ERIP. But the money must be returned by a certain date. ePay– a portal for payment only by payment card without interest; you cannot withdraw money. Now is it clear what electronic wallets are currently working in Belarus? :)

Creating a digital wallet

As you understand, an electronic wallet in Belarus is not a rare bird. The operating principle of these systems is generally the same. It looks like this:

• - Get free registration on the official website of the electronic system.
• - Sometimes it is recommended to undergo verification/ identification . Here the tasks become more difficult. Most likely, you will need to come to the office to confirm your identity. But after completing this procedure, more opportunities for using the account will open up.
• -Next, it is expected to replenish the wallet with cash and direct work with a wallet.

The question of which electronic wallet is better to open for withdrawing money to a card arises for everyone who is faced with cashing out. Endless commissions for replenishment and transfers eat up part of your hard-earned funds. But choosing a service based on the principle of “where is cheaper” is also not worth it. Let's consider popular sites according to three criteria:

• simplicity of the interface and accessibility;
• liquidity (the ability to instantly exchange for cash or some asset);
• safety.

We do not ignore regional features. Each country has its own national systems. However, the times of the “cold curtain” are in the past. Therefore, from all the options we choose only universal ones.

• QIWI Wallet– characterized by an abundance of payment terminals and ease of use;
• Webmoney– the safest site with large selection currencies;
• Yandex money– a plastic card can be sent to any country, there is no commission for non-cash payments;
• AdvCash– provides profitable internal transfers;
• Visa– ease of registration and compatibility with all terminals;
• Payeer– popular all over the world for working without proof of identity.

Of the six platforms common in the Russian Federation, Qiwi has the lowest commissions and the most user-friendly interface. But WebMoney guarantees the best protection against fraud. The accounts of both payment systems are linked to each other. This makes the tandem convenient and economical.

Virtual services appeared in the Republic of Belarus relatively recently. Among them, the most popular are the following:

• Webmoney– as in Russia, the site takes first place due to its multi-currency;
• Yandex money– a plastic card is active in almost all payment terminals;
• Belqi– works on the basis of QIWI, therefore all operations are similar;
• EasyPay– one of the first services.

Yandex Money proved to be the most convenient. You can pay with an internal card in any store with a terminal. Cash withdrawals are also available, but commissions leave much to be desired. Easy Pay is convenient when paying through the “Raschet” system. With WebMoney it is easy to pay using ERIP and withdraw funds to a bank account (although the commission sometimes reaches up to 8%). An undeniable advantage is multicurrency.

There is currently a ban on the work of some parts of the country. Russian services. Therefore, they can only be used to bypass blocking, which is not entirely legal.

• Webmoney – optimal choice for freelancers;
• PayPal– used to pay for purchases abroad;
• UkrMoney– cooperates with PrivatBank, supports different currencies;
• Liqpay– convenient payment acceptance, cooperates with most large companies in Ukraine, Europe and America;
• iPay.ua – instantly transfers funds anywhere in the world;
• Payoneer– beneficial for remote workers who work with foreign customers.

The latter system became a trend in Ukraine in 2018. It allows you to quickly and safely receive money from any corner of the planet. Features a minimum commission. But if payment comes only from clients from the CIS countries, the most convenient is good old WebMoney (this makes cashing out rubles much easier).

TOP 3 best resources – detailed summary

Having studied what electronic wallets are available in Russia, Belarus and Ukraine, we highlight three popular ones:

• . It occupies leading positions in the Russian Federation and CIS countries. Its unique advantage is multi-currency and an internal exchanger.
• . Funds on the internal plastic card are available at bank payment terminals and ATMs around the world. This means that you can pay in cash or by bank transfer.
• To register, you only need a mobile number. Simple and intuitive interface. You can issue a plastic card in rubles and dollars.

Now let’s take a closer look at the tariffs and functionality to decide which e-wallet is best to choose for withdrawing money:

	Webmoney	QIWI	Yandex Money
Registration	telephone e-mail personal data	cellular telephone	Email
Currencies	rubles; dollars; Euro; hryvnia; Belorussian rubles; Vietnamese dongs; gold; cryptocurrency	rubles; dollars; Euro; tenge	rubles
Card issue	dollar or euro – 10 USD virtual – free	ruble – 199 rub. (available only to residents of the Russian Federation) virtual – free	ruble – 199 rub. virtual room – free
General card and wallet account	+ (WMZ or WME)	+	+
Transfer within the system	0,8%	0%	0,5%
Refill	depends on the amount	0% by bank transfer	Sberbank – 0%, others – 1%
Transfer to a third party card	2.5% + 40 rub.	2% + 50 rub.	3% + 45 rub.
Cash withdrawal	2.5% in dollars	2% + 50 rub.	3% + 15 rub.
Withdrawal of funds	depends on the amount	bank account – 1.6% card – 2%	bank account – 3% card – 3% + 45 rub.
Payment for goods and services	0%	0%	0%

Important! QIWI and Webmoney accounts can be to tie between themselves!

If one of the sites suits you according to a number of parameters, it is better to issue a card for it. This way you don’t have to pay a commission for transferring money to plastic. Let's summarize the table data:

1. Kiwi It is most profitable to cash out large amounts and transfer funds within the system.
2. Yandex convenient for paying for goods and services in the terminal.
3. WebMoney saves only on foreign currency transactions.

Withdrawal to card

For clarity, let’s look at how to transfer money from an electronic wallet to a Sberbank card.

The mechanism is similar for all online services:

1. We enter Personal Area via email or social networks.
2. Click the “translate” tab (the name may vary slightly).
3. We choose the “to bank card” method.
4. We indicate the card number and amount.
5. We confirm the operation using an SMS code (E-NUM for Webmoney).

Main difference different platforms– amount of commission when transferring funds to third-party bank accounts:

• QIWI – 2% + 50 rub.;
• WebMoney – 2.5% + 40 rub. – additional conversion fees may apply;
• Yandex Money – 3% + 45 rub.

I hope my reviews and arguments help you decide which e-wallet is best to get for use in Russia, Belarus and the CIS countries. And the main thing is to take into account regional characteristics.

After all, flexibility in accepting payments is one of the most important qualities of a successful freelancer. Therefore, I recommend registering all three payment systems and using them according to the following scheme:

1. Link WebMoney to Qiwi.
2. Make plastic cards for QIWI and Yandex Money.

This gives you the opportunity to accept any payments and freely transfer funds between accounts. At the same time, losses are minimal. With Yandex you pay in stores, and with Qiwi you withdraw cash.

However, it's up to you to decide. Personally, I have been using Webmoney (mainly because of its multicurrency) for more than 6 years to work with customers from Russia and Belarus.

Read more about how to create an electronic wallet in each of the services on the blog.

Let all your financial transactions be profitable and safe!

Webmoney is an electronic payment system with which you can exchange and make payments with specially created title units, upon withdrawal of which you receive real cash equivalent. This type of payment system has become widespread among residents of the CIS countries who use Webmoney to make a wide variety of payments.

Residents of Belarus also have access to creating an electronic wallet, as well as using the specially created electronic currency WMB, the equivalent Belarusian rubles. Registering a Webmoney wallet in Belarus has its own difficulties and features that should be taken into account when deciding to open it.

In this article, we will take a closer look at all the subtleties and features of registering Webmoney in Belarus, and learn how to obtain different levels of certificate. We will also tell you how you can officially and unofficially withdraw funds from an electronic wallet.

What is Webmoney

Webmoney is an international payment system that has been available to users since 1998. From the very first days, the use of an electronic wallet of this system has become popular among residents of the CIS countries. It is here that when performing a variety of transactions, people from all electronic payment systems prefer Webmoney. To carry out various exchange and payment transactions in this system, special title units have been created, which are equivalent to existing banknotes:

• WMZ - US dollars (Z-wallet);
• WME - euro (E-wallet);
• WMR - Russian rubles (R-wallet);
• WMB - Belarusian rubles (B - wallet);
• WMU - Ukrainian hryvnia (U - wallet);
• WMK - Kazakhstani currency (K - wallet);
• WMG is the equivalent of gold in grams (G is wallet).

Each electronic wallet corresponds to a specific type of currency and is designated by an English letter and a set of numbers, which are the individual wallet number used to make a payment. All operations within this payment system are carried out only between wallets of the same type. You can transfer title units from B - wallet only to B - wallet. If you need to have a certain amount in another wallet, you simply use the internal funds exchange.

Advantages of the Webmoney electronic wallet:

• Using the Webmoney electronic wallet, you can store money electronically.
• You can quickly and easily transfer and exchange your funds between different Webmoney wallets.
• You can create a large number of different wallets for the Webmoney payment system.
• Using the available funds in your e-wallet, you can pay for any services and purchases: mobile communications, Internet, television, utility bills, goods in online stores, etc.
• You can use your e-wallet as an exchanger to transfer funds from one wallet to another. In this case, the average exchange rate is used.
• You can withdraw your funds to bank card or to another electronic wallet.
• Special applications have been created for mobile devices, with which you can very quickly and easily manage Webmoney wallets.

Features of using the Webmoney electronic wallet in Belarus

Residents of Belarus also have access to the Webmoney electronic payment system. Since 2006, they can use all available services and functions. However, in 2015, a decree was issued by the president of the country, according to which users do not have the right to use funds located in the WMB electronic wallet - the equivalent of Belarusian rubles. You can operate with these title units only upon receipt of an initial certificate. Starting this year, the rules for using Webmoney in Belarus have become stricter, and the number of checks has also increased electronic wallets users.

Let's consider the most basic features of creating Webmoney in Belarus and its use.

• Registration of a Webmoney electronic wallet in Belarus is absolutely no different from its creation in other countries, for example, in Russia or Ukraine.
• In order to open Webmoney in Belarus, you only need to go to the official website of the payment system and send a photocopy of your passport to the Registrar - in Belarus this is Technobank.
• Residents of Belarus can use their WMB title unit, which is equivalent to the Belarusian ruble. However, you can only access this wallet if you have a certificate no lower than the initial one. Until that moment, if you had funds in this wallet, they will be frozen and after some time will be recognized as ownerless and transferred to the state.
• Since it is impossible to use WMB without the necessary certificate, residents of Belarus can use other wallets - WMR, WMZ, WME.
• On the territory of Belarus, a large number of people use Webmoney electronic wallets, but most of them have only a formal certificate at most. This is the only way to avoid checks and constant monitoring of the movement of funds.
• To obtain an initial or personal certificate, you must contact the Technobank branch in person, which is the only official Registrar on the territory of Belarus.
• Replenishing electronic wallets in Belarus is also a very complex process. The most common solution is to order a special plastic card from any foreign banking system. You can also use special cards that are offered to users on the Webmoney website.

How to create a Webmoney electronic wallet in Belarus - detailed instructions

To understand how to create a Webmoney wallet in Belarus, just open the first videos you come across in a search engine and quickly watch them. There is absolutely nothing complicated here; this procedure is identical for all users of the system. In addition, on the official website of the payment system, when registering, all the requirements and your actions are described in detail.

• First of all, go to the official website of the electronic payment system Webmoney. Scrolling through home page at the very bottom, you can see all the possibilities of electronic wallets for individuals, as well as for business.

• To register with Webmoney in Belarus, you need to click on the button Registration.

• A page will open in front of you where you will see all the steps that you need to go through to register your electronic wallet in Belarus. First of all, at the first stage you will be required to enter a mobile phone number with the Belarus code +375. Be sure to indicate your current mobile phone, as you will receive a special password with which you will complete registration with Webmoney. Also, in the future, passwords will be sent to the number you specified to confirm transactions.

• In the second step, you will be asked to enter your personal data. Please indicate your full date of birth, as well as your country of residence: Belarus. Be sure to indicate your email address, to which all system notifications will be sent. You will need to enter Security Question and write a response to it. For example, your mother's maiden name. Click the button Continue. A letter should be sent to your email address, with the help of which the authenticity of this mailbox is confirmed.

• At the third stage, you will need the code that was sent to the mobile phone number you specified. It consists of 4 numbers. Enter it in the empty box and click the button Continue.

• At the fourth stage, a login page will open in front of you. Where you need to specify your login and password. Your login will be the mobile phone number you entered earlier, which is why you had to enter a valid cell phone number. You will need to come up with a password, preferably different from the password on your mailbox. Next, you will need to enter a captcha, and you will become the owner of an electronic wallet in Belarus. At this stage you receive the lowest alias certificate. The payment system treats such users with caution, so in the future it is best to send a photocopy of your passport to receive a higher certificate.

For more convenient use of your electronic wallet, it is recommended to install the Keeper Standard Mini program on your computer. The official Webmoney website has a special section on ways to manage your wallets. This is where you can learn about the most common and popular types of applications. To go to Keeper Standard, click on the link provided.

Next, you will need to enter your username and password. You can enter your WMID as your login. Mobile phone number or address Email. After pressing the button To come in, your wallet page will open in front of you.

to yours mobile devices, you can also install the Webmoney Keeper program on your phone and tablet. It can be downloaded from PlayMarket on Android smartphones and from the AppStore in Iphone smartphones.

As you can see, the answer to the question of how to open a Webmoney wallet in Belarus is quite simple. The main thing is to follow all the instructions and in a very short time you will become the owner of an electronic wallet.

Types of Webmoney certificates and obtaining them in Belarus

As noted above, when registering a wallet in Belarus, you get the most low level— certificate Pseudonym. Your profile contains only the most minimal data, however, to gain access to the most different functions system, you need to raise your level. With the Pseudonym certificate you have the opportunity to make small transfers; there is a limit on it. Let's look at the features of higher certificates in Belarus.

• Formal certificate. To obtain a formal level for your Webmoney electronic wallet in Belarus, you must enter all your passport data through the Webmoney Transfer Certification Center and send scans of all requested pages. It will take a couple of days for your information to be verified. After which you will receive a formal certificate completely free of charge. Typically this level is used active users systems and freelancers. On the territory of Belarus, such a certificate is the most popular, since to obtain it you do not need to visit the official Registrar and you can avoid the close attention of regulatory authorities.
• Initial certificate. Such a certificate on the territory of Belarus can only be obtained from the official Registrar, which is Technobank. You need to personally come to a bank branch in Minsk or any other regional center. You need to have a passport with you, tell the employee your WMID, fill out the application and pay the established fee for obtaining the certificate. Initial cost Webmoney certificate in Belarus is approximately 20 rubles. This certificate is suitable for legal entities, employees and owners of online stores. If you have a personal passport in Belarus, you can use the WMB wallet without any problems.
• Personal certificate. This certificate requires your personal presence when receiving it. You must present the originals of your documents. write an application and pay 30 Belarusian rubles. A user with such a certificate receives more trust from the payment system and other users.

Withdrawal and replenishment of Webmoney wallets in Belarus

In Belarus, the situation with replenishing and withdrawing wallets is quite difficult. if you do not have an initial and personal certificate. However, even in this case, all your transactions will be tracked.

Official replenishment of wallets:

• through branches of Technobank bank via transfer;
• through payment terminals and ATMs;
• using bank cards;
• through the Belposhta branch.

Official withdrawal of funds from wallets:

• transfer to your bank account;
• transfer to your bank card;
• through special Webmoney cards.

Unofficial methods of withdrawing funds:

• You can order a plastic card from any foreign bank and easily withdraw funds from currency ATMs in Belarus.
• Epayments cards. You can link such cards to your wallet and easily transfer funds to it in dollars or euros.