It is believed that electronic wallets are needed only by Internet entrepreneurs, for the rest of the users of the global network this is just a whim. Let's look at what wallets are, for what purposes they are needed, which one is better to choose.
What are electronic wallets for ?
Such a wallet can store electronic money, which is the equivalent of real cash in one currency or another. Using electronic money you can:
- buy any goods in online stores, ranging from books and clothes, ending with vouchers and spa services;
- pay for cellular and telephone communications, Internet, cable TV, fines, taxes, utilities and security services;
- pay on credit bank accounts;
- give or take a loan by electronic means;
- exchange one currency for another.
You can put money into your wallet from a credit card, phone, terminal, or make money on the Internet (copywriting, rewriting, earning from affiliate programs, information business, reselling will help with this).
The convenience of electronic money is that it can be withdrawn in any country in a specific currency by choosing the optimal exchange option. Therefore, most information businessmen can work anywhere in the world, having access to the Internet.
The most popular electronic wallets
Among the most common are the following:
- Yandex. Money - an account is started for free, currently the income from this wallet is taxed, the commission in the system is 0.5%;
- RBK Money - has a standard and advanced wallet with different capabilities, the commission is 0.3-0.5%;
- A single wallet allows you to perform many operations without a commission or with a minimum 2-3% deposit;
- Moneta.ru, like other wallets, inside the system allows you to carry out operations without commission;
- Qiwi - a wallet that allows you to transfer money from your phone to Qiwi, is easy to register and has more advantages for ordinary users;
- WebMoney - WebMoney electronic wallet, which has free and paid certificates with restrictions on operations and financial capabilities, the commission is 0.8%;
- PayPal - an American wallet is convenient for those who earn on Google Adwords ads or buy goods on eBay;
- Moneybookers - British wallet is also convenient for those who live abroad.
Which e-wallet is better?
Depending on your goals and place of residence, different wallets will work. For example, information businessmen prefer RBK Money, Wallet One and PayPal, as these systems allow for a variety of operations. But ordinary users use Yandex. Money and WebMoney for buying goods in stores and paying utilities, where the commission is not significant.
Until recently, electronic money was not taxed. Now many wallets are either state-controlled (like Yandex. Money), or connected with the tax system (like WebMoney), so many use them for personal purposes to pay for online or offline services, and not for making money.
In any case, electronic wallets make life easier for many users on the Internet. But pay attention to two facts: 1) transactions from one wallet to another, belonging to a different system, can have a high percentage of commission (more than 5%), 2) follow the safety rules and do not store a large amount of money in wallets.