For people who are actively working through the World Wide Web, the issue of transferring virtual funds into real money is very important. For example, in the West there are no such problems, since most people use bank cards tied to the PayPal service, but until recently it was unavailable for Russia. In recent years, the situation has changed for the better, and now Russian residents can also easily withdraw earned money from this system, and there are several ways to do this. Read about how to withdraw money from PayPal in Russia in the article below.
Withdraw funds to Sberbank card
This option is the simplest and most reliable, because the PayPal service interacts with the bank in an automatic mode without involving any intermediaries. In addition, the transaction fee here is much lower than when using other methods of withdrawing money.
In order to withdraw money from PayPal to a Sberbank card, you will need to link the personal account number and the BIC of the bank to the payment account. Pay special attention to the fact that you need a personal bank account number, not the numbers indicated on the plastic card. You can learn it in different ways: by looking in the Sberbank Online application or by calling the customer service department by phone.
Linking a card to an account
For this purpose, you can use all types of cards - Visa, Maestro and MasterCard. The binding process consists of the following steps:
- Log in to the site or in the PayPal application and go to the "Account" section.
- Select “Add bank account”.
- In the window that opens, enter the data requested by the system: initials, card account number, BIC. Put a tick in front of the line “Private person”.
- Confirm the accuracy of the data provided and agree to verify the account. PayPal has its own multi-stage verification scheme: it sends a certain amount to the bank (within 1 ruble) and notifies the client about this by sending a message to an electronic mailbox. The user needs to enter this number in a special window. Transfer is carried out within 3-4 days.
- At the end of this period, you need to check the receipts to the bank account of Sberbank and enter the data on the received amount in a special field.
- Click on the “Confirm” button.
The linking process on this is over, now you can withdraw money from PayPal without intermediaries.
Important! The above procedure for linking a bank card to an account also works with the “plastic” of other financial organizations. That is, you can withdraw funds to the cards of other Russian banks, for example, Alfa Bank.
Withdraw funds
Now is the time to tell how with PayPal to withdraw money to the card, that is, a step-by-step algorithm of actions. As noted above, money can be withdrawn to cards of almost all categories, including Corn and Payoneer. The main thing is that they be personalized. So, in order to fill out an application for translation it is necessary:
- Log in to your user account through a computer or application on your smartphone.
- Not sure how to withdraw money from PayPal to Sberbank? You must click on the button "withdraw money", which is located on the left side of the screen.
- Enter the data requested by the system: the amount and the selected card. The amount of funds available for sending depends on the status assigned to the user by the system.
- Check the entered information and confirm the operation.
Withdraw money to e-wallets
Many users are concerned about the question of whether it is possible to withdraw money from PayPal to an electronic wallet. The fact is that there is no direct withdrawal of funds to the account of electronic payment systems. To carry out the operation, the account owner will need to use third-party exchange services or the WebMoney and Yandex functionalities. Money in this case will arrive instantly.
This is certainly convenient, however, an instant transaction provides a high percentage of commission. This is due to the difference between real and virtual exchange rates. Perhaps this is the most significant reason why PayPal users are not very willing to withdraw funds to electronic wallets.
Withdraw funds to QIWI wallet
Not sure how to withdraw money from PayPal to your Qiwi wallet? QIWI payment system is one of the most common among the Russian population, due to ease of use. To register for a service, you only need a phone, but then through a special application you can pay for various goods and services, from replenishing a telephone bill to paying utility bills.
As for the transfer of funds from PayPal, certain difficulties arise here, since direct transactions between payment services are impossible, therefore, as in the previous case, you have to use third-party exchange services.
There are, for example, such portals as Best Chance, offering various ways to withdraw money from PayPal with the most favorable rate. But in any case, you need to be prepared for the fact that the commission for the operation will be at least 30% of the withdrawn amount. Moreover, it does not matter in which currency the exchange is made.
To use this method, you need to find an intermediary (not all exchange services cooperate with PayPal), choose the type of wallet, and then strictly follow the instructions. The receipt of funds in the account in this case also occurs instantly: from a couple of seconds to several minutes.
Transfer from PayPal to WebMoney
There are two ways to withdraw money to the WebMoney payment system. The first case is described above, that is, through third-party services. True, the size of the commission will be 12-14% less than when withdrawing money to a QIWI wallet.
The second way is to use the internal service of the WebMoney system, where you can place an exchange request directly in your personal account. But to carry out this operation, the following conditions must be met:
- User certificate cannot be lower than personal.
- The minimum limit for a transaction is three dollars, three and a half euros or 100 rubles.
- PayPal and WebMoney accounts must be registered on the same email address and belong to the same person.
Translation into Yandex. Money"
You think how you can withdraw money from PayPal to Yandex service? For the Yandex payment system, the process of withdrawing funds through electronic exchange points is completely identical. The commission for the operation will be about 20%, and the difference in the dollar exchange rate is 12-15 rubles.
In addition, many users are concerned about the question of whether it is possible to withdraw money to the Yandex. Money". This point should be discussed separately, since transfers to them are carried out according to the same principle as to other bank cards, respectively, funds will be credited to the account no sooner than after 3-5 days. In this case, there is no difference which card is used - real or virtual.
Getting money at PayPal office
For those who are lucky to live in Moscow and St. Petersburg, there is an ideal way to withdraw money, because in these two cities official PayPal representative offices are opened. A significant advantage of this method is that the client receives his funds almost instantly, the wait will not exceed 15 minutes. In addition, the commission for the operation will be no more than 5%.
How to withdraw money with PayPal quickly? To receive funds, you must immediately go to the office and contact a free manager who will tell you what to do next. All information about addresses and office hours is best viewed on the official website of the service.
Transfer funds from PayPal to a Payoneer bank card
For those who work with PayPal on an ongoing basis, it makes sense to get a Payoneer Prepaid Master Card. To do this, you must:
- Register on the Russian-language portal Payoneer.
- Get a virtual account in the USA and go through a two-stage verification process. To do this, you need to specify the sites from which transfers will be made to the card, as well as send scanned pages of the passport.
- If the answer is yes, in two or three weeks a card will be sent to the home address, which will need to be activated by phone number or on the official website.
The account is tied to the wallet in your personal account: in a special column it will be necessary to indicate “Virtual Bank Account in the USA”. Maintenance of this card will cost $ 21 per year. Money transfer will be carried out within three to five days.
Now you know about all methods of transferring funds, as well as how to withdraw money to a card from PayPal service for both Russian banks and foreign ones (using Payoneer as an example). In principle, this method is no different from operations with ordinary bank cards, except that you will not need to pay any fees for transfers from PayPal, and it will also be possible to withdraw money in any bank terminal.
Money transfer fee
A huge advantage of the PayPal service is that the system does not charge commissions for direct transfers to bank accounts and cards. Only individual banks may appoint an additional commission, but recently this has been very rare.
Payment for goods on the Internet is also not subject to additional fees - everything is compensated by the seller, for whom a fixed rate of 10 rubles and plus 3-4% of the amount of the check is set. The commission is charged only if the user receives funds in cash at the company’s office or when transferring between the payment systems mentioned above.
Term for receipt of funds to the account
Transfers from PayPal to bank cards and accounts, including Yandex. Money ”occurs within three to five days. This is perhaps the most unpleasant feature of the system, but it makes it possible not to lose money on paying commissions. According to the statement of PayPal itself, a long term of the transfer guarantees the security of the transaction, confirms the true intentions of the account holder and the fact of the movement of funds. Operations for crediting money to payment systems (WebMoney, QIWI and Yandex) are carried out instantly, but are subject to a high commission.