Create a Kiwi virtual card: step-by-step instructions, conditions for creating and receiving, rules for use

Many payment systems allow you to create virtual cards, Qiwi is no exception. The use of this type of payment has gained popularity among users in connection with the frequent cases of the loss of ordinary plastic and theft of funds by Internet scammers.

Therefore, it is worth exploring all the advantages, disadvantages and nuances of using a solution from the Kiwi international group of companies.

Advantages of the Qiwi payment system virtual card

The offer of virtual funds from one of the players in the electronic payment systems market allows:

• use a free solution for making payments on the Internet;
• pay for goods in domestic and foreign online stores;
• repay existing loans in Russian banks;
• send money to friends or relatives both to the wallets of the payment system and to real bank cards;

• pay for communication services, Internet providers, cable television and utility bills;
• the use of virtual details eliminates the need for a card issued on a physical medium;
• Kiwi wallet owners are offered many different recharge options;
• developers offer application options designed for use on a mobile device, as well as a stationary PC or laptop.

Step-by-step instructions for creating a virtual map

Card balance is associated with the status of the personal account of the payment system. Therefore, the company proposes to create a Qiwi virtual card after preliminary registration in the service.

1. At the first stage, you need to go to the official website of QIWI. In the top menu, find the "Create Wallet" button.
2. At the second stage, the service will offer to enter the desired mobile phone number. It is worth noting that the system operates in several countries. The service is available to citizens of Russia, Belarus, Kazakhstan, India, the UK and some other countries.
3. After confirming the correctness of the number, the payment system will send a password to the mobile phone, which must be entered in the appropriate field.
4. If the password has not arrived, you can try to create a virtual Kiwi card and wallet again.
5. At the last stage, a message is displayed about the successful completion of registration and redirects to your personal account.
6. In one of the following SMS messages, the service will send the details of a virtual bank card.

Full details and conditions of service can be viewed by selecting "My cards" in the menu of bank cards.

You can also create a wallet in Kiwi and a virtual card through a terminal or mobile application.

Terms of creating and using the wallet

Since the account is tied to a mobile phone number, the main requirement is that the SIM card of the cell phone must be active and be issued to the person who creates the wallet in the payment system.

The capabilities of a bank card and personal account depend on the status of the identifier, which sets limits on the maximum size of a transfer, withdrawal, etc.

The initial level - “minimum” - is assigned to beginners after the creation and authorization procedure. In this case, the following restrictions are set:

• the maximum amount available for storage on the account is 15,000 rubles;
• monthly operations are allowed in an amount not exceeding 40,000 rubles;
• the limit for each transaction is 15,000 rubles;
• no more than 5000 rubles can be withdrawn from the account daily, within a month - 20,000 rubles;
• money can be spent on replenishing the balance of mobile phones, the personal account of the Internet provider, paying fines, etc.
• transfers to other personal accounts, bank cards, payment in foreign online stores are not allowed.

The “main” status requires the registration of personal data in the system, due to which the limits and the list of available operations are increased:

• the balance can hold amounts up to 60,000 rubles;
• maximum monthly limit on operations increased to 200,000 rubles;
• the limit of a single transaction is set within 60,000 rubles;
• from the account you can withdraw 40,000 rubles monthly, the daily limit is the same;
• the owner becomes available to pay for goods in foreign foreign stores and transfers to bank cards or to other payment systems.

Assigning a "Professional" status requires the provision of identity documents. The list of companies performing the identification service is given on the official website of the payment system.

The owners of this type of wallet have the most full rights:

• up to 600,000 rubles can be stored on the account;
• you can withdraw from the card 100,000 per day or 200,000 per month;
• limits on the size of payments and transfers are canceled;
• the limit of one transaction has been increased to 500,000 rubles.

In addition, you need to remember that there is a commission for SMS-informing. When paying for goods in foreign online stores, 2.5% of the payment amount or at least 30 rubles will be deducted from the balance.

Safety regulations

For the safety of funds in the wallet of the payment system, it is worth remembering the following rules:

1. If you decide to create a virtual card "Visa Kiwi Valet", it is safer to use a smartphone or terminal.
2. If you lose your SIM card, you should immediately contact the operator and block the number. Transactions are confirmed by passwords from incoming SMS, so the immediate blocking of communication services will limit access to expense transactions.
3. In case of fraudulent actions, immediately contact the police and contact the technical support of the payment system.
4. If you plan to visit another country, inform the service in order to avoid blocking your card or personal account.
5. Try to remember all the details of a virtual card, do not write down information on paper.
6. Before making payments, regularly update your antivirus software.

Virtual Card Disadvantages

Creating a Qiwi virtual card has 2 main drawbacks. It cannot be used to withdraw cash from ATMs. Limitations exist when trying to pay in a store with a terminal. Such a transaction will be canceled by the service bank.

Life hack: how to avoid blocking the card and account

In recent years, Russian banks have tightened control over all customer transactions. This is due to changes in the Federal Law-115 and requirements from the Central Bank. This law is aimed at combating cashing out money, and not only legal entities, but also ordinary citizens, are under close supervision.

Since the payment system belongs to the QIWI Group of Companies, which includes QIWI Bank (JSC), all transactions are necessarily checked by the financial monitoring service. In this regard, recently quite often you can hear about cases of blocking of personal accounts and cards of users of the service.

To reduce the chances of losing money, and this is what often happens with clients ’money, try the following tips:

• Do not keep large amounts on the balance sheet;
• make payments in installments, dividing the amounts into several days;
• upon receipt of money do not use it and do not withdraw for several days;
• complete the procedure for complete identification;
• make a transaction only if you can confirm its expediency and have supporting documents;
• if the account is blocked, creating a Qiwi virtual card will fail again;
• If you intend to make a large transfer or waiting for the receipt of money - notify technical support about it;
• get yourself a few cards from different banks - the rule "do not store all your eggs in one basket" at present can be attributed more not to sources of income, but to tactics of preserving available funds.

The article describes how to create a virtual Visa card in Qiwi and what risks may accompany further use. Your task is to analyze the information and make a decision.