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What is better Qiwi or Yandex Money?

Electronic payment systems dominate the market these days. The most popular services PayPal, Skrill, WebCreds are presented to the users services ... The list goes on for a very long time, but it is unlikely that a Russian-speaking user who rarely goes abroad or does not plan to make money on foreign portals needs these payment services.

The domestic market offers quite decent alternatives, for example, Qiwi or Yandex.Money, which allow you to pay for goods and services, as well as withdraw money to a bank account with minimal costs. At the same time, many users are interested in the question, which of these services is better? In order to find out the answer, it is necessary to assess their advantages and disadvantages.

Account creation and account funding

One of the easiest ways to register is offered by the Qiwi system. The client does not even need a mailbox: it is enough to indicate the phone number to which the code from the personal account will be sent.

The creation of an account in the Yandex.Money system is also straightforward. True, the user will need a mail@yandex.ru mailbox. Alternatively, you can use social media profiles. Therefore, at this stage, it is not possible to answer that it is better than Qiwi or Yandex.Money.

In terms of replenishing a wallet, both systems offer a variety of methods, ranging from self-service terminals to bank cards. At the same time, Qiwi offers more options for top-ups without commission.

Securing your Qiwi and Yandex.Money account

The problem of ensuring security in our time is more acute than ever, given the increasing incidence of hacked accounts and theft of money.

The Qiwi system offers a minimal set of features to protect funds. Fraudsters only need to get a code in order to withdraw all the money. There is only one way to avoid this: activate the service "confirmation of the transaction by phone". That is, before performing the operation, the user will receive an automatic phone call from the PS. The service is provided on a paid basis.

When choosing between Qiwi or Yandex.Money in terms of data protection, you should know that first of all you need to rely on your own knowledge of network security. Yandex.Money guarantees standard data encryption, but this protection may not be enough. Therefore, in order not to see only zeros on your account instead of money, it is recommended to use paid services of enhanced authorization. For this, the service has developed special code tables and electronic tokens.

Withdraw funds

Considering the question of what is better than Qiwi or Yandex.Money, we must not forget about withdrawing funds. Both systems allow you to withdraw funds in the following ways:

On a plastic card.
Bank account.
Through translation services.
Several years ago Yandex.Money and Qiwi Wallet started issuing bank cards that make it easier to withdraw funds. Of course, only verified users can carry out financial operations related to the withdrawal of money.

Whichever system the user chooses, namely Qiwi or Yandex.Money, the terms of service, commissions and cost of cards are approximately the same.

Yandex.Money issues modern MasterCard cards that allow you to pay for purchases using the PayPass contactless technology. This fact speaks in favor of Yandex.Money. But the use of an electronic payment system for business is prohibited, and this is a significant disadvantage.

It is also worth noting that there is no commission for intra-system transfers to Qiwi. Yandex.Money charges 0.5% for this service.


It can be stated that it is very difficult to define a clear leader and answer which is better than Qiwi or Yandex.Money. Only a user who will use the electronic payment system for their own purposes can give an objective answer.