| Payment system | |
|---|---|
| Official website | |
| Social network | |
| Date of foundation | 1970 |
| Company owner | LLC NKO "UMani" |
| Types of support | Feedback form on the siteLive ChatHelp CenterFacebookInstagramTelegramTwitterClassmates |
| Phone Support | |
| Languages | English |
| Bonuses | Until 100 % Random cashback for paying with a wallet or YUMANI card Until 5 % Cashback by purchase category Discounts Discounts, promotions and bonuses from system partners |
| Account Currencies | RUB, EUR, USD, Tenge, GBP, JPY, CHF, CNY, PLN, CZK, BYN |
| Country | Russia |
| Mobile apps | |
| Licenses | Licensed |
| Affiliate Program | No |
| Advantages | Ease of use and many additional services High speed and reliability Simplicity of the system Ability to pay bills, purchases, services and goods Cashback, promotions and bonuses |
| Disadvantages | Blocking of funds in accounts, including anonymous wallets Low quality of support service and cases of fraud using the system (according to reviews on the Internet) |
| Company requisites | Legal name: LLC NKO "UMani" Legal address: 82 Sadovnicheskaya St., Building 2, Moscow, 115035 TIN: 7750005725 CAT: 770501001 OGRN: 1127711000031 |
| Date of update | February 6, 2024 |
| Overall assessment | 3.3/10 |
YooMoney is this a scam? Review and Customers Reviews
Contents
- 1 Why the payment system YooMoney (ex: Yandex.Money)?
- 2 How do I use YooMoney to pay for goods and services?
- 3 How to register in the YooMoney?
- 4 How to pass verification in the YooMoney?
- 5 Deposit and withdrawal YooMoney
- 6 Bonuses YooMoney
- 7 Reviews about YooMoney
- 8 Regulation and license YooMoney
- 9 Is the YooMoney a scam?
- 10 Conclusion
Why the payment system YooMoney (ex: Yandex.Money)?
Today, there is quite fierce competition in the market for electronic payments. One of the key positions is occupied by the system Yandex.Money which, after a recent rebranding and change of ownership, is now called YuMoneu. This service successfully competes with many payment systems, offers current services to users, including bank, virtual and multicurrency cards, instant payments, as well as cashback, the ability to use an e-wallet for payments or make payments through a purse with a card.
In addition, users can pay for goods, services, use YUMANI for business, fundraising.
The system guarantees apply to payments made through it, including payments for goods and services in online stores.
Among the additional advantages of using the system are a large number of options for top-up wallet, the ability to pay for services and goods on the Internet with a mobile application, the use of direct links to get money in the wallet, collecting donations from viewers. What is actually the payment system YooMoney? Is it a handy tool for doing business? Or is it just another big scam? Let’s answer these questions in a detailed review.
YooMoney for sports betting
A distinctive feature of YooMoney is its focus on the CIS countries. Therefore, many betting companies. As for the foreign companies, it is necessary to study the terms and conditions carefully before placing a bet. As for foreign companies, before making a bet, it is necessary to carefully study the conditions. After all, some of them allow you to accept funds from an electronic purse, but do not allow the same withdrawal of funds from the system.
YooMoney for buying/selling cryptocurrency
Popularity cryptocurrencies is growing every day. Predictions of experts in the field give bright prospects for earnings. Therefore, today it is quite easy to buy and sell cryptocurrency. In most cases, you will have to turn to an intermediary for this, because only a few payment systems allow you to buy cryptocurrency directly or store it in your accounts. In addition, buying cryptocurrency on the internal exchange of the payment system is not always as profitable as using an intermediary service (How to Make Money on Cryptocurrency?). As for ex: Yandex.Money, it is possible to use e-wallet for operations with cryptocurrencies only in exchangers, which are quite willing to accept funds from e-wallets of this system.
How do I use YooMoney to pay for goods and services?
The system is quite widespread in the CIS countries, which allows it to be used to pay for goods and services in the network, as well as in offline stores. In the latter case, special cards can be used to make payments.
You can pay for services directly on the official website of the company yoomoney.ru/?lang=en. The list of payments includes the most popular services, including utility payments, payments for cell phones, Internet, television, travel, payments to online services, financial and credit organizations, as well as charity events and promotions.
How to register in the YooMoney?
The registration procedure in the system is quite simple. It is enough to enter data into a special form. You can register a wallet on the site yoomoney.ru/?lang=en and in the mobile app. To do this, the user specifies the e-mail address that is registered to his name in Yandex, and also enters a cell phone number for communication. It should be noted that in order to get access to the full package of services, as well as to increase the limits on individual transactions, users need to go through the verification procedure and confirm the personal data.
When registering in the system, users are assigned the status “Anonymous”. It allows users whose registration region to keep money in their accounts and make payments. “Identified” status allows users to withdraw money and make transfers, pay for purchases, and collect money worldwide. The “Identified” status allows you to significantly increase your limits, store, pay, withdraw money in 11 currencies, and transfer funds to a bank account or card using Western Union and Unistream systems.
Account type
The YooMoney system offers a wide range of options for both individuals and entrepreneurs. Therefore, users can open a personal account or opt for the business option. The functionality available to clients also differs. For example, individuals can make payments, transfers, and fundraising operations.
While legal entities and self-employed can use an electronic wallet to receive transfers and funds, and additionally use statistics and reporting forms to analyze the financial situation and track the movement of funds. The ready-to-use Cashier module is compatible with numerous systems (CMS, SaaS, CRM) and suitable for frameworks.
How to pass verification in the YooMoney?
For residents of countries there is an opportunity to change the status through intermediaries. Currently, this service is available in Belarus, Uzbekistan, Georgia, Kazakhstan. It should be remembered that the services of intermediaries are paid, and the amount of payment for the services rendered is set by the agents.
During the status change, the user will have to fill out a small questionnaire, specify personal data, which the agent will enter in the general database, and then confirm the status change with a special code, which will be sent to the cell phone number specified during registration. In addition, users can be verified remotely by sending a package of necessary documents by mail. All copies of the documents must be notarized.
Deposit and withdrawal YooMoney
To top up an electronic wallet in the system yoomoney.ru/?lang=en you can use one of the most convenient ways. You can use a bank card, ATM, Internet banking, cell phone balance, electronic payment systems, transfers via bank details, cash when depositing through terminals and cash registers.
When depositing funds into an account, it is important to remember that, depending on the status assigned to the wallet owner, the amount that can be stored in the accounts is limited to certain limits. There are several ways to withdraw funds from the system. Users can transfer money from one wallet to another, use other electronic payment systems, bank accounts and cards, as well as get money in cash through ATMs and Western Union outlets.
Currency of operations
At the moment, users of the system have access to 11 major currencies, which can be kept in accounts, used in calculations, and withdrawn as cash. It should be noted that the registration in the system automatically opens an account in Russian rubles, and only after identification users can use other currencies: U.S. dollars, euros, Belarusian rubles, tenge, pounds sterling, Chinese yuan, Japanese yen, Polish zloty, Swiss francs, Czech crowns. Multicurrency cards allow you to use different currencies to make payments.
YooMoney Commission
It is necessary to remember that when transferring money the system or intermediaries can charge a commission, which directly depends on the size of transfer and existing tariffs. For example, when replenishing a purse from a bank card you need to pay 1%, through Contact system – 1,5%. When withdrawing funds to a bank card, the system WebMoney purse Qiwi a fee of 3 percent must be paid. In some cases, the use of Internet banking allows you to avoid paying the fee.
Yandex.Money payment limits
Limits on cash transactions, as well as the presence of certain restrictions, are closely related to the status assigned to the user. For example, when using a purse anonymously, the user can spend no more than 15,000 Russian rubles at a time, with a linked card, 15 payments per day are available, and the total amount per month must not exceed 200,000 rubles.
The personal status allows you to increase the amount of a single payment up to 60,000 rubles, with a limit of 15 payments a day, and the total amount per month of 200,000 rubles on the linked bank card. After identification, you may pay up to 250,000 rubles from your wallet and 100,000 rubles from your card for a single payment, up to 15 payments per day, and not more than 200,000 rubles per month.
Restrictions on withdrawals YooMoney
As for withdrawing money from the system, it is necessary to take into account that there are limits for cashing out electronic money, the size of which depends on the status of the user. For example, the anonymous use of a purse does not allow transferring money to cards or withdrawing money from terminals. The named status gives the opportunity to cash out up to 5,000 Russian rubles at a time, and with the status “Identified”, the user gets the opportunity to withdraw from a purse the amount of 100,000 rubles at a time.
Bonuses YooMoney
To encourage users in the system yoomoney.ru/?lang=en a cashback system has been developed. Bonuses can be received both in the form of points and rubles. In this case, the points are credited by the UMoney system itself, and the rubles are paid by the partners. You can get points when you make payments with your e-wallet or UMoney card. Cashback in rubles can be received when paying for purchases at partners of the system.
Random cacheback
When you pay with your card or YooMoney Wallet, the payment goes to the bonus reel, spin it and get cashback up to 100%.
Cashback by category
Choose categories of goods and paying for purchases receive cashback up to 5% instantly to your card.
YooMoney Discounts
From the partners of the system you can get not only cashback, but also discounts of up to 60 on various purchases. It is also possible to participate in various games. For example, you can now earn bonus points by participating in the game Manilandia 2: A Space Odyssey.
Reviews about YooMoney
Despite the fact that Yandex.Money is now called YMoney, in fact, the payment system works in the market of financial services for more than a year, in the network you can find a lot of reviews of real clients about its work. It will not come as a surprise that there are positive and negative moments that have been noted by users while working with this payment system. It should be noted that the dissatisfaction is associated with the blockage of funds in the accounts, including when using anonymous wallets, with the low quality of support service, the presence of cases of fraud using the system. As for the positive points, the customers highlighted the ease of use, speed and reliability, the simplicity of the system, the ability to pay quickly and easily bills, purchases, services and goods.
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Regulation and license YooMoney
The relationship between the parties is regulated by law. Regulations and laws have already been developed for the system of electronic payments, as well as additional instructions that regulate the work in general and each company in particular. In addition, the system YooMoney created internal regulations, on the basis of which the work with clients is carried out, operations are performed. The study of this documentation allows you to get an idea of the capabilities of the system in general and the existing regulatory restrictions in particular, to analyze the advantages and disadvantages of its use, to assess the benefits.
License
Along with the rebranding, the company also changed its owner, now the system is owned by LLC NKO UMani, which, in turn, belongs to the Sber group of companies. In the territory of the Russian Federation the company operates on the basis of the current legislation and license of the Bank of Russia № 3510-K.
- View information about NCO UMani LLC (on the website of the Central Bank of the Russian Federation).
User Agreement YooMoney
Before starting to use the payment system, as well as completing registration, it is necessary to carefully study the user agreement, which lists the main points regulating relations between the company and its clients. This information is freely available on the official site of the company. The first thing worth paying attention to is clause 4.1. which specifies the opportunities provided to users.
The need for identification is specified in paragraphs 4.5. and 4.6.
Responsibility for the operations is specified in paragraph 4.11.
Restrictions on access to the wallet are listed in paragraph 4.14.
The cases of blocking of funds on accounts are specified in paragraphs 4.15. and 4.16.
The restrictions that are associated with the use of Yandex.Money electronic wallet can be found in paragraph 4.21.8, for example, it states that:
In addition, there are separate restrictions related to the use of the wallet to finance occult-religious associations and political companies.
Information on methods and restrictions related to the provision of funds is set out in paragraph 5.3.1.
The procedure for depositing funds to the account in foreign currency is specified in clause 5.3.7.
About demanding the balance of the accounts is stated in paragraph 5.6.1.
About the refusal to execute operations is stated in paragraph 5.8.
The claims procedure is listed in clause 8.4.
The identification procedure is described in paragraph 9.2.
The company’s right to request additional information is stated in clause 10.1.7.
Customer Service
You can contact the company for information or problems in one of the following ways:
- Phone.
- Feedback form on the site.
Is the YooMoney a scam?
Based on the data collected on the official website, as well as freely available online, we can conclude that YuMoney – is not a scam. The payment system has been successfully operating in Russia and the CIS for many years and during this time has managed to prove itself as a reliable partner, which cooperates with major companies in the field of financial services, provides modern tools and quality products to users, allows you to do business and use the system in personal interests.
Specially for the convenience of users personal accounts were developed, which are available both on the computer and in the mobile application, which allows you to manage your own finances in any convenient place where there is an Internet connection. For business accounts a set of additional services was developed, which allow to conduct business efficiently, to offer clients a convenient system of settlements, to improve the quality of service. As an additional bonus, the UMoneu system offers the use of a cashback system, which is credited in the form of points and rubles.
Conclusion
It should be noted that, despite the many pros and cons, the system has certain disadvantages, which are directly related to the security system, legal requirements, as well as the quality of customer service support, which is inevitable as the company grows. At the same time YuMoney provide clients with quite a wide range of opportunities for cash management and business operations.
For example, the system allows you to make payments, work with exchanges, bet on sports, collect money through direct wallet links, pay for purchases on the Internet, goods and services in reality using cards. This makes it a convenient and modern tool, which can be used with ease on a daily basis.
Reviews
- In ascending order of rating
- In descending order of rating
- New ones first
- First the old ones
- Popular ones first
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Feedback approved for publication Rate your review 1+10the thieves
Registered a wallet, passed all the checks, dropped money in the wallet, money frozen, every day they write some nonsense, stall time, do not recommend anyone.
Positive- No
Minuses- money was stolen
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Feedback approved for publication Rate your review 000Visit to the St. Petersburg office
Well, let’s go.29.05.2023
St. Petersburg.
Operator: come to the office, business center benua, get the card.
Me: well, ok.
I come, on the enter terminal choose yumani enter phone to the phone should come the code to enter the office ………. code does not come, I to the security of the… Read more
Positive- Not anymore
Minuses- Full review
-
Feedback approved for publication Rate your review 000There is everything you need for family use
We use the Iumani service as a family, everyone has a wallet, including children. Everyone also has a MIR card to pay for purchases. It is convenient that it is possible to transfer money from card to card for children’s pocket expenses without any commission. The senior uses the card to pay for an online… Read more
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Feedback approved for publication Rate your review 000I'm still using it
I am not a fan of Umani service, but in some moments it is very helpful, so it makes sense to use the application. Yes, there are some rough edges, but it is noticeable that the product is improving, new functions are added, by the way, there is a MIR card, you can issue a virtual one, even a few plastic… Read more
Positive- Replenishment without commissions
- Add new features
-
Feedback approved for publication Rate your review 000We solved the problem online, without even having to go to the office
I am sharing my feedback on the interaction with the technical support of the Yumani service. They helped me in a couple of minutes to figure out why transfers to my wallet were limited. One hour after the call the transfers were restored. Fast and accurate, alas not everywhere.
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Feedback approved for publication Rate your review 000We confirm your identity using Sber ID
Experienced inconvenience with the inability to transfer money from my wallet, as it was anonymous, the employees of Umani offered to pass identification to activate the function. They offered different ways, for me it was possible to use Sber ID, it took a couple of minutes, it is nice that the procedure… Read more
Positive- No need to go to the office to confirm your identity
- TP answered the call quickly, polite
Minuses- An anonymous wallet has limited functionality
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Feedback approved for publication Rate your review 2+20Scam for the military during Special Operations
Greetings!
I’m just shocked, I topped up my balance for 15k rubles after which they asked for some checks and personal information from the bank statements. I explained that I was in Special Surgery and had no checks, after which they wrote that they were terminating cooperation with me and the fences… Read more
Minuses- personal theft
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Feedback approved for publication Rate your review 1+10They listened and helped
To solve my problem the employee put out to 120%, he wrote to me personally at the post after he clarified the information, ie the man did not transfer me somewhere, and he to the end solved the problem, this customer-oriented approach is difficult to find today, with all my heart is grateful!
Positive- Responsive technical support
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Feedback approved for publication Rate your review 1+10Disgusting company
I registered a Yumani wallet, I needed to send money without a commission to a person. All was well, calculated that through the application commission is not take. I transferred 40,000 rubles. I start to transfer-transfer impossible I think it is strange, I write to support. They say, “Identify yourself… Read more
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Feedback approved for publication Rate your review 4+31Let's see how it behaves in the future
I started a Yumani wallet and left another service, because the security service there failed to protect my money, which caused fraudsters to withdraw funds. Here, according to assurances, and according to reviews, the Security Service is more attentive and the system is more reliable. So far, ufu-tufu… Read more
Positive- Security Service
- Easy to open wallet
- Convenient application
Minuses- Haven't discovered it yet
-
Rate your review 4+40Quick response in chat
Recently I got a feedback in my email that they were trying to change the password in my account. At first I immediately changed the password and at the same time wrote to yumani, asked for more explanation of what happened, they said about the alleged hacking and offered to temporarily limit the money… Read more
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Rate your review 4+31Everything is working
From the time of sending a request through the form on the site to the resolution of the problem was literally a day, I am very glad that the SB in the company Umoney is working, rather than pretending to solve the problem)) Thank you for your approach and responsibility!
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Rate your review 000SCAM
My wallet was blocked, that I allegedly do not own a purse, although the password, email I have used Yandex for more than 2 years. Identification I I was in Yandex Money, that is, even before Yumoni.
My uncle made me a variation. Now he’s gone I wanted to change I have not been able to change the data… Read morePositive- Aliexpress payment without problems until 2022
Minuses- This company is a complete minus
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Inaccurate feedback Rate your review 4+23I like everything
I rarely leave reviews, but this time I couldn’t get past it. It would seem that a simple identification in your wallet Yumani, but the guys have made different ways, up to the choice through the operators of the mobile network. Using Megafon connection, I logged in perfectly and quickly
Positive- Easy identification
- Competent technical support
Minuses- No
-
Rate your review 202Yumani scammers
They blocked the money. They said if you pass verification, we’ll give it to you. In the end, they deceived me. Then they said to send a screenshot of where the money came from, and I threw it down. Then they started writing how many wallets I replied. One and the same phrase. They answer the mail for… Read more
Positive- No
Minuses- Only disadvantages: blocking money is not justified.
-
Inaccurate feedback Rate your review 2+20Absolutely fraudulent service
They blocked my verified wallet. They don’t tell me the reason. They refuse to give the money back. In essence, they are just thieves.
Positive- There is none of them
Minuses- Only disadvantages
-
Rate your review 3+30Quiet horror! Can be recommended to enemies as punishment
I used it back when it was Yandex Money. But since then it has become a completely different service. Now it can only be recommended to the most unflattering to you people as punishment. Total disregard for users, the app, logic, and common sense.
A couple of examples:
1 – I found a bug in the application… Read morePositive- You can punish your enemies.
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Rate your review 2+20They steal money
There was a purse in Yandex money, because I know what kind of financial institutions are never used for their work, periodically I The money was transferred by a relative from St. Petersburg, and there had never been any other money received into the account from anyone in four years. The money was… Read more
Positive- They are not here
Minuses- solid
-
Rate your review 1+10complicity in fraud
I got caught by fraudsters for my inattention and haste.
IE Pleshkov Nikolay Vladimirovich, acting under the signboard
ROSREESTR-DOC. ONLINE
Amount penny, 500p, but you can’t do that either.
The payment service was the Yumani system, which
which serves this fraudulent site.
Notified in writing… Read morePositive- No
Minuses- accomplices of scammers
-
Rate your review 1+20
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Rate your review 2+30It's not even worth wasting time
Technically very glitchy service.
When I try to place their form on my site to accept payments for their services, it suddenly turns out that it doesn’t work.
When trying to find out why it doesn’t work and whether it’s just me or everyone else, there are a lot of irrelevant questions.
I lost two… Read morePositive- No
Minuses- only disadvantages
-
Rate your review 2+40Scam with trained monkeys
I used to use Yandex-money and did not know what to do, until I was pleased that the service is now Yumani.
Using the new service showed the following:
The login system there was made by a paranoid schizophrenic. I was frankly sick of coming up with new passwords, because every time I logged in, he… Read morePositive- None
Minuses- They will steal your money
-
Rate your review 2+50U-Mani crooks! If you want to lose...
U-Mani crooks! If you want to lose money, bring it to U-Mani!
I had 200rub at Yu-Mani for over a year. Today they sent me a bonus of 2.2$ from the exchanger The best withdrawal option turned out to be a transit through Payer to U-Mani (I pick up 200 rubles) and output to Privat24. from Payer safely… Read more -
Rate your review 2+60Thieves, crooks and bandits. They block the...
Thieves, crooks and bandits. They block the account even if you have full identification with a passport in their office. As soon as you top up your wallet!
Then they start collecting references.
They answer EXCLUSIVELY with copy/paste and piss you off on purpose!Do you want to lose money? then… Read more
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Rate your review 1+40There was Yandex money, everything was fine..
There was Yandex money, everything was fine… It became Umani (Sber bought it out, it’s clear why it became so horrible) and it was just awful. They blocked the account and the card, stuck with a lot of money that was needed yesterday, it took 10 days to unblock the wallet!!! Carl!!! what a bank!!… Read more
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Rate your review 1+60Horrible unreliable service. After the separation of...
Horrible unreliable service. After the separation of Yandex and Serbank, the service has deteriorated very badly. Previously, I worked with Yandex Money for many years, and did not experience any complaints in the work. Now to use Yoomoney service is a torture. Support is terrible, transfers get stuck… Read more
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Rate your review 0+50I have used Yandex for many years
I have used Yandex for many years. After transferring to Ya-mony, I couldn’t pay for my purchase. For two days, the administrators made a mess of my head, they changed every two minutes, had to repeat their petty problem over and over again, they made up nonsense, or repeated advice, which I followed… Read more
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Rate your review 0+30I'm being honest. I can't get through
I’m being honest. I can’t get through. Support is asleep. Spent the amount of 549 rubles, but the purchase did not pay off. Money will not return, support will not help. It is better not to get in touch.
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Rate your review 0+50So, the story of how I had...
So, the story of how I had to say goodbye to a small amount of money due to this underpayment. So, I registered my wallet with this account. at the service. I entered my passport information. Real, not made up! The wallet liked everything, it checked my data for 24 hours and finally gave an affirmative… Read more
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Rate your review 0+50The service is the worst you can...
The service is the worst you can think of. Payment protection is completely absent! I have payment confirmation via sms, but still absolutely without my participation someone paid for their purchases on December 25 on ok.ru. Neither I nor my relatives have classmates! And no one could have taken my phone… Read more
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Rate your review 0+20After the sale to Sber payment has...
After the sale to Sber payment has deteriorated a lot… really stupid people in tech support… you turn with one problem, they create you more other problems, block your account or some other shit will come up with… while allowing all kinds of scammers to set up auto-payments, and those withdraw… Read more
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Rate your review 0+10If a complaint, it's cool. On 20.06.20...
If a complaint, it’s cool. On 20.06.20 I transferred 1800 rubles to pay for Tricolor services. Since the website turned out to be identical to the official one, the funds The money was transferred via Tricolortv.info to “Yandex.DENGI” LLC. The transfer was made via a debit card of Sberbank PJSC. Now… Read more
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Rate your review 0+10On 20.06.20 I transferred 1800 rubles to...
On 20.06.20 I transferred 1800 rubles to pay for Tricolor services. Since the site turned out to be identical to the official one, the funds were transferred via Tricolortv.info to “Yandex.DENGI” LLC” The transfer was made via debit card of PJSC Sberbank. Now I want this money to be credited to my ID… Read more
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Rate your review 0+30Never anywhere and in anything do not...
Never anywhere and in anything do not use this charlatan office Yandex Money Fraudsters
This is just some kind of darkness! I have a registered wallet was about 10 years old. I did not use it when I never once in half a year or once a year pay for some bullshit (hosting, domain). After reading the reviews… Read more
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Rate your review 0+40Recently blocked yandex purse. There are 68,000...
Recently blocked yandex purse. There are 68,000 roubles in the account. The wallet is identified and the card is linked. I made only a few transactions – I transferred money on the card.
1. After I transferred some money to my bank card Yandex money blocked the spending transactions.
2. Wrote to support… Read more
YooMoney reviews
- New2
- Resolved0
- Not resolved2
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