Commissions and Rates of the NBCO

Applied to individuals using the NBCO's services. The NBCO's Partners and other persons are entitled to charge their own commissions.

Commission is not refunded in case of refunds of payments/transfers.

The terms and conditions of certain services (or service packages) may set commissions different from those specified in the Rates.

Issuing and servicing the Wallet	270 rubles per month if no Electronic Money transactions have been made at the Client's discretion for more than 2 (two) years 270 rubles per month if no Electronic Money transactions have been made at the Client's discretion for more than 2 (two) years If the Electronic Money balance is less than 270 rubles, the commission is charged in the amount of such balance. If the Electronic Money balance is equal to zero, no commission is charged. The commission is charged at the end of each month calculated from the 25th day of the calendar month to the 24th day of the following calendar month.
Issuing and servicing a YooMoney Virtual Card	Free
The YooMoney app	Free Free Downloading and use shall be performed according to the license agreement. Payments and transfers made in the app may be subject to a commission charge. Learn more in the corresponding payment forms in the app.
Wallet cancelling	Free of charge: if the Client submits an application for withdrawal from the Agreement at the NBCO's offices or by email. 20 rubles: when the Client submits an application for withdrawal from the Agreement via the Wallet interface (commission for application processing). If the Electronic Money balance is less than 20 rubles, the commission is charged in the amount of such balance.

Notifications

Notifications about transactions in the Wallet: in the YooMoney app or by email	Free
Text message notifications about transactions	1 month	99 rubles
	12 months	699 rubles
	Month (30 days). Text message notifications about transactions in the Wallet (cards) is fee-based. The commission is charged in accordance with the procedure established by Appendix No. 4 to the Agreement on Making Money Transfers without Opening a Bank Account Using the YooMoney Service.

Subscriptions and other services

Activating and servicing within the YooMoney Loyalty Program	Free
"Buyer Protection Service"	Free
"Multicurrency cards" package	99 rubles per month The commission is charged in accordance with the procedure established by Appendix No. 7 to the Agreement on Making Money Transfers without Opening a Bank Account Using the YooMoney Service.
Options
"More cash" "More cash" a) The Option includes the possibility to withdraw cash up to 15,000 rubles per month without charging the NBCO's commission using the following YooMoney bank cards: — YooCard, Pre-issued Card — CYBERPUNK 2077 Virtual Card — Pyatyorochka Virtual Card b) The Option is available only for identified Clients who have at least one of the YooMoney cards specified above. c) The limit of 15,000 rubles shall be considered as a total of transactions made using all YooMoney cards indicated above and issued to a single Client (to all their Wallets) d) Activation of the Option is not available for Clients who as of 02.10.2023 meet the following requirements in the aggregate: 1) have been identified, 2) have at least one activated unblocked YooMoney card: YooCard, CYBERPUNK Virtual Card 2077 or Pyatyorochka Virtual Card	69 rubles per month The commission is charged in accordance with the procedure established by Appendix No. 8 to the Agreement

Identification

Identification via MTS (MTS, JSC)

Available for Russian citizens; MTS subscriber number in Russia shall be linked to the Wallet

Completing the identification via MegaFon (MegaFon, PJSC)

Available to Russian citizens; the MegaFon subscriber number in Russia should be linked to the Wallet

60 rubles

Commission may not be refunded, if a Client failed to complete identification for the following reasons:
• a Client has previously passed simplified identification using other data than those provided by the mobile carrier;
• a Client has not provided the NBCO with the additional data requested for completing the identification within 7 days;
• a Client has not confirmed the relevance and validity of the identification data within 7 days.

Identification via Beeline (VimpelCom, PJSC)

Available to citizens of the Russian Federation; Beeline subscriber number in Russia must be linked to the Wallet

60 rubles

Commission is not refundable in cases when the Client hasn't completed the identification for the following reasons:
  • the Client has previously completed simplified identification using data of a person who is not the owner of the respective subscriber number;
  • the Client hasn't provided the NBCO with additional data requested for completing the identification within 7 days;
  • the mobile carrier has submitted irrelevant or invalid identification data of the Client;
  • the Client hasn't confirmed the relevance and validity of the identification data within 7 days.

Initiating a transfer

Commission for execution of an order to initiate a transfer
according to the Agreement on the conditions and procedure for accepting and executing orders from individuals to initiate a transfer

The Client is notified of the commission amount on the payment form before making the transaction.

Adding money to the Wallet from a bank card in the YooMoney app	Free
Adding money to the Wallet via the Faster Payments System	Free
Adding money to the Wallet using a Russian bank card on yoomoney.ru	Amount to add	Commission
	0-3,999 rubles	1% of the amount
	4,000 rubles or more	Free
Adding money to the Wallet using a non-Russian bank card on the NBCO's website and in the mobile app	1% of the amount
Adding money to your Wallet using the "Tips for employees" payment form	5% of the amount
Adding money to the Wallet using the NBCO's fundraising services	3% of the amount: when adding money from a bank card 1% of the amount: when adding money from the Wallet
Adding money to the Wallet using YooStream (https://donate.stream/yoostream)	8.5% of the amount
Adding money to the Wallet on a third-party website (not the NBCO's website) or in a third-party app	0.5% of the amount: when adding money from a bank card linked to the Wallet 2% of the amount: when adding money from any bank card (without linking)
	Payment app of Smartfin, JSC	2.75% of the amount
	NUUM.ru https://nuum.ru/	3% of the amount (for the "Donations" section) 20% of the amount (for the "Enable subscription" section)
	Website https://nethouse.ru Konstruktor, LLC	3.5% of the amount
	Website https://www.ucoz.ru Yukoz Media, LLC	3.5% of the amount
	The "Dar svoim" service https://darsvoim.ru/	8.5% of the amount
Other methods of adding money	Free

When using certain methods of adding money to the Wallet, partner's commission may be charged. Learn more about the methods of adding money and partner's commissions on the NBCO's website

NOTE: information about third-party commissions is provided for reference only, the actual commission may differ. Please check third-party commissions with the respective parties before making a transaction.

	YooCard	Pre-issued card	Virtual YooMoney card
Card servicing one-time reward	Regular card: 299 rubles: when the card is delivered to the Russian Federation by Russian Post 299 rubles: when the card is delivered to the Russian Federation by Russian Post The commission is charged when issuing (reissuing) a card 549 rubles: when the card is delivered to the Russian Federation by courier 549 rubles: when the card is delivered to the Russian Federation by courier The commission is charged when issuing (reissuing) a card 799 rubles: when the card is delivered to other countries by Russian Post 799 rubles: when the card is delivered to other countries by Russian Post The commission is charged when issuing (reissuing) a card Sticker: 699 rubles: when the card is delivered to the Russian Federation by Russian Post 699 rubles: when the card is delivered to the Russian Federation by Russian Post The commission is charged when issuing (reissuing) a card 949 rubles: when the card is delivered to the Russian Federation by courier 949 rubles: when the card is delivered to the Russian Federation by courier The commission is charged when issuing (reissuing) a card 1,099 rubles: when the card is delivered to other countries by Russian Post 1,099 rubles: when the card is delivered to other countries by Russian Post The commission is charged when issuing (reissuing) a card A card with LEDs: 749 rubles: when the card is delivered to the Russian Federation by Russian Post 749 rubles: when the card is delivered to the Russian Federation by Russian Post The commission is charged when issuing (reissuing) a card. 999 rubles: when the card is delivered to the Russian Federation by courier 999 rubles: when the card is delivered to the Russian Federation by courier The commission is charged when issuing (reissuing) a card. 1,249 rubles: when the card is delivered to other countries by Russian Post 1,249 rubles: when the card is delivered to other countries by Russian Post The commission is charged when issuing (reissuing) a card.	The commission amount and procedure depend on the location where the Client receives the card: 1) 100 rubles: when receiving the card at the NBCO's offices when receiving the card at the NBCO's offices The commission is charged upon Activation of the card. 2) when receiving the card somewhere other than the NBCO's offices, the commission is charged in the amounts specified on the page. The commission is charged as follows: The commission is charged as follows: a) if there is enough Electronic Money on the Wallet at the moment of Card Activation, the commission is charged at the moment of Card Activation; b) if the balance of Electronic Money on the Wallet at the moment of Card Activation is insufficient, the commission is charged when the balance amount will be sufficient for charging the commission; c) if the balance of Electronic Money will be insufficient for charging the commission during the whole validity period of the Wallet, the commission is not charged. 3) Free of charge: other cases not mentioned above	Free
Cash withdrawals, quasi-cash, transfers to TSUPIS and equivalent transactions Cash withdrawals, quasi-cash, transfers to TSUPIS and equivalent transactions for example, with MCC codes: 4829, 6011, 6012, 6050, 6051, 6211, 6534, 6536, 6538, 6540, 7800, 7801, 7802, 7995, 9406, 9754, 6009	3% of the amount, minimum 100 rubles Free of charge: up to 10,000 rubles per month inclusive for identified users The limit is 10,000 rubles without charging the NBCO's commission: is calculated in total for all transactions of a single Client (all Wallets are taken into account) made using YooCard. available only to identified Clients who, as of 02.10.2023, had at least one activated unblocked YooMoney card: YooCard, CYBERPUNK 2077 Virtual Card, or Pyatyorochka Virtual Card	3% of the amount, minimum 100 rubles	3% of the amount, minimum 100 rubles
Withdrawing cash in foreign currency within the "Multicurrency cards" package	3% of the amount
Balance requests at ATMs	Free
Blocking or cancelling the YooMoney bank card at the Client's discretion	Free
Transfers from a YooMoney Card to a Wallet	3%, but not less than 100 rubles 3%, but not less than 100 rubles additional commission for adding money to the Wallet may be charged
Payment transactions in rubles made using the YooMoney Card that meet all of the following conditions: • the "Multicurrency cards" package isn't activated for this Card; • payment infrastructure services for this transaction were provided outside the National Payment Card System (NSPK)	2.9%, but not less than 25 rubles
Other fee-based transfers Other fee-based transfers providing funds for issuing or replenishing a physical or virtual bank card issued in accordance with the Beeline Card program (the card issuer is Credit Union Payment Center, LLC) transfers from a YooMoney Card using the Beeline.Transfer service	3%, but not less than 100 rubles
Mobile and Internet services MCC code: 4814	Amount of payments made with a YooMoney card per calendar month	Commission
	up to 9,999 rubles	No commission
	from 10,000 rubles	0,5%
	The payment commission for a YooMoney bank card also applies to the autopayments set for paying with a YooMoney bank card by a trade and service company (TSP). Limits on payment amount are applied to all transactions with MCC code 4814 made with all YooMoney bank cards issued by the single Client. When using payment forms on yoomoney.ru and in the YooMoney app, an additional commission for the corresponding payment form may be charged.
Disputing completed transactions performed by the cardholder	50 rubles: for reviewing an application/request to dispute a transaction according the rules of the payment system. 30,000 rubles: for reviewing an application/request to dispute a transaction by the payment system.

Important: NBCOs' commissions may be charged at the time of making the transaction or after the payment clearing process.

Transfers from a YooMoney Wallet to a YooMoney Wallet

In the YooMoney app and on the website	Free
In other cases	With commission With commission 5.5% of the amount when granting and repaying microloans on http://zaimoteka.online/ 0.5% of the amount when making a transfer via the WEBBANKIR Electronic Wallet 0.5% of the amount in cases not expressly specified in the Rates

Payments, wallet balance refunds

Payments for products, works, services in a trade and service company (TSP) via a Wallet or a YooMoney Card	Free of charge except for transactions that charge a commission in accordance with the Rates
Commissions applied when using certain payment forms (for services, apps, websites):	The NBCO has the right to establish commissions for certain payment forms, e.g., in the YooMoney app or on the NBCO's website. If a commissions is set, it must be notified to the Client within the relevant payment form before completing the transaction. Individual commissions may be displayed in the Rates as well.
Tax payments	Free
Outgoing money transfers to individuals via the Bank of Russia's Faster Payments System (FPS)	Free
Mobile services On yoomoney.ru and in the YooMoney app	A Trade and Service Company (TSP), for which a payment is being made	Amount of payments per calendar month / Type of transaction	Commission
	legal entities from list No. 1 (1)	from 0 to 3,000 rubles (inclusive) per calendar month (2)	No commission (3)
		more than 3,000 rubles per calendar month (2)	2%, when the payment amount exceeds 3,000 rubles per calendar month (3)
	other persons	any	If there is a commission, it is displayed in the corresponding payment form (3)
	any persons	Autopayment (4)	No commission (3)
	The commissions listed in the table above are applied if the user is logged in the Wallet at the moment of payment. The payment form commission for unlogged users is displayed when a payment is made within the corresponding payment form. When paying with a YooMoney bank card, additional commission may be charged (in addition to the payment form commission) according to the Rates. (1) List No. 1: Beeline (VimpelCom, PJSC), MegaFon (Megafon, PJSC), MTS (MTS, PJSC), Skylink Novosibirsk (T2 Mobile, LLC). (2) Calculated by the payment amount for services of each legal entity from the list separately. (3) When paying with a YooMoney bank card, additional commission may be charged (in addition to the payment mentioned above) according to the Rates. (4) For the Wallet configured on yoomoney.ru. (1) List No. 1: Beeline (VimpelCom, PJSC), MegaFon (Megafon, PJSC), MTS (MTS, PJSC), Skylink Novosibirsk (T2 Mobile, LLC). (2) Calculated by the sum of payments for services of each legal entity from the list separately. (3) When paying with a YooMoney card, an additional commission (beyond the one mentioned above) may be charged in cases and on grounds specified in the Rates. (4) Customized on yoomoney.ru for the Wallet.
Loan and credit repayments	MFO "WEBBANKIR", LLC (WEBBANKIR) 8.5% of the amount, minimum 50 rubles: when using the WEBBANKIR Electronic Wallet service in the following cases: when selecting a loan repayment method using the "Webbankir Card" on the WEBBANKIR website and in the mobile app, when the debt is charged automatically debts from the Wallet linked to WEBBANKIR.
Transfers to Alipay	3% of the amount
Transfers from the Wallet to bank cards Commission for refund of Electronic Money from the Wallet to bank cards using payment forms on yoomoney.ru and in the YooMoney app	3% of the amount + 45 rubles Exceptions: 3% for transfers to Uzcard, HumoCard, Korti Milli, ArCa, Elkart, Belkart-Mir (Belarus), Mir (South Ossetia) cards; Visa / Mastercard cards issued by non-Russian credit organizations Free of charge for transfers to Visa / Mastercard cards issued by credit organizations in Kazakhstan
Transfers from the Wallet to a bank account Commission for refund of Electronic Money from the Wallet to a bank account using payment forms on yoomoney.ru and in the YooMoney app	3% of the amount + 15 rubles to the individual's account created in a credit organization located in the territory of the Russian Federation 3% of the amount to the individual's accounts created in credit organizations located in the territory of the United Arab Emirates (UAE)
Transfers from the Wallet to any legal entity's / sole proprietor's banking details Commission for refund of Electronic Money from the Wallet to any legal entity's / sole proprietor's banking details using payment forms on yoomoney.ru and in the YooMoney app	2% of the amount, but not less than 30 rubles Exceptions: Free of charge when you transfer money to a YooBusiness account
Refund of electronic money when terminating the Agreement:
Refund of the Wallet balance to a bank account of a credit organization located in the Russian Federation when terminating the Agreement Refer to paragraph 12.8 of the Agreement	In case of termination at the NBCO's initiative: free of charge
	Upon termination at the discretion of the Client, in accordance with the rates for transfers from the Wallet If the Electronic Money balance is less than the required amount, the commission charged will be equal to the remaining balance.
Refund of the Wallet balance to a bank account of a foreign credit organization when terminating the Agreement Refer to paragraph 12.8 of the Agreement	Currency of the Client's bank account	Commission
	USD	0.1%, minimum 25 EUR, maximum 200 EUR
	EUR	0.1%, minimum 25 EUR, maximum 200 EUR
	KZT	60 rubles
	BYN
	RUR	20 rubles
	Conversion to the currency of the Client's bank account is made at the Bank of Russia exchange rate as of the date of making the transaction plus 2%. If the Electronic Money balance is less than the specified amount, the commission is charged in the amount of such balance.
Safe Deal	The NBCO's remuneration amount for Safe Deal services depends on the conditions of work with a certain partner and is specified on the corresponding pages of this service.
Other commissions	If a commission is set, it shall be notified to the Client before completing the transaction.

—
Commissions may be added up.