Qiwi Purse

The main articles are:

• Electronic payment systems in Russia
• Payment system

2023: Restriction of withdrawals and cash withdrawals as prescribed by the Central Bank

QIWI Bank on July 26, 2023 announced that, according to the order of the Bank of Russia, it temporarily and partially limited the withdrawal of funds by individuals from wallets to bank accounts and cash withdrawals.

In the course of checking the fulfillment of the requirements for the preparation of reporting and documentation, the Central Bank revealed "shortcomings typical of large organizations of the KIWI Bank level." As a result, the regulator issued a restrictive order to the bank in relation to a number of operations, which will enter into force on July 26, 2023.

In particular, as specified in QIWI Bank, there is a limit on the withdrawal of funds to cards and accounts of other banks, which is 1 thousand rubles a month.

At the same time, the bank's customers will not be able to:

• withdraw money from the wallet through the SBP,
• withdraw cash from QIWI Cards, including in the offices of QIWI and partners,
• make a transfer from "QIWI Wallet" via Contact,
• repay a loan from any bank other than MFI loans

Limits are set all wallets of the user, if he has several of them.

At the same time, replenishing the accounts of mobile operators, transferring money to other wallets, paying for services, games and goods with wallets and QIWI cards work as usual. Contact money transfers trade acquiring , and payments to third-party accounts and cards from legal entities, are also not affected by the restrictions, QIWI Bank explained.

2022: Mir Card Option

From July 1, owners of QIWI Wallet can issue a virtual or physical card of the national payment system "Mir." Cards will be useful for paying for purchases in online stores and for everyday spending. They can also be connected to Mir Pay and Samsung Pay for contactless payment with a smartphone on payment terminals. QIWI announced this on July 1, 2022.

The card account is tied to the QIWI balance of the Wallet and will retain all the functionality for payment: users can make purchases offline or on the Internet, as well as make money transfers. You can issue a World card on the website or in the QIWI Wallet application. The virtual card is activated immediately after registration, and the physical card is available for order with delivery by courier or by mail. The cost of issuing cards ranges from 199 rubles, while the service is free for all owners of the QIWI Wallet.

Users smartphones Android on (from version 7.0 with technology support NFC) will be able to pay for purchases contactless through Mir Pay. To pay for the purchase, you need to unlock the smartphone and bring it to POS the terminal. For purchases worth up to 1000 rubles, you do not need to unlock, just activate the device screen. Also, the "World" cards from QIWI are available in Samsung Pay - the application runs on any, even off the screen in one move, and the operation does not need the Internet. You can pay on Samsung smartphones through the terminal after a successful authorizations fingerprint or PIN application code.

QIWI is committed to following environmental sustainability practices, so the maps are created from bioplastic derived from processed corn. They are as durable and reliable as plastic, but much greener, and also completely decompose a few years after the card expires.

Our main task is to maintain a convenient payment infrastructure for all QIWI Wallet users. Launching these cards will allow us to expand user capabilities and provide owners of electronic wallets with all the necessary tools for uninterrupted operation, "said Andrey Protopopov, CEO of QIWI Group.

2020

Ability to pay for purchases on Google Play

Google Play In now you can pay for purchases Qiwi using the "Wallet." Users who use or smartphone on, tablet from Android November 18, 2020, can buy, books applications, games and music through. Previously, payment service Google only payment with a bank account or card PayPal mobile account was available on Play.

Setting up the option is simple: you need to go to "Payment methods" on Google Play and click "Add Qiwi Wallet." Now you can buy applications in one click.

"In Russia, 73% of smartphone owners are Android users, and therefore Google Play. The audience of the service is constantly growing, and users are increasingly buying applications on the platform. Previously, only three payment options were available, and for many it was inconvenient. But now there is a way to pay for purchases through Qiwi Wallet, "said Andrey Protopopov, CEO of the payment segment of Qiwi Group.

According to App Annie, Russia is among the top most active regions in terms of the number of downloaded applications on Google Play. In 2017, Russia was among the top ten countries in terms of user spending on Google Play, and in 2019, Russians spent over $1 billion on applications for the first time.

Appearance in AppGallery

QIWI on October 2, 2020 announced the release of the QIWI Wallet app for Huawei and Honor devices.

The app is aimed at smartphone users who do not have Google Mobile Services. As of October 2020, more than a million such devices have already been sold in Russia.

Instead of Google Play, Huawei is developing its own official AppGallery, in which they are optimized for the company's smartphones. Users of HUAWEI and HONOR devices released before 2019 could download the QIWI Wallet application on Google Play, and only the service website was previously available to owners of more recent vendor devices.

QIWI has adapted the QIWI Wallet application for Huawei devices so that their owners can quickly and conveniently make financial transactions in a smartphone without the need to open the wallet website.

All the usual functionality is available in the application, and it can be downloaded in the AppGallery app store catalog. The total number of AppGallery users in Russia as of October 2020 exceeds 13 million people (7.5 million of them are an active monthly audience). The share of HUAWEI and HONOR smartphones in the Russian market in the supply of smartphones is 34%.

Global changes are taking place in the smartphone market, and we are actively monitoring the emergence and penetration of devices. We take care of our clients and try to ensure that, regardless of the brand of smartphone and operating system, they can always use the usual services. So that owners of HUAWEI and HONOR models can lead a normal lifestyle, and manage finances is even more convenient, QIWI has developed an application for AppGallery, - said Andrey Protopopov, CEO of the QIWI payment segment.

{{quote 'Thank you to the development team for your quick integration. It took colleagues less than a month to implement six service whales in parallel with the current development, including resolving the issue of push notifications, which is the most difficult integration for financial applications. It is joyful to see that concern for the comfort of the client and the client himself are in the first place for colleagues, - comments Mikhail Komkov, vice president of the Huawei ecosystem in the Eurasia region. }}

The ability to withdraw cash from virtual cards

On July 8, 2020, QIWI announced the launch of cash withdrawals from virtual cards.

This option is available to owners of the QIWI Wallet with the released QIWI virtual card. QIWI also notes the growing demand for virtual cards, the total number of which at the beginning of July 2020 exceeded 11.4 million.

You can withdraw money at ATMs of all banks equipped with a contactless module. To withdraw funds, you need to add a card to contactless payments from Apple Pay, Google Pay or Samsung Pay.

The virtual card has a common balance with the QIWI Wallet. The client can increase the balance of the card through replenishment of the wallet, in a similar way and withdrawing funds from the card will lead to a decrease in the balance of the wallet. Also, with the help of a QIWI virtual card, you can pay for purchases on sites where the QIWI Wallet is not used as a means of payment, but Visa cards are accepted.

The virtual card can be released on the website or in the QIWI Wallet mobile application in one click - users do not need to go to the office or wait for a courier. The client instantly receives the details: number, validity period and CVV code - this data is enough to start using the virtual card. After the end of self-isolation, this opportunity remains convenient and relevant.

The use of virtual cards is an actively developing trend around the world. We have expanded the capabilities of our virtual card, and now there is virtually no difference between the functionality of the plastic card and our virtual card. Users have already started making the first transactions. In the first few weeks of the option, the average withdrawal amount was 3800 rubles, - comments Alexey Dityatyev, QIWI Product Director.

Launch of transfers from Sberbank cards to QIWI Wallet and back

Customers QIWI were able to transfer funds from the QIWI Wallet to cards Sberbank and back, as well as replenish the maps bank with cash from QIWI terminals. A one-time payment ranges from 10 to rubles 15 thousand rubles. Qiwi Group announced this on July 6, 2020.

Transfers are available on the following terms:

• from Sberbank card to QIWI Wallet transfer is carried out by phone number of the recipient of funds, transactions are available in Sberbank Online and self-service devices, the commission is not charged;
• from the QIWI Wallet balance on the website and in the mobile application, you can transfer money to a Sberbank card or replenish the card with cash in QIWI terminals by phone number or by card number of the recipient of funds. When transferring by phone number, the commission is 2.9% of the transfer amount + 50 rubles, by card number - 2% of the transfer amount + 50 rubles;
• You can replenish the QIWI Wallet in cash in Sberbank self-service devices. The conditions apply according to the bank's tariffs in the replenishment region.

Alexander Agakov, Commercial Director of the QIWI Group:

Expanding the range of opportunities for seamless money transfers is becoming an increasingly urgent business challenge. Our partnership with Sberbank is an important step in this direction. I am sure that together we will be able to bring the service for our customers to a different level that meets the most pressing market needs.

Kirill Dmitriyev, Director of the Payments and Transfers Division of Sberbank:

More and more partners are connected to our ecosystem of seamless money transfers, and we are glad to see QIWI among them - one of the payment services used by about 20 million people as of July 2020. By combining our systems, we provided a simple and convenient customer experience for all QIWI users and Sberbank customers.

Launch the function of money transfers through instant messengers

On April 28, 2020, it became known that QIWI Wallet is launching the function of money transfers through instant messengers.

The function will allow you to transfer money to the QIWI Wallet by clicking on the phone number in any instant messengers without the need to integrate with them. To do this, just ask the interlocutor to send your number, click on it and select the QIWI application to open. So far, the feature is only available for Android.

In the default Android system, a call is usually made when you click on a phone number. To change this option, you need to go to the application settings in the phone and find among them the one through which the default call occurs. Then click on "Advanced," select "Open by default," then - "Delete default settings."

After that, when clicking on the phone number in the message, the user will be able to decide through which application to open it. To make a transfer, you need to select the QIWI Wallet application, enter the access code and transfer amount and then select the source: bank card, wallet or phone balance.

To transfer money from the messenger, you usually need to perform many actions: copy the number, go to the application, select the transfer option, insert the number into the line. With this feature, our users will be able to quickly send money to other wallets. And what is important is that this does not require integration with instant messengers: it is enough to change the phone settings, commented Alexey Dityatyev, QIWI Product Director

To access the translation function, you need to update the QIWI Wallet application.