YooMoney review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
YooMoney suits freelancers and teens in Russia who want a fee free everyday wallet with broad support, though converting currency costs 2%. It scores 4.8 overall, split between a strong offer and a thin cost side, with a monthly fee of RUB 0 and payouts to bank, card and wallet.
Key facts
- Best for
- A free everyday wallet for anyone paid in Russia who mostly holds and spends rubles.
- Monthly fee
- RUB 0↗
- Currency conversion fee
- 2%↗
- Currencies
- 10↗
- Free ATM withdrawals
- RUB 10,000↗
- Transfer fee
- Wallet to bank cards 3% of the amount + 45 rubles; to own bank account 3% + 15 rubles; wallet-to-wallet free in the app and on the website↗
- Legal entity
- "YooMoney", NBCO LLC↗
- Headquarters
- Russia↗
- Founded
- 2002↗
- Support channels
- Help-centre, Chat, Phone, Email, Community↗
- Audience
- Freelancers, Teens
- Pricing model
- No monthly fee
- Features
- No credit check
- Official website
- yoomoney.ru
Money transfer
Facts checked September 26, 2026, 6 sources
Apps and profiles
Pros and cons
Pros
- No monthly charge: the fee is RUB 0, matching the €0 site median
- Wallet to wallet transfers cost nothing in the app and on the website
- Free ATM withdrawals up to RUB 10,000
- No credit check, and support runs on help centre, chat and phone
Cons
- Converting currency costs 2% on top of a 2% margin, against a 0.5% site median
- A currency list of 10 places it 103 of 379 brands
Who it suits
- Freelancers invoicing in rubles who want no monthly charge
- Teens opening a first wallet without a credit check
- Anyone paying and withdrawing locally in Russia
Who should look elsewhere
- Skrill or Plazo ES if the priority is a wider currency set
- PayPal Colombia if you hold several currencies rather than a single market
Fees and currency costs
The monthly fee is RUB 0, so the account costs nothing to keep, which sits right at the €0 site median. Moving money out costs more: to bank cards a percentage of the amount plus RUB 45, to your own bank account the same percentage plus a smaller fixed sum, while wallet to wallet transfers are free in the app and on the website. Converting currency runs at 2% with a 2% margin, the sharpest cost here.
Where it sits among rivals
Its currency conversion fee puts it at 214 out of 312, so the same pattern holds on both measures. That is the trade-off to weigh: a domestic account that is cheap to run, priced less competitively for cross currency work than rivals in the same table.
How YooMoney compares
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.0
9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 9.0Also charges no monthly fee at €0, and suits readers who convert often rather than holding a single market.
9.0 vs 8.7
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.9
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.1- 9.0 vs 8.1
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 9.1
Where YooMoney is available
- Available
- Russia
- Licence in Russia
- Bank of Russia (3510-K), checked September 26, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
Is there a monthly charge to keep a YooMoney wallet?+
No. The monthly fee is RUB 0, which is also the €0 median across the site, so holding the wallet costs nothing. Fees show up instead when money leaves the wallet or currency is converted.
How much does it cost to convert currency?+
Conversion runs at 2%, with an exchange rate margin of 2%. That places YooMoney 214 among 312 brands, and above the 0.5% median for the site overall.
What does it cost to withdraw or send money?+
Wallet to wallet transfers are free in the app and on the website. Withdrawals to bank cards and to your own bank account add a percentage of the amount plus a fixed charge, which reaches RUB 45 on card payouts.
Which regulator licenses YooMoney?+
The wallet is run by "YooMoney", NBCO LLC and is licensed by the Bank of Russia, with licence number 3510-K. The wallet's headquarters is in Russia, so the licence is a Russian one.
How many currencies can I hold and withdraw?+
The wallet supports 10 currencies, which ranks 103 of 379 brands on the site. Payouts go to a bank account, a card or another wallet, so the coverage is domestic rather than wide.
Can I get cash out without paying?+
Yes, cash machine withdrawals are free up to RUB 10,000 per allowance period. Beyond that the free cover stops, so heavier cash use costs more than holding the wallet does.
Do I need a credit check to open an account?+
No. There is no credit check, which makes the wallet open to freelancers and teens among the listed audience. The company has run since 2002, so it is a long established provider rather than a new entrant.
How do I get help if something goes wrong?+
Support runs on help centre, chat and phone, so you can reach a person by phone, chat or email, and browse the help centre or the community. The wallet is operated by "YooMoney", NBCO LLC under the Bank of Russia licence 3510-K.
Sources
- en.wikipedia.org/wiki/YooMoney checked September 26, 2026
Backs: Currencies, Founded
“In March 2019, the service began allowing for accounts holding 10 major currencies”
- yoomoney.ru checked September 26, 2026
Backs: Features
“Passport not necessary - Sign up and start paying via a free virtual card right away. All you need is a phone number.”
- yoomoney.ru/about checked September 26, 2026
Backs: Payout methods
“You can also use your wallet to send a transfer to any YooMoney wallet, another bank card, or an FPS account”
- yoomoney.ru/contacts checked September 26, 2026
Backs: Support channels
“Check our Help section, you may find the answer there. If it didn't help, contact us via the feedback form in the Help section or via chat ... 8 800 700-22-99 ... spp@yoomoney.ru”
- yoomoney.ru/page checked September 26, 2026
Backs: Audience
“it shall be an official written public offer of Limited Liability Company Non-Bank Credit Organization YooMoney ... to individuals who have reached the age of fourteen ... The Client may not use the...”
- yoomoney.ru/page checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Exchange rate markup, Pricing model, Transfer fee, Fee to send 1,000
“Free of charge: up to 10,000 rubles per month inclusive for identified users”
- yoomoney.ru/page checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“82 Sadovnicheskaya ulitsa, building 2, Moscow, 115035, Russia”
- yoomoney.ru/page checked September 26, 2026
Backs: Monthly fee
“No fee is charged for the registration of the Client and the maintenance of its NBCO account.”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Guides
YooMoney
A free everyday wallet for anyone paid in Russia who mostly holds and spends rubles.