Introduction of non-use fees electronic wallets users is not contrary to applicable law. This conclusion is contained in the letter of acting. Head of the Main Directorate of the Central Bank for the Central federal district Vladimir Knysh in response to a complaint from a client of Yandex.Money (available to Izvestia). The client was outraged by the subscription fee introduced by the service since September 25 from users who have not used their account for 2 years - 270 rubles per month. According to the client, this subscription fee is just embezzlement of money.

Starting September 25, Yandex.Money will begin to charge a monthly fee from users who have not used their account for 2 years. The administration of the payment service sent a warning about this to passive users at the end of August.

“We want you to spend some of this money (or all of it) on something useful in the coming month. Or at least they said that they were going to, - then the write-off can be postponed, the company said in a statement. “If you do not respond, after September 25 we will charge a monthly fee of 270 rubles until you start using the wallet or the balance is reset.”

The press service of the company said that this measure is aimed at combating the so-called dead souls.

- “Dead souls” is a problem for any business, and companies try to minimize the number of inactive accounts, largely due to the fact that from the very beginning (like banks) they introduce a subscription fee for account maintenance or take it after the fact for inactivity - for example, as cellular operators or other payment services, - explain in the press service of "Yandex.Money". - We are responsible for these wallets - financial, technical (including security), legal. Nevertheless, Yandex.Money tries to give users enough time to avoid paying for an inactive wallet by informing the user a month in advance that a subscription fee is appearing for his wallet. To prevent the debit from happening, it will be enough for him to notify us in any way - by e-mail or phone, or still transfer the wallet to the “active” status by paying for any of the tens of thousands of services available through Yandex.Money.

The press service of the payment service assured that they would not drive users into a "minus", the money would be withdrawn until the amount on the user's account reaches zero.

Other payment systems apply similar measures: for example, in Qiwi, if a user is inactive for six months, he is charged a subscription fee of 10 rubles per day. On the [email protected] service, if there is no activity for 1 year, the subscription fee will be 350 rubles per year. In Tinkoff Mobile Wallet, if the user is inactive for 180 days, the subscription fee will be 10 rubles per day.

As noted in his answer, acting. Vladimir Knysh, Head of the Main Directorate of the Central Bank for the Central Federal District, the regulator does not see anything reprehensible in this.

“The current legislation does not contain electronic Money bans on charging, in the manner established by the agreement concluded with the client, fees for non-use of the electronic means of payment provided to the client for a certain time, he writes. - Users of the Yandex.Money service, notified of the upcoming assignment of the status of an inactive client to them, have sufficient and easy opportunities to prevent such assignment.

According to lawyers, such a decision of the regulator and the actions of operators " electronic money» are indisputable.

There are quite high chances in court to prove that the account opened with the operator electronic means payment is not an additional service rendered, which means that the introduction of a fee for it is contrary to the law on consumer protection, - says Artemy Nikolaev, chief lawyer of the Taxadmin.ru expert center. - In a similar situation, when it came to commissions for opening a loan account in a bank, the presidium of the Supreme arbitration court, as well as Supreme Court sided with the client, recognizing such commissions as illegal. But given the inactivity of these clients and the small size of the disputed amounts, one can hardly expect many lawsuits.

Users, if they wish, will be able to sue Yandex.Money, but it is unlikely that such litigation will occur, agrees the lawyer of the Nalogovik company Pavel Ivchenkov. - Quite a lot of wallets in the system have not been identified, which means it will be difficult to prove that the wallet belongs to the plaintiff.

The operating companies also do not expect lawsuits.

Any work with consumers implies that among customers there may be dissatisfied, no matter how well the services are provided. Therefore, any business, including our company, cannot rule out the possibility of being sued by users. In the situation with the subscription fee for inactive accounts, we act in accordance with the law and the user agreement, - Izvestia was told in the press service of Yandex. Money".

We are confident that we are acting within the framework of the law, and so far no legal claim has been brought against us, - they add to the press service of the Qiwi payment system.

As indicated in the Qiwi report for the second quarter of this year, the company's revenue for three months from debiting funds from inactive wallets amounted to 156 million rubles. In 2013, Qiwi's profit from a similar operation amounted to 495 million rubles.

From the accounts of Yandex.Money clients who have not used the service for two years, from September 25, they will start debiting 270 rubles a month. This is reported by Izvestia.

The subscription fee from inactive subscribers will be charged from September 25th. Users who have not used the service for more than two years will fall under the sanctions. On August 28, they began to receive a notification from Yandex.Money:

We want you to spend some (or all) of this money on something useful in the coming month. Or at least they said that you were going - then the write-off can be postponed. If you do not respond, after September 25, we will charge a monthly fee of 270 rubles until you start using the wallet or the balance is reset.

One of the new rules allows a subscriber to suspend the status of an inactive client for three months. The press service of "Yandex.Money" in the comments of the CPU explained such measures by the desire to get rid of "dead souls":

Dead souls are a problem for any business, and companies try to minimize the number of inactive accounts, largely due to the fact that from the very beginning (like banks) they introduce a subscription fee for account maintenance, or take it after the fact for inactivity - for example, like mobile operators or other payment services.

We are responsible for these wallets: financial, technical (including security-related), legal. However, Yandex.Money is trying to give users enough time to avoid paying for an inactive wallet by informing the user a month in advance that the subscription fee will be charged from his wallet in 30 days. To prevent the debit from happening, it will be enough for him to notify us in any way - by e-mail or phone, or still transfer the wallet to the “active” status by paying for any of the tens of thousands of services.

Representatives of the service note that wallets will not go into minus:

Write-offs are not an end in themselves. We give enough time for the user to spend money on the wallet usefully. We hope that some users will use it.

In two years, Yandex.Money managed to switch to a new offer, having received the status of a non-banking credit institution and license, and only the user can accept it. Service introduced additional ways account protection, such as SMS passwords. Only the user himself can also transfer his wallet to enhanced authorization.

Representatives payment system note that it is important for them both technically and legally, they reacted to the changes: “But if you don’t use something for two years, then most likely you don’t even remember about it. Having assessed all the risks, we decided to introduce such a concept as the status of an “inactive” user and a subscription fee.”

In total, 18 million users are registered in the service, the number of active Yandex.Money subscribers is not reported. According to information "

Yandex Money subscription fee is introduced from September 25, it will be fixed - 270 rubles and will be charged from accounts whose owners have a positive balance, but do not perform any manipulations with the account for two years.

Keep money with us - it's profitable for us

This news has two sides, both of them are sad: one is very sad, the other is tolerable. Since Yandex Money is introducing a subscription fee for "dead" accounts, it is no longer possible to drop out of the network for a long time. Now we must honor the criminal code, do not forget our account passwords for a long time and not travel for years in the Sahara, where, as is known from advertising, there is no Internet.

No matter how much money you have in your account, if you do not pay anything, then 270 rubles will be withdrawn from you monthly until the amount becomes round, that is, zero. Something about $80 per year must be paid to Yandex for the fact that you have an account and you keep money on it without making any manipulations with them for political, anarchist or psychological reasons. This is bad.

It reduces the grief a little that avoiding charging off a monthly fee is as easy as forgetting the keys to the car in the hallway. To do this, once a year you need to pay any amount through Yandex Money or, in the end, give someone 10 rubles - this is less than 270 per month.

And we are not afraid

In fact, the presence of money in any account, according to the laws of economy, should bring income, otherwise it is not economically profitable to use the system. The fact that today [email protected] or Tinkoff is being debited from dead accounts is not an excuse, but rather a conspiracy. If this bad idea is transmitted by airborne droplets, then soon you will have to pay for keeping money in the bank, in fact, it is the bank that has large expenses for servicing the account (rent of premises, salaries to bank personnel, security, collection, etc.).

In this situation, a real inhabitant of Odessa should appear, who will create a system without a subscription fee, and it can become terribly popular out of principle, because rarely does anyone freeze an account for 2 years, but a possible write-off, even theoretical, of 270 rubles has a bad effect on the subconscious of a Russian person. Poison, on the other hand, should be congratulated on its brilliant commercial success and wish him make paid search in Yandex, it requires a lot of money, and Direct pocket does not pull.

one-time SMS passwords

"inactive" pay for the phone, help philanthropists, transfer money to a card, to another wallet in history

\n","html":"

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes "inactive"? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first charge, in a letter (to the address Email linked to the wallet). And we will tell you what to do: pay for the phone, help philanthropists, transfer money to a card, to another wallet, use the money in any other way - or simply confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time in the history - and if almost two years have passed since then, you know what to do.

\n","contentType":"text/html"),"proposedBody":("source":"

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes "inactive"? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first charge, in a letter (to the email address associated with the wallet). And we will tell you what to do: pay for the phone, help philanthropists, transfer money to a card, to another wallet, use the money in any other way - or simply confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time in the history - and if almost two years have passed since then, you know what to do.

\n","html":"

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes "inactive"? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first charge, in a letter (to the email address associated with the wallet). And we will tell you what to do: pay for the phone, help philanthropists, transfer money to a card, to another wallet, use the money in any other way - or simply confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time in the history - and if almost two years have passed since then, you know what to do.

\n","contentType":"text/html"),"authorId":"4611686018427389374","slug":"10250","canEdit":false,"canComment":false,"isBanned":false," canPublish":false,"viewType":"old","isDraft":false,"isOnModeration":false,"isSubscriber":false,"commentsCount":250,"modificationDate":"Wed Dec 16 2015 17:12: 00 GMT+0000 (UTC)","showPreview":true,"approvedPreview":("source":"

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes "inactive"? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first charge, in a letter (to the email address associated with the wallet). And we will tell you what to do: pay for the phone, help philanthropists, transfer money to a card, to another wallet, use the money in any other way - or simply confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time in the history - and if almost two years have passed since then, you know what to do.

\n","html":"From September 25, we will have new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited ). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away. ","contentType":"text/html"),"proposedPreview":("source":"

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes "inactive"? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first charge, in a letter (to the email address associated with the wallet). And we will tell you what to do: pay for the phone, help philanthropists, transfer money to a card, to another wallet, use the money in any other way - or simply confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time in the history - and if almost two years have passed since then, you know what to do.

\n","html":"From September 25, we will have new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited ). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away. ","contentType":"text/html"),"titleImage":null,"tags":[("displayName":"subscription fee","slug":"abonentskaya-plata","categoryId":"154151572 ","url":"/blog/money??tag=abonentskaya-plata"),("displayName":"company news","slug":"novosti-kompanii","categoryId":"150002071"," url":"/blog/money??tag=novosti-kompanii")],"isModerator":false,"commentsEnabled":true,"url":"/blog/money/10250","urlTemplate":"/ blog/money/%slug%","fullBlogUrl":"https://yandex.ru/blog/money","addCommentUrl":"/blog/createComment/money/10250","updateCommentUrl":"/blog/ updateComment/money/10250","addCommentWithCaptcha":"/blog/createWithCaptcha/money/10250","changeCaptchaUrl":"/blog/api/captcha/new","putImageUrl":"/blog/image/put", "urlBlog":"/blog/money","urlEditPost":"/blog/56a048957cc8c1ad45013897/edit","urlSlug":"/blog/post/generateSlug","urlPublishPost":"/blog/56a048957cc8c1ad45013897/publish", "urlUnpublishPost":"/blog/56a048957cc8c1ad45013897/unpublish","urlRemovePost":"/blog/56a048957cc8c1ad45013897/removePost","u rlDraft":"/blog/money/10250/draft","urlDraftTemplate":"/blog/money/%slug%/draft","urlRemoveDraft":"/blog/56a048957cc8c1ad45013897/removeDraft","urlTagSuggest":"/ blog/api/suggest/money","urlAfterDelete":"/blog/money","isAuthor":false,"subscribeUrl":"/blog/api/subscribe/56a048957cc8c1ad45013897","unsubscribeUrl":"/blog/api /unsubscribe/56a048957cc8c1ad45013897","urlEditPostPage":"/blog/money/56a048957cc8c1ad45013897/edit","urlForTranslate":"/blog/post/translate","urlRelateIssue":"/blog/post/updateIssue","urlUpdateTranslate" :"/blog/post/updateTranslate","urlLoadTranslate":"/blog/post/loadTranslate","urlTranslationStatus":"/blog/money/10250/translationInfo","urlRelatedArticles":"/blog/api/relatedArticles/ money/10250","author":("id":"4611686018427389374","uid":(),"address":"","defaultAvatar":"0/0-0","imageSrc":"https ://avatars.mds.yandex.net/get-yapic/0/0-0/islands-middle","isYandexStaff":false),"originalModificationDate":"2015-12-16T14:12:45.000Z", "socialImage":("orig":("fullPath":"https:// avatars.mds.yandex.net/get-yablogs/41243/file_1453381792103/orig")))))))">

Yandex.Money introduces a subscription fee for abandoned wallets

Archived post.

From September 25, we will earn new terms of service for inactive users: if the account has not been used for more than two years, a subscription fee of 270 rubles per month will be debited from it (if the account has zero, the money is not debited). For those who may be affected, we have already sent letters with instructions and explanations. Realizing that questions about this cannot but arise, we decided to answer them right away.

In Yandex.Money, as in any other financial service, there are users who once opened an account and then abandoned it. The longer the account is inactive, the more difficult it is for us to keep it in order: important legal and technical decisions - for example, the transition of Yandex.Money to the status of an NBCO or protecting the account from fraudsters with one-time SMS passwords - are impossible without the participation of the wallet owner. After weighing all the costs and risks associated with abandoned accounts, we came to the need to introduce a subscription fee for them.

Many financial services are “insured” against such costs in advance by a mandatory subscription fee for all users. We have chosen a different path: for those who really use Yandex.Money - and these are the majority of our users - account maintenance will remain free of charge.

How not to miss the moment when your wallet becomes ? Firstly, two years - and not a single payment, transfer, replenishment - is still a very rare case. Secondly, if this happens, we will definitely notify you in advance, 30 days before the first debit, in a letter (to the email address associated with the wallet). And we will tell you what to do: , in , use the money in any other way - or just confirm your activity by clicking on the link from the letter. The date of your last operation can be viewed at any time - and if almost two years have passed since then, you know what to do.