YooMoney review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
YooMoney runs a Russian virtual card with a monthly fee of RUB 0 and a multi-currency wallet, so it suits people who want a card for spending in Russia and other currencies without a monthly charge. The catch is the currency conversion fee of 2.9%, which is high next to cards that convert for less.
Key facts
- Best for
- A low running cost virtual card for paying in Russia while holding several currencies.
- Monthly fee
- RUB 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.9% (Source, checked September 26, 2026)
- Card type
- Virtual (Source, checked September 26, 2026)
- Card network
- Local (Source, checked September 26, 2026)
- Legal entity
- ООО НКО «ЮМани» (Source, checked September 26, 2026)
- Headquarters
- Russia (Source, checked September 26, 2026)
- Founded
- 2002 (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Official website
- yoomoney.ru
Credit cards
Pros and cons
Pros
- The monthly fee is RUB 0, so keeping the account open costs nothing.
- The card is virtual and the wallet is multi-currency, which puts card payments and several currencies in a single place.
- It runs under a Bank of Russia licence, 3510-К, so the provider sits inside the Russian regulatory system.
Cons
- The currency conversion fee of 2.9% is high for a card sold as multi-currency, and its rank on currency conversion cost is 211 of 259.
- The card runs on a local network, so it does not work the way a global card scheme does abroad.
Who it suits
- People in RU who want a virtual card and a multi-currency wallet with no monthly charge.
- Anyone paying mostly online who would rather keep the card out of sight.
- Users who spend mainly in the local currency and can keep conversions to a minimum.
Who should look elsewhere
- Travellers who convert often: the currency conversion fee is 2.9%, while Lynk Visa virtual card charges 0%.
- People after a physical card, since YooMoney's is virtual; JBJ Production Haiti is a place to look for that, with a monthly fee of $0.
The company behind it
YooMoney issues the card through ООО НКО «ЮМани», a company registered in Russia that was founded in 2002. It works under a Bank of Russia licence, 3510-К, and the Bank of Russia is the regulator named for this market. The licence is the main thing to weigh before you open an account here.
How YooMoney compares
8.8 vs 9.4
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8.8 vs 8.0
Where YooMoney is available
- Available
- Russia
- Licence in Russia
- Bank of Russia (3510-К), checked September 26, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does it cost to keep a YooMoney card?+
The virtual card has a monthly fee of RUB 0, so there is no recurring charge for keeping the account open. The cost that matters sits on the same card: currency conversion at 2.9% each time you spend outside your wallet currency.
How much does YooMoney charge to convert currency?+
The currency conversion fee is 2.9% on this card. That is above the site median of 1% and above the upper quartile of 2.5%. Cards that convert for less, such as Lynk Visa virtual card at 0%, cost less to use abroad.
What kind of card is it?+
It is a virtual card, and the wallet is multi-currency, so a single account holds and pays in several currencies. A virtual card arrives without plastic, which suits online payments and subscriptions where you would rather not hand over a physical card.
Is YooMoney regulated?+
Yes. The provider is ООО НКО «ЮМани», and it holds a Bank of Russia licence under number 3510-К in Russia. The Bank of Russia is the regulator named for this market, so that licence is the main thing to check before you open an account.
Can I use the card outside Russia?+
The card runs on a local network, so it is built around the Russian market rather than a global scheme. That matters for travel: a card on a local network can be awkward once you are away, and conversion on foreign spend is charged at 2.9%.
How does it compare with cards that also charge no monthly fee?+
Lynk Visa virtual card, DolarApp DolarCard and JBJ Production Haiti all sit at the free end on monthly fees, $0 and $0. The real difference is currency cost: Lynk Visa virtual card converts at 0% against YooMoney's 2.9%.
How long has the company behind YooMoney been running?+
The company behind the card was founded in 2002 and is registered in Russia as ООО НКО «ЮМани». That history says little about the running cost, which is set by the conversion fee of 2.9% whenever you spend outside your wallet currency.
Sources
- en.wikipedia.org/wiki/YooMoney checked September 26, 2026
Backs: Founded, Headquarters
“Service launched on July 24, 2002 as Yandex.Money”
- yoomoney.ru checked September 26, 2026
Backs: Card type
“Virtual card available at no cost”
- yoomoney.ru/document/bankovskie-karti-yoomoney checked September 26, 2026
Backs: Features, Currency conversion fee, Legal entity, Monthly fee, Card network, Licences
“Multi-currency support available via Multicurrency cards package; NFC-enabled ATM withdrawals for virtual cards”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
YooMoney
A low running cost virtual card for paying in Russia while holding several currencies.