Where is the best place to withdraw money from elance/odesk?

Question

Freelance

Directly to the card or to paypal and from there to the card?
How are you doing?

Answer 1

Sorry for such a long post, there really ~no time to make it shorter~.
P-PS. to make the opus easier to read, rewrote it, calling PayPal accounts "purses" (as opposed to a bank "account").
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I don't know about ELance (I guess it's not much different), but with oDesk it's like this:
PayPal doesn't take any commission.
It can accept to a corporate wallet (although there were horror stories that it won’t happen; pah-pah-pah) and withdraw from it to a bank account (in my case, an individual entrepreneur’s current account). I did not check it, but "judging by the buttons" it should also transfer to the account of the physical. faces.
From the PayPal wallet of an individual, you can (verified) withdraw to a bank account of an individual. faces (and only).
Between a corporate wallet (IP) and a physical wallet. persons can be transferred back and forth (rubles) without a commission (!).
! There is a nuance! You can withdraw from the wallet only rubles. But! Withdrawal to the current account (bank) of the individual entrepreneur takes place at a rate higher than if transferred to your wallet of an individual! That is, any movement is a transfer into rubles, but this rate (at least in the period from November to January (2015)) was higher than the conversion rate of any of the banks I observed. Despite the fact that in banks, I observed the conversion rate when credited to settlement accounts, which is usually obviously higher than when transferring to accounts of individuals. That is, PayPal offered (which was a big and pleasant surprise for me) the most profitable exchange rate possible for me!
Transferring via PayPal was more profitable than using a bank transfer! Although it should be noted that PayPal has several levels of "personalization": without providing some scans (documents), limits will be set on the amount of transfers and balances - yes, now PayPal in Russia (in connection with an attempt to comply with all laws of the Russian Federation) is very sophisticated .
If you transfer in dollars to a bank account, then
- to the account of an individual - I will not say the exact numbers, but there are standards according to which the bank is obliged to transfer some information (read "starting with some amounts") "further".
- to the current account of the individual entrepreneur (in foreign currency) - Oh ... it turned out to be easier for me to forget about explaining to the girl from the currency control that oDesk does not have a seal, and each money transfer is not associated with a specific contract. And this is no longer a matter of "reporting" further - until the bank receives the documents for each transfer - the money simply will not go beyond the transit account - you will not receive them! The bank does not have the right to miss them, and usually bank employees reinsure themselves as best they can, for any reason and for no reason. There are, of course, other banks (I'll try at my leisure), somewhere you can even send (? Allegedly!) Scans of acts of completed work. The degree of "willingness to skip payments" correlates very well with the competence of the girl from the financial monitoring department (currency control) and the level of her literacy in this matter, which, unfortunately, is rare. Even with the most ordinary foreign economic activity, it is recommended that you first "eye-to-eye" communicate with the currency control (fin.monitoring) of the bank. And if we are talking about oDesk / ELance / Apple / Google, you either need to have a deliberately unlimited supply of time and nerves (at least in most cases), or the responsible bank employee must be Dr. House from financial monitoring in order to be able to fight off (to score on) superiors. Often they include robots (read "stupid"), just to discourage clients who plan to make transfers where they are not one hundred percent secure. you either need to have a deliberately unlimited supply of time and nerves (at least in most cases), or the responsible bank employee must be Dr. House from financial monitoring in order to be able to fend off (score on) superiors. Often they include robots (read "stupid"), just to discourage clients who plan to make transfers where they are not one hundred percent secure. you either need to have a deliberately unlimited supply of time and nerves (at least in most cases), or the responsible bank employee must be Dr. House from financial monitoring in order to be able to fend off (score on) superiors. Often they include robots (read "stupid"), just to discourage clients who plan to make transfers where they are not one hundred percent secure.
This, of course, is for the case if everything is in accordance with the laws of the Russian Federation (transfer of proceeds from entrepreneurial activity to a current account), transfer to an individual's account is a different case.
Since I pay taxes, I do not use a Payoneer card, which can sometimes be used if you need to get money faster (PayPal officially transfers 5-7 working (!) Days to a bank account - in practice, a little faster). And when using which, (if I used it), the rate at ATMs, oddly enough, for cash withdrawals is higher (at least it was in December) than when shopping. And even taking into account the commissions, it was at the level of a bank transfer.
Sometimes on the Internet you can find ATM addresses "without a limit", and with high limits on cash withdrawals in one transaction. But the fact is that these limits change very often (even meager ones: from one meager to another). In practice, in a large city, you can easily find an ATM with a limit of 10 tr. near the house. The toad about commissions is strangling, but if you count, it turns out not at all as bad as it might seem.
PS.
Please note that linking accounts to PayPal wallets, making cards, etc. can take a long time due to various protective periods, requirements and checks - I (taking into account the fuss with the PayPal corporate wallet and other things) received the first money only after 1.5 months (there was a possibility , which will be longer)!
This is me to the fact that, perhaps, it makes sense to start registering "on all fronts", and then you will figure out where it is more profitable.
P.P.S. Summary. If it does not burn on time, then PayPal with a corporate wallet "teared everyone." It was easier for me - I had a current IP account for a long time. I did not see any commissions from PayPal in any of my use cases (but I suspect that now the conditions for servicing in Russia are very different from those abroad). And even if they were, the course decides (l)! When transferring to an individual's wallet, the exchange rate is less (I'm afraid to make a mistake, but somewhere by 1.1-1.3 rubles). I did not transfer directly to the wallet of an individual from oDesk.
Answering the question, how do I do. I do the following: oDesk -> PayPal corporate wallet -> IP current account -> individual account (aka card). A couple of times for general development it was: oDesk -> PayPal corporate wallet -> PayPal wallet of an individual -> account of an individual (aka card)
If I was ready to evade taxes, then if I needed to receive money for a week earlier, I would use a Payoneer card. The order of losses, if all commissions are converted into a course, is approximately the following: ~ 61 rubles / $ Paypal to ~ ~ ~ (very approximately) 59.5 rubles / $ Payoneer.
I hope that no one will take these figures as a practical guide without checking, considering how often and how much the course is changing now.
PPPS. In PayPal, you can see at what rate the sale will be before you click the decisive OK button. This gave me the opportunity to correct the amount by +/-5% a couple of times when the rate jumped a lot.
"That's too much, but I don't have time to make this message shorter" ~(C)
Have a nice day and manna from heaven everyone!
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!!! UPDATE 01/27/2015 20:48:
Today, it was not possible to withdraw from oDesk to a PayPal corporate wallet (technical support is not working for them at this time, so there are no details).
It was possible to transfer to the PayPal wallet of an individual without any problems.
The bank account did not make a conclusion, so it is not clear whether the following number has practical meaning or not, but in rubles it displays the amount at the rate of 64.369375r / $
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UPDATE
MasterCard changed the commission for transactions, and after that, banks began to cancel the limits. I know that in Alfa-Bank, according to verified information, the limit for withdrawing rubles is now 200 tr. for the operation.

Answer 2

Recently asked the same question .
As a result, I use payoneer.
There are options for withdrawing funds from ATMs / cash desks of banks.
The most "generous" ATM that could be found pays out $200 at a time.
Option with a cash register - works in savings. But 4% commission on the amount + passport data for an amount of 15,000 rubles or more.

Answer 3

The cheapest option, given that Paypal and Skrill take a commission all the time, is a bank transfer. If I were in Russia, I would get a Tinkovsky currency card with a deposit. They say they don't give a damn about where currency transfers come from unless they are 300k+.

Answer 4

Arthur , what a shame that Paypal with a corporate wallet was covered :( And what of the white methods is left if the currency control does not miss a payment from upwork (odesk) and others?

Answer 5

https://copist.ru/ru/blog/2016/02/19/web-portfolio/ Relevant experience
I recommend that you indicate in the portfolio the places of work and the list of acquired skills (it is better to skip achievements and the stack of technologies), do not bother much with the "pet project" (it is never checked in detail - you need the fact of owning version control systems and for a good turnip it should have more than one contributor or a lot of subscribers, 10-20 people), along with work experience, indicate any test work completed recently (if test tasks are also not under NDA, these are your work, your experience).
You can take part in Open Source instead of your project, make about 10 changes through a pull-request, or become the main contributor to accept other people's pull-requests.
Here is a request that randomly selects the latest open issue in the public repositories for the Java language on GitHub
https://github.com/search?o=desc&q=type%3Aissue+is...
( search query syntax )