Bank Transfer (Wire Transfer) is a transfer of money to a bank account. It's one of the most popular way to pay in the world. As a rule, the recipient needs to have a bank account to receive money. However there are many banks that allow this transaction without opening a bank account.
QIWI Wallet is your personal area in QIWI payment service where you can store details of all your payments, account balance or scheduled payments, invoices of online shops, as well as different reports about your payment activity. QIWI is electronic money you use to pay for thousands of goods or services. It also an instrument to accept payments for services you provide. Payments can be made both using QIWI Wallet balance and cell phone balance, as well as bank card. QIWI interface is available for a web site, all mobile systems, or VKontakte. It's a very useful tool for online stores and freelancers to pay or to make money.