Money transfers are an integral part financial system and a great helper Everyday life. One of the most popular providers in this area is money transfer "" and Sberbank.
The main difference among them is that opening an account is not required to transfer payment system Golden crown, and in Sberbank all operations are carried out exactly. There is a second, important difference: Sberbank uses only its network of branches and ATMs for transfers, while the Zolotaya Korona system makes money transfers through many banks, the addresses of which can be found on the company's official website.
Banks where there is a Golden Crown may differ depending on the region. Each region of Russia has its own regional credit organizations, each of which cooperate with different translation services.
For example, in Russia, the transfer of "Zolotaya Korona" through Sberbank is not possible either online or in a branch. But if the residents of Kazakhstan ask if there is a Golden Crown in Sberbank, their question will not seem strange, because SB Sberbank JSC provides this service on the territory of their country. By the way, Alfa Bank in Kazakhstan is also a partner of the Golden Crown.
To find the nearest bank where Zolotaya Korona accepts and issues transfers, use the search service on the website:
Just enter your city and street - if you want to find the closest partner bank of the Golden Crown system to you.
Which banks have this service - banners and logo stickers will also prompt:
The same sticker is affixed to ATMs where Zolotaya Korona cards can be cashed out or transferred using them.
Sending money using the service is also simple - sendings are accepted not only at banks and system service points, but also at Euroset and MTS sales offices located at every step.
If you have a card gold Crown”, you can make an online transfer from a bank card in your personal account. The card is issued to each sender upon initial use of the service.
Instant transfers "Zolotaya Korona" is one of the most modern and unique Russian systems money transfers individuals. Instant money transfers are made without opening an account. The money transfer system - its full name is "Golden Crown - Money Transfers" - was developed by the Center for Financial Technologies (CFT). System instant transfers actively develops and moves forward across Russia, to the CIS countries and far abroad. The first money transfer "Zolotaya Korona" through the system was made on April 10, 2003.
Logo of the "Zolotaya Korona - Money Transfers" system
The Zolotaya Korona brand is a patented brand of the national payment system of Russia, which includes the entire range of services in the field of cash and non-cash payments. Zolotaya Korona - Money transfers is one of the types of services provided to customers using the Zolotaya Korona brand. Today the Zolotaya Korona - Money Transfers brand is popular in many regions of the country and is easily recognizable throughout Russia.
At present, the instant money transfer system network is represented in the following CIS countries: Abkhazia, Azerbaijan, Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Uzbekistan, Ukraine.
The money transfer system unites 250 banks in Russia and the CIS and major Russian mobile retailers. The total number of points of the "Zolotaya Korona - money transfers" system exceeds 20,500 points in Russia and the CIS countries. Transfers through the Golden Crown - Money Transfers system are carried out by many banks in Russia, including: Eastern Express Bank, MDM Bank, Bank Uralsib, Moscow Regional Bank, Spetssetstroybank, Ural Transport Bank, Asia-Pacific Bank, Dalkombank, Chelyabinvestbank, JSCB Perminvestbank, JSCB "ENISEY" (OJSC), OJSC "Vostokcreditbank", CJSC "Mega Bank", OJSC CB Mordovpromstroybank, etc.
In addition to partner banks, which account for the bulk of the service points of the Golden Crown - Money Transfers network in Russia and the CIS, the System's services are also provided by large Russian retailers: Svyaznoy, Alt Telecom, Euroset and MTS- Retail".
The State Enterprise “Poshta Moldovei” (“Post of Moldova”) has also joined the “Golden Crown - Money Transfers” system, thanks to which 1,200 post offices in this country will issue its transfers.
To expand the geography of the points of receipt and issue of transfers, the CFT Company is actively implementing projects for integrating the Zolotaya Korona - Money Transfers system with other similar money transfer systems. To date, 5 projects of integration with such money transfer systems as: "MoneyGram" (USA), "PrivatMoney" (Ukraine-Russia), "Caspian Money Transfer" (Azerbaijan) and "AVERS" (Ukraine), express transfers " FASTER" (Kazakhstan). The cooperation of the systems allowed the participating banks to make transfers to more than 190 countries of the world.
The Zolotaya Karona - Money Transfers system provides an opportunity to make instant money transfers without opening an account in the following currencies:
The cost of translations individual banks different from the above transfer rates. For example:
The philosophy of the CFT company is innovativeness and reasonable pragmatism. This philosophy allows the Golden Crown - Money Transfers system to be not only a classic money transfer service, but also to constantly increase the number of innovative solutions. So, today a whole range of related innovative solutions has already been introduced:
The Golden Crown is a Russian development of scientists from Akademgorodok, which was created in the mid-90s of the last century. Today it is an international payment system that is developing in two directions: as a money transfer service and as a line of bank cards that have never been hacked by hackers in 20 years.
You can learn more about how to use the Zolotaya Korona - Money transfer service without opening a bank account.
Here we will consider how to become the owner of the Golden Crown card and use all its features for your own benefit.
All questions from users of the Golden Crown on the forums of the analysts of our site were grouped into several blocks, answering as much as possible in simple terms and visually understandable.
It does not apply to a specific bank, its principle was developed by the payment system itself and applies to plastic issued by other banks. The main thing is that these banks should be partners of the Golden Crown. Each region has its own partners. How to find them? The algorithm is simple: on the koronacard.ru website, select the "For banks" section and activate the "Our partners" option.
A list of regions with partner banks in the current year will open. Choose your region, the bank you like and issue a card there, which will also function in the Zolotaya Korona payment system.
Look for partners of the Golden Crown and order a bank card from them
Users ask how to log in Personal Area golden crown cards This question arises from a misunderstanding: the Golden Crown has an online money transfer service, where you need to register in your personal account to make transactions. bank card not needed for translation. And the Golden Crown card is issued by its owner in one of the many partner banks of the Golden Crown - there are more than half a thousand of them in the Russian Federation alone. Therefore, the procedure for entering the personal account of each card is prescribed by the bank, which issues it to its client.
Can I apply for a Golden Card online? Naturally, if the bank that issued it prescribes such an opportunity. If not, then sorry, you can look for another partner of the Golden Crown.
How to find out the balance of the Golden Crown card? Another question for which there is no single answer. Each bank that issued the card has its own algorithm. This also applies to transfers from card to card through the Golden Crown.
How to activate the Golden Crown card? The answer is obvious: as soon as you carry out any operation with its help, including within the framework of the Zolotaya Korona payment system. Naturally, the card is subject to the rules of use of the bank that issues it.
Sberbank is a competitor to the Golden Crown, as it gives its customers the opportunity to transfer via the Internet through its own development - the Sberbank online service. So if you want to use the Golden Crown payment system, then this will not work in Sberbank.
Sberbank and Zolotaya Korona cooperate in Kazakhstan
Another nuance: if in 2018 you are not in Russia, but in Kazakhstan, then you have the opportunity to transfer funds through the Zolotaya Korona payment system at the local branch of Sberbank, since both brands cooperate on the territory of this state.
But online banking is not possible either. You must contact the office of the Kazakhstani branch of Sberbank, show your passport, present money for transfer and name the city of residence, as well as choose a currency and tell the name of the recipient of your money. The amount will be transferred to him through the Golden Crown.
The simplest plastic with the Golden Crown logo in terms of functionality is a money transfer card. It can be issued in partner banks. Only the necessary information for the owner is stored on plastic - where and how much he sent money - and his personal data. Convenience in templates: transfers are made automatically, saving time on issuing receipts. The cardholder simply presented his passport and plastic at the transfer point, after which he sent or received money.
An example of a simple card for money transfers through the Golden Crown in one of the regional partner banks of the payment system
Zolotaya Korona cooperates with other payment systems and therefore issues special cards that combine the convenience of two payment systems. These are the Golden Crown card - MasterCard and the Golden Crown card - UnionPay. With their help, it is easy to make international transfers, since such a “joint plastic” is accepted for servicing by all partner banks of both payment systems.
The Golden Crown cooperates with big banks in issuing cards under their auspices. For example, Sovcombank produces a whole line credit cards that operate in the Zolotaya Korona payment system, and additionally in the Mastercard system. Each of the three types of credit cards is serviced under different conditions of this bank. Similar credit cards from the Golden Crown are also issued by its other partner banks.
An example of a partnership between two payment systems for one bank card
The experience of cooperation between the Golden Crown and the Corn card, which is issued in the Euroset, is interesting. This is a broad partnership: cards are issued Maize MasterCard Standard, Maize MasterCard World and corn Master Card Pay Pass(nominal). You can find out all the conditions for their registration in the Euroset - even on the official website, even in person at the sales office. The main thing is that with the help of such a card you can save on purchases in the Euroset and make transfers, taking advantage of the Golden Crown and Mastercard.
A similar principle lies in the creation of the Kari Club card - the Golden Crown, when the card can be issued at any store of the Kari shoe network in order to receive discounts when paying for goods from this network.
From the same series, the triple partnership of the Golden Crown, Mastercard and the online store KNOW HOW, which issues its own card for payments and transfers.
Similar products have been created in the Beeline and Svyaznoy networks.
It makes no sense to talk in detail about the benefits of each Golden Crown plus partner store card if you understand the general trend: to accumulate bonuses, receive goods and services at a discount by paying with a card, and transfer money through the Golden Crown service.
Moreover, payment terms are constantly changing for the better, urgent promotions are being held, etc. You just need to follow them through the official websites of partners or via SMS notifications.
The most interesting for the user of the Golden Crown in 2018 was the information about the use of cards with this logo in special projects. We are talking about the so-called Transport Card, which the Golden Crown has developed as part of the Electronic Travel Card system. These are several types of transport cards:
Each of them makes it possible to pay for travel and receive discounts in municipal modes of transport and even in some private minibuses.
You can find out the possibilities of the Golden Crown transport card on the website t-karta.ru
You can find out which card is valid in the user's locality via the Internet. On the official website t-karta.ru, find your region - and at the moment the service is not available everywhere - and find out what are the conditions for registration and use transport card Golden crown.
The plastic card of Sovcombank "Zolotaya Korona" is a universal means of payment, with which you can make transfers, pay for goods and services, pay for travel, accumulate your own funds, withdraw cash and replenish savings.
The Golden Crown payment instrument is universal and combines the best features.
The project combines two systems: Golden Crown and MasterCard.
The Golden Crown card is co-badged, so it can be used within the country and abroad, regardless of the political situation and sanctions imposed from outside.
The instrument is issued with a revolving credit line.
The limit on the consumption of cash payments is 2 million rubles per month, non-cash - 10 million rubles per month.
But the Sovcombank Golden Crown card provides holders with ample opportunities:
Full information will be given by employees upon receipt of the Golden Crown card at Sovcombank, they will tell you how to use the tool, where to pay off the debt and how.
The interest rate for the use of credit funds is from 24.9% per annum, depending on the type of payment instrument.
To apply for a Golden Crown credit card, you only need a passport of a citizen of the Russian Federation.
To approve an application for issuing a card with a large limit, you must provide a certificate confirming a steady income sufficient to repay the loan.
For employees - in the form of 2-NDFL, for individual entrepreneurs one of the documents:
Sovcombank offers three types of Zolotaya Korona credit cards, which have common and distinctive features:
| Terms | Shopping card | Boomerang credit card | Service card Advisor |
| Limit | 350 000 rub. | 200 000 rub. | 200 000 rub. |
| Term of use | 10 years | 36 months | 36 months |
| Interest rate for the use of funds | 29,9% | 24,9% | 24,9% |
| Cumulative personal savings rate | 7% | 5% | 5% |
| Cash withdrawal fee |
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| Distinctive Privileges | Installment plan for purchased goods - 3 months | ➖ |
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| Annual maintenance fee | ➖ |
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| Minimum monthly payment | 7% of outstanding debt | 10% of the limit | 10% of the limit |
| Grace period | 46 days | 56 days | 56 days |
by the most convenient way appeal is an online application. It is necessary to select the necessary program, fill in the provided fields and send. The request is considered within 1 hour. After preliminary approval, a branch employee will call the specified phone number and invite you to a meeting to sign documents and issue a card. The procedure takes 15 minutes.
You can activate a credit card immediately after receiving it. To do this, you need to place it in a terminal or ATM, dial a pin code and request a balance. Automatic activation occurs within a day.
Citizens of the Russian Federation between the ages of 20 and 75 can apply for the Golden Crown; for the Purchase Card, the upper age limit has been increased to 80 years.
Additional requirements are:
Before designing an instrument, it is necessary to analyze its positive and negative sides depending on the specific target. From common benefits can be distinguished:
Negative nuances:
After the expiration of the contract, you can close it or conclude a new one. Sovcombank itself offers reliable customers to extend cooperation.
The Zolotaya Korona service allows you to make money transfers without opening any bank accounts through a wide network of points located in the following countries: Belarus, Abkhazia, Greece, Azerbaijan, Belgium, Israel, Bulgaria, Georgia, Spain, Kazakhstan, Italy, China, Latvia, Kyrgyzstan, Moldova, Russia, Turkey, Nepal, Mongolia, Ukraine , Uzbekistan, Czech Republic and France.
The largest city in the Russian Federation is Moscow, so it is obvious that many people are interested in where to get the Golden Crown transfer in Moscow. To begin with, we note that obtaining funds is quite simple.
You need to come to one of the service points located in your city, in this case - in Moscow. You must have your passport with you to prove your identity.
You will also need to name the transfer number, information about which was received via SMS to your phone immediately after the transfer was sent. This service is available for payments equal to or greater than 2,500 rubles or $50.
You can receive a transfer in almost every bank, here is a list of just a few of them:
And many other bank branches in the city.
Receiving funds through the system international transfers "Gold Crown" is free of charge, since all commissions and the cost of services are paid when applying for sending funds.
Please note that in Euroset stores you can receive cash transfers, the amount of which does not exceed 30 thousand rubles. If the amount still exceeds this value, the funds will be credited to your "Corn" card. To do this, you need to call the free number 88007007710 and confirm the procedure for crediting money to your credit card.
If you do not have a card, then you should contact one of the Euroset salons, taking your passport with you, and ask to issue it. After that, you can immediately credit funds to your card.
This procedure will take no more than 5 minutes. It is also necessary to take into account that in this case the translation must be in Russian rubles and must not be a loan from a microfinance institution. It is also not allowed to withdraw funds from the "Corn" card using the "Interest on the balance" service.
A money transfer by the Golden Crown can be stored for up to 3 years, after which the sender will have to contact the bank point where he sent the funds to return it.
