How to pay for goods to Belarus.  Payment options.  International translation systems

How to pay for goods to Belarus. Payment options. International translation systems

The sights of Belarus on the map are evenly distributed and very convenient for independent travel. There is something interesting in every corner of the country. In the west of Belarus - the Brest Fortress, the famous Belovezhskaya Pushcha and tourist towns with colorful European architecture (for example, Grodno). In the east - more familiar to the Russian eye

Many tourists are wondering - do you need a visa to Belarus? We answer - Russians do not need a visa to visit Belarus. Moreover, you can enter the country not only with a foreign passport, but also with an internal Russian passport. Russian citizens can stay in Belarus without registration for 90 days from the date of entry. If you plan to stay longer, you need to

Do you remember how you looked forward to gifts from Santa Claus as a child? Perhaps you are still expecting miracles at this time? Then you should definitely come to Belarus, a country where people celebrate not one but two Christmases! Most of the world today follows the Gregorian calendar. The Orthodox Church, however, still adheres to the old, Julian calendar. Exactly

It is easy to confuse many photos from Belarus with pictures from of Eastern Europe. It's hard to imagine that you don't have to travel to distant lands to see cozy old houses, Gothic churches and impregnable castles! Photos from holidays in Belarus are remembered for their bright, rich colors and magnificent landscapes. For example, pictures of Braslav lakes or Belovezhs

There are many folk holidays in the Belarusian calendar of holidays - Generosity, Radunitsa, Gromnitsa, Magpies ... Each of them has its own traditions and rituals, which Belarusians carefully carry through the centuries. Generosity is a festive walk around the houses, accompanied by generosity songs and congratulations. It is very similar to Carols - they go generous just at Christmas time. In the group of generous people there is always a Reason

“I decided to order a ticket to a Belarusian sanatorium. I don’t want to use the services of Russian tour operators, I plan to order directly, but I don’t know how to pay for the ticket in this case. I would be grateful if you could tell me how to pay for the ticket in Russia? Igor V.”

Having decided on the sanatorium, you need to go to the website of the sanatorium of your choice and book a ticket. After that, the spa hotel issues an invoice to you by e-mail or fax (as you prefer). The invoice is valid for payment within three banking days.

In Belarus, prices for vouchers in a sanatorium are approved in Belarusian rubles, Russian rubles, euros or dollars. If the price list is approved in Belarusian rubles, euros or dollars, then the payment for vouchers is made in Russian rubles at the established rate on the date of the invoice. Payment of the issued invoice is possible in any branch of the bank located on the territory of Russia.

To pay the bill, the following documents are required: a passport, an invoice and a contract for the provision of tourist services, which is also sent to you by the sanatorium. Money transfers are carried out from your bank account or a deposit opened with a bank, it is possible to carry out bank transfer and without opening an account.

Many Belarusian sanatoriums offer to pay for services through the Webpay electronic payment system - using Visa, MasterCard bank payment cards. To make a payment plastic card booked rooms and additional services you will need to follow a few simple steps. After agreeing on all the terms of the booking, you will be automatically redirected to the secure payment page of the Webpay service.

Investments

Can a Russian open a deposit in a Belarusian bank?

“I plan to move to my sister in Belarus for an indefinite period. In Russia, I save part of my pension for Bank deposit. Can I open a deposit in Belarusian bank? If so, in what currency, and am I guaranteed a refund of my deposit in the event of a bank failure? Thank you. Simonova G.I.".

Any Russian can freely open a deposit account in any Belarusian bank. You can do this in one of four currencies: Belarusian rubles, Russian rubles, US dollars and euros.

To do this, you need to come to the bank you like, present a Russian passport and put the available amount of money on the selected deposit. The minimum amount to open a deposit is $100. At the same time, it should be borne in mind that the profitability of a deposit depends on the currency, amount and terms of the deposit. Detailed information about the most profitable deposits, rating of banks and much more about deposits in Belarus can be found on the sites infobank.by and Myfin.by.

In Belarus there is state system deposit guarantees. All commercial banks who work with the population are its participants. The maximum amount of insurance coverage in Belarus is not established. The state guarantees the complete safety of the funds of individuals in Belarusian rubles and foreign currency, reimbursement of 100 percent of the amount of these funds. When the account is closed, funds are issued to the client in the currency in which the account was opened.

Please note that for interest on deposits for a period of less than a year in national currency and less than two years in foreign will accrue income tax at a rate of 13 percent. The amount will be held tax agent(bank) at the expense of any funds paid by the bank to an individual, including the individual's own money placed on deposit, as well as money on current bank accounts. So if you don't want to pay taxes, dollar deposit must be open for at least two years.

The Russian Federation and Belarus are friendly countries. They are united both by economic, cultural relations, and by the kinship of the people. Therefore, many Belarusians have close people abroad. Transfers of funds in this case are not uncommon. However, not everyone knows how to transfer money from Belarus to Russia. There are several ways to send payments to other states.

Main methods of money transfer

Money transfers from Belarus to Russia are carried out in several ways. The most popular among them are:

  • international shipments carried out through Belpochta;
  • use of services of the international level MoneyGram, Western Union;
  • cooperation with Russian banks using Contact, Unistream, Blizko services;
  • electronic payments via the Internet.

Each of them has features. In order to find out how to transfer money from Belarus to Russia, it is worth getting acquainted with the features of various methods.

Belpochta

Belpochta provides money transfer services to various states. In addition to Russia, the list also includes Vietnam, Serbia, Albania, CIS countries.

You can’t name a popular way of transferring through Belpochta. Payment can go to the place of receipt for a long time. The transfer of funds across Belarus takes place within 4 hours. After receipt abroad, the transfer can be delivered at best after 2 days. Some citizens receive payment after 5 days. At the same time, the tariff for such a service is clearly overpriced.

There is an allowed limit on sending money. You can send via Belpochta to Russia no more than 90,000 Russian rubles. Shipping to other countries should not exceed $500.

This method also has a major advantage. Belpochta is constantly working on expanding the network of branches. Therefore, you can send money anywhere. Also, clients can use the transfer service with notification of the recipient and a message about the receipt of funds in writing.

International translation systems

Money transfer from Belarus to Russia can be carried out using international systems. Featured companies moneygram and Western Union known all over the world. They help clients quickly transfer payments to any countries and continents. Due to many years of experience, they are in demand systems. This is what causes the increased interest rates which are taken as a commission.

Each system has its own characteristics:


Money transfer services

Transferring money from Belarus to Russia is carried out using well-known services. Common ones are:

  • Blizko;
  • Unistream;
  • contact.

When choosing a transfer system, it is worth finding out the transfer limit through various systems. Unistream allows transfers of no more than $20,000 per day to neighboring countries. The Blizko service sets a maximum threshold of $16,000.

Bank account

Funds can be transferred by transferring to a bank account. To do this, you need to know the details of the addressee. These include:

  • correspondent account of a banking organization;
  • OKATO code.

To obtain them, you can contact the bank branch. Then worth a visit financial institution where the client has an open account. He will need to fill out an application that indicates permission to transfer funds. You can make a note about a one-time or permanent withdrawal of money. The name, details of the recipient's organization, and the addressee's data are also entered in this form.

After receipt of funds to an open account, they are debited. In a few days they will be on the recipient's account.

Electronic money

The transfer can be made to an electronic wallet. A common service is WebMoney. To transfer money, the sender and recipient must have wallets in the system.

Crediting is made in a few hours after sending. In addition, each transaction is paid. The commission is 0.8% of the payment amount.

To transfer, select "Wallets" - "Transfer"

When transferring money, remember to tax legislation Belarus. It sets a certain limit. If it is complied with, no further action is required. If the amount exceeds a certain value, then the sender must provide the bank tax return. As of 2011, the limit is set at 70 million Belarusian rubles.

Russia and Belarus are friendly states that have a common border, so it is not surprising when citizens of one of the countries travel for earnings on territory of a neighbor, or relatives transfer money. In this regard, the question of how to transfer money from Belarus to Russia is relevant.

How to transfer money from Belarus to Russia

In order to send money from Belarus to Russia, you can use the standard set of funds for transferring finances:

  • send money from a card from Belarus to a card (or bank account) in Russia;
  • transfer money by mail;
  • send money using an electronic wallet;
  • send them through the payment system.

Each of these methods is useful in different situations, and they all have certain nuances that must be considered when choosing a sending method in each case.

Through Sberbank

The Russian bank Sberbank provides an opportunity to transfer money using various international transfer services. We will make a reservation right away that this operation can be performed only by personal appeal to the bank's office, because. Sberbank Online does not support cross-border transfers.

Transfer to a Sberbank card from Belarus to Russia is carried out using the following services:

  • International non-cash transfer from account to account. If you and the recipient of funds have accounts with Sberbank, then funds between them can be transferred in rubles, Belarusian rubles and any other currency. This process takes a maximum of 2 business days. In this case, it is beneficial to transfer large amounts, because. The operation is not limited size limit translation. The transaction fee will be 2% for the Russian ruble, and 1% for other currencies.
  • Urgent international transfer cash "Hummingbird". This option allows residents of border states - Russia, Kazakhstan and Belarus - to transfer funds very quickly through banking system. Unfortunately, due to the political situation, customer service has been discontinued on the territory of Ukraine. The duration of such an operation is no more than an hour. It can be produced in Russian rubles, dollars and euros, while both the sender and the recipient pay 1% of the amount for the service. In this case, cash can only be received at bank branches.
  • Urgent international transfer MoneyGram. This service allows you to translate cash almost instantly between clients from 190 countries, including Lithuania, the Czech Republic, England, Spain, Turkey, Germany and Israel. Sending money to Ukraine is not carried out due to the political situation. Operations are carried out in dollars and euros, and the procedure itself takes only 10 minutes. Commission rates depend on the amount. For Belarus, shipments up to $100 will cost $2, up to $200 - $3, up to $300 - $5, etc. The maximum commission amount is $90, details of the rates can be found on the bank's website.

Thus, Sberbank provides money transfer options for various situations when it is necessary to transfer money abroad as soon as possible. These methods are more relevant for those citizens who receive patch in foreign currency.

Postal money transfer in Belarus: tariffs

Provides the ability to send both a postal address money transfer within Belarus and international shipments. In this case, the payment of the commission for the operation is carried out by the sender, to the post office. For transfers within the country, the commission will be 3% of the amount, but not less than 1 bel. ruble. When performing a transaction with an amount above 100 bel. rubles are discounted. In this case, it is possible to carry out the sending procedure with additional paid services: home delivery, notification of the sender about the receipt of funds, as well as a text message attached to the transfer.

Postal transfer from Belarus to Russia is impossible in the usual sense. It is carried out in in electronic format, while sending an express shipment to Russia is not possible. Such operations are carried out within 2-5 days, maximum size payment - 90,000 Russian rubles.

With electronic wallets

In Russia and the CIS countries, 3 electronic wallet systems are most widely used - Yandex. Money, WebMoney, QIWI. For international transfers, WebMoney is the best choice, because. Yandex. Money and QIWI are more adapted for transfers within the country.

Transfer via WebMoney from Belarus to Russia will take approximately 1-3 hours. If the wallets are of the same type (i.e., a transfer is made from one WM wallet to another), then the transfer percentage is 0%. If the wallets have different identifiers and passport levels, then the commission will be 0.8%.

You can withdraw money in Russian rubles from the system in various ways:

  • to a VISA or MasterCard bank card - from 0 to 3 days, commission 2% -2.5% depending on the bank;
  • money transfer through the transaction system - during the day, up to 3%;
  • bank transfer to the account - during the day, from 0.8% depending on the bank;
  • postal transfer - up to 7 days, 2%;
  • through exchange offices of partner systems - online, from 1%.

Thus, if the participants in the operation have Internet wallets, and especially when accruing earnings directly to the wallet account, this method is the most profitable and time-saving.

It should be noted that when crediting funds from bank card on the internet wallet, the user is also charged a commission.

Is it possible to transfer money from a Belarusian card to a Russian one?

There are several ways to send money from Belarus directly to the card of a Russian recipient if, due to circumstances, he cannot receive a transfer at a bank branch.

Belarusian Technobank makes transfers to cards of Russian residents through a payment Contact system. In order to carry out such a procedure, you need to go to the bank branch with your passport and name the passport data (F. I. O.) of the recipient and his card number. In this case, the shipping fee will be 1%. In this case, the transfer of funds is made within a few minutes.

Banks Paritetbank and Bank Moscow-Minsk use for the same purposes the system of transfers "UNISTREAM - Cash 2 Card". For sending, the same data is required as in the previous case. The commission is 1.5%, the sending time is from a few seconds to 5 business days, depending on the system load.

Important! Such transfer systems do not support the Russian MIR payment system.

Alfa-Bank offers to transfer money to cards of Russian banks even online, without visiting a branch. However, these rules may be limited by the policy of the receiving bank. The commission for such transfers is 40 rubles. rubles + 2% of the transfer amount. To the cards Russian clients Alfa-Bank transfers are made instantly, for other banks the term can be up to 5 days. The transfer is tracked via SMS or the bank's application.

Through payment systems

You can use payment systems through bank terminals, payment points, partner stores, etc., the location of specific payment points can be found on the website of a particular company. Here are the conditions of the main payment systems that are used to transfer money between citizens of Russia and Belarus:

  • MIGOM. Transfer through this system is carried out instantly, through points partner terminals. The commission is 1.5% -2% for shipments in Russia. rubles and 2%-3% for foreign currency transfers.
  • Gold Crown. Allows you to send money with a commission of 1% in Russia. rubles and 0% in foreign currency, subject to conversion at the rate of the system. Implements instant transfers and has a wide network of partner points in Russia and CIS countries.
  • WESTERN UNION. Shipments can be made from bank and post offices. Depending on the transfer amount, the commission will be from 1% to 1.7%.

In order to collect the money sent to them, recipients need to know the details of the payment - its number, full name of the sender. The same is true for the sender: when making a transaction, he needs to name the country and city of the transfer, as well as the recipient's passport data.

What difficulties can you face

Sometimes international shipments may take longer than usual during periods of national holidays or any technical problems with the system. Banks usually report delays promptly. In addition, some Russian banks may additionally charge a fee from the recipient for issuing the transfer. The conditions of the procedure must be inquired in advance on the bank's website.

Precautionary measures

It is necessary to keep checks and receipts (including electronic ones) on the payments made, so that, if it does not arrive within the time specified by the bank, there is evidence for filing claims with the bank's management. In addition, produce Money transfers should always be personal and only to well-known people - relatives and friends.

Thus, the commonwealth between our countries allows you to choose many different options for transferring funds from Belarus to Russia, depending from the needs of the client. Depending on where the recipient can pick up the money and how quickly he needed it, you can choose a transfer method that requires a minimum commission payment. In addition, the benefit of such a transfer directly depends on the way the sender earns money - whether it is transferred to internet wallet or to a card, and which bank's clients are both participants in the transaction.

Some residents have Russian Federation it may be necessary to send personal finances to another country, for example, to Belarus. Citizens of Russia are interested in the question of how best to send money.

This can be done in several ways, but the most popular option is to use the services of Sberbank.

It is not possible to send money directly from a Sberbank card to a Belarusian card.

But the bank offers other methods of sending funds:

  1. Urgent international cash transfer "Hummingbird". In this case, you can send funds without opening a new account. Sending is made at the bank office. The procedure takes no more than an hour. Both the recipient and the sender are charged a commission fee of 1%.
  2. Fast international MoneyGram transfer. The transaction is completed within 10 minutes. The percentage for the procedure depends on the amount of funds transferred. When sending up to $ 100, 2% is charged, up to $ 300 - 3%, and so on.
  3. International transfer to a bank account or cash transfer. The procedure is completed within two working days when sending cash and within a day when transferring to a card or account. Commission fee per transaction is 2% if the amount is sent in rubles, and 1% if the currency is used.
  4. International non-cash transfer from account to account. The operation is performed in rubles, euros, dollars or other currencies. The transaction takes up to two business days. Commission for a transaction in rubles - 2%, for currency transfer – 1%.

A profitable option is the Blitz service from Sberbank. This option is suitable for those citizens who are clients of Sberbank.

Blitz is a system that allows Sberbank customers to send funds not only to other regions of the Russian Federation, but also to nearby countries. Efficiency is the hallmark of this service. Funds are transferred almost instantly. Already an hour after the completed transaction, the recipient can pick up the money at the bank branch.

This service is not free. For each transfer made, the bank takes an interest of 1.75% of the transferred amount. But at the same time, the percentage cannot be less than 150 rubles and cannot be more than 3,000 rubles. You can send no more than 500,000 rubles at a time.

In addition, Sberbank makes it possible to send a cashless transfer from the Russian Federation to Belarus. To do this, a person needs to come to the office of Sberbank with a passport. Tell the manager the details of the recipient's account and give the required amount. The deadline for sending finances is two days.

Transfer from Alfa-Bank card to recipient's card

Virtual transfers are much easier if the sender and recipient have cards from the same bank. Alfa-Bank enables its customers to transfer money from card to card, including from Russia to Belarus.

If the card has the required amount, then you can simply make a transfer. All this is done online. But there are some restrictions, for example, it is possible to transfer no more than 75,000 rubles at a time, and no more than 500,000 rubles in 30 days.

To complete the transaction, you will need the details of the card of the sender and the person receiving the funds. You will also need to enter the card PIN. The procedure is performed on the Internet, that is, a personal visit to the bank office is not required.

When all columns are filled in, the commission for the transaction is calculated automatically, in the amount of 1.95% of the transferred amount.

Transfers through other payment systems

There is another option for sending funds - this is the use of various payment systems. The most popular and demanded systems are:

  • Western Union;
  • contact;
  • migom.

Each service has its own characteristics.

Western Union

This system has been popular for many years. Thanks to the service, it is possible to make a transaction without opening an account. You can receive funds within a couple of minutes after sending them.

The commission for the completed transaction is from 1 to 1.7%. It depends on the amount of the transaction and on the type of currency. To receive a transfer, you must present a passport, fill out a special form, indicate the transaction number, amount and other information. This method is considered the most reliable and simple.

contact

The operation through this system is carried out in the same way as in Western Union. There is no need to create additional accounts. But this option is valid until the limit, which for Belarus is equal to 500 base units (the base unit is determined by the exchange rate).

If a person exceeds this limit, you will need to create a personal account. At the same time, registration is carried out with the Department of Humanitarian Affairs. To receive and cash out finances, the written permission of this Department will be required.

When making a transaction, a commission of 3% of the transaction size is paid. The transfer takes from several minutes to a day. To receive, you will need a passport, transfer number, amount. This system is not as simple as Western Union and has some complexities.

migom

In this system, as in the previous case, there is a limit on the amount of the transfer. If this limit is exceeded, you will also need to open a special account. But the base values ​​are reduced to 100.

It will take only a quarter of an hour for the funds to reach the recipient. The commission depends on the currency of the transaction. When sending rubles, the commission varies from 1.5 to 2%. When sending foreign exchange the commission is from 2 to 3%. To receive funds, you must have a passport and an application for obtaining finance.

As you can see, there are many options for sending funds from Russia to Belarus. Each client independently chooses the system by which the procedure will be performed.