An individual - a resident has the right to transfer currency Russian Federation:
No restrictions (except for transfers to a non-resident);
from the Russian Federation in an amount not exceeding the equivalent of 5,000 US dollars, determined using official courses foreign currencies to the ruble, established by the Bank of Russia on the date of the instruction to the bank to make the said transfer. total amount transfers within one day should not exceed the specified amount.
Resident - only to an account in an authorized bank;
Non-resident - no restrictions.
From the Russian Federation - no restrictions.
A resident individual has the right to transfer foreign currency:
Within the Russian Federation
Residents and/or non-residents only in the order of donating currency values to a spouse and close relatives (at the same time, in without fail documents confirming that individuals are spouses or close relatives are submitted to the bank);
To your own account opened on the territory of the Russian Federation - without restrictions.
From the Russian Federation
In favor of a resident or non-resident (including to one’s own account, an account of another resident or non-resident opened with a bank outside the Russian Federation) for an amount not exceeding the equivalent of 5,000 US dollars, determined using the official exchange rates of foreign currencies against the ruble established by the Bank Russia on the date of the instruction to the bank to make the said transfer. The total amount of transfers within one day should not exceed the specified amount.
1. only to an account in an authorized bank;non-residents - no restrictions. from the Russian Federation - no restrictions.2. in the absence of a beneficiary's account opened with an authorized bank - only as a gift of currency values to a spouse and close relatives (at the same time, documents confirming that individuals are spouses or close relatives must be submitted to the bank);
Translation Money individual carried out on the basis of an application in the prescribed form.
| Document's name: | |
| Document Number: | 508 |
| Type of document: | Letter from the Bank of Russia |
| Host body: | Bank of Russia |
| Status: | Inactive |
| Published: | No. 63, 30.09.97 Bulletin of the Bank of Russia |
| Acceptance date: | August 27, 1997 |
| Effective start date: | September 30, 1997 |
| Expiration date: | June 18, 2004 |
| Revision date: | August 20, 2002 |
CENTRAL BANK OF THE RUSSIAN FEDERATION
The procedure for making foreign currency transfers from
Russian Federation and to the Russian Federation without
opening current foreign currency accounts
(as amended on August 20, 2002)
Repealed from June 18, 2004 on the basis of
instructions of the Bank of Russia dated June 15, 2004 N 1450-U
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Document as amended by:
by order of the Bank of Russia dated October 24, 1997 N 02-469;
(Russian newspaper, N 182, 26.09.2002).
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Bank of Russia Ordinance No. 1412-U dated March 30, 2004 (effective from June 18, 2004) establishes that, when carrying out foreign exchange transactions, a resident individual has the right to transfer from the Russian Federation without opening bank account in an authorized bank foreign currency or the currency of the Russian Federation in an amount not exceeding in equivalent 5000 USD determined using the official exchange rates of foreign currencies against the ruble established by the Bank of Russia on the date of the instruction to the authorized bank to make the said transfer.
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. - Note "CODE".
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Currency operations conducted by authorized banks on behalf of individuals (residents and non-residents) in accordance with this letter are reflected in the Journal of foreign currency transfers made without opening a current currency account. See Appendix 2 to Bank of Russia Directive No. 137-U of January 15, 1998.
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The procedure for the payment of funds in foreign currency clarified by letter of the Bank of Russia dated March 10, 1999 N 88-T.
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1. The "Procedure for making foreign currency transfers from the Russian Federation and to the Russian Federation without opening current currency accounts" (hereinafter referred to as the "Procedure") establishes the rules for making transfers in foreign currency without opening current currency accounts in authorized banks on behalf of individuals (residents and non-residents) from the Russian Federation, as well as the receipt by individuals (residents and non-residents) in the Russian Federation of foreign currency transferred in their favor from abroad.
The procedure does not apply to individual entrepreneurs (residents and non-residents). Individual entrepreneurs transfer foreign currency from the Russian Federation and receive the transferred foreign currency to the Russian Federation in accordance with the currency legislation only through current currency accounts opened with authorized banks.
The procedure does not apply to transfers by individuals of foreign currency from the Russian Federation and receipt by individuals of foreign currency transferred to the Russian Federation, if these transfers are related to the implementation entrepreneurial activity, investment activity or the acquisition of real estate rights.
Transfer from the Russian Federation and receipt in the Russian Federation of foreign currency in accordance with the Procedure is carried out through the operating unit of an authorized bank (branch of an authorized bank) (hereinafter referred to as " authorized bank").
2. The transfer of foreign currency from the Russian Federation and the receipt of the transferred foreign currency to the Russian Federation is carried out by an individual (his representative) upon presentation of a passport or other substitute document proving the identity of an individual (a residence permit in the Russian Federation - for foreign citizens and stateless persons, if they permanently reside on the territory of the Russian Federation, an identity card of a serviceman or a military ID - for servicemen of the Russian Federation), submission of an order (application), other documents in cases established by the Procedure, as well as a power of attorney when making or receiving a transfer by a representative .
3. The application for transfer from the Russian Federation and receipt of foreign currency transferred to the Russian Federation must specify:
Surname, name, patronymic, identity document (number, series, by whom and when issued) of the sender of the payment (when transferring from the Russian Federation);
Surname, name, patronymic and full address of the payee, identity document (number, series, by whom and when issued) of the payee (when transferring to the Russian Federation);
The amount of the transfer and the purpose of the transfer in accordance with the Procedure;
Date and signature of the individual.
In the order (application) for the transfer from the Russian Federation and the receipt of foreign currency transferred to the Russian Federation by an individual, an entry is made confirming that this transfer is not related to the implementation of entrepreneurial activities by the individual (for example, "the currency transaction being performed is not related to the implementation of entrepreneurial activities" ).
4. When an individual submits documents that do not meet the above requirements, as well as in case of refusal to provide the documents required in accordance with the Procedure, the authorized bank does not transfer (issue) foreign currency.
5. Foreign currency transferred to the Russian Federation in cases and subject to the conditions provided for by the Procedure, may be an authorized bank:
a) issued in cash;
b) credited to the transfer recipient's current currency account opened with an authorized bank.
6. When issuing a transfer in cash in foreign currency, the authorized bank issues to the transfer recipient a certificate f.0406007, issued in the manner established by the Bank of Russia, which is the basis for exporting cash foreign currency abroad.
At the same time, in the section "Received by the client" in line 7 "Amount (in words)" of the certificate f.0406007, the note "received by transfer from abroad" is made.
In case of receipt of a transferred foreign currency to the Russian Federation by a representative of an individual, a certificate f.0406007 is issued in the name of the person represented in the manner prescribed regulations Bank of Russia.
7. Foreign currency transferred to the Russian Federation shall be credited by the authorized bank to balance account 071 "Unpaid transfers from abroad".
If it is impossible to pay the transfer due to the lack of payment instruction correspondent bank or due to the non-appearance of the transfer recipient, the foreign currency transferred to the Russian Federation is returned by the authorized bank to the non-resident bank after 6 months from the date of crediting the foreign currency to the balance account 071 "Unpaid transfers from abroad".
8. Cash foreign currency can be transferred to the Russian Federation in favor of a non-resident individual without limiting the amount.
9. From the Russian Federation non-resident individual foreign currency can be transferred if the non-resident previously:
a) transferred foreign currency to the Russian Federation;
b) withdrew cash foreign currency from his current currency account opened with an authorized bank;
c) bought cash foreign currency in the domestic foreign exchange market the Russian Federation in the manner prescribed by the Bank of Russia;
d) imported cash foreign currency in compliance with the customs legislation of the Russian Federation;
e) received foreign currency from the sale of payment documents in foreign currency to an authorized bank in the manner established by the Bank of Russia.
10. When making a transfer of foreign currency in cash, one of the following documents must be submitted to an authorized bank:
a) certificate f.0406007, issued in the manner established by the Bank of Russia, which is the basis for the export of cash foreign currency abroad (in the cases specified in subparagraphs "a", "b", "c", "e" of paragraph 9 of the Procedure) ;
b) a document issued by the customs authority confirming the import by a non-resident individual of foreign currency in cash (in the case specified in subparagraph "d" of paragraph 9 of the Procedure).
The transfer of foreign currency from the Russian Federation in accordance with clause 9 of the Procedure is carried out within the amounts indicated in the document issued by the customs authority confirming the import of cash foreign currency by a non-resident individual, or in the certificate f.0406007.
11. Receipt by a resident individual of foreign currency transferred to the Russian Federation may be carried out when transferring foreign currency to the Russian Federation:
By a resident individual in his own name;
By a non-resident in the name of a resident individual;
By a resident individual in the name of another resident individual.
12. When an individual receives a foreign currency transferred to the Russian Federation that is not related to the implementation of entrepreneurial activities, as well as investment activities or the acquisition of rights to real estate, the application for receiving foreign currency must indicate the basis for the transfer (donation, repayment of debt under a loan agreement, etc.).
If, in accordance with the legislation, the conclusion of a transaction is required in writing, then upon receipt by an individual of foreign currency transferred to the Russian Federation, in addition to an application for receiving foreign currency, the relevant documents must be submitted.
13. In accordance with paragraph 6 of Article 6 of the Law of the Russian Federation "On Currency Regulation and Currency Control", resident individuals have the right to transfer, export and forward from the Russian Federation foreign currency previously transferred, imported or sent to the Russian Federation, subject to customs rules in within the limits specified in the declaration or other document confirming the transfer, import or transfer of foreign currency to the Russian Federation.
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Federal Law No. 28-FZ of February 27, 2003, from March 15, 2003, changed the procedure for exporting cash foreign currency from the Russian Federation, established by Articles 6 and 8 of the Law of the Russian Federation “On Currency Regulation and Currency Control” of October 9, 1992 N 3615- one . - Note "CODE".
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In accordance with paragraph 4 of paragraph "d" of Article XXX of the Articles of Agreement of the International Monetary Fund, a resident individual is entitled to make moderate amounts of private transfers for current expenses. Such a transfer should not be related to the implementation of entrepreneurial activities, as well as investment activities or the acquisition of rights to real estate. The transfer cannot exceed 2,000 US dollars or other foreign currency equivalent to this amount.
With such a transfer, a resident individual submits to the authorized bank a certificate f.0406007, which is the basis for exporting cash foreign currency abroad. The specified transfer can be made by a resident individual no more than once in one business day through an authorized bank (branch of an authorized bank).
14. Transfers from the Russian Federation and receipt in the Russian Federation of foreign currency for the purposes provided for in subclause 1.1.18, paragraph one of subclause 1.1.19, subclauses 1.1.21 -1.1.24, 1.3.1, 1.3.3 -1.3.5 and 1.3.8 -1.3.14 Regulations of the Bank of Russia dated April 24, 1996 N 39 “On the procedure for conducting certain types of foreign exchange transactions in the Russian Federation and on accounting and reporting on certain types of foreign exchange transactions”, put into effect by order of the Bank of Russia dated April 24 1996 N 02-94, with subsequent changes and additions, registered with the Ministry of Justice of the Russian Federation on May 16, 1996, reg. N 1087 (“Bulletin of the Bank of Russia” dated May 29, 1996 N 24, dated September 30, 1997 N 63, dated October 24, 2001 N 64) (hereinafter referred to as the Regulation), can be carried out by resident individuals through authorized banks without opening a current currency account.
For these purposes, a resident individual submits documents to the authorized bank in accordance with subparagraphs 8.1 and 8.2 of the Regulations and paragraphs 2 and 3 of the Procedure, as well as when transferring foreign currency from the Russian Federation, a document confirming the transfer, import of foreign currency into the Russian Federation, purchase of cash foreign currency in the domestic foreign exchange market of the Russian Federation, withdrawal of foreign currency from its foreign currency account opened with an authorized bank.
Transfers of individuals - residents of foreign currency from the Russian Federation to their accounts opened in foreign banks in the manner established by the Bank of Russia, and to the Russian Federation from these accounts, provided for in subparagraph 1.1.25 of the Regulations, can be carried out through authorized banks without opening a current currency account.
For these purposes, a resident individual submits to an authorized bank an application provided for in subparagraph 8.3 of the Regulation; an identity document of a natural person - a resident; when transferring foreign currency from the Russian Federation - a document confirming the transfer, importing foreign currency into the Russian Federation, purchasing foreign currency in cash on the domestic foreign exchange market of the Russian Federation, withdrawing foreign currency from one's foreign currency account opened with an authorized bank; as well as the document stipulated by subparagraph 3.2.3 of Instructions of the Bank of Russia dated August 29, 2001 N 100-I “On accounts of resident individuals in banks outside the Russian Federation”, registered with the Ministry of Justice of the Russian Federation on September 14, 2001, reg. N 2937 (“Bulletin of the Bank of Russia” dated September 19, 2001 N 57-58) (hereinafter referred to as the Instruction), if the account is opened in accordance with the Instruction.
(Clause as amended, put into effect on October 6, 2002 by Bank of Russia Directive No. 1188-U dated August 20, 2002
15. Powers of attorney submitted by individuals to receive transfers issued abroad must be executed in the prescribed manner.
A power of attorney issued on the territory of the Russian Federation shall be drawn up in accordance with the legislation of the Russian Federation.
16. Copies of documents submitted to the authorized bank in accordance with paragraph 12 of the Procedure must be certified in the prescribed manner.
In the cases established by the Procedure, the authorized bank must be provided with original documents issued by the customs authorities confirming the import of cash foreign currency by an individual, certificates f.
17. Translations of documents into Russian, submitted in accordance with the Procedure, must be certified in the prescribed manner.
18. Documents submitted by an individual to an authorized bank in the cases provided for by the Procedure are placed in cash documents day.
..
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The procedure for applying clause 18 was clarified by the letter of the Bank of Russia dated June 29, 1998 N 143-T.
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19. Documents submitted to the authorized bank must be kept in the bank for at least 5 years from the date of the transfer.
The paragraph has become invalid since October 6, 2002 - instruction of the Bank of Russia dated August 20, 2002 N 1188-U ..
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Title V ceased to have effect on January 1, 1998 on the basis of
order of the Bank of Russia dated October 24, 1997 N 02-469. -
See previous edition.
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23. Authorized banks keep records of currency transactions carried out by resident individuals specified in Section III of this Procedure.
24. The procedure for the formation, terms and form of reporting by authorized banks on foreign exchange transactions carried out by resident individuals specified in Section III of this Procedure are established by the Bank of Russia. since October 6, 2002, it is considered to be paragraph 25 of this edition - the instruction of the Bank of Russia dated August 20, 2002 N 1188-U.
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25. For violation of the Procedure, authorized banks are liable in accordance with Article 74 of the Federal Law “On the Central Bank of the Russian Federation (Bank of Russia)” (paragraph as amended, put into effect on October 6, 2002 by the Bank of Russia Directive of August 20, 2002 N 1188 -U.
First Deputy Chairman
Central Bank of the Russian Federation
S.V. Aleksashenko
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Appendix N 1 became invalid on January 1, 1998 on the basis of
. -
See previous edition.
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Revision of the document, taking into account
changes and additions
prepared by legal
Bureau "KODEKS"
| Document's name: | The procedure for making foreign currency transfers from the Russian Federation and to the Russian Federation without opening current currency accounts (as amended on August 20, 2002) |
| Document Number: | 508 |
| Type of document: | Letter from the Bank of Russia |
| Host body: | Bank of Russia |
| Status: | Inactive |
| Published: | Accounting and taxes N 6 - 1997 Business and banks, N 43, 1997 No. 63, 30.09.97 Bulletin of the Bank of Russia |
| Acceptance date: | August 27, 1997 |
| Effective start date: | September 30, 1997 |
| Expiration date: | June 18, 2004 |
| Revision date: | August 20, 2002 |
In his Everyday life Citizens often face the need to transfer money abroad. Parents send funds to their children studying at universities in other countries, and those who arrived in the country to work send money to their relatives. However, not all citizens are aware of how to carry out this operation quickly, conveniently, and most importantly - with a minimum commission.
There are two ways to send money to an individual through a bank: through opening a bank account and without carrying out this operation. Each of the methods has its own advantages and disadvantages, so it makes sense to dwell on each of them in more detail.
This method is relevant for those citizens who are constantly involved in the process of money transfers. This approach is also convenient for those who wish to make a one-time, but rather large transfer of funds. To perform this kind of operation, you need to perform the following steps:
Most often, the registration of an account for an individual is carried out Russian banks free or for a small fee. The account has an indefinite nature of action, however, if no transactions are made on it within 1 year, it is blocked.
In order to transfer funds from an account to an account of an individual located abroad, you will need to go to any branch of the servicing bank and fill out a document for transferring funds. It will need to indicate:
Many citizens mistakenly believe that when transferring money from account to account, the bank will notify the tax service about the operation, and the recipient will have to wait for the permission of the Federal Tax Service or pay a fee for the transfer. In real financial institutions disclose information about the accounts of their clients only at the request of law enforcement agencies.
Among the advantages of transferring funds abroad to an individual's account are the following aspects:
If a citizen needs to send a small amount of funds at a time, then it is best to use one of the money transfer systems. You can send money abroad through Unistream, Anelik, Western Union, Contact, which are special mechanisms supervised by financial corporations. The latter enter into agreements with banks from different countries, which act as intermediaries in the transfer of funds.
When choosing a suitable system for transferring money abroad, you should pay attention to two things:
All existing methods function in the same way, and, therefore, it makes no sense to pay more.
To transfer funds to an individual abroad, you should go to any bank that works with the selected system, with a passport and fill out an application for transferring funds, indicating your full name. recipient, country, city of residence and amount of funds. The bank gives the sender a unique code, which he must give to the recipient. It is on him that the latter will be able to take the money.
Transferring funds to a citizen without opening an account will cost more, but it is carried out instantly and is processed in a simpler way.
Despite the fact that banks keep the details of money transfers secret, the movement of amounts exceeding 600,000 rubles is monitored by the financial monitoring service. This is done with only one purpose: to stop money laundering abroad and other fraudulent transactions. This issue is discussed in detail in FZ-115. Most often, the sender will be forced to fill out a special document revealing the origin of this impressive amount of money.
The transfers themselves are regulated by Federal Law-161, which discloses:
In the Instruction of the Central Bank of the Russian Federation, regarding foreign transfers of individuals No. 1412, it is determined that the maximum transfer amount should not exceed $ 5,000 within one day.
Even knowing all the intricacies of sending money abroad, in order not to get into a difficult situation and not incur extra costs for paying commissions, it makes sense to take into account the following recommendations:
Thus, the transfer of funds abroad to an individual can be carried out through special systems or through bank accounts. At the same time, both in the first and in the second case, there are no permissions to perform operations from tax service should not be taken. The choice of method of transferring funds, in fact, is determined only by the amount transferred and the cost of the operation.
Every month the popularity of foreign currency in Russia is only increasing. And this is not at all surprising, as practice over the past 25 years shows, people who kept their savings in dollars have never failed.
True, there have been rumors lately that the circulation of the dollar in Russia may be banned. However, no serious legislative initiatives have been observed so far. In addition, Russian President Vladimir Putin recently stated that there are no plans to tighten currency regulation:
The liberal course is, of course, good. But do not forget that the official monetary unit in Russia is still the ruble. Therefore, there are some restrictions for transactions with dollars and euros.
This article will consider the main provisions of the legislation in the field of currency control, rules for making payments between residents and non-residents, as well as a mechanism for making currency transfers.
The main legal act regulating foreign exchange transactions is Law of the Russian Federation No. 173-FZ of December 10, 2003 "On currency regulation and currency control". The bodies of currency regulation in the Russian Federation are the Bank of Russia and the Government of the Russian Federation. And the agents of currency control are banks, as well as professional participants in the securities market.
Most citizens may get the impression that there are no foreign exchange controls at all in Russia. Indeed, the most popular currency transactions are buying and selling dollars and euros, as well as opening deposits in foreign currency. And it is precisely these operations that citizens of the Russian Federation are allowed to perform without restrictions (clause 3, article 9 of the Federal Law No. 173):
However, as soon as you want to make any non-cash transfers in foreign currency within the country or abroad, you will immediately encounter a lot of difficulties. You will be required to provide various supporting documents, complete payment order in English, besides, there are restrictions on the permitted amounts of transfers, and, in addition, the bank sets a rather serious commission for such operations.
The possibility of making currency transfers is affected by the residence of the participants in the transfers. About who is considered residents and non-residents, it is written in Article 1 federal law 173-FZ. In short, residents are citizens of the Russian Federation, or persons residing in the territory of the Russian Federation on the basis of a residence permit, as well as legal entities, created in the Russian Federation, and, in fact, the Russian Federation itself with all its subjects and municipalities:
1 Currency transfers between residents are prohibited.
An exception is the transfer of currency to the accounts of spouses, close relatives (in a direct ascending or descending line: parents, children, grandchildren), siblings, adoptive parents and adopted children. Moreover, there are no restrictions on the amount of such a transfer both within Russia and abroad. You will only need to provide the bank with a document confirming the relationship.
Residents can also make some other currency transactions. True, they mainly concern a very limited circle of people, so we will not dwell on them in detail. For example, operations related to settlements in duty-free shops are allowed; operations involving settlements and currency transfers for the implementation of diplomatic activities; transactions for payment and / or reimbursement of expenses associated with business trips outside the territory, etc.). You can read about such exceptions in Article 9 of the Law of the Russian Federation No. 173-FZ "On currency regulation and currency control" dated December 10, 2003.
2 You can transfer currency to your bank accounts (opened both on the territory of the Russian Federation and abroad) without restrictions.
True, if you transfer money to your account abroad, you need to provide the bank with a notification from the tax office at the place of residence that you informed her that you have such a foreign account.
3 Currency transactions between residents and non-residents are carried out without restrictions:
True, you will need to provide the bank with supporting or substantiating documents for the ongoing currency transaction:
Such documents include invoices, for example, for training, various contracts, invoices (a document issued by the seller to the buyer and containing the main characteristics of the goods supplied, delivery conditions, etc.), as well as documents confirming the non-residence of the recipient of the transfer. Moreover, you will need to translate these foreign documents into Russian. In other words, you need to provide the bank with the reasons for your transfer.
And now let's dwell on the mechanism of currency transfers in detail.
Currency transfers, by analogy with the ruble interbank, can also be made both directly at a bank branch and using Internet banking.
True, the commission for such transfers is in any case much higher than with the ruble bank transfer. And this is not surprising. Any currency transfer (both within the country and abroad) is carried out using the swift system (swift) through correspondent banks (banks on whose correspondent accounts our credit organizations keep their non-cash currency. For example, a correspondent bank " Tinkoff bank a" for dollars is JPMORGAN CHASE BANK, N.A. NEW YORK, NY US, while Sberbank uses the correspondent bank DEUTSHE BANK AG, Frankfurt AM MAIN for euros).
S.W.I.F.T. (SWIFT) is international system, which provides the transfer of financial data for transfers. Each bank participating in the SWIFT system has its own unique SWIFT number, thanks to which information is exchanged. The SWIFT code can consist of letters or letters and numbers. For example, SWIFT "Alfa Bank" looks like this: ALFARUMM.
You can find out the bank's SWIFT code directly at the bank itself or on its website. And also the SWIFT code of the bank can be viewed at website of the Russian National SWIFT Association. The amounts of transfers that can be made using SWIFT are limited only by the legislation of each particular country. The application for translation must be completed in English. Here is how the form for currency transfer online "Alfa Bank" looks like:
The Internet banking interface is intuitive. In the field “payment purpose” there should be an entry that clearly reflects the essence of your operation, for example, “For hotel / hotel rental” - “For hotel accommodation”; “Gifting to a relative” - “Gift in favor of relative”; “Transfer of own funds” (transfer is carried out to your own account) - “Transfer of own funds”. The most popular grounds for transfers and their translation into English can be viewed directly in the Internet bank Alfa of Alfa Click Bank:
With currency transfers, you should be careful, it is important to clarify whether the commission of correspondent banks is included in the transfer fee indicated by the bank. You always need to choose a tariff: "All expenses at the expense of the sending client (OUR)". If you select the function "Commission at the expense of the beneficiary (BEN)" or "Expenses of the bank at the expense of the sender, expenses of other banks at the expense of the beneficiary (SHA)", then this means that correspondent banks will charge an additional commission for the transfer, and as a result, up to the recipient will receive a smaller amount than you sent.
Typically, the commission amount is calculated as a percentage of the transfer amount, indicating the minimum and maximum amounts.
Very handy plate with the size of the commission when sending swift transfers online, you can look at one of the forums on the banki.ru portal. It will be more expensive to make a currency transfer at a bank branch:
As can be seen from the table, for small transfers, it is most profitable to use Avangard Bank - a commission of 0.2%, minimum 15 EUR and maximum 150 EUR. But for currency transfers of large amounts, you need to use Rosbank (there the commission is 1.3%, but the upper limit is limited to 65 EUR).
It is Avangard Bank that is most often used to build currency ladders with Tinkoff Bank (which gives a 1% bonus when replenishing a deposit with an interbank transfer). .
If you need to send currency to a specific person on a regular basis, you can issue additional card to your currency debit card(for example, in " Tinkoff Bank” or “Alfa Bank”) and simply give it to the person to whom you will send money. In this case, there will be no commission.
True, the bank can simply block the card, citing "doubtful transactions" or set such limits on transfers and replenishment of the card (under the agreement, Tinkoff Bank can change the limits at its discretion at any time) that it will be inconvenient to use the card.
You can also send a currency transfer abroad using the system of international currency transfers (Western Union, MoneyGram, Contact). The main advantages of this method of sending money are the absence of the need to open a bank account, as well as the speed of transfer.
True, the commission for such a service for far abroad countries will be higher (from 3%) than when transferring via SWIFT system. To neighboring countries, a currency transfer via Contact or Western Union will not be so expensive. Here, for example, are the tariffs of the Contact system:
As can be seen from the table, the transfer, for example, to Georgia of more than $2,000 will cost 0.5%.
The maximum transfer amount in accordance with Bank of Russia Ordinance No. 1412-U dated March 30, 2004 “On establishing the transfer amount by a resident individual from the Russian Federation without opening bank accounts” is $5,000 (or the equivalent in another currency) per day:
It is also worth noting that according to the Law “On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism”, the bank may refuse to carry out any operation for you, referring to the rules internal control(which they themselves develop), as well as the credit institution is obliged to require you to justify the origin of your funds. Details about new edition"anti-money laundering law" ( last changes entered into force not so long ago, 10/31/2015) read the article
The ability of an individual to make non-cash transfers in foreign currency directly depends on whether such a person is a resident of the Russian Federation for the purposes of currency regulation. In turn, citizens of the Russian Federation are recognized as residents, with the exception of those permanently residing or temporarily residing (on the basis of a work or study visa) in a foreign state for at least a year (subparagraph “a”, paragraph 6, part 1, article 1 of the Law of 10.12.2003 N 173-FZ).
Cases when non-cash transfers in foreign currency are allowed and prohibited
Transfers in foreign currency between residents and non-residents, as well as between non-residents, are carried out without restrictions (Article 6, Law N 173-FZ).
Transfers in foreign currency between residents are prohibited, except for established cases, including (clauses 12,, 17, part 1, article 9 of Law N 173-FZ):
Also, residents can make foreign currency transfers to their own bank accounts both in the Russian Federation and abroad. There are no restrictions on the amount in this case.
Non-cash transfers in foreign currency can be made both from an account opened with a bank and without opening such an account.
Cashless transfers from an account opened with a bank
When making a non-cash transfer in foreign currency from your account, you need to contact the bank where you have an account and submit certain documents.
So, you will need to present a document proving your identity and provide information about the recipient of the transfer (full name, name and details of the bank in which the recipient has an account, and the recipient's account number). In addition, you will need to submit documents that the bank may request from you for the purpose of exercising currency control, including (part 4 of article 12 of Law N 173-FZ; clause 1 of Directive of the Bank of Russia dated 07.20.2007 N 1868-U ):
1) when making a transfer for an amount exceeding USD 5,000 (or the equivalent at the exchange rate of the Bank of Russia on the date of debiting funds), information on confirmation of the recipient's currency accounting status (that the recipient is a non-resident). Banks independently determine in what form such information should be provided. This may be, for example, a copy of the passport of a citizen of a foreign state of the recipient or an indication of the non-residence of the recipient in the column "Purpose of payment" of the payment document;
2) when making a transfer to one's own bank account outside the territory of the Russian Federation, a notification submitted by a resident to the tax authority at the place of its registration on the opening of this account with a note tax authority about its acceptance. This notification shall be submitted only at the time of the first transfer. In the future, it is not required;
3) when making a transfer to your spouse or close relative - documents (copies thereof) confirming kinship, in particular a citizen's passport, birth or marriage certificates.
These documents are not required if you are making a transfer to your spouse or relative to his account opened with a bank outside the territory of the Russian Federation for an amount not exceeding USD 5,000 (or the equivalent at the exchange rate of the Bank of Russia on the date of debiting the funds).
Cashless transfers without opening an account
Non-cash transfers without opening an account to individuals are carried out through money transfer systems.
For their implementation, it is necessary to make sure that there are service points of the selected system in the country and city of the recipient's presence. money transfer. As a rule, service points are banks with which payment systems have a contractual relationship.
At the service point payment system you will need to present a document proving your identity and provide information about the recipient of the transfer (name of the recipient of the transfer, country, city). After depositing funds at the cash desk, you will be given a control code or other transfer identifier. This information will need to be transferred to the recipient of the transfer so that he can receive the funds.
A transfer without opening a bank account is carried out within a period of no more than three business days from the date of provision of cash for such a transfer (part 5 of article 5 of the Law of 27.06.2011 N 161-FZ).
When making a transfer from the Russian Federation without opening a bank account through an authorized bank, there is also a limit on the amount of the transfer. So, transfer within one business day through one bank cannot exceed the amount equivalent to 5,000 US dollars at the exchange rate of the Bank of Russia on the date of application for the transfer (clauses 5, 9, part 3, article 14 of Law N 173-FZ; Instruction of the Bank of Russia dated 30.03. 2004 N 1412-U).
Note!
With the introduction by a foreign state prohibitions in relation to payment systems whose operators are registered with the Bank of Russia, a cashless transfer without opening an account can be carried out from the Russian Federation to such a state if the payment system operators, payment infrastructure service providers, foreign organizations (except for foreign banks and credit organizations), on the basis of agreements with which the transfer is made, are under control Russian organizations ( part 1, 2 tbsp. 19.1 of Law N 161-FZ).
Features of electronic money transfer
A cashless transfer without opening a bank account is also possible when transferring electronic money (hereinafter referred to as EMF) using electronic payment systems (for example, WebMoney, Yandex.Money and Qiwi). At the same time, the requirements of the currency legislation of the Russian Federation (part 3 of article 5, part 24 of article 7 of Law N 161-FZ) apply to transfers of EMF in foreign currency.
Reference. Electronic money
Electronic funds are such funds that are previously provided by an individual to an EMF operator to fulfill their monetary obligations to third parties and in respect of which this individual has the right to transfer orders exclusively using electronic means of payment ( paragraph 18 of Art. 3 of Law N 161-FZ).
In this case, an individual can provide funds to the EMF operator with or without using a bank account. Also, funds in his favor can be provided to the EMF operator by organizations or individual entrepreneurs, if such an opportunity is provided for by the agreement between the individual and the EMF operator. In turn, the latter forms a record on the amount of funds provided to him (parts 2, 4, article 7 of Law N 161-FZ).
The transfer of EMF in favor of their recipients is usually carried out on the basis of an order of an individual - the payer, in individual cases- at the request of recipients of EMF. At the same time, payers and recipients of EMF can be clients of either one or several EMF operators (parts 7, 8, article 7 of Law N 161-FZ).
As a rule, the transfer is carried out by simultaneously accepting the payer's order by the EMF operator, reducing its EMF balance and increasing the recipient's EMF balance by the amount of the transfer. Transfer using a payment card specially designed for this is carried out within a period of no more than three working days after the EMF operator accepts the payer's order. More short term may be provided for by an agreement between the EMF operator and the payer or by the rules of the payment system. After that, the transfer of the EMF becomes irrevocable and the payer's monetary obligations to the recipient of the EMF are terminated (clause 26, article 3, part 10,,, 17, article 7 of Law N 161-FZ).
