Russian money transfer systems. Money transfers - golden crown - online transfers. Money transfer systems

Probably, each person faced a problem when it is necessary to urgently send money to another city or country. Parents send transfers to their children studying at universities, someone sends money to needy relatives, and those who have gone to work in big cities send their salaries to their families. Sravni.ru will tell you about different types money transfers: from the simplest and most convenient to the most profitable.

Postal transfers

The most famous and oldest way to transfer money in Russia is a postal order. Now the Russian Post offers its customers several options for sending funds to anywhere in the world using the CyberMoney service:
- acceptance of a transfer from the sender in cash - payment of the transfer to the recipient in cash;
- receiving a translation Money from the sender to the settlement account of the Russian Post divisions - payment of the transfer to the recipient in cash;
- acceptance from the sender in cash - payment to the recipient's settlement account.

The tariffs of the CyberMoney system are quite high: for transfers within Russia they range from 1 before 5% + one-time payment for the transfer, and the cost of transfer abroad is 1-8% + one-time transfer fee. It should be noted that the larger the transfer amount, the lower the percentage charged for services, but the larger the lump sum payment. The latter can range from 25 before 535 rub. For example, to convert an amount to 10 thousand roubles. in Russia, the cost of services will be 235 rub. + 2% from the transfer amount - total 435 rub.

Among the advantages of this system, it is worth noting its availability for customers even in the most remote corners of our country. The main disadvantage is the speed of money transfer: from 2 before 10 days.

For an urgent transfer, the Russian Post offers the Fast and the Furious service, which allows you to send money in an hour. So far, this system serves only the territory of Russia. Rates are higher here: from 1,7 before 10% , and only residents of large cities can take advantage of this offer.

Express transfers

Transfers via Western Union, MoneyGram, UNIStream, Аnelik and others are now gaining more and more popularity. The main advantage of these operators is that the transfer is carried out very quickly and the recipient can receive money in a few minutes. The main disadvantage can be called: high tariffs and limited geography. True, express transfer systems are quite successfully fighting the latter factor, actively cooperating with banks. Now in many branches of Russian banks there are branches of one system or another.

The most famous express transfer system is Western Union. For the translation across Russia of the same 10 thousand roubles. have to pay 225 rub., which is certainly less than that of CyberMoney, but still 2,25% from the payment amount. Western Union interacts with leading Russian banks, including Sberbank, as well as with the Russian Post, which undoubtedly makes this system one of the most attractive for customers.

UNIStream is considered to be one of the cheapest express money transfer systems. The cost of sending money through this system ranges from 1-1,5% from the transfer amount.

Transfers from card to card

A good alternative to regular money transfers without opening bank account today there are transfers “from card to card” through ATMs, self-service terminal devices and banks. Naturally, such transfers are most profitable when the sender and recipient have cards issued by the same bank. As a rule, in such cases, the commission for the transfer of funds is not charged.

If the cards are issued different banks, the transaction fee is 1-2% of the transferred amount and deducted from the sender's account. This service is offered by some other institutions. So far, it is not very well developed in our country. , for example, makes transfers only to "their" cards. It should also be noted that it is impossible to transfer money from card to card if they do not belong to the same payment system. That is, funds can be sent from Visa cards only to a Visa card, and, accordingly, transfers from MasterCard can only be made to a MasterCard card. There are other restrictions as well. For example, in Alfa-Bank the amount of one transfer cannot exceed 15 thousand rubles, and the maximum amount of all such transactions per month should not exceed 75 thousand roubles.

Internet transfers

This is a relatively new type of translation. As a rule, it is tied to one of the express transfer systems (Western Union, MoneyGram, Аnelik and others) and to the Internet service of a bank. Tariffs for service correspond, as a rule, to the rates of these systems, and the transferred funds are debited from the sender's account. However, there are other options to make a transfer via the Internet. True, we can make a reservation in advance that this method is perhaps the most expensive. It is a translation electronic money: WebMoney, Yandex money, RBC.Money and others. Making such a transfer is quite simple by transferring funds from one wallet to another. But at the same time, the commission will have to be paid first for the transfer, and then for the transfer of this money into cash or bank card. As a result, the cost of such a translation can be equal to 10-15% from its amount.

Bank transfers

Undoubtedly, bank transfer from account to account remains the most reliable way to send money. However, it is not always possible to do so. It is necessary that the sender and the recipient have open accounts, but not everyone has them. It is advisable to have accounts in the same bank. Otherwise, the commission for such a transfer is no less than for express transfers. It should be noted that some Russian banks(Sberbank, and others) make transfers without opening a bank account. However, such transfers do not differ in cheapness, tariffs range from 1,5 before 10% , and besides, the speed of transferring funds also leaves much to be desired, funds can reach the recipient in at least 1 day.

Situations in life are different. Each type of money transfer has its own advantages and disadvantages. Sometimes you need speed, someone appreciates convenience, someone needs anonymity, and someone is attracted by a low price. In this segment financial services there is a good choice and, as always, it is yours.

Visits to any organizations are usually regulated by their mode of operation and take energy. Use an alternative method of money transfers available around the clock from the Zolotaya Korona payment services system - send funds online. Thus, you can quickly make an online money transfer from a card issued by a bank in Russia*, Belarus** or Kazakhstan***, at any time of the day or night, on weekends and on weekends. holidays. it convenient option to make money transfers without commission**** and without specifying a specific address of the recipient. And not only on the site. If you often transfer money and are interested in having this service always at hand, install the Golden Crown - Money Transfers (6+) mobile application on your phone. Do not forget about the useful functionality of the online format: the consolidated history of all transactions (on the website - in the Personal Account) allows you to check the status of the transfer at any time and quickly repeat one of the previous ones. As a rule, the funds sent are ready for withdrawal immediately after the transaction is completed. The recipient can receive the transfer online* or go to a convenient service point.

We will answer your questions

• Where can I get a transfer sent to me?

  You can get a translation. Before visiting the point of receipt of the transfer selected on the website, we recommend that you check in advance the opening hours of this point by the specified phone number of the bank or trade network. Information on the addresses of points for receiving transfers "Zolotaya Korona" can be found on the website.
  

• How long will it take for the recipient to receive the transfer?

  Money usually arrives instantly or the next business day, and if the payment is made on a weekend or holiday, up to two business days.
  

• In what currency can I send a transfer?
• How much is the transfer fee?

  To find out the fee for sending a transfer, select the country, currency and amount to receive on the page.
  When choosing a receiving currency other than the sending currency, no commission is charged in excess of the transfer amount.
  Additionally, a fee may be charged by the bank that issued your card. To clarify the information, you need to contact your bank with a question whether the bank charges a fee for the “transfer from card to card” operation on a third-party site.

• What will be the exchange rate when converting the transfer to another currency?
• How can I change the recipient's data after sending a money transfer?

  Before the transfer is issued to the recipient, you can change the recipient's data. For this:

  1. Go to the page and click the link in the upper right corner;
  2. In the translation history, select the translation you want to make changes to and click the "Edit" button;
  3. Make changes to the data of the recipient of the transfer and click the "Next" button;
  4. Enter the full number of your card with which the transfer was paid, and click the "Next" button. Entering the card number will allow you to additionally check that the sender of the transfer and the person who makes the changes are the same person.
  5. Enter the one-time code that you will receive via SMS and click the "Change" button.
• How to return the transfer?

  Until the transfer is issued to the recipient, you can cancel the transfer and return the money to the card from which the transfer was paid (except for the commission, if any). For this:
  On the site, on the page:

  • Click the "Login" link in the upper right corner;
  • Enter number mobile phone, which you specified when sending the transfer, and click the "Get password" button;
  • Enter the password that you will receive in SMS and click the "Login" button;
  • In the history of transfers, select the transfer you want to return and click the "Return" button;
  • Enter the one-time code that you will receive in SMS and click the "Return transfer" button.
  • AT mobile application:
    • In the history of transfers, select the one you want to cancel and click "Revert" or swipe the transfer from right to left;
    • Enter the confirmation code that will come in an SMS message to the specified phone number, and click "Return transfer".
• The list does not contain the desired country where I want to send the transfer, can I specify the direction I need myself?

  The absence of the desired country in the list means that at the moment there are no money transfers "Zolotaya Korona" to this country.

• Is there a limit on sending a transfer when using a card issued by a Russian bank?

  ​​​​

  • The amount of all transfers for 1 calendar day is 5,000 US dollars or the equivalent in another currency;
  • The amount of all transfers for 30 calendar days is 1,000,000 rubles or the equivalent in foreign currency;
  • The amount of all transfers for 60 calendar days is 1,500,000 rubles or the equivalent in foreign currency;
  • The amount of all transfers for 90 calendar days is 2,000,000 rubles or the equivalent in foreign currency.
• Is there a limit on sending a transfer when using a card issued by the Bank of the Republic of Belarus?

  The following limits are set for sending Zolotaya Korona money transfers:

  • The maximum amount of one transfer cannot exceed 1,000 US dollars or the equivalent in another currency;
  • The maximum amount of five transfers within 1 calendar day cannot exceed 2,500 US dollars or the equivalent in another currency;
  • The maximum amount of twenty transfers within 7 calendar days cannot exceed 9,000 US dollars or the equivalent in another currency;
  • The maximum amount of forty transfers within 30 calendar days cannot exceed 15,000 US dollars or the equivalent in another currency.
• Is there a limit on sending a transfer when using a card issued by a bank of the Republic of Kazakhstan?

  The following limits are set for sending Zolotaya Korona money transfers:

  • The minimum amount of one transfer is 5,000 tenge or equivalent in another currency;
  • The maximum amount of one transfer is 2,500 US dollars or the equivalent in another currency;
  • The maximum amount of two transfers in 1 calendar day is 5,000 US dollars or the equivalent in another currency;
  • The maximum amount of three transfers in 7 calendar days is 7,500 US dollars or the equivalent in another currency;
  • The maximum amount of 10 transfers in 30 calendar days is 15,000 US dollars or the equivalent in foreign currency.
• How to enter your personal account?

Bank using the Cyberplat system:

• Housing and communal services
• Mosenergosbyt
• Rostelecom
• Mobile communications (MTS, Beeline, Megafon, Skylink, GlobalSim, etc.)
• Internet and IP-telephony (Corbina, Stream, ROL, Golden WiFi, Arktel, etc.)
• Television (NTV+, Kosmos TV, Akado, etc.)
• Security systems (Caesar Satellite, Gulf Stream, Legion, etc.)

Translations

Money transfers are one of the most popular banking services worldwide. Transcapitalbank provides money transfer services in Russia and abroad:

• from an open bank account

• using the Western Union system

  Western Union is a world leader in the money transfer industry with over 140 years of experience, as well as an extensive and developed network for making money transfers, with more than 500,000 branches in more than 200 countries and territories of the world. In Russia, the network of Western Union® service points has more than 20,000 branches for convenient transfers

  Advantages of Western Union

  Beneficial:

  • rates for sending money transfers in Russia - from 1%*
  • to CIS countries and Georgia – from 1%*
  • rates for sending money transfers To China- 1000 rubles. for any transfer from 75,000 rubles. or $41 from $3,000*
  • to other countries - from 250 rubles / 10 US dollars *

  Fast: Money can be received a few minutes after they are sent.

  Comfortable: Cash withdrawal is available at over 500,000 Western Union branches worldwide.

  According to the terms of service, it is necessary to take into account certain requirements regarding the transfer amount, destination country, currency, legislation, personal identification, service point opening hours, time zone difference, or other applicable restrictions. In accordance with the terms of the service, the payment of transfers may be delayed or the services may not be available due to the peculiarities of the provision of services, including the specific amount of the transfer, country of destination, availability of currency, applicable law, identification requirements, opening hours of the payout point, time difference between time zones, deferred payment terms, or other applicable restrictions. Please visit www.westernunion.ru for more information.”

• through money transfers "Zolotaya Korona"

  "Zolotaya Korona - Money Transfers" is a service for fast non-address delivery of funds on the territory of Russia, countries of near and far abroad. The service allows individuals send money without opening an account quickly, safely and conveniently.

  Advantages:

  • convenience– more than 60,000 service points in the branches of banks and retail chains Euroset, MTS, Beeline, MegaFon and others;
  • speed– money transfer can be received in a few minutes after sending;
  • unaddressed- it is enough to indicate only the country and locality where the transfer is sent. The recipient himself chooses the point of issue of the transfer that is most convenient for him;
  • control– you can check the status of the transfer around the clock online on the website of the Golden Crown - Money Transfers service or in the free mobile application Money Transfers (6+, available for download in the AppStore and Google Play);
  • availability– low tariffs from 0% to all destinations. Transfer currency - rubles, US dollars, euros, as well as national currencies *.

There are situations when you need to urgently transfer money. Today, several systems of instant money transfers at once provide the opportunity to send funds to any city where there is a representative office of the service.

Fast is very convenient, because you do not need to open a current account. The transaction is carried out only on the sender's passport, while the recipient will need to present a passport and name a secret code that can be told to him by phone. In a maximum of an hour, the money will already enter the system, after which it will be possible to receive it. Organizations involved in such operations have a very wide network of representative offices.

Where is the best place to go?

Quick transfers carried out not only by the Russian Post. Today appeared a large number companies that allow you to receive money in a few minutes. The transfer fee will be a commission of approximately 1-6% of the amount in different organizations. Before sending a transfer, you need to read the terms and conditions in order to choose the most advantageous option for you. The largest services today are the following:

One of the main advantages is that the transfer of money is paid only by the sender, while the recipient can collect the full amount. If your friend or relative needs urgent financial aid, you will be able to transfer the necessary funds to him in full in as soon as possible. The system of sending and receiving funds without opening an account is gaining popularity, and thousands of people use it every day.