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.
Fast transfers are 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 familiarize yourself with 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.
Bank using the Cyberplat system:
Money transfers are one of the most popular banking services worldwide. Transcapitalbank provides money transfer services Money in Russia and abroad:
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 transfersBeneficial:
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 gold Crown»
"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 to send money without opening an account quickly, safely and conveniently.
Advantages:
Modern transfers allow you to transfer money almost instantly to anywhere in the world. Moreover, for this you do not need to fill out a lot of documents and stand in long lines, because almost all major banks act as partners of certain transfer systems.
Today's Top 5 includes the fastest and most convenient money transfer systems. They are distinguished by an extensive network of distribution points, ease of registration, reliability and affordable rates.
Transfer via the UNISTREAM system can be sent from the payment terminal, sending point, from the account mobile phone, With bank card. And to receive it, it is enough to visit the UNISTREAM cash desk or the office of a partner bank with an identity document. To receive money, you will need to name the control code of the operation, the amount and currency of the transfer.
This fast money transfer system is over 135 years old. Western Union operates in more than 200 countries around the world. To send money, you will need to present a passport and indicate the city in which the recipient is located. To receive money, you will also need a passport and a transfer control code.
Funds can be received at any of the thousands of Western Union service points in the city or country of destination where the money was sent.
The scheme for sending and receiving transfers via the CONTACT system is standard; a passport is enough to complete the procedure. Depending on the country of destination, the transfer can be addressless (then it can be received at any service point) or targeted, when the money is issued at the cash desk at a specific address.
This year, for the impeccable quality of service and convenience, the CONTACT system was awarded the international business award in the USA - The Bizz 2013 Award.
This transfer system is a service from the Center for Financial Technologies group of companies. Transfers using the Golden Crown system have been operating since 2003 on the territory of the Russian Federation, as well as all neighboring countries.
You can send a transfer not only through a partner bank or service point, but also through Svyaznoy, MTS, TNK-BP, Euroset outlets. The transfer will be available to the recipient within a few seconds.
Tariffs for transfers through the system start from 0.5%. And for the convenience of those who often make transfers, a special a plastic card. The cardholder does not need to draw up documents for the transfer - it is enough to present the card and passport.
The system of fast transfers has been operating on the market since 2002 and is represented today in 27 countries of the world. Tariffs for the transfer of funds "start" from 30 rubles per operation. Funds can be conveniently transferred in rubles, US dollars or euros.
To make a transfer, it is enough to present a passport, as well as indicate the full name of the recipient of funds and the locality. To receive funds, you will need a passport and a transfer control number.
Very often in conversations the expression is used: “Money transfer systems such and such” or “Money transfer systems such and such”. What are money transfer systems, and what is it in general?
money transfer system, is an organizational structure that has developed rules for receiving and transferring funds between individuals, backing these rules with software and ensuring the transfer of information using electronic communications. Each money transfer system has its own clearing center, program support service and support for partners working with clients. Each money transfer system operating in the territory Russian Federation, as a rule, has its own corporate logo, and must have a license from the Central Bank of the Russian Federation to make money transfers.
Money transfer systems are divided into:
The implementation of cashless payments by individuals in the currency of the Russian Federation on the territory of the Russian Federation on bank accounts opened on the basis of a bank account agreement or without opening a bank account is regulated by the Regulation Central Bank RF dated 01.04.2003 N 222-P "On the procedure for making cashless payments by individuals in the Russian Federation", which was developed in accordance with part two of the Civil Code of the Russian Federation, the Federal Law "On banks and banking and other regulations.
Russia is a large country, there are a lot of banks in it, therefore there are a lot of money transfer systems offered by banks to the population. The most popular among the population are banking systems of money transfers (without opening an account), postal orders of the Russian Post and non-banking systems that cooperate with Banks and Russian Post.
At the beginning of 2012 alone, more than 30 different Russian and foreign money transfer systems were operating in the Russian Federation. Therefore, before each client who needs to transfer funds, the question arises which of the money transfer systems to choose. When choosing a money transfer system, each client seeks to combine such different requirements how:
Now I bring to your attention short description the most common and popular money transfer systems in Russia:
International not banking system Western Union money transfer is one of the largest and most widespread international money transfer systems in the world. The system has been operating in the money transfer market since 1851, that is, more than 160 years. The organizer of the money transfer system is the American Company WesternUnion (NYSE: WU). Western Union's global network includes more than 410,000 customer service points in more than 200 countries and territories around the world.
In Russia, this money transfer system has been operating since 1991, having opened a subsidiary company Nebankovskaya credit organisation"Western Union DP Vostok" (license of the Bank of Russia No. 2726-C). The head office of the subsidiary Western Union DP Vostok is located in Moscow. As of the end of 2009, the total number of Western Union customer service points in Russia is over 14,000, and continues to grow. Western system Union applies a flexible tariff policy.
On the territory of Russia, transfers are made without opening a bank account and without crediting to an account, from account to account via the Internet. Money transfers are paid only in cash:
The commission fee is deducted only from the sender of funds, and its amount depends on the transfer amount and currency. Tariffs also differ depending on the direction of the transfer. Thus, tariffs for translation and related services are divided into three types:
Since July 2008, the Western Union Transfer System has launched the Western Union Gold Card loyalty program in Russia for customers who repeatedly make money transfers. Such a loyalty system is already operating in 65 countries of the world and is based on the introduction of special cards - Western Union Cards (Western Union Gold Cards). This allows you to reduce the processing time of the transfer and the identification of regular customers in the database. Loyalty program - Western Union® Gold Card, is aimed at encouraging regular customers of the system by accruing bonuses.
The Western Union system works with such Banks of Russia as: Gazprombank, VTB 24, Bank of Moscow, Alfa-Bank, MDM-Bank, Bank24.ru, Baltiysky Bank, JSC KB " Eastern Express" and etc.
MoneyGram Partners in Europe are: financial structures like Royal Mail of Great Britain and Norway, Post of Italy, Bank of Ireland, Banco Popular Espanol, Kocbank, Finansbank and many others.
The system has been operating on the territory of the Russian Federation since 1996 and cooperates with such banks as: Sberbank of Russia, Rosbank, Raiffeisen Bank, Vostochny Express Bank, URALSIB Bank, Sviaz Bank, Rus Bank, etc.
Transfers are made without opening a bank account (in US dollars, Euros or local currency). The commission for the transfer is from 1%, depending on the amount and country of transfer. The MoneyGram system has the following limits on transferred amounts:
Sberbank of Russia has an extensive branch network and more than 10,000 branches accept and issue Blitz transfers throughout Russia. And more than 300 points in Kazakhstan, Ukraine and the Republic of Belarus. The disadvantage of the "Blitz" system of transfers is that transfers are made only within Sberbank and their subsidiaries.
The cost of a transfer within Russia is 1.75% of the transfer amount (not less than 150 rubles and not more than 3,000 rubles), which is charged only from the sender. The cost of sending a transfer abroad is 1% of the amount (at least 150 rubles / 5 US dollars, or 5 euros, depending on the transfer currency). The cost of paying out a transfer abroad is 1% of the amount. A very reliable system, processing transfers only with a passport or identity card.
Transfers are made without opening a bank account. The maximum amount of money transfer within Russia is 500,000 rubles. Outside Russia - total amount funds received within one day from one individual resident - no more than the equivalent of 5,000 US dollars, for non-residents 10,000 US dollars.
it modern system electronic money transfers of the Russian Post, which covers the entire territory of the Russian Federation and is intensively moving to the near and far abroad through the postal services of these countries. Transfers abroad are carried out by electronic exchange of transfers with foreign partners in the following countries: Ukraine, Kazakhstan, Belarus, Azerbaijan, Armenia, Kyrgyzstan, Latvia, Moldova, Uzbekistan, Estonia, China and France.
Only the money transfer system "CyberMoney" of the Russian Post guarantees the delivery of transfers to anywhere in the country. To deliver transfers to hard-to-reach areas of the country, the system uses hybrid technologies (a combination of electronic and traditional means of delivery).
Payment of the transfer, taking into account the provision of remote places with the necessary funds, is carried out within 72 hours. The maximum transfer amount in Russia is limited to 500,000 rubles, and abroad - 100,000 rubles. The cost of the service is withheld from the sender of funds, and its amount depends on the amount of the transfer. In addition, the cost of the service also depends on the region of departure. Individual regions have individual rates. The disadvantage of the system is the rather high price of the service.
The money transfer system of the Russian Post has an advantage - the ability to transfer funds between legal entities and individuals. Within the framework of this system, the project “tariff-free postal transfer” was also implemented for individuals making postal transfers to legal entities ( corporate clients). The cost of postal services for the implementation of such transfers is paid by themselves legal entities who have entered into an appropriate agreement with the Russian Post.
Maximum size transfer - 500,000 rubles, the cost depends on the amount sent, but not more than 2,000 rubles. Transfers are made only in rubles.
The term for making transfers declared by the Russian Post is a few minutes, the deadline is no more than 1 hour.
You can find out about the presence of an incoming postal order only by visiting the post office, while the postal notification can be delivered much later.
The coverage of the money transfer system is more than 250,000 service points in 100 countries of the world. This money transfer system controls over 30% of the CIS market and has an extensive network of points in Russia and Kazakhstan, Ukraine, Tajikistan, Moldova, as well as its own service networks in Cyprus and the UK. Using the UNISTREAM system, you can make targeted and non-addressed money transfers
The cost of Unistream transfer in Russia is from 1% to 1.5%. Interest on transfers to foreign countries generally start at 1%. Thus, the cost of transfers at 0.35% is carried out to Armenia, at 0.5% - to Moldova.
On the territory of Russia, transfers using the UNISTREAM system can be made: from a mobile phone account, through UNISTREAM self-service terminals, through the purchase of UNISTREAM MONEY in the Svyaznoy chain of stores.
The "Contact" money transfer system has more than 40,000 points in 90 countries of the world, more than 3,500 customer service points in Russia. Transfers are made in Russian rubles, US dollars and euros. On the territory of Russia, the maximum amount of money transfer is 500,000 rubles, to neighboring countries - 350,000 rubles, 10,000 US dollars / Euro, and far abroad citizens of Russia can transfer foreign currency and Russian rubles in the equivalent of no more than 5,000 US dollars in one day, for foreign citizens this limitation does not apply.
The system allows you to:
The transfer fee varies from 0.7 to 5% depending on the amount, currency and country of transfer. Thus, the commission for transfers within Russia is 1.5% of the amount, to neighboring countries - 2%, and for senders of large transfer amounts - less than 1%.
Since December 2009, the CONTACT system has introduced SMS-informing customers around the world. Banks such as GLOBEXBANK, Omsk-Bank, Vozrozhdeniye Bank, Tver City Bank, etc. work with the Contact money transfer system in Russia.
The network of points of the system covers 11 republics of the former union. The "Zolotaya Korona - Money Transfers" system unites 180 banks, and the total number of points exceeds 15,000 and continues to grow. The system cooperates with such banks as: OJSC "Uralsib", LLC "Moscow Regional Bank", OJSC AKB "Perminvestbank", "CHELYABINVESTBANK", OJSC CB "Vostochny" and others.
The cost of a transfer within Russia is 1.5% of the transfer amount, to the CIS countries - from 1.5% to 3% of the transfer amount and country, to China - 25 US dollars, regardless of the transferred amount. The maximum transfer amount within Russia is 500,000 rubles, abroad for residents of the Russian Federation - up to 5,000 US dollars, abroad for non-residents of the Russian Federation - up to 20,000 US dollars.
CFT is actively implementing integration projects with other money transfer systems. For example, integration projects with MoneyGram (USA), Anelik (Russia), PrivatMoney (Ukraine-Russia), Caspian Money Transfer (Azerbaijan) and AVERS (Ukraine) systems have been implemented.
The total available network of the ALLURE system is more than 5,500 offices, including more than 650 partner credit institutions located in more than 300 settlements in Russia. Signed and running affiliate program with PrivatMoney money transfer system. All this makes money transfers available in Israel, Tajikistan, Uzbekistan, Kyrgyzstan, Moldova, Georgia, Armenia and Azerbaijan, Ukraine, Belarus and Latvia.
The amount of money transfer in Russian rubles is limited to 600.000-00 rubles, in foreign currency- USD 15.000-00 and EUR 15.000 (subject to restrictions under current currency legislation for residents of the Russian Federation - no more than the amount equivalent to 5.000-00 US dollars in one business day). The ALLURE Money Transfer System has unified fixed tariffs only for sending a transfer, and its amount depends on the transfer amount and currency.
Clients of the LEADER system can also take advantage of the possibility of crediting money to the bank account of the recipient of the transfer, for which the sender needs to clarify with the operator the possibility of this operation in accordance with the legislation of the recipient's country.
The service for transferring funds through the LEADER system is offered by the following banks: Industrial Credit Bank, Agroprombank CJSC, CB Transportny, JSCB Investbank JSC, JSCB Gazprombank CJSC, Credit-Dnepr Bank (Ukraine), Finance and Credit Bank (Ukraine) , OJSC VIP-Bank, CJSC CB Miraf-Bank, Asia UniversamBank (Kyrgyz Republic), etc.
The system is used by such Russian banks as: Bank24.ru, Khanty-Mansiysk Bank, ROSGOSSTRAKH BANK, JSC "GUTA-BANK", SMP Bank and others. Such banks of the CIS countries as Agroprombank (Pridnestrovie), Belagroprombank (Belarus), Ipak Yuli Bank (Uzbekistan) have joined the MIGOM money transfer system, Savings bank(Ukraine), PrivatBank (Ukraine), Belpromstroybank (Belarus), Savings Bank (Pridnestrovie), Tajik Orienbank, etc.
Tariffs for transfers of the MIGOM system (MIGOM) start from 2%;
One of the advantages of the MIGOM money transfer system is that when sending a transfer, you can get a printout of the list of addresses of MIGOM points in the receiving city from the operator serving you. And yet, the transfer to the Recipient will be issued only in the currency in which it was sent by the Sender.
Instant money transfers to relatives and friends are especially popular all over the world.
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Numerous systems of fast international money transfers and those that operate predominantly are ready to provide services for a commission, the amount of which will depend on the amount transferred and the destination.
Transfers are made in about 10-20 minutes, very rarely money is received within an hour.
There are about 20 most popular domestic and foreign systems in Russia. Almost all make transfers within Russia and. Only a few work to transfer funds within Russia and to nearby countries.
Faced with the need to make a transfer, it is better for a potential client to analyze the operation of several systems in order to understand where he will pay the least commission.
Fast sending of finances is carried out without opening a bank or other account.
The main conditions are the minimum quantity required documents and data to send and receive.
In some cases, the personal data of the sender and recipient, city and country are required, in others - the numbers of their cards, mobile phones.
It all depends on the method of sending and receiving, as well as the conditions that are put forward by the transfer system.
According to the legislation of the Russian Federation:
As a rule, the systems themselves limit the amounts that can be sent within Russia and abroad.
You can send funds within Russia to national currency, and abroad in the national equivalent and foreign. The funds are issued to the recipient in the currency of the country where the transfer was sent.
But in some systems, the conditions provide for sending and issuing only in foreign or national Russia.
From Russia, the currency can be sent to countries where there are representations of one or another transfer system.
Various additional free services, for example, sending SMS to the recipient and others.
The commission is charged only from the sender, the recipient is given the full amount.
In addition to international money transfer systems, all Russian banks offer to quickly send funds, each of them has developed 2-3 programs.
Offers from mobile operators also allow subscribers to send funds to each other or to cards from a personal phone account.
In addition to the most popular systems within the country are the following services:
But with their help, you can also make transfers abroad. The popularity of the system was gained due to the small commissions charged for services within the country.
For convenience, customers in the territory of the Russian Federation can contact numerous bank branches and points.
All work in many countries, therefore, except for Russia, it is convenient to send transfers abroad.
To send funds within Russia, it must be taken into account that commission fees are usually higher.
That's why international systems fast transfers are beneficial to use for sending money to other countries.
At financial institutions offering such services, numerous offices are located in many countries of the world.
There are various ways to transfer money:
In Sberbank, fast money transfers across Russia using the system are considered the cheapest. You can also send money to the countries of the Near Abroad.
In Russia, a maximum of 500 thousand rubles is allowed, and abroad 5 thousand US dollars for Russians and 10 thousand for non-residents.
Transfers within Russia cost 1.5% of the amount, and abroad - 1%, but the commission should be within 150–1000 rubles, respectively. and 3 thousand rubles.
You can receive money only in one of the branches of Sberbank. Funds arrive within 10-60 minutes.
It is the most common in the world, it can be used in 200 countries. Funds arrive instantly.
Sending can be done in a bank that is a partner or in an official representative office. Sending is carried out after filling out the letterhead, the sender is given a secret code, which he tells the recipient.
Commissions are the largest, they can reach 2-10% of the amount of transfer abroad, but their size depends on the direction of sending and the recipient country.
In Russia, the cost of translation can be 1–5%. Transfer can be made only in US dollars and rubles.
Points of sending and receiving money are located in Russia, neighboring countries and beyond. The transfer can be received in 10 minutes at one of the official representative offices of the company or at a branch of a partner bank.
Transfers within Russia and to the countries of the Near Abroad cost 1%, and to far-flung countries 2%.
Clients can send money in one currency, and the amount can be issued to the recipient at will in another.
To send funds from a card of any issuing bank, the company offers to use the official website, the recipient will also receive money at Unistream or banks.
From the card, you can make a maximum addressless transfer in the amount of 100 thousand rubles. or equivalent.
It is allowed to make 3 transfers from one card during the day.
Transfers are made in four currencies:
The domestic system of fast transfers is considered the cheapest and most common in Russia; it can be called the second most popular after Western Union.
Sending and receiving funds is carried out in the official points of the system, as well as in almost every bank in Russia.
For ruble transfers in Russia, you need to pay 1.5%, and abroad 2-3%.
Transfers are made in three currencies:
In Russia, you can send a maximum of 500 thousand rubles. per day, to the CIS countries - 350 thousand rubles. or 10 thousand in foreign currency, for non-CIS countries there are restrictions of 5 thousand US dollars / euros. But the restrictions do not apply to non-residents of Russia.
According to the terms of Contact, funds can be issued to the recipient in cash or credited to a card / current account.
In addition to the Contact points, the sender can independently make a transfer using a mobile phone through mobile partner operators, system terminals, from his card to the recipient's card through an online service.
Collaborates with banks outlets, mobile operators and other organizations, so you can make a shipment in any region of Russia.
When applying, an application is filled out, where the city and country are indicated, and the money can be received at any point where the service is provided.
Commissions are 0.5-1.5% and depend on the beneficiary country.
You can receive or send a transfer at the offices of the system, partner banks, in Euroset or Svyaznoy stores. To send, you need to fill out a letterhead.
Commissions are considered quite expensive. Funds can be issued to the recipient in 10 minutes.
By the system of express transfers, money can be received in 5 minutes.
Sending is carried out at the points of the system or at the branches of partner banks, and receiving only at the point indicated as the destination. The opportunity to use Anelik's translation services is provided in almost 100 countries of the world.
Ruble transfers within Russia cost 1.5%, and in foreign currency abroad 3%.
The system covers 130 countries, funds can be received instantly.
The size of the commission depends on the method of sending and destination, it varies between 1-4%.
It completely covers the territory of Russia, neighboring countries and far abroad. In Russia, you can send 500 thousand rubles, and abroad - 100 thousand rubles. or equivalent.
Transfer fees are considered high. You can transfer money to an individual or legal.
In order to transfer money quickly at one of the points or branch of the partner bank of money transfer systems, you must appear in person and present an identity document.
To send, fill out an application form, it indicates:
If you specify only the country, then the recipient will be able to receive money at any point where the system services are provided.
After the paperwork is completed, the sender is given a control number, which he informs the recipient.
If the sender chooses the method of sending money using Internet banking, a terminal, from a mobile phone or from card to card, you can do it yourself. In this case, a passport will not be required, and the recipient will receive the funds on the card / account or he will receive the standard way in one of the representative offices of the system.
