Money transfer commission. Money transfers abroad: fast and profitable options for sending funds to individuals and legal entities

Instructions

Money transfer systems in Russia are represented by organizations that act as a kind of financial intermediary and offer the population the opportunity to transfer Money through a bank, but without opening an account, according to a simplified scheme. Today, money transfer systems in the Russian Federation are represented by a number of large companies with a solid reputation and a huge number of service points located both in the Russian Federation and the CIS, and around the world.

The Anelik money transfer system is one of the first companies to take a strong position in this segment of the Russian market. Anelik has several tens of thousands of offices operating in 93 countries. Money transfers are accepted both in rubles and in foreign currency, the transfer speed depends on the selected tariff and can range from five minutes to a day.

The Western Union system is a reputable American company whose activities began more than a century and a half ago, and in the early 90s of the last century it firmly established itself in Russia. More than 400 thousand service points of this system are located in 200 countries around the world. In addition to domestic banks, Russian Post also works with this system.

Another American company that is popular in the Russian Federation and carries out money transfers in 10 minutes to anywhere in the world is MoneyGram. The system not only has favorable rates service, but also provides a convenient currency conversion service: if one type of currency was sent, the recipient can be issued another at the rate valid at the time of receipt.

The Contact money system has been operating on the Russian market for more than 10 years and provides its services in 80 countries around the world. In addition to traditional methods of transferring and receiving money, the system allows you to bank cards or credit the transferred money to the recipient's bank account.

One of the fairly young Russian monetary systems is the “Golden Crown”. The system is characterized by low commissions, speed of transfer and the absence of the need to indicate the address of a specific service point where the recipient will pick up cash. The system's network includes more than 30 thousand offices and continues to expand.

The youngest money transfer system established by Sberbank of Russia is “Hummingbird”, the original name of which was “Blitz”. Service points are located in major Russian cities and in regional centers where the population is more than 20,000 people. Money transfers are carried out only within Russia and those CIS countries where Sberbank has representative offices: Ukraine, Kazakhstan, Belarus.

Very often in conversations the expression is used: “Money transfer systems are such and such” or “Money transfer systems are such and such.” What are money transfer systems, and what is it all about?

Money transfer system, This organizational structure, which developed the rules for the acceptance and transfer of funds between individuals, and reinforced these rules 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 carry out money transfers.

Funds transfer systems are divided into:

1. banking;
2. not banking
3. mixed - banking and non-banking

1. Implementation of non-cash payments by individuals on a current account.
2. Carrying out operations to transfer funds on behalf of individuals without opening a bank account.
3. Mixed payments - in which, on the one hand, withdrawal/credit to the account, and on the other hand, issuance/sending without opening an account

The implementation of non-cash 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 Regulations of the Central Bank of the Russian Federation dated April 1, 2003 N 222-P “On the procedure for making non-cash payments by individuals persons 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 Activities" and other regulations.

Russia is a large country, there are a lot of banks in it, therefore there are many money transfer systems offered by banks to the population. The most popular among the population are banking money transfer systems (without opening an account), postal transfers 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 operate on the territory of the Russian Federation. Therefore, every client who needs to transfer funds is faced with the question of which money transfer system to choose. When choosing a money transfer system, each client strives to combine such different requirements as:

1. The price and quality of the service provided;
2. Speed ​​and geography of service provision;
3. Transfer currencies.

Now I will bring to your attention short description the most common and popular money transfer systems in Russia:

International money transfer system Western Union

The international non-bank money transfer system Western Union 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 Western Union (NYSE: WU). Western Union's global network includes more than 410,000 customer service locations in more than 200 countries and territories.

In Russia, this money transfer system has been operating since 1991, having opened a subsidiary company, LLC Nebankovskaya credit organisation"Western Union DP Vostok" (Bank of Russia license No. 2726-C). The head office of the subsidiary company 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 was over 14,000, and continues to grow. The Western Union system applies a flexible tariff policy.

Within Russia, transfers are made without opening a bank account and without crediting the account, from account to account via the Internet. Money transfers are paid only in cash:

• For transfers within Russia - in Russian rubles.
• For transfers to/from countries near and far abroad - in US dollars or Russian rubles (with conversion into the currency of the country of receipt of the transfer).
• For transfers from non-CIS countries, through Russian Post - only in Russian rubles.

The commission is deducted only from the sender of the funds, and its size 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:

• In Russia;
• To neighboring countries;
• To far abroad countries.

Since July 2008, the Western Union Transfer System has launched the Western Union Gold Card loyalty program in Russia for clients who repeatedly make money transfers. This loyalty system already operates in 65 countries around the world and is based on the introduction of special cards - Western Union Cards (Western Union Gold Cards). This allows you to reduce the translation processing time and identify regular customers from the database. Loyalty program - Gold card Western Union® is aimed at rewarding regular customers of the system with bonuses.

The "Western Union" system works with such Banks of Russia as: Gazprombank, VTB 24, Bank of Moscow, Alfa-Bank, MDM-Bank, Bank24.ru, Baltic Bank, OJSC CB "Orient Express", etc.

International money transfer system MoneyGram

MoneyGram's partners in Europe include such financial institutions as the Royal Mail of Great Britain and Norway, Italian Post, Bank of Ireland, Banco Popular Espanol, Kocbank, Finansbank and many others.

On the territory of the Russian Federation, the system has been operating since 1996 and cooperates with such banks as: Sberbank of Russia, Rosbank, RaiffeisenBank, Orient Express Bank, URALSIB Bank, Svyaz Bank, Rus Bank, etc.

Transfers are made without opening a bank account (in US dollars, Euros or local currency). The transfer fee ranges from 1% depending on the amount and country of transfer. The MoneyGram system has the following restrictions on transferred amounts:

• Up to 5,000 US dollars per day when transferring abroad (for residents of the Russian Federation, in accordance with the legislation of the Russian Federation).
• For non-residents the company has set a limit of 10,000 US dollars per day.

BLITZ money transfer system

• Transfers within Russia - have been functioning since February 1, 2006 and work only within the structures of Sberbank of Russia;
• Transfers to Kazakhstan, Ukraine and the Republic of Belarus (between Sberbank branches in Russia and branches of subsidiary banks in Kazakhstan (SB Sberbank JSC), in Ukraine (Sberbank of Russia OJSC and in the Republic of Belarus (BPS-Sberbank OJSC) - are functioning from October 1, 2007.

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” transfer system is that transfers are carried out only within Sberbank and their subsidiary banks.

The cost of a transfer within Russia is 1.75% of the transfer amount (no less than 150 rubles and no more than 3,000 rubles), which is charged only to 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 currency of the transfer). The cost of paying out a transfer abroad is 1% of the amount. A very reliable system, processing transfers only using a passport or ID card.

Transfers are made without opening a bank account. Maximum amount money transfer within Russia – 500,000 rubles. Outside Russia - total amount funds accepted within one day from one resident individual - no more than the equivalent of 5,000 US dollars, for non-residents 10,000 US dollars.

Money transfers "CyberMoney"

• Money transfers “CyberMoney” (in Russia);
• Money transfers “CyberMoney” (to the CIS countries, the Baltics and far abroad countries).

This modern system electronic money transfers of the Russian Post, which covers the entire territory of the Russian Federation and is intensively promoted to the near and far abroad through the postal services of these countries. Transfers abroad are made by electronic exchange transfers with foreign partners in the following countries: Ukraine, Kazakhstan, Belarus, Azerbaijan, Armenia, Kyrgyzstan, Latvia, Moldova, Uzbekistan, Estonia, China and France.

Only the CyberMoney money transfer system of the Russian Post guarantees 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 delivery means).

Payment of the transfer, taking into account the provision of remote locations with the necessary funds, is carried out within 72 hours. The maximum transfer amount within Russia is limited to 500,000 rubles, and abroad – 100,000 rubles. The cost of the service is charged to the sender of the funds, and its size depends on the amount of the transfer. In addition, the cost of the service also depends on the region of departure. Individual rates apply in some regions. The disadvantage of the system is enough high price services.

The Russian Post money transfer system has the advantage of making money transfers between legal entities and individuals. Within the framework of this system, the “tariff-free postal transfer” project was also implemented for individuals making postal transfers to legal entities (corporate clients). The cost of postal services for making such transfers is paid by legal entities themselves who have entered into an appropriate agreement with Russian Post.

Money transfers "Fast and Furious"

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 period for making transfers declared by Russian Post is a few minutes, the control period is no more than 1 hour.

You can only find out about the availability of an incoming postal order by visiting the post office, and the postal notification may be delivered much later.

International money transfer system Unistream

The coverage of the money transfer system is more than 250,000 service points in 100 countries. 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 addressed and addressless money transfers

The cost of Unistream transfer within Russia is from 1% to 1.5%. Interest on transfers to foreign countries Mostly start from 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 an account mobile phone, through UNISTREAM self-service terminals, through the purchase of UNISTREAM MONEY in the Svyaznoy chain of stores.

International money transfer system CONTACT

The Contact money transfer system has more than 40,000 points in 90 countries, and more than 3,500 customer service points in Russia. Transfers are made in Russian rubles, US dollars and euros. Within 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 foreign citizens of Russia can transfer foreign currency and Russian rubles in the equivalent of no more than 5,000 US dollars in one day, This restriction does not apply to foreign citizens.

The system allows you to:

• Sending transfers - in cash, from a bank account, from a card account.
• Receiving transfers - in cash, by crediting to a bank account, crediting to a card account, or paying by check (USA).

The transfer fee varies from 0.7 to 5% depending on the amount, currency and country of transfer. Thus, the commission for a transfer 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 notification to customers around the world. The following banks in Russia work with the Contact money transfer system: GLOBEX Bank, Omsk Bank, Bank Vozrozhdenie, Tver City Bank, etc.

Russian money transfer system "Zolotaya Korona - Money Transfers"

The system's network of points covers 11 republics of the former Soviet 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: Uralsib OJSC, Moscow Regional Bank LLC, Perminvestbank OJSC, CHELYABINVESTBANK, Vostochny CB OJSC, etc.

The cost of a transfer within Russia is 1.5% of the transfer amount, to CIS countries - from 1.5% to 3% of the transfer amount and country, to China - 25 US dollars, regardless of the amount transferred. The maximum transfer amount within Russia is 500,000 rubles, abroad for residents of the Russian Federation - up to $5,000, abroad for non-residents of the Russian Federation - up to $20,000.
The CFT company is actively implementing integration projects with other money transfer systems. For example, integration projects have been implemented with the systems “MoneyGram” (USA), “Anelik” (Russia), “PrivatMoney” (Ukraine-Russia), “Caspian Money Transfer” (Azerbaijan) and “AVERS” (Ukraine).

ALLURE money transfer system

The total accessible network of the ALLURE system is more than 5,500 offices, including more than 650 partner credit institutions located in more than 300 localities in Russia. Signed and working affiliate program with the 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 a money transfer in Russian rubles is limited to 600,000-00 rubles, in foreign currency - 15,000-00 US dollars and 15,000 EURO (subject to restrictions in accordance with the current currency legislation for residents of the Russian Federation - no more than an amount equivalent to 5,000-00 US dollars on one business day). The ALLURE money transfer system has uniform fixed tariffs only for sending a transfer, and its size depends on the transfer amount and currency.

International money transfer system LEADER

Clients of the LEADER system can also take advantage of the opportunity to credit money to the bank account of the recipient of the transfer, for which the sender needs to check with the operator about the possibility of this operation in accordance with the legislation of the recipient’s country.

The following banks offer the service for transferring funds through the LEADER system: Bank Industrial Credit, CJSC Agroprombank, CB Transportny, OJSC JSCB Investbank, CJSC JSCB Gazprombank, Bank Credit-Dnepr (Ukraine), Bank Finance and Credit (Ukraine) , OJSC VIP-Bank, CJSC CB Miraf-Bank, Asia UniversamBank (Kyrgyz Republic), etc.

International money transfer system MIGOM (MIGOM)®

The following Russian banks work with the system: Bank24.ru, Khanty-Mansiysk Bank, ROSGOSSTRAKH BANK, OJSC GUTA-BANK, SMP Bank and others. The following banks from the CIS countries have joined the MIGOM money transfer system: Agroprombank (Transnistria), Belagroprombank (Belarus), Ipak Yuli Bank (Uzbekistan), Savings Bank (Ukraine), PrivatBank (Ukraine), Belpromstroybank (Belarus), Savings Bank (Transnistria), Tajikistan 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 obtain from your service operator a printout of the list of addresses of MIGOM points in the receiving city. And yet, the transfer will be issued to the Recipient only in the currency in which it was sent by the Sender.

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

Fast ones are very convenient, since you don’t need to open a current account. The transaction is carried out only using the sender’s passport, while the recipient will need to present a passport and give a secret code, which can be communicated to him over the phone. In a maximum of an hour, the money will already be in 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?

Fast transfers are provided not only by Russian Post. Today, a large number of companies have appeared that allow you to receive money in just a few minutes. The fee for the transfer will be a commission amounting to 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 profitable 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 help, you can give him necessary funds in full as soon as possible. The system for sending and receiving funds without opening accounts is gaining popularity, and thousands of people use it every day.

Instant money transfers to family and friends are especially popular all over the world.

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Numerous international fast money transfer systems and those that operate predominantly are ready to provide services for a commission, the size of which will depend on the amount transferred and the destination.

Transfers are made in about 10–20 minutes, very rarely money arrives within an hour.

Offers

There are about 20 of the most popular domestic and foreign systems in Russia. Almost all of them carry out transfers within Russia and. Only a few work to transfer funds across Russia and neighboring countries.

When 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.

Conditions

Fast sending of finances is carried out without opening a bank or other account.

Main conditions – minimum quantity necessary documents and data to send and receive.

In some cases, personal data of the sender and recipient, city and country are required, in others - their card and mobile phone numbers.

It all depends on the method of sending and receiving, as well as the conditions imposed by the transfer system.

According to the legislation of the Russian Federation:

1. It is allowed to send funds within the country in any amount, without restrictions.
2. Russian citizens can transfer abroad no more than 5 thousand in foreign currency in one working day.
3. Non-residents have the right to transfer any amounts abroad.
4. It is allowed to send currency to Russia from other countries without restrictions.

As a rule, the systems themselves limit the amount of amounts that can be sent within Russia and abroad.

You can send funds within Russia in national currency, and abroad in national currency equivalent and foreign currency. The recipient receives funds in the currency of the country where the transfer is sent.

But in some systems, the conditions provide for sending and issuing only in foreign or national Russia.

From Russia, currency can be sent to countries where there are representative offices of one or another transfer system.

Various additional free services may be offered for the transfer, for example, sending SMS to the recipient and others.

The commission is charged only to the sender, the recipient is given the full amount.

Fast money transfers

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 their personal phone account.

Across Russia

In addition to the most popular systems within the country are the following services:

• Sberbank (Kolibri transfer system);
• VTB 24 (translation system Sprint);
• Contact;
• Gold Crown.

But with their help you can also make transfers abroad. The system gained popularity due to the small commissions charged for services within the country.

For convenience, clients in the Russian Federation can contact numerous bank branches and points.

International

Everyone works in many countries, so, except for Russia, it is convenient to send transfers abroad.

To send funds within Russia, it is necessary to take into account that commissions are usually higher.

Therefore, it is beneficial to use international fast transfer systems to send money to other countries.

Methods

U financial organizations offering similar services, numerous offices are located in many countries around the world.

Various methods of transferring money are offered:

• using the Internet banking service;
• through a network of points located in retail chains;
• in bank branches;
• from mobile with the support of network operators;
• via terminals;
• other.

Sberbank

At Sberbank, fast money transfers within Russia using the system are considered the cheapest. You can also send money to neighboring countries.

Within 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 commissions should be accordingly in the range of 150–1000 rubles. and 3 thousand rubles.

You can receive money only at one of the Sberbank branches. Funds arrive within 10–60 minutes.

Western Union

It is the most widespread in the world; it can be used in 200 countries. Funds arrive instantly.

Sending can be done at a bank that is a partner or at an official representative office. Sending is carried out after filling out the company form, the sender is given a secret code, which he communicates to the recipient.

The commissions are the largest; they can reach 2–10% of the amount transferred abroad, but their size depends on the direction of sending and the recipient country.

In Russia, the cost of translation can be 1–5%. Transfers can only be made in US dollars and rubles.

Unistream

Points for sending and receiving money are located in Russia, the near abroad 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 neighboring countries cost 1%, and to distant countries 2%.

Clients can send money in one currency, and the recipient can optionally receive the amount 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 bank branches.

You can make a maximum addressless transfer from the card in the amount of 100 thousand rubles. or equivalent.

You are allowed to make 3 transfers from one card per day.

Transfers are made in four currencies:

• rubles;
• US dollars;
• Euro;
• pounds.

Contact

The domestic system of fast transfers is considered the cheapest and most widespread in Russia; it can be called second after Western Union in popularity.

Sending and receiving funds is carried out at official points of the system, as well as at almost every bank in Russia.

For ruble transfers within Russia you need to pay 1.5%, and abroad 2–3%.

Transfers are made in three currencies:

• rubles;
• Euro;
• US dollars.

Within Russia, the maximum you can send is 500 thousand rubles. per day, to the CIS countries - 350 thousand rubles. or 10 thousand in foreign currency, for non-CIS countries there is a limit of 5 thousand US dollars/euro. 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 Contact points, the sender can independently make a transfer using a mobile phone through partner mobile operators, system terminals, from his card to the recipient’s card through an online service.

Gold Crown

It cooperates with banks, retail outlets, mobile operators and other organizations, so sending can be done in any region of Russia.

When registering, an application is filled out, indicating the city and country, and money can be received at any point where the service is provided.

Commissions range from 0.5–1.5% and depend on the recipient country.

MoneyGram

You can receive or send a transfer at system offices, partner banks, Euroset or Svyaznoy stores. To send, you need to fill out a company form.

Commissions are considered quite expensive. Funds can be issued to the recipient in 10 minutes.

Anelik

Using the express transfer system, you can receive money in 5 minutes.

Sending is carried out at points of the system or at branches of partner banks, and receipt only at the point indicated as the destination. The opportunity to use Anelik translation services is available in almost 100 countries around the world.

Ruble transfers within Russia cost 1.5%, and in foreign currency abroad 3%.

Leader

The system covers 130 countries, funds can be received instantly.

The size of the commission depends on the shipping method and destination, it varies between 1–4%.

Cyber ​​Money

Completely covers the territory of Russia, neighboring countries and foreign countries. You can send 500 thousand rubles within Russia, and 100 thousand rubles abroad. or equivalent.

Transfer fees are considered high. You can transfer money to an individual or legal entity.

How to send and receive?

In order to transfer money quickly at one of the points or branches of a partner bank of money transfer systems, you must appear in person and present an identification document.

To submit, fill out an application form, indicating:

• sender and recipient data;
• destination;
• transfer amount;
• currency.

If you specify only the country, the recipient will be able to receive money at any point where the system’s services are provided.

After completing the documents, the sender is given a control number, which he communicates to 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, this can be done independently. In this case, a passport will not be required, and the recipient will receive the funds on their card/account or receive them in the standard way at one of the system’s offices.

Documentation

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, Arctel, etc.)
• Television (NTV+, Cosmos TV, Akado, etc.)
• Security systems(Caesar Satellite, Gulfstream, Legion, etc.)

Translations

Money transfers are one of the most popular banking services around the world. Transcapitalbank provides services for transferring funds in Russia and abroad:

• from an open bank account

• via Western Union

  Western Union is a global leader in money transfers with more than 140 years of experience and an extensive and extensive money transfer network of more than 500,000 branches in more than 200 countries and territories worldwide. In Russia, the network of Western Union® service points includes more than 20,000 branches for convenient sending of transfers

  Advantages of Western Union

  Profitable:

  • tariffs for sending money transfers in Russia - from 1%*
  • to CIS countries and Georgia – from 1%*
  • tariffs for sending money transfers To China- 1000 rub. for any translation from RUB 75,000. or 41USD from 3000 USD*
  • to other countries - from 250 rubles/10 US dollars*

  Fast: You can receive money within a few minutes after it is sent.

  Comfortable: Cash withdrawals are available at over 500,000 Western Union branches worldwide.

  According to the terms of service, certain requirements must be taken into account regarding the amount of the transfer, country of destination, currency, legislation, personal identification, opening hours of the service point, differences in time zones, or other applicable restrictions. Subject to the terms of service, payment of transfers may be delayed or services may be unavailable due to the specific nature of the service, including the specific transfer amount, destination country, currency availability, applicable law, identification requirements, payout point operating hours, time differences between time zones, terms of tariffs with deferred payment of transfers or other applicable restrictions. Please visit www.westernunion.ru for more information."

• via money transfers “Zolotaya Korona”

  “Zolotaya Korona – Money Transfers” is a service for fast addressless delivery of funds in Russia, near and far abroad countries. The service allows individuals send money without opening an account quickly, safely and conveniently.

  Advantages:

  • convenience– more than 60,000 service points in branches of banks and retail chains Euroset, MTS, Beeline, MegaFon and others;
  • speed– money transfer can be received a few minutes after sending;
  • addresslessness– it is enough to indicate only the country and locality, where the transfer is sent. The recipient himself chooses the transfer delivery point that is most convenient for him;
  • control– you can check the status of the transfer 24 hours a day online on the website of the Zolotaya Korona – Money Transfers service or in the free mobile application “Money Transfers” (6+, available for download in the AppStore and Google Play);
  • availability– low fares from 0% on all routes. Transfer currency – rubles, US dollars, euros, as well as national currencies*.