Where to issue money transfers without commission. What determines the commission of Sberbank for money transfer

Hello dear readers of the blog site. How do I get a fee from a client for my work? Every year there are more and more ways and it makes sense to make a choice with open eyes. Therefore, I decided to help you quickly compare and select the most reliable and proven time options. These are money transfer systems, bank cards and e-wallets.

Just study the details and rates below, compare the terms and speed of the transfer. Choose the method that is most convenient for you or your client! In general, I hope that this small opus on the topic of remuneration will be useful to you.

Money transfer systems

Now there are many systems that carry out instant money transfers. With their help, it is easy to send money to any country in the world. The main advantage of such services is the ability to receive a transfer immediately in cash at the point of issue, in local currency.

There are three types of translations:

from card to card
from the card to the cash pick-up point
from a branch in cash to a cash pick-up point

How to choose a transfer system?

By the size of the commission
In the proximity of the pick-up points to the recipient's place of residence
By the number of branches in a particular country
By speed of international transfer
By fame, reputation and reliability

A giant network with a wide geography and 140-year history that covers more than 200 countries of the world. Convenient and most reliable solution for international transfers. Currency conversion is performed instantly at the current exchange rate.

No. 2. gold Crown

A network with a large number of partners: you can make a transfer within walking distance in the salons "Svyaznoy", "Euroset", "Mts", "Beeline". The commission is quite low, often not exceeding 1.5% even for international transfers. Currency conversion fee - 0 rubles.

No. 3. Unistream

The most profitable network for all MasterCard cardholders - from these cards you can send money transfers to any country in the world for 0 rubles using online service... You can send money both at service points and online, as well as in numerous terminals: Eleksnet, TelePay, QIWI ...

No. 4. Leader

A network from Alfa-Bank, which is more often used by Alfa cardholders. With a convenient online service for fast transfers. You can create a special wallet "Leader" or use the electronic payment service Leomoney.

Transfer system Transfer speed Transfer fee Number of points of issue Ease of use Western Union 2-3 minutes within Russia from 1% to the CIS countries and Georgia from 1%, to China 1000 rubles. for any transfer from 75,000 rubles. to Europe 2-4% on average, but not less than $ 10 or 250 rubles more than 500,000 branches in 200 countries of the world, of which 20,000 in Russia 6 out of 10 Unistream instantly worldwide - up to 1.5% for transfers to MasterCard cards to any country - 0% more than 280,000 points of issue, more than 400 partners8 out of 10 Zolotaya Korona 3-4 seconds from 0% to 1.5% depending on the country of destination more than 49,000 points of issue, more than 550 partners - banks and communication salons 8 out of 10 Leader instantly 1-1.5% depending on the transfer method and destination country 130,000 service points in 130 countries of the world, of which 7,000 are in Russia7 out of 10

Bank cards

This option is especially convenient if the recipient of the payment has a card of the same bank as you. And if you are registered in your internet bank.

Sberbank

Included in the TOP-50 largest banks in the world. The most popular bank in Russia - more than 110,000,000 clients use its services. You can transfer money using the clear and reliable Internet service Sberbank Online.

Alfa Bank

A profitable way to transfer money if the sender and the recipient have an "Alpha" card. The commission in this case will be 0 rubles even for international transfers. There is an Internet bank "Alfa-Click".

Tinkoff

Revolutionary bank: no branches, no own ATMs, with the ability to withdraw cash from any ATM in the world! It is rapidly gaining popularity in Russia, and already has more than 4 million customers. You can transfer money from a Tinkoff card to a Tinkoff card without a commission, even if the transfer is international.

Internet money

Electronic wallets are a fast and convenient way to receive money. However, problems often arise when you need to withdraw money - transfer it from online to offline. Freelancers have to pay a commission to send money from a wallet to a bank card.

WebMoney

Large international system with enhanced security and wallet protection. You can replenish your wallet in a variety of ways: from a payment terminal to the Russian post office.

Convenient "dollar" network, more often used for sending money to the United States.

Yandex money

The Russian electronic money system, clear and simple, is well suited for domestic use.

This wallet number is a mobile phone number. It's very easy to get a wallet and use it. There are a large number of branded payment terminals QIWI in Russia.

Electronic wallet Fee for transferring to a purse Fee for withdrawing money from a purse Transfer speed Ease of use from a bank card online from 0% through a payment terminal 1% in the Internet bank 2.5% from a mobile account 5.95-12.5% at Euroset and Svyaznoy cash desks from 2% at a bank branch 1-7% at a WebMoney point 0-4 % PS Since the beginning of 2016, they have been observed (possibly temporary). 2% -2.5% to a bank card from 30 minutes to 3 days, depending on the method 5 of 10 from a bank card 1% from a mobile account 7.86% from a Sberbank card 0% to a Yandex-money card - 3% of the amount + 15 rubles. to another card - 3% of the amount + 45 rubles. (at least 100 rubles) instantly 10 out of 10 2% instantly 10 out of 10 0% 48 hours 6 out of 10

from a bank card - 0% (from 3000 rubles) at an ATM, via the Internet bank, at partners' offices - 0% in QIWI terminals - 0% (from 501 rubles)
in other terminals - 0% (when paying in cash) from mobile - from 0% to 9.9%

3.9% average + currency conversion fees

But in general

I hope that the article was useful for you and that you have chosen a suitable method of transferring money for you and your clients!

In reality, it is very difficult to start a wallet in an emergency mode and try to set it up "on the run" when you need to urgently receive a payment. In this way, I got frustrated with several offers of cooperation, until I brought all my financial instruments in full order and compliance. Learn from my mistakes ...

Good luck to you! See you soon on the pages of the blog site

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What does the Sberbank commission for money transfer depend on?

The commission can depend on many factors. First of all, it is, of course, the range of sending a money transfer. So, transferring to another country will cost much more than transferring to a neighboring city.

Also, the cost of a translation can be affected by the way it is implemented. Whether it is an operation through remote self-service tools, or a bank cash desk. Cash or non-cash items.

Money transfer fee

The bank does not provide for a single commission for the execution of money transfers. Therefore, each possible option for performing a money transfer operation should be considered. And therefore, further we will consider such methods as:

Cashless transfers;
Cash transfers;
Transfer to another region;
Transfer to another country.

Cashless transfers

The commission for a non-cash transfer may depend on the method of transferring money. So the option of transferring from one bank account to another or to a card can be chosen. Depending on the direction of the transfer, the following types of commission are established:

To an account of a Sberbank client within one city - 0%;
To an account of a Sberbank client in another city:

o Through bank branches - 1.5% (not less than 30 rubles and not more than 1000 rubles);

o Through remote self-service services - 1% (no more than 1000 rubles);

Transfer from card to card by card number:

o Sberbank client within the city - 0%;

o For Sberbank clients outside the city - 1% (no more than 1000 rubles);

o For a client of another bank - 1.5% (at least 30 rubles).

Cash transfers

There are two types of cash transfers. One of them is the usual translation. Moreover, such a shipment can be sent either to a card or bank account, or to receive it in cash. And commission charges will look like this:

The addressee will receive cash - 1.75% (no less than 50 rubles, no more - 2000 rubles);
The transfer will be credited to the bank account of the Sberbank client:

o In the same city - 0%;

o In another city - 1.75% (but not less than 50 rubles and not more than 2000);

Crediting funds to the account of a client of another bank - 2% (not less than 50 rubles and not more than 2000 rubles);
To a Sberbank client's card - 1.25% (from 30 rubles to 1000);
To the card of a client of another bank - the service is not provided;
Urgent transfer "Kolibri" - 1.5% (not less than 150 rubles and not more than 1000 rubles).

Transfer to another region

Transferring amounts to another region can also be performed in two ways. Here, both cash transfers and non-cash transfers can be used. The commission will be the same as when transferring to another city. Either single, as for transfers by card number or by transferring "Hummingbird".

Transfer to another country

You can send money abroad both in cash and non-cash to the recipient's account. In the event that you need to send cash, then you will need to choose between 3 types of transfers. These include:

Urgent international transfer "Hummingbird";
Urgent international money transfer MoneyGram;
International cash transfer.

When choosing "Hummingbird", regardless of the recipient's country, you will need to pay a commission of 1% for the transaction. In this case, the upper and lower threshold of the commission fee is established. So, the minimum amount to be paid is 150 rubles, 5 dollars or 5 euros. And the maximum threshold is set within 3000 rubles, 100 dollars and 100 euros.

When transferring money abroad using the MoneyGram system, the commission will depend on the recipient's country, as well as on the amount of the transfer being made. So, when sending money to the CIS countries, Georgia or Israel, the commission will be from $ 2 to $ 90. And when transferring money to non-CIS countries, an additional payment for the operation can range from $ 12 to $ 300. For transfers to China, cost limits are set transfers from $ 9 to $ 80

International Cash Transfer fees will depend on the currency used to send. So, if the amount is sent in rubles, then the commission will be equal to 2%, but in the range from 50 rubles to 2000 rubles. And when transferring amounts in another currency, the commission will be equal to 1%, but not less than 15 dollars and not more than 200 dollars.

Sberbank also provides a non-cash international transfer service. With this option, the money will be credited to the addressee's account. And the commission will be 2%, but not less than 50 rubles and not more than 1500 rubles, if the amount is sent in rubles. And 1%, but not less than 15 dollars and not more than 200 dollars, if money is poisoned in another currency.

Transfer speed

Depending on the selected method of sending the amount, the speed of receipt of money by the addressee may vary. So, non-cash transfers in Russia will reach the owner within 2 days. And when transferring cash by ordinary transfer, you can count on the fact that the addressee will receive money within 2 days if the amount is issued in cash, and within 1 day if the cash amount is credited to the client's account.

The difference between the translation of "Hummingbird" is that this translation is urgent. This means that the recipient will not have to wait for the debt. He will be able to receive the money in 10 minutes.

With regard to international shipments, there are also established their own terms. So, by sending money through the "Kolibri" system, the transfer can be received in an hour. The execution time of a MoneyGram transfer is even shorter. Such a transfer will be available within 10 minutes.

An international cash transfer will reach the addressee within 1 business day if the money is credited to his account. And within 2 business days if the amount is issued in cash. But a non-cash international transfer is performed within 2 days.

Factors affecting the speed of money transfer

In addition to the selected transfer option, many factors can affect the speed of transferring funds. So, for example, transferring money to an account or card of a third-party bank, the speed of enrollment may depend on the recipient's bank. Interbank transfers are not processed so quickly at the moment. This means that there may be delays.

Also, the time the money is sent or even the day can affect the speed of receipt of money by the recipient. If the amount was sent late in the evening, then it is likely that the application will be accepted for execution only the next day. And when sending money on weekends or holidays, or on the eve of such days, the application for the transfer of funds may not be processed immediately, but only after the expiration of such days. After all, not all translations can be performed on non-working days.

When is the commission not charged?

Everyone wants to save money and not pay a commission. And there is such an opportunity. So, you will not have to pay for the operation if a transfer is made between your accounts and cards opened with Sberbank. And also, in the event that funds are sent to an account or card of a Sberbank client within the same city.

What is the commission when transferring from Sberbank to VTB?

Transfer from Sberbank to VTB is an interbank transfer. The size of the commission here will depend on the selected method of transferring funds. So, if the funds are debited from the Sberbank card and transferred to the VTB card using the card number, then the commission for such a transfer will be set as a percentage and will be 1.5% of the amount, but not less than 30 rubles.

But in the event that the transfer is carried out according to the VTB client's account number, then the commission fee will be 2% (minimum - 50 rubles, maximum 1500 rubles) if the operation is carried out through a bank branch and 1% (but not more than 1000 rubles) if money is transferred through the Internet banking system.

Commission when transferring to Yandex

Sberbank cardholders can transfer money to the Yandex.Money wallet. Moreover, such a transfer is performed without charging commissions. But it can only be done through remote self-service services, which include:

Sberbank Online;
ATMs;
Terminals.

Limits and restrictions

For transfers made within the territory of Russia, limits are set only for operations performed through an online bank. So, using remote services, you can transfer up to 500,000 rubles to the accounts of bank customers, as well as to the accounts of customers of other banks. But amounts over 80,000 rubles will require confirmation in the contact center. And if the payment is made using the card number via MasterCardMoneysend and VisaMoneyTransfer systems to bank cards of clients of third-party banks, then the maximum amount will be limited to 30,000 rubles.

There are also limitations for the urgent transfer of "Kolibri" carried out on the territory of Russia. Using this method of sending money, you can send an amount not exceeding 500,000 rubles. Amounts over the established limit will not be accepted for execution in this way.

Among international transfers, only non-cash international transfers have no restrictions. In other cases, their own limits are set. So, urgent international transfers "Kolibri" and MoneyGram are limited to $ 5,000 for residents and $ 10,000 for non-residents. And a regular international cash transfer restricts transfers to residents only. The maximum amount that can be sent in this way is $ 5,000.

In order to send money to loved ones, there are many different reasons. Most often, such economic prerequisites are made by parents to their student children, or children who have got on their feet financially support their parents. Most often, such regular shipments are made within the borders of our country. Therefore, the issue of cost is very relevant, because money transfers in Russia can be done in different ways and in each case there are advantages and disadvantages of the options.

Sending money by mail

The most widespread branch network in the country is the Russian Post. In all, even the most distant corners, there is at least one small working branch. One of the oldest companies provides various types of services, including sending money.

It should be noted that this method is one of the most expensive and time consuming.

But in some areas it is practically irreplaceable. After all, not everywhere there are alternative services that want to work sometimes even at a loss.

Tariffs for sending money by Russian Post

The post office offers the CyberMoney service. Tariffs for small money transfers start from 40 rubles + 5% to a thousand, up to 250 rubles + 1.5% to half a million.

This means that for sending 1 thousand rubles, you need to pay 90 rubles (9%) of the commission. And for an amount of 500 thousand, the payment will be 7750 rubles (1.55%).

But you need to know that sending amounts up to 100 thousand takes 3 working days, and more than this amount, according to the regulations, can be issued in a maximum of 8 working days.

Pros: huge coverage of the country's territory, you get cash right away, you can send large amounts.

Cons: high commission for small amounts, very low speed.

Translations of specialized systems

There are special companies for making transfers, such as Western Union, Unistream, Anelink or others. Some of them are almost two hundred years old. Western Union, for example, has branches virtually all over the world. They also strive to speed up the shipping and receiving process within each country as much as possible and regularly reduce shipping rates.

Now, for an operation up to 10 thousand rubles, you need to pay only 100 rubles of a fixed commission, and up to 100 thousand - 1% of the amount. When it is necessary to transfer more than 100 thousand rubles, the client will pay a fixed fee of 1000 rubles.

System tariffs

You can pick up the money in a couple of hours after sending it. You just need to know the transfer code and have a passport. Some systems allow you to receive a transfer in a few minutes after sending, for example, the Golden Crown.

Pros: High speed of money transfer, no need to have bank accounts.

Cons: fewer branches than the post office can be obtained only at specialized points.

Transfers between bank cards

A more profitable transfer is between cards of the same bank. Thus, you can even transfer money within Russia without a commission, and Sberbank can do this if the sender's and recipient's accounts are open in the same city. Some banks, such as Tinkoff, do not provide fees for transfers between any client debit cards.

The maximum commission can rarely reach 2-3% of the amount. But there are restrictions on the volume of transfers. Different banks can have them on average from 15 to 75 thousand per day. Large limits exist for transfers within the bank, and not between cards of different financial institutions.

Pros: high speed, average commission.

Cons: you need to have a bank card, you can get cash only at an ATM.

Sending via virtual payment systems

Younger users use Qiwi, WebMoney or Yandex.Money systems for transfers. But cashing out through these services takes some time and is not free.

On average, the user must pay up to 3-4% of the amount for receiving bills.

But the translation itself arrives instantly. Although there are also restrictions on the maximum transfers. For unauthorized users, it will be a problem to receive more than 15 thousand rubles.

Pros: round-the-clock transfers, seven days a week, low shipping fees.

Cons: problem with cashing out, limited low amounts for sending, you need to be registered with the service, the commission for receiving is above average.

Bank transfer

You can go the traditional way and make a bank transfer to your account. In this case, the commission will be from 1 to 5% in different banks. The average will be 1.5-2%.

But at the same time, the recipient must have a bank account and send the full details to the one who wants to transfer the money. Also, you can actually withdraw the amount only through a bank branch during working hours. Which imposes its own inconvenience to receive. The transfer takes one business day maximum.

Pros: average transfer speed, average commission, cash withdrawal.

Cons: you need to have an account, you can get it only on weekdays, you can pick it up only in one specific branch of the bank.

Money transfers is a financial service that is in high demand among individuals. With its help, you can send money to another person, regardless of his location.

Plus, in this way, people can avoid the hassle of carrying large amounts of money in cash. After all, it is much cheaper and safer to send funds through a money transfer system than to carry them yourself or hire collectors.

There are many types of money transfers in the world today. Often, even in one bank, a client can be offered several systems at once to choose from. They differ among themselves not only in the size of the commission, but also in such parameters as the speed of enrollment, territory of action, procedures for sending and enrolling.

In banking practice, the following classification of transfers is used:

international - with their help you can send money from one country to another;
national - operate only on the territory of one state;
intrabank - you can receive money only in the financial institution through which the transfer was sent;
cash - does not provide for the opening of a special account;
non-cash - carried out only with the help of a bank account;
currency - provide for the transfer of monetary units of other states (dollars, euros, etc.).

It should be noted that the monopoly of banks in the money transfer market is gradually disappearing. You can already send money through social networks, as well as using electronic wallets.

What you need to send money

The initiator of the money transfer is the individual sender. In order to send money, he must submit to the bank a certain package of documents, which depends on his citizenship:

Russians will need a passport or any other identity document (passport, "military man", etc.);
foreigners need to bring a "native" passport or other document that is recognized in the Russian Federation, an identity document, a migration card, a document for the right to reside in the Russian Federation;
a stateless person must apply for a residence permit in Russia and a document for the right to reside in the Russian Federation.

Restrictions on transfers

To better understand what restrictions apply when sending money, you must first consider concepts such as resident and non-resident.

So, the first is a citizen who lives and works in the state, pays taxes to the budget.

The second is an individual who operates in the territory of one country, but at the same time is registered and lives in another.

In accordance with domestic legislation, non-residents can transfer, without opening an account, both rubles and currency within Russia and abroad without restrictions.

Residents, and these are in most cases our compatriots, without opening an account can send in one day outside Russia no more than the ruble equivalent of 5 thousand dollars.

Popular money transfer systems

The leaders in terms of the number of transactions in the world are Western Union and MoneyGram.

Western Union

The main office of the company is located in the USA in Englewood (Colorado). The advantage of the system is a very extensive network of transfer issuing points located in more than 200 countries of the world. It is also convenient that you can send money using Western Union not only abroad, but also within the same country.

You can send money using the WU system in the following ways:

online from the website www.westernunion.com;
at the WU branch;
in the subdivisions of the Russian Post;
using Internet banking (the service works only in Avangard and Uralsib banks);
in cash at the bank;
through the Yandex.Money electronic wallet.

The transaction fee depends on many factors, the main of which are: the method of sending, the amount of the transfer, the country of destination. A large number of points of issue of transfers contributes to the growth of the popularity of Western Union in many countries of the world.

MoneyGram

It is the second most popular money transfer system in the world. Its central office is located in the USA, Dallas (Texas). Points of withdrawal of money via Moneygram are present in more than 200 countries of the world. You can send money using it only in a bank branch.

The size of the commission depends on the standard parameters: the amount and currency of the transaction, the country of destination.
It is also worth considering that it will not work to send more than $ 10,000 to Moneygram.

Russian money transfer systems

On a national scale, the most popular are the following systems:

gold Crown

One of the largest translation systems in Russia, it was created in 2003. Its participants are more than 550 banks, which are located not only in the Russian Federation, but also in the CIS countries, near and far abroad. In total, the system has about 60 thousand service points in 36 countries.

The great importance of the system is evidenced by the fact that in 2013 it was included in the register of socially significant payment systems in Russia.

According to the international credit rating service S&P Global Ratings, it is the leader in the money transfer market in the CIS, and in terms of the volume of funds transferred, it ranks third in the world.

You can send money through the Zolotaya Korona system:

in divisions of financial institutions;
in communication stores (for example, Svyaznoy);
in the offices of the partners of the system;
online - using a mobile application or via a web interface koronapay.com.

In addition, with the help of Zolotoy Korona, you can transfer money between payment cards, as well as repay loans from any bank of the Russian Federation.

CONTACT

One of the first translation systems in Russia, it was created in 1999. More than 900 Russian and international financial institutions are its partners. Using this system, you can send money in the following ways:

online through the website www.contact-sys.com;
in cash from the transfer point;
from an account in any bank in Russia, EU, USA, Hong Kong and other countries;
using a mobile phone;
through terminals;
using Internet banking, financial institutions partners of the Contact system;
via Qiwi wallet.

Blizko

Another system, which consists of a list of socially significant. It was established in 2006 by Svyaz-Bank. With its help, you can send money within the Russian Federation, as well as to other countries, only in the three most popular currencies: rubles, dollars, euros. The network of the system consists of 36 thousand points, including all subdivisions of FSUE Russian Post.

It is worth considering that you can send money only in banking divisions and post offices. Blizko also makes transfers between payment cards and from mobile numbers (Beeline, MegaFon, MTS).

Hummingbird

Is one of the youngest systems in Russia. It was created in 2013 by the flagship of the banking system - Sberbank. With its help, you can send money only within Sberbank, including within its divisions that are located abroad.

The system works only with three standard currencies: national, dollars and euros. The size of transfers is limited:

ruble equivalent of 5 thousand dollars for residents;
ruble equivalent of 10 thousand dollars for non-residents.

You can make a transfer only at Sberbank branches.

Unistream money transfers

It was created in 2001 by the bank of the same name. In February 2015 it received the status of nationally significant. Its partners are more than 450 financial institutions from different countries of the world, and the number of points of issue of money reaches 333.5 thousand.

You can send money using Unistream:

from the official website https://online.unistream.ru/ using a payment card of any Russian bank;
in any subdivision of the system agent.

There is a restriction in Unistream - you cannot send more than 100 thousand rubles. Regarding currencies, the transfer can be made in any currency.

Money transfers Leader

It was established in April 2003. This money transfer network is present in 132 countries, cooperates with more than 500 financial institutions and has about 130 thousand points of issue. With its help, you can make transfers only in three main currencies: national, dollars and euros.

You can send a transfer in the Leader system:

in the partner's unit;
online from the official website https://leadermt.ru;
using Leader terminals (more than 4.5 thousand units);
using the Leader Digital mobile app.

The Leader system also replenishes payment cards, accepts utility bills and pays for the services of state institutions, monthly payments on loans.

Social media money transfer system

Money transfers, which are carried out by companies that have not previously positioned themselves in the financial services market, are starting to compete with standard banking products. It's about sending money using social media.

For example, VKontakte began to carry out money transfers in September 2016. carried out by VTB24 Bank.

With the help of payment cards issued by banks of Russia or Kazakhstan, you can send a transfer to a card of any bank from 17 countries of the world. However, it is worth considering that the size of one transfer is limited to the amount of 100 to 75 thousand rubles, while more than 150 thousand rubles and no more than 600 thousand rubles per month cannot be sent per day. The service is paid and depends on the tariffs of the issuing bank and the type of payment card.

What to choose

You can send money transfers using any payment system, there are enough of them today. However, which one is better to use depends on many factors: the transfer fee, the speed of receipt, the complexity of sending, the list of currencies, the availability of points of issue, the current restrictions. All this must be taken into account when choosing a translation system.

Also, do not forget that payments between bank cards are in great competition for money transfers within Russia. After all, their replenishment is essentially a similar operation, which also allows another person to receive the required amount of money, regardless of his location.

Moreover, sometimes it is much cheaper to make a card and pay a service commission than to regularly use money transfers.

Well, you do not need to discount the rapidly gaining popularity of electronic wallets and transfer systems through social networks, which can attract a significant part of bank customers.

Alexander Babin

Nowadays, you can make payments for the purchase of goods and services, as well as send money to accounts, without leaving your home. To do this, have a device available that can connect to the Internet. Next, it remains to select a service that carries out monetary transactions. This article will present services that provide services for sending money to individuals and legal entities, and will also provide detailed instructions on how to carry out the operations presented.

Service for sending money - performs an intermediary function between the sender and the recipient of funds. Such services create an alternative to making money payments (for example, earlier it was possible to make a transfer only through a bank). The advantage of the service is that anyone can use it without registering a current account.

Differences between the service and banking organizations:

Such organizations generally have an extensive network of representative offices.
Allows you to make the necessary operation as simple as possible within a few minutes.
Commission for making monetary transactions, which on average ranges from 2 to 6 percent of the payment amount.

Principle of operation:

The client comes to the branch of the organization or goes to their website (in the case of online translation).
Next, you need to fill out an application for the operation. The application contains the passport information of the sender, as well as the delivery address.
After filling out the application, the sender only needs to deposit the required amount of money.
After payment, the client is told the secret code, which he must transfer to the recipient.
As soon as the funds are transferred (the deadline for completing the application directly depends on the chosen organization), the recipient can go to the designated office, name the secret code and pick up the sent funds.

Thus, money is sent in almost all existing payment programs.

Western Union - the most famous money transfers in the world

Western Union (money transfers) is the first system in the world to make money transfers. Today, such an organization is the world leader in the field of international money transactions, and in particular express transfers. The organization owns 500 thousand branches located in more than 200 states.

Main advantages:

Reliability. All monetary transactions carried out are equipped with a modern protection scheme, produced in accordance with international standards. Thus, by sending your funds, you can be sure that they will reach the recipient without any problems within the specified time frame.
The speed of operations. The organization uses modern technologies that allow sending money anywhere in the world in a matter of minutes. So, to date, the maximum processing time for an operation is 10 minutes.... So, if you urgently need to send money to any person or organization, you can contact Western Union.
Comfortable conditions. Unlike any banking organization, you don't have to open your own account here. All that is required from the client is to provide a passport and fill out an application for the transfer of money. Immediately after that, the operation will be successfully completed.

Contact is the first Russian payment system that has been successfully operating since 1999. The operator is the organization "JSC Qiwi Bank", which also performs organizational, settlement, clearing and information functions. In addition, the payment system cooperates with VTB Bank and Otkritie Bank.

At the moment, Contact is the undisputed leader in the Russian money transfer market, as well as in the markets of the CIS countries. The service owns more than 500 thousand branches located in 170 countries of the world and providing customer service.

The main advantages of the "Contact" system (money transfers):

Sending any amounts. The payment program does not require a minimum amount of funds to be transferred, so anyone can transfer any amount of funds to another individual or legal entity.
SMS notifications. The service offers its customers the opportunity to connect to the service, which allows them to notify them using sms messages about transactions with money. Thus, you will always be aware of when the operation will be performed and when it will receive a response from the recipient.
There are three types of currencies available. At the moment, you can carry out an operation to send money, both in rubles, and in dollars or euros.

Operation rates:

The maximum amount of transactions carried out in Russia is 500 thousand rubles, 10 thousand dollars and euros. From Russia to the CIS countries - 350 thousand rubles, 10 thousand dollars and euros. In the CIS countries - 600 thousand rubles, 20 thousand dollars and euros. In all other countries, the maximum threshold is set in accordance with their legislation.
The number of operations performed is unlimited.
The commission for Russia is 1% of the payment amount (the maximum commission amount is one thousand rubles or $ 30). You can see the commission for other countries on the website contact-sys.com.

Contact the transfer of funds is fast and reliable.

The Unistream payment service first appeared on the Russian market in 2001. After its appearance, the service quickly began to gain popularity among the population. The reason for the success was to establish a minimum commission of 1% of the payment amount... Thus, Unistream began to carry out operations to send money cheaper than anyone else in Russia and the CIS countries, thanks to this, the presented organization currently occupies a leading position in the financial transactions market. You can carry out an operation in Unistream at one of the 280,000 branches located around the world.

Advantages:

Working with terminals. You can send funds using the Unistream payment program through Qiwi terminals, which are located in almost all major shopping centers in Russia. Thus, the sender will not need to fill out documents and waste time visiting the branch.
Low fees. It offers its clients to carry out transactions with money at the lowest commission fees. So, if you do not want to overpay large sums of money, then contact the presented organization.
High income for banks. Banks and partners that cooperate with Unistream are offered high commission income for incoming and outgoing transactions.

Unistream offers online translation to all its users in their personal account.

Zolotaya Korona is one of the first Russian companies to provide its clients with money transfer services. Here, everyone can make a money transfer without leaving home using the online service. For all other clients, the company offers to use the services in any of the branches, which are located in many countries of the world.

Services offered:

Money transfers. The transfer is carried out both in cash and by bank transfer from card to card. For this type of transaction, the company charges the client a commission in the amount of - 1% of the payment amount.
Currency exchange. The company offers its clients the opportunity to convert rubles into dollars or euros at the current exchange rate. The exchange rates are presented on the koronapay.com website.
Repayment of loans. With the help of the Zolotaya Korona service, clients have the opportunity to pay off their current debt in many Russian banking organizations, as well as in the largest MFOs.

"Zolotaya Korona" also carry out online transfers.

Blitz is a payment system developed by Sberbank. The system was developed recently, but it has already gained immense popularity among the bank's clients. The main advantage of the system lies in the use of modern technologies and communication channels, which make it possible to achieve a high speed of money transfer.

Types of transfers:

Urgent. This type of translation is carried out only within the territory of the Russian Federation.
International. Such transfers are carried out in countries such as Belarus, Ukraine and Kazakhstan.

System commissions:

the commission for an urgent transfer is - 1.5% of the payment amount;
international transfer commission is 1% of the amount;
cancellation of the operation - 150 rubles.

MoneyGram is one of the leaders in the international urgent money transfer market. The company was founded back in 1940, but was able to gain independence only in 2004. From that moment on, the company began to develop rapidly and currently has a large number of branches all over the world.

How to make a transfer using the provided service:

Go to the nearest branch of the company.
Show your passport.
Fill out the application.
Contribute money. After payment, the client will be provided with a special number, which must be communicated to the recipient to confirm the operation.

Moneygram offers money transfers to everyone who has a passport.

Video "How money transfer systems work"