Money transfers are 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, this way people can avoid the hassle of carrying large amounts of 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 from each other not only in the size of the commission, but also in such parameters as the speed of enrollment, the territory of action, the 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 - do 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 do you need to send money
The initiator of the money transfer is the individual sender. In order to send money, he must provide the bank with a certain package of documents, which depends on his citizenship:
- Russians will need a passport or any other identification document (passport, "military", etc.);
- foreigners need to bring their “native” passport or another 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.
Transfer restrictions
To better understand what restrictions apply when sending money, you must first consider such concepts as a resident and a non-resident.
So, the first one 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 is registered and lives in another.
In accordance with domestic legislation, non-residents can transfer, without opening an account, both rubles and foreign currency within Russia and abroad without restrictions.
Residents, and these are in most cases our compatriots, can send no more than the ruble equivalent of 5,000 dollars in one day outside of Russia without opening an account.
Popular money transfer systems
The leaders in 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 points of issue of transfers, which are 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 www.westernunion.com;
- in the WU department;
- in the divisions of the Russian Post;
- using Internet banking (the service works only in Avangard and Uralsib banks);
- cash at the bank;
- through the Yandex.Money e-wallet.
The transaction fee depends on many factors, the main of which are: sending method, transfer amount, country of destination. A large number of points of issue of transfers contributes to the growth of 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 issue of money for Moneygram are present in more than 200 countries around the world. You can send money using it only in a bank branch.
The amount 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 sending more than $10,000 to Moneygram will not work.
Russian money transfer systems
On a national scale, the most popular systems are the following:
gold Crown
One of the largest transfer systems in Russia was established in 2003. Its participants are more than 550 banks, which are located not only on the territory of the Russian Federation, but also in the CIS countries, near and far abroad. In total, the system has about 60,000 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 ranks third in the world in terms of the volume of transferred funds.
You can send money through the Golden Crown system:
- in divisions of financial institutions;
- in communication stores (for example, Svyaznoy);
- in the offices of system partners;
- online - using a mobile application or through a web interface www.koronapay.com
In addition, with the help of the Golden Crown, you can transfer money between payment cards, as well as repay loans from any bank in the Russian Federation.
CONTACT
One of the first transfer systems in Russia was created in 1999. Its partners are more than 900 Russian and international financial institutions. With this system, you can send money in the following ways:
- online via www.contact-sys.com;
- in cash from the point of transfer;
- 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 that is on the 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 system network consists of 36,000 points, including all divisions of the Federal State Unitary Enterprise Russian Post.
It is worth considering that you can send money only at bank branches 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 established 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 amount of transfers is limited:
- ruble equivalent of 5 thousand dollars for residents;
- ruble equivalent of 10 thousand dollars for non-residents.
It is possible to make a transfer only at Sberbank branches.
Unistream money transfers
It was established 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 around 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.
Unistream has a restriction - you can not send more than 100 thousand rubles. Regarding currencies, you can transfer in any monetary unit.
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 130,000 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 department;
- online from the official website https://leadermt.ru;
- using Leader terminals (more than 4.5 thousand pieces);
- using the Leader Digital mobile app.
The Leader system also replenishes payment cards, accepts utility payments and pays for services of state institutions, monthly payments on loans.
Money transfer system in social networks
Significant competition to standard banking products is beginning to come from money transfers, which are carried out by companies that have not previously positioned themselves in the market with the provision of financial services. We are talking about sending money using social networks.
For example, VKontakte started making money transfers in September 2016. carried out by VTB24 Bank.
With the help of payment cards issued by banks in 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 amount of one transfer is limited to an amount from 100 to 75 thousand rubles, while you cannot send more than 150 thousand rubles per day and no more than 600 thousand rubles per month. 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 pickup points, and current restrictions. All this must be taken into account when choosing a translation system.
Also, do not forget that money transfers within Russia are highly competitive with payments between bank cards. After all, their replenishment is essentially a similar operation, which also allows another person to receive the necessary amount of money, regardless of his location.
Moreover, sometimes making a card and paying a commission for services is much cheaper than regularly using money transfers.
Well, there is no need to discount the rapidly gaining popularity of electronic wallets and transfer systems through social networks, which can attract a significant part of banking customers.
Alexander Babin
Instant money transfers to relatives 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 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.
Offers
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 neighboring 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.
Conditions
Fast sending of finances is carried out without opening a bank or other account.
The main conditions are the minimum number of necessary documents and data for sending and receiving.
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:
- On the territory of the country it is allowed to send funds in any amount, without restrictions.
- Citizens of Russia can transfer abroad no more than 5 thousand in foreign currency in one working day.
- Non-residents have the right to transfer any amount abroad.
- It is allowed to send currency to Russia from other countries without restrictions.
As a rule, the systems themselves limit the amounts that can be sent within Russia and abroad.
You can send funds within Russia in the 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 can be offered for the transfer, for example, sending SMS to the recipient and others.
The commission is charged only from 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 a personal phone account.
In Russia
In addition to the most popular systems within the country are the following services:
- Sberbank (Kolibri transfer system);
- VTB 24 (transfer system Sprint);
- Contact;
- Gold Crown.
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.
International
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.
Therefore, it is beneficial to use international fast transfer systems to send money to other countries.
Ways
Financial institutions offering such services have numerous offices located in many countries around the world.
There are various ways to transfer money:
- 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;
- through terminals;
- other.
Sberbank
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.
Western Union
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.
Unistream
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-distance 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 branches.
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:
- rubles;
- USD;
- Euro;
- pounds.
Contact
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:
- rubles;
- Euro;
- USD.
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.
Gold Crown
It cooperates with banks, retail 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.
ManiGram
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.
Anelik
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%.
Leader
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%.
Cyber Money
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 a legal entity.
How to send and receive?
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:
- sender and recipient data;
- destination;
- transfer amount;
- currency.
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 in the standard way in one of the system's representative offices.
Documentation
Instruction
Money transfer systems in Russia are represented by organizations that act as a kind of financial intermediary and offer the public the opportunity to transfer money through a bank, but without opening an account, according to a simplified scheme. To date, 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.
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 around the world. Money transfers are accepted both in rubles and in foreign currency, the transfer speed depends on the chosen tariff and can range from five minutes to a day.
The Western Union system is a solid American company, whose activity 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 of the world. In addition to domestic banks, the Russian Post also works with this system.
Another American company that is popular in the Russian Federation and makes money transfers in 10 minutes to anywhere in the world is MoneyGram. The system not only has favorable service rates, but also provides a convenient currency conversion service: if one type of currency was sent, the recipient can be issued another at the rate in force 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 the traditional methods of transferring and receiving money, the system allows you to transfer money from bank cards or credit it 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, fast transfer and no need to specify the address of a specific service point where the recipient will collect cash. The system 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 is Blitz. Service points are located in major Russian cities and regional centers with a population of more than 20,000 people. Money transfers are carried out only within Russia and those CIS countries where there are representative offices of Sberbank: Ukraine, Kazakhstan, Belarus.
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 on the territory of the 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:
- banking;
- not banking
- mixed - banking and non-banking
- Implementation of non-cash payments by individuals on a current account.
- Carrying out money transfer operations on behalf of individuals without opening a bank account.
- Mixed settlements - in which, on the one hand, the withdrawal / crediting of the account, and on the other hand, the 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 Regulation of the Central Bank of the Russian Federation dated 01.04. 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 regulatory acts.
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 as:
- The price and quality of the service provided;
- Speed and geography of service provision;
- Transfer currencies.
Now I will bring to your attention a brief description of 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 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.
This money transfer system has been operating in Russia since 1991, having opened a subsidiary LLC Non-Banking Credit Organization 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.The Western Union system 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:
- For transfers within Russia - Russian rubles.
- For transfers to / from countries of 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 the Russian Post - only in Russian rubles.
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:
- across Russia;
- In the near abroad;
- To far abroad.
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 CB "Vostochny Express", etc.
International money transfer system MoneyGram
This international money transfer system is organized by the American company MoneyGram International Limited, the headquarters of the company is located in Minneapolis (USA). The first transfer was sent in 1940 in Minneapolis (USA). The system network connects 244,000 points and local agents in 192 countries and regions of the world. In the CIS countries, the MoneyGram network has over 26,000 service points.MoneyGram partners in Europe are such financial institutions as the Royal Mail of Great Britain and Norway, the Italian Post, 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, Svyaz Bank, Rus Bank, etc.
Transfers are made without opening a bank account (in US dollars, Euro 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:
- 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 per day.
BLIC money transfer system
This is the largest and most widespread Russian money transfer system. The system was founded by Sberbank of Russia using modern banking technologies and high-speed communication channels. The Blitz money transfer system is divided into two types:- Transfers within Russia - have been operating since February 1, 2006 and work only within the structures of Sberbank of Russia;
- Transfers to Kazakhstan, Ukraine and the Republic of Belarus (between branches of Sberbank in Russia and branches of subsidiary banks in Kazakhstan (SB JSC "Sberbank"), in Ukraine (JSC "Sberbank of Russia" and in the Republic of Belarus (JSC "BPS-Sberbank") - are functioning since 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" 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 (not less than 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 - the total amount of 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.
Money transfers "CyberMoney"
This is a money transfer system of the Russian Post. A network of post offices throughout the country - more than 40,000 points. Postal orders are divided into two types:- Money transfers "CyberMoney" (in Russia);
- Money transfers "CyberMoney" (to the CIS countries, the Baltic States and the countries of the far abroad).
This is a modern system of 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 “tariff-free postal transfer” project for individuals making postal transfers to legal entities (corporate clients) has also been implemented. The cost of postal services for the implementation of such transfers is paid by the legal entities themselves, who have entered into an appropriate agreement with the Russian Post.
Money transfers "Forsage"
This is the second and more modern money transfer system of the Russian Post, which began operating in June 2010, and covers only the territory of Russia. Postal transfer "Forsage" can be issued in 12,000 branches, the number of branches accepting this type of transfer will gradually increase to 42,000.The maximum transfer amount is 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.
Unistream international money transfer system
This is an international money transfer system in Russia operating worldwide under the UNIStream brand. The operator of the international money transfer system Unistream is OJSC CB UNISTREAM, which in 2001 began functioning as a department of Uniastrum Bank, and in 2006 was transformed into an independent bank.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 starts 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 a mobile phone account, through UNISTREAM self-service terminals, through the purchase of UNISTREAM MONEY in the Svyaznoy chain of stores.
International money transfer system CONTACT
This is the Russian international system of money transfers between individuals without opening an account around the world. The organizer and clearing center of the system is JSCB RUSSLAVBANK (CJSC), which was registered in 1990 (General License of the Central Bank of the Russian Federation No. 1073). The system of money transfers and payments CONTACT (Contact) in Russia started working in 2000, and from January 27, 2005, this system began to make transfers to the CIS countries.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 / Euros, 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 restriction does not apply.
The system allows you to:
- Sending transfers - in cash, from a bank account, from a card account.
- Receipt of transfers - in cash, by crediting to a bank account, crediting to a card account, or payment 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 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.
Russian money transfer system "Zolotaya Korona - Money transfers"
This is a modern and unique Russian money transfer system for individuals. It was developed by the Center for Financial Technologies (CFT) and started functioning in 2003. And in 2007, the system introduced into commercial operation a new technology for processing transfers sent through cash registers. The system has introduced a Money Transfer Card, which is issued once and stores information about the owner, as the sender of the transfer and the recipients of the transfers.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.
ALLURE money transfer system
This money transfer system was originally oriented to the domestic Russian market, and then began to move to the CIS countries. The Organizer and Processing Center of the system of individuals' money transfers without opening bank accounts is United Credit Card Company CJSC (KOCC), better known in the Russian market under the UCS (United Card Service) brand. The Authorized Settlement Center of the System is NBCO "United Settlement System" (License of the Bank of Russia No. 3342-K dated September 23, 1999). The basis of the system is the offices of JSCB ROSBANK.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. An affiliate program with the PrivatMoney money transfer system has been signed and is working. 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 the equivalent of 5.000-00 US dollars one business day). The ALLURE Money Transfer System has unified fixed tariffs only for sending a transfer, and its size depends on the transfer amount and currency.
International money transfer system LEADER
The Russian system of international money transfers, which is serviced by NBCO CJSC "LEADER". The settlement center and the founder of the NCO CJSC "LEADER" is LLC CB "INKREDBANK", with a 100% stake. The LEADER system has been operating since 2003 and already covers 25 countries of the world (that's more than 7,000 points of receiving / sending money).Tariffs for LEADER money transfers vary from 1.2% to 4% of the amount, depending on the country, sending or receiving and transfer currency. In some countries, several Tariff plans operate simultaneously, so the choice of a bank for transfer should be clarified on the system website.
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 check 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.
International money transfer system MIGOM (MIGOM)®
MIGOM (MIGOM)® - International money transfer system in Russia, created in the "European Trust Bank". The Migom system operates in 20 countries, and the number of MIGOM transfer points has reached 30,000. The system has a registered trademark.The system is used by such Russian banks as: Bank24.ru, Khanty-Mansiysk Bank, ROSGOSSTRAKH BANK, OJSC "GUTA-BANK", SMP Bank and others. Such banks of the CIS countries as Agroprombank (Pridnestrovie), Belagroprombank (Belarus), Ipak Yuli Bank (Uzbekistan), Savings Bank (Ukraine), PrivatBank (Ukraine), Belpromstroybank (Belarus) have joined the MIGOM money transfer system, 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.
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 choose a service that carries out monetary transactions. This article will present services that provide services for sending money to individuals and legal entities, as well as detailed instructions for conducting the operations presented.
Service for sending money - performs an intermediary function between the sender and recipient of funds. Such services create an alternative to making cash payments (for example, before 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 of the service from banking organizations:
- Such organizations generally have an extensive network of representative offices.
- Allows you to perform the necessary operation as simply 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 an online transfer).
- 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 called a 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 branch, name the secret code and collect the money sent.
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 world's first system that allows you 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 security scheme, produced in accordance with international standards. Thus, when sending your funds, you can be sure that they will reach the recipient on time without any problems.
- The speed of operations. The organization uses modern technologies that allow you to send money anywhere in the world in a matter of minutes. So, today the maximum processing time of the 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, here you do not have to open your own account. 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 performed.
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 amount. 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 activate a service that allows them to notify via SMS 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.
- Three types of currencies are available. At the moment, it is possible to carry out an operation to send money, both in rubles, and in dollars or euros.
Operation fees:
- The maximum amount of transactions 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 transactions carried out is unlimited.
- The commission for Russia is 1% of the payment amount (the maximum amount of the commission is one thousand rubles or 30 dollars). You can see the commission for other countries at contact-sys.com.
Contact money transfer provides fast and reliable.
The Unistream payment service first appeared on the Russian market in 2001. After the appearance, the service quickly began to gain popularity among the population. The reason for the success was the establishment of a minimum commission rate of 1% of the payment amount.. Thus, Unistream began to carry out money sending operations cheaper than anyone else in Russia and the CIS countries, thanks to this, the represented organization currently occupies a leading position in the financial transactions market. You can carry out an operation in Unistream in one of the 280 thousand branches located around the world.
Advantages:
- Working with terminals. You can send money using the Unistream payment program using Qiwi terminals, which are located in almost all major shopping centers in Russia. Thus, the sender will not need to fill out the documents and spend time visiting the branch.
- Low commissions. Offers its clients to carry out transactions with money at the lowest commission deductions. So, if you do not want to overpay large sums of money, then contact the organization represented.
- 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 providing money transfer services to its clients. Here, everyone can make a money transfer without leaving home using an 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 operation, the company charges the client a commission in the amount of 1% of the payment amount.
- Currency exchange. The company offers its customers the opportunity to convert rubles into dollars or euros at the current exchange rate. Exchange rates are presented on the website of the company koronapay.com.
- Repayment of loans. With the help of the Golden Crown service, customers get the opportunity to pay off their current debt in many Russian banking organizations, as well as in the largest MFIs.
"Golden Crown" online transfers are also carried out.
Blitz is a payment system developed by Sberbank. The system was developed recently, but has already gained immense popularity among the bank's customers. The main advantage of the system is the use of modern technologies and communication channels, which allow to achieve a high speed of money transfer.
Types of transfers:
- Urgent. This type of transfer 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 fees:
- commission for an urgent transfer is 1.5% of the payment amount;
- commission for international transfer is 1% of the amount;
- cancellation of the operation - 150 rubles.
MoneyGram is one of the leaders in the international express money transfer market. The company was founded 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 around the world.
How to make a transfer using the presented service:
- Go to the nearest branch of the company.
- Present your passport.
- Fill out an application.
- Deposit money. After payment, the client will be provided with a special number, which must be reported to the recipient to confirm the operation.
Moneygram offers money transfers to everyone who has a passport.
Video “How money transfer systems work”
