Some residents of the Russian Federation may need to send personal finance to another country, for example, to Belarus. Russian citizens are interested in the question of how to send money as profitable as possible.
This can be done in several ways, but the most popular option is to use the services of Sberbank.
It is not possible to send money directly from a Sberbank card to a Belarusian card.
But the bank offers other methods of sending funds:
- Urgent international cash transfer "Kolibri". In this case, you can send funds without creating a new account. Sending is done at the bank's office. In time, the procedure takes no more than an hour. Both the recipient and the sender are charged a 1% commission.
- Fast international MoneyGram transfer. The transaction is completed within 10 minutes. The percentage for the procedure depends on the amount of the transferred funds. Sending up to $ 100 is charged 2%, up to $ 300 - 3% and so on.
- International transfer to a bank account or cash transfer. The procedure is completed within two working days when sending cash and within 24 hours when transferring to a card or account. The transaction fee is 2% if the amount is sent in rubles, and 1% if currency is used.
- International wire transfer from account to account. The operation is performed in rubles, euros, dollars or another currency. The operation takes up to two working days. Commission for a transaction in rubles - 2%, for a currency transfer - 1%.
A favorable option is the Blitz service from Sberbank. This option is suitable for those citizens who are clients of Sberbank.
Blitz is a system that allows Sberbank customers to send funds not only to other regions of the Russian Federation, but also to nearby countries. A distinctive feature of this service is its efficiency. Funds are transferred almost instantly. Already an hour after the completed transaction, the recipient can pick up the money at the bank branch.
This service is not free. For each transfer made, the bank takes a percentage of 1.75% of the transferred amount. But at the same time, the percentage cannot be less than 150 rubles and cannot be more than 3,000 rubles. You can send no more than 500,000 rubles at a time.
In addition, Sberbank makes it possible to send wire transfer from RF to Belarus. To do this, a person needs to come to the Sberbank office with a passport. The manager should inform the recipient's account details and give the required amount. The deadline for sending finance is two days.
Transfer from an Alfa Bank card to a recipient's card
Virtual transfers are much easier if the sender and the recipient have cards from the same bank. Alfa-Bank enables its clients to transfer money from card to card, including from Russia to Belarus.
If there is the required amount on the card, then you can simply make a transfer. All this is done in online mode... But there are some restrictions, for example, it is possible to transfer no more than 75,000 rubles at a time, and no more than 500,000 rubles in 30 days.
To complete the operation, you will need the details of the sender's card and the person receiving the funds. You will also need to indicate the PIN code of the card. The procedure is performed on the Internet, that is, a personal visit to the bank's office is not required.
When filling out all the columns, the transaction fee is calculated automatically, in the amount of 1.95% of the transferred amount.
Transfers through other payment systems
There is another option for sending funds - this is the use of various payment systems. The most popular and demanded systems are:
- Western Union;
- Contact;
- Migom.
Each service has its own characteristics.
Western Union
This system has been popular for many years. Thanks to the service, it is possible to make a transaction without opening an account. You can receive funds within a couple of minutes after sending them.
The commission for a completed transaction ranges from 1 to 1.7%. It depends on the amount of the transaction and on the type of currency. To receive a transfer, you must submit a passport, fill out a special form, indicate the transaction number, amount and other information. This method is considered to be as reliable and simple as possible.
Contact
Operations through this system are performed in the same way as in Western Union. There is no need to create additional accounts. But this option is valid until the limit, which for Belarus is equal to 500 base values (the base value is determined by the exchange rate).
If a person exceeds this limit, you will need to create a personal account. At the same time, registration takes place with the Department of Humanitarian Affairs. Written permission from this Department will be required to receive and cash out finances.
When making a transaction, a commission is paid in the amount of 3% of the transaction size. Translation lasts from a few minutes to a day. To receive you need a passport, transfer number, amount. This system is not as simple as Western Union and has some complexities.
Migom
In this system, as in the previous case, there is a limit on the transfer amount. If this limit is exceeded, you will also need to open a special account. But the base values are reduced to 100.
It will take only a quarter of an hour for the funds to reach the recipient. The commission depends on the currency of the transaction. When sending rubles, the commission varies from 1.5 to 2%. When sending foreign currency the commission is from 2 to 3%. To receive funds, you must have a passport and an application for receiving finance.
As you can see, there are many options for sending funds from Russia to Belarus. Each client independently chooses the system with which the procedure will be performed.
We check the quality of service in Belarusian banks. Today we will test transfers to the card BPS-Sberbank... Let's find out how to transfer money instantly, and how to transfer money without commission.
First, we call the bank's contact center.
- Good afternoon. My name is Alina. How can I help you?
- Hello. I need to transfer money to your bank card. How can i do this?
- You want to transfer from a card of some other bank, right?
- I have 2 translations. One transfer from a card of another bank to your card, and the second - from my BPS-Sberbank card to another BPS-Sberbank card.
- In this case, if you use the Internet bank of our bank, you can transfer funds remotely to personal account... If you have a salary package, or for personal purposes, you have drawn up a "Classic" or "Status" service package, or you have a ComPass card, then there are several transfer options Money without any commissions. Do you know what kind of card you have?
A few minutes later, we found out that I have the most ordinary card, which means that for a transfer to another client of the bank, they will still take a commission from me - 1.8% of the amount.
— This is the usual debit card, not in the package of services is issued, therefore a commission will be charged - this is 2BYN, if to the card of our bank,- explained the specialist.
- If it is through the Internet bank?
—Yes, that’s if through Internet banking. The card number and the validity period of the recipient's card are indicated there.
- Is it possible by phone number?
—Yes, you can also call the phone number, if the client of our bank ...
- And if from a card of another bank?
- If you transfer funds from a card of another bank, then you can also remotely, without leaving your home, through the ERIP system. It indicates either the contract number or the invoice number in the formatIBAN. It will be free of any commissions.
— It's clear. How fast?
- As soon as the money is credited to our bank, the funds are immediately credited to the account. As a rule, no later than the next business day.
- That is, not instantly?
- No, not instant translation.
- Can't you transfer to your bank card instantly?
- If you use an info kiosk. In this case, the recipient's card number is indicated, it is possible from a card of another bank, as well as in cash. It will be an instant recharge without commissions.
The first transfer is from a card of another bank to a BPS-Sberbank card
On the advice of a specialist, we used the ERIP system.
Transfer without commission, we only needed to indicate the account number, which can be found in the Internet bank.
Despite the fact that the contact center specialist said that the transfer was not instant, the money on the card arrived very quickly. I think we are very lucky.
It should be noted that the contact center specialist spoke in some detail about transfers.
However, to transfer from a card of another bank, I was offered only one "non-instant" option - the ERIP system. But this is not the case.
In fact, BPS-Sberbank has its own transfer system "Translate for me", the money should come instantly, however, for such a transfer they will take a commission of 1.8%, and for transfers you can only use Mastercard and Maestro.
The second experiment - transfer between BPS-Sberbank cards
For the second transfer, the specialist advised using transfers in the Internet banking system with a commission.
In chapter "Catalog" choose "Transfer to a private person".
You can transfer money both by card number and by phone number. I used the second option. The system automatically found the recipient, so I just had to verify the name and card number.
It remains only to confirm the transfer of SMS. The money was on the recipient's balance at the same moment!
Personal opinion of the correspondent
The consultation turned out to be incomplete, the girl suggested using the ERIP system and transfers in the Internet bank for translation, but she did not tell about the “Translate to me” transfer system!
Despite the fact that the transfer through the ERIP system is "not instantaneous", the money can come only the next day, it turned out to be on our balance very quickly.
If you use the “Transfer to Me” service, the transfer will be instant, but with a commission and only between Mastercard and Maestro cards.
As for intrabank transfers, they are also instant, it's a pity that you have to pay a commission. :(
Test result - 22.5 points out of 50 possible
| Evaluation Criteria for the Competition | BPS-Sberbank | |||
| By phone | Time of waiting for a response from the Contact Center on the line | 1 point - 3.5 minutes 2 point - 3 minutes 3 point - 2 minutes 4 point - 1 minute 5 points - less than 30 seconds |
MAX 15 | 5 |
| Completeness of information, received from the Contact Center |
... did you offer options for transferring between cards - 5 points (if more than one) | 5 | ||
| ... told about each option in detail and named the commissions - 5 points | 2,5 | |||
| ... offer only offline transfer options (info kiosk or bank branch) - minus 2 points | 0 | |||
| Online transfers within one bank | Transfer speed from this bank's card | ... 3 points - during the day |
MAX 40 | 10 |
| The cost of transfer from a card of this bank | ... 0 points - any commission ... 10 points - free |
0 | ||
| Online transfers from a card of another bank | Transfer speed from a card of another bank | ... 0 points - the next day and longer ... 3 points - during the day ... 10 points - within half an hour |
10 | |
| The cost of transfer from a card of another bank | ... 0 points - more than 1% ... 5 points - less than or equal to 1% of the transfer amount ... 10 points - free |
10 | ||
| Is it possible to transfer online between cards of different banks for all payment systems (Visa, Mastercard, BELKART) - minus 10 points (for the absence of one of the systems) | -20 | |||
| Maximum number of points | MAX 55 | 22,5 | ||
The advantage of modern banking system is its globality, thanks to which clients can transfer funds not only within the country, but also to any bank in the world. Given that Belarus and Russia are on friendly terms, their citizens may need to transfer funds. One such option is the one that allows you to transfer money to Belarus through Sberbank, but customers ask if this can be done through an online system.
On the possibility of transferring funds from Russia to Belarus through Sberbank
If customers want to send money to Belarus directly to a bank card in this country, then they will be refused, because this simply cannot be done. Although Sberbank is present in Belarus, it is impossible to make a direct transfer to its card, and it is necessary to use international systems... As in other countries, funds can be transferred in cash or from an account, including using Internet banking.
Transferring money from a Sberbank card to Belarus is not a difficult event if the person knows the recipient's full name, bank details and other official information. First, you need to take the data from the recipient of funds, which he has the right to request from his bank. You can transfer all the information via the Internet or by phone, after which the Russian must provide the details to the cashier or enter them in Internet banking.
Available methods
Even taking into account the fact that BPS-Sberbank, operating in Belarus, has been a subsidiary of the Russian Sberbank since 2009, the client is not free from the need to use international payment systems. You can transfer money from Russia to Belarus through Sberbank in several ways:
- transfer of cash through the "Kolibri" system;
- MoneyGram;
- international transfers in cash or non-cash ways.
The first method, using the Kolibri system, allows you to send money without having to open a new account with Sberbank. To send it, you can go directly to the office of the company and transfer the money to the cashier or consultant. The transfer procedure will be carried out within an hour, although usually the money is transferred earlier. A special feature is that both the sender and the recipient pay a commission in the amount of 1% of the transfer amount.
The international system MoneyGram makes it possible to send money, which will be received by the addressee in 10 minutes, however, it is impossible to transfer money from a Sberbank card. But the percentage in this case is quite high, since the funds are transferred in foreign currency, usually dollars. With an amount of up to $ 100, the fees will be 2%, and with larger amount the percentage will be higher, for example, from $ 100 to $ 300, you will need to overpay 3%.
International cash transfer and cashless way is carried out in a period of up to two working days, while the money will be sent per day if the transfer is made to a card or account. You should pay 2% for the transaction, if it is made in rubles, when sending currency, you will need to overpay 1% of the amount. Previously, Sberbank offered its customers the Blitz service, which later became known as Kolibri.
Important! On the this moment this is one of the most quick ways, because the money is available within 10-20 minutes after sending. Both rubles and dollars with euros can be sent. The main thing is that a commission of 2% for a transaction in national currency and 1% for transfers in foreign funds is paid.
Is it possible to transfer money through Sberbank Online
When transferring money between clients of Russian banks, there are no problems, and through Sberbank Online you can perform such a task. But the situation is changing when money needs to be sent abroad, in particular, to Belarus. The fact that there is a subsidiary of Sberbank in this country does not negate the fact that these are different legal entities posted in different countries... Therefore, it is impossible to transfer money to Belarus through Sberbank Online, and you need to use other international systems for this.
They, in turn, require only a visit to the department, and, depending on the system, different lists of documents will be required. For example, the easiest way would be to create a translation of "Hummingbird", which can be sent to Belarus and Kazakhstan. In addition to the passport and name of the recipient, no data is required. SWIFT transfer will be less convenient, because, in addition to the passport, you need to know the name of the bank where the addressee will receive money, as well as its SWIFT code. In addition, you must also provide the address of the recipient or his passport data.
MoneyGram, which requires a higher commission, will require a smaller list of data. So, the client will manage only with his own passport and the name and surname of the recipient, written in Latin letters. But it will be possible to receive a transfer from abroad through Internet banking, if the company allows it. Then you need to go to the section of payments and transfers, and then enter the required transaction details.
Alternative options
In addition to official banks, there are no less legal methods, which, in particular, are payment systems. Of these, the most international is WebMoney, which operates in most countries of the world, and if a client replenishes an account and then sends funds to another user of the system, the operation will take place without any codes and additional data.
The problem is that you first need to enter personal data in account and confirm it with your passport data. But the check takes place quickly, and to make a transfer, you only need to know the user's wallet number, while new ones open instantly and do not require additional confirmation. In addition, you can link a card of any bank to your account and then immediately transfer money directly to it. The transfer fee is set at 2-3% of the amount, which is quite tolerable compared to other options.
If the intrabank systems and WebMoney do not suit the client, he can use additional transfer systems, one of the most convenient is Western Union. Almost every bank in the world is connected to it, and Belarusian institutions are no exception. To work with it, you do not need to open an additional account, and the funds come to the addressee within a few minutes after sending.
The commission of this method will amount to a maximum of 1.7%, and it depends on the size of the operation, as well as the type of currency. To receive a transfer, the receiving party must present a passport and fill out a special form. It indicates the number of the transaction, its amount and other information, so the method is quite simple and reliable.
Conclusion
There are several ways to transfer funds from Russia to Belarus, but you must definitely come to the Sberbank office, since such a transaction cannot be performed through its online system. A person can choose several systems and ways of transferring funds, which differ in commission and deadlines for completing the task. At the same time, there is a transfer that works only in the subsidiary banks of Belarus and Kazakhstan - "Kolibri", it allows you to receive money in 10 minutes and even credit it to the card via Internet banking.
Sberbank - KOLIBRI transfers
Kolibri transfers within Ukraine, as well as between Ukraine, Russia, Kazakhstan and Belarus will soon be discontinued, as Sberbank of Russia sells subsidiary bank Sberbank of Russia JSC (Ukraine).In October 2016, a number of Russian payment systems (including Kolibri) came under extended sanctions by Ukraine, in response to this, on March 22, 2017, the State Duma in the third reading adopted amendments to the federal law"About the national payment system", Banning cross-border Money transfers from Russia to Ukraine using foreign payment systems. The law is signed by Putin.
Of all types of money transfers in Russia, urgent translations cash "Kolibri" of Sberbank of Russia is considered one of the youngest. This type of transfer appeared in early 2013, when Sberbank re-branded the Blitz money transfer system popular among the population, which received a new life as urgent cash transfers Kolibri. The conditions for processing this urgent translation have been significantly improved.
Hummingbird logo
So, KOLIBRI, these are urgent cash transfers of Sberbank of Russia, which are carried out both between Sberbank branches in Russia and between Sberbank of Russia and its subsidiary banks abroad, as well as within one of the subsidiary banks. Transfers are made without opening an account (by both the sender and the recipient).
The KOLIBRI urgent transfer system of Sberbank of Russia consists of several types of money transfers, namely:
- Transfers within Russia - urgent cash transfers between Sberbank branches across Russia.
- Transfers abroad - international urgent money transfers between Sberbank of Russia and its subsidiary banks abroad.
- Transfers within Ukraine - urgent cash transfers between branches of Sberbank of Russia JSC across the territory of Ukraine.
Banks involved in making Kolibri transfers
The branch network of participants in the Kolibri transfer system consists of 4 banks:- OJSC "Sberbank of Russia" ( the Russian Federation) - with a branch network that provides reception and delivery of transfers in more than 10,000 branches of the bank. Sberbank carries out transfers within Russia and transfers abroad. The list of branches of Sberbank of Russia that carry out money transfers "Kolibri" can be viewed
- SB JSC "Sberbank" (Republic of Kazakhstan)- with 33 service divisions that carry out transfers with Russia (Almaty, Astana, Aktau, Aktobe, Taldykorgan, Atyrau, Karaganda, Pavlodar, Uralsk, Kostanay, Ust-Kamenogorsk). The list of branches of SB Sberbank JSC that carry out international urgent money transfers "Kolibri" can be viewed
- Sberbank of Russia JSC (Ukraine)- with 160 branches of the bank, which are present in all regions of Ukraine (Kiev region, Crimea, Dnepropetrovsk region, Donetsk region, etc.). The Bank carries out transfers both with Russia and across the territory of Ukraine (within its branch network). The list of branches of Sberbank of Russia JSC that carry out these transfers can be specified
- OJSC "BPS-Sberbank" (Republic of Belarus)- with subdivisions in 46 cities of the republic (Minsk, Mogilev, Brest, Vitebsk, Gomel, etc.), which carry out transfers with Russia. The list of structural divisions of BPS-Sberbank can be viewed
I did not find information on any of the sites of the banks listed above that it is possible to make transfers between subsidiary banks of Sberbank of Russia directly using the Kolibri system. That is, for example, transfers from Kazakhstan to Ukraine or from Ukraine directly to Belarus are not made and this is a big minus of the system.
Conditions and commission for express money transfers KOLIBRI
The main conditions and commissions for KOLIBRI transfers, which operate in Sberbank of Russia and its subsidiary banks in 2013, can be divided into the following areas:
- Transfers within Russia
- Transfers abroad
- Transfers within Ukraine
- Terms and rates for KOLIBRI transfers in Russia
Transfers within Russia are urgent cash transfers of Sberbank of Russia, which are carried out between the structural divisions of the bank and are carried out:
- Terms and rates for KOLIBRI transfers abroad
№ Conditions / Member Countries Sberbank of Russia OJSC - from Russia SB Sberbank JSC - from Kazakhstan Sberbank of Russia JSC - from Ukraine OJSC "BPS-Sberbank" - from Belarus 1. Transfer currency KOLIBRI rubles, US dollars and euros rubles, US dollars and euros rubles, US dollars and euros rubles, US dollars and euros 2. Maximum amount of transfers during the day - for residents no more than 5,000 US dollars (equivalent);
- for non-residents 10.000 (Ten thousand) US dollars
USD 5,000 (at the exchange rate of the Bank of Russia on the day of the operation) USD 10,000. 3. Bank commission for transfer - when sending a transfer Hummingbird 1% of the amount, but not less than 150 rubles. (5 USD / EUR depending on the currency of transfer), max 3000 rubles, 100 USD / EUR. 1% of the amount, min 150 Russian rubles; 1% of the amount, min USD 5 / EUR 5 1% of the amount, min 150 Russian rubles; 1% of the amount, min USD 5 / EUR 5 4. Bank commission for transfer - upon receipt of Kolibri transfer 1% of the amount 1% of the amount 1% of the amount 1% of the amount 5. The term for the execution of the money transfer no more than 1 hour from the moment of registration by the sender no more than 1 hour no more than 1 hour no more than 1 hour 6. Additional service (Recipient notification) informing the recipient at the request of the sender by phone about the fact of receiving the transfer in his favor - 10 rubles. 50 tenge No No 7. Cancellation of the transfer (until the recipient calls for the transfer) RUB 150 750 tenge UAH 30 RUB 150 - Terms and rates for KOLIBRI transfers within Ukraine
How to send a transfer to Hummingbird?
To make a transfer through a Sberbank branch, the sender will need:- Visit the branch of Sberbank, which carries out transfers "Kolibri".
- Submit an identity document.
- Provide the bank employee with the necessary data:
- Surname, name and patronymic of the recipient of the money transfer;
- security question and answer for the recipient (if desired);
- his number mobile phone and / or the recipient's phone number (it is not necessary to indicate) - then the sender will be informed free of charge via SMS about the receipt of the transfer, and the recipient will be informed about sending or canceling the transfer.
- Carefully check the transfer application completed by the Sberbank operator and sign it.
- Enter the transfer amount and the commission amount to the Bank's cash desk.
- Receive a receipt, which contains the control number of the transfer.
- Provide the recipient with the control number of the transfer independently.
How do I get a Hummingbird translation?
To receive a Hummingbird transfer, the recipient must do the following:- Visit any branch of Sberbank or a subsidiary bank that issues such transfers.
- Show your passport or other identity document.
- State the control number of the transfer and the answer to the security question (if any) and the name of the sender.
- Get a translation.
- At international transfers- pay also your part of the commission for receiving the transfer.
How to check the status of the transfer
It is not possible to check the status of the KOLIBRI transfer through the Sberbank website, since there is no such service.Instead, Sberbank invites the sender, and only if he wishes, to indicate in the application his mobile phone number and / or the phone number of the transfer recipient, i.e. this bank service is optional.
In this case:
- the sender will be informed free of charge via SMS about the receipt of the transfer,
- recipient - SMS message about sending or canceling the transfer.
How to fix mistakes made during translation
Payment of the transfer is not made if the sender of the transfer when filling out the "Application for transfer" indicated incorrect data of the recipient, i.e. when the name of the recipient and / or passport data of the recipient does not match the data entered into the system at the direction of the sender.In this case, the sender has the right to amend the data of the recipient of the transfer in terms of changing the last name and / or first name and / or patronymic of the recipient, upon presentation to the bank:
- receipts / receipts cash order 0402008 with the control number of the transfer issued during the execution of the transfer.
- will correctly indicate the control number of the transfer,
- and the data of the document proving the identity of the sender of the transfer will coincide with his data (client data) specified in the details of the transfer when sending it.
- different spelling in the details of the transfer and the details of the identity document of the recipient, the letters "E" or "E" and the letters "I" or "Y",
- the same spelling of letters in Latin and Cyrillic. For example, "P" (Latin) and "P" (Cyr.).
- absence or presence in the details of the full name - a space or a hyphen.
Canceling bank transfer Hummingbird
The sender has the right to cancel the transfer unclaimed by the recipient and return his money. True, the commission for processing the transfer is not refundable, in addition, the sender will additionally pay for the service to cancel the transfer.Cancellation of an unclaimed transfer is carried out in the structural unit of Sberbank of Russia / Respondent that accepted the transfer, upon presentation of:
- identity document,
- receipts with the control number of the transfer.
- A written application is drawn up in any form addressed to the head of the branch of Sberbank of Russia / structural unit The respondent who accepted the translation.
- The bank is checking primary documents on the accepted transfer, after which permission is obtained from the head of the respondent's structural unit / structural unit / branch of Sberbank of Russia to pay money.
- The payment is made to the sender.
