Urgent money transfers. What are fast money transfers. "Golden crown": for large amounts

Instant transfers have become an integral part of our financial life. We send money to friends and relatives who live in other Russian regions, countries of near and far abroad. Instant money transfers will not require you to perform complex banking operations, to move funds, you do not need to open a special account and spend money on its maintenance.

Instant transfer systems

The following money transfer systems have become popular in our country:
Western Union;
Unistrim;
MoneyGram;
Blizko;
Contact;
Migom;
Russian Post.

Translations will allow you to:

• send money anywhere in the world;
• spend no more than 15 minutes on money transfers;
• save on commissions for making a transfer;
• be confident in the reliability and safety of the translation;
• use the simplest mechanism for processing the transaction.

How do I send a money transfer?

If you want to send an instant transfer, you need to come to a service point. It can be Russian Post, or any bank, Zolotaya Korona service points, Contact.
For example, you want to send a transfer to Ukraine for your relatives. You will need a passport or other document that identifies you. In addition, you will need to provide the details of the recipient of funds and announce the transfer amount.
Next, you enter the transfer amount, taking into account the system commission, to the cashier. And that's all. The money comes to the recipient within a few minutes.
A relative must contact the nearest collection point to receive funds. The recipient needs to take a passport. Issuing money takes a few minutes. Some systems require the recipient to pronounce a code word or transfer number. If this is a prerequisite transfer, do not forget to inform the recipient about it.
Instant transfers are a fairly convenient tool for transferring money within the country and to neighboring countries. You've probably heard that the flow of remittances to Armenia, Tajikistan, Kyrgyzstan is increasing every year. What do you think is the reason? Yes, you guessed it with the development of instant transfer technologies by foreign workers. They were the first to appreciate the convenience of this method of moving money.

How much do instant money transfers cost?

You will have to pay a commission for transferring money, its size varies greatly - from 0.4 percent of the transferred amount to 6 percent. The amount of the fee depends on the direction of the transfer and its amount.
Now let's talk a little about the largest instant transfer systems.

Western Union

An instant money transfer by Western Union can be carried out both in favor of legal entities and individuals to all countries of the world. The convenience of the system lies in the wide geography of transfers.

You can transfer money from a bank card, deposit in cash, or use the Internet banking service. The commission for the transfer is withheld from 0.5% to 2% of the transfer amount, from 100 to 5000 rubles of the transfer amount, the commission will be only 100 rubles. The developed infrastructure of service points makes the system quite popular in Russian regions and the CIS countries.

For the transfer, it is enough to present any document proving your identity, indicate the full name of the recipient, the country of destination and the city to which the transfer will be sent, it is also possible to indicate a control question with an answer to it, for greater security of the transfer. It is also possible to provide the translation with a text message, and there is a service of message by phone to the recipient about the transfer or delivery of the receipt to the house. To receive cash, the recipient of the transfer must contact any Western Union service point and have a document proving his identity, indicate the full name of the sender, the country of origin of the transfer, and if a security question is specified, then the correct answer to it, as well as the transfer code. Then you will be given cash. The disadvantage of Western Union is a rather high fee for the company's services, all transfers are made in dollars.

gold Crown

You will definitely like Golden Crown transfers if you are planning to transfer money natural person without specifying a specific address. For the transfer, you need to present a document proving your identity, indicate the name of the recipient, the country and city of residence of the recipient of the transfer. At the same time, the recipient can, at his will, choose the nearest point of issue of money serving transfers of the Golden Crown. The control code comes to the recipient in the form of a message to mobile phonespecified by you. For free sms information, you must indicate the recipient's phone number. This is quite convenient because does not require additional effort on your part.

40 thousand service points located in the countries: Abkhazia, Belarus, Azerbaijan, Kazakhstan, Georgia, Kyrgyzstan, Russia, Moldova, Uzbekistan, Tajikistan and Ukraine. Restrictions on the transfer amounts in the rules of the Golden Crown service depend on the legislation of the recipient's country. Transfers are made in any currency, the exchange takes place at the rate of the Bank of Russia at the time of the transfer. The translation storage period is 60 days. If the transfer was not requested, after this period the sender should contact the place of sending the transfer himself.

The disadvantage of the Golden Crown is the lack of a single pricing policy. Each of the agents sets the size of the commission independently. At one point, you can send a transfer with a commission of 0.5 percent of the amount, and at another, pay 1.5 percent.

Unistrim

Unistrim is a money transfer system. Allows you to send money to foreign countries and make transfers within Russia. Unistrim has more than 100 thousand service points in 90 countries of the world. At the same time, the system does not provide for any restrictions on the amount transferred. To make a transfer, you will need to present a document proving your identity (for transfers up to 15,000 rubles or the equivalent in foreign currency, no ID is required). Indicate the country and city of the recipient, as well as his full name, receive a copy of the "Application for transfer without opening an account" from the bank employee with the specified transfer control code. Provide the recipient with the transfer control code and your full name. However, if you are a non-resident and want to transfer money in the amount of more than 75 thousand rubles, a migration card will be required from you. The currency for transfers within Russia is rubles, abroad you can use dollars and euros. Currency exchange takes place at the established rate of the service.

Money can be transferred to a specific postal address or to the addressee's name. Your funds will reach the recipient a quarter of an hour after sending. The commission for the transfer will depend on the amount and direction of the transfer, the commission for transfers to the CIS countries is only 1% of the amount, there is no minimum wage.

MoneyGram

You will only like MoneyGram if you plan to transfer money in US dollars. More than 327,000 branches in 198 countries. For transfers to CIS countries, the commission is only 1% of the transfer amount. In general, commissions charged for transfers range from 1% to 12% depending on the direction and amount of the transfer. In principle, you can come to the reception point with Russian rubles, they will be exchanged for foreign currency at the rate set by the service. But in this case, you run the risk of exchanging money at an unfavorable rate.

The sender must present an identity document, fill out a simple money transfer form, the form that will be given to you at the point of transfer, after receiving the receipt and the control number of the transfer, inform the recipient of this transfer number.

The recipient needs to contact the MoneyGram service point, name the transfer number and present his / her ID, after which you will be given cash.

Prohibitions and restrictions when making transfers

When transferring money through an instant money transfer service, do not forget about the current prohibitions in this area:

1. You cannot transfer funds over $ 5,000 to foreign countries at a time;
2. You cannot use money transfer systems as a means of payment for entrepreneurial and other activities related to the extraction of profit.

A special category of money transfers are transfers made through instant payment terminals, such a service is provided, for example, by the Zolotaya Korona system. This translation is anonymous and does not require you to present your passport. However, lawmakers plan to limit the amount of transfers through such devices to three thousand rubles.

What are the criteria for choosing an instant transfer system?

When choosing a money transfer system, follow these simple but effective rules:

1. The method of sending funds should be convenient for you. If you love cash, choose the Golden Crown; if you are friends with internet banking, choose Western Union;
2. Location of the nearest point of issue in relation to the recipient of funds. If the point for issuing money for Unistream transfers is located only in the nearest city, it is hardly worth giving preference to this system;
3. Transfer time. Maximum terms transfers are typical for Russian Post, all the rest monetary systems implement the service within a few minutes;
4. The commission for making the transfer should be low, otherwise you risk incurring additional costs;
5. The fewer restrictions in the system, the better. Otherwise, you risk facing unforeseen problems and losing valuable time;
6. Choose a system that has been on the market for many years.

Today instant money transfers are a very convenient, and most importantly, a reliable way to move your funds over distances. Efficiency and inexpensive cost makes this service available to every resident of Russia. How to choose a money transfer system, the services of which agents you used, we suggest discussing on the pages of our blog.

Every day, thousands of people are faced with a situation when they urgently need money, but there is no opportunity to get them on credit. So they call their relatives or friends asking for a loan. But if a person is abroad or in another city, he needs to use such a financial instrument as a quick remittance.

Dear Readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how to solve your problem - contact a consultant:

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The essence

For a quick transfer of funds to a person who lives in another region or country, it is more convenient to use the offers of credit organizations.

Money transfer is a universal system that is a remote transfer of funds to a client's bank account or to an individual's name in case of refusal to open an account with a credit institution.

The transfer may be carried out in various ways:

1. through a bank account, if both parties have one;
2. without opening an account;
3. type "mixed", when one of the recipients has an account, and the other does not.

In Russia, the view without opening an account is more popular, since this requires the execution of various documents and a waste of time. Such proposals are in the financial institution "Sberbank". Many transfers can be obtained from Euroset. However, such transfers are not available when transferring funds abroad.

Without opening an account - a system that allows you to transfer funds quickly and often online without leaving your home. The popularity is due to the speed of sending and receiving. To receive, you must provide only a passport. Another advantage is a wide selection of institutions where you can receive the money sent.

As a rule, such transfers are carried out by specialized or authorized companies, while they exist only for servicing individuals without opening accounts.

Such companies have certain internal policies that describe their own rules for receiving and transferring money. Moreover, such organizations must have the appropriate accreditation and license from the Central Bank. Russian Federation.

The job of such organizations is that the client transfers money through their portal or office. Then, the region to which the payment was sent accepts the funds and, after presenting the passport, they are issued to the recipient.

Some institutions allow in this way to pay loans and transfer in favor of legal entities funds for payment of services or goods. The system allows making transfers both addressed and unaddressed.

The latter allow you to receive money at any institution, regardless of the region. With the address system, everything is simpler - the sender fills out the document himself and indicates the delivery address.

Views

At the moment, there are several varieties in the money transfer system:

1. bank allowing payment through a credit institution;
2. postal, which is carried out in the post offices of Russia;
3. internet money that allows you to pay for goods or transfer funds to an individual in electronic currency.

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Popular fast money transfers

Fast money transfers can be obtained from various accredited institutions. So where can you get the money order? All people choose the type of money transfers based on the internal and individual characteristics of the financial instrument.

The most popular are:

1. The Golden Crown allows you to make transfers within the Russian Federation and the CIS countries. Such financial instruments can be used as repayment of credit obligations and replenishment of deposits. In this case, a special card is issued that allows access to the transfer information. This allows you to reduce the time for sending and receiving. Such transfers are carried out by Uralsib and SMP Bank;
2. The contact allows you to make a money transfer to an individual, pay off loan obligations by transferring funds to an account financial institution, as well as pay for goods and services of a legal entity. They have more than 40 thousand service points. Among credit institutions, transfers are made by Express-Credit, VPB, Eurokommerts;
3. The leader allows you to make various transfers between individuals. In some cases, funds are transferred to legal entities as payment for providers. Gazprombank, VPB and Investbank become partners of such a system.
4. Western Union is one of the most popular types of money transfers due to its spread throughout the country and abroad. In this connection, Western transfers are carried out both to Crimea and from Ukraine to Russia. It has offices in more than 150 countries around the world. Produced only between individuals. Many credit institutions work with such a system, including Gazprombank and the Bank of Moscow.
5. Unistream allows you to make a payment in favor of an individual, as well as in favor of legal entities to pay for a service. Transfers are made to 100 countries of the world. Bank GOROD, Evrokommerts, VPB cooperate with such a system.
6. Hummingbird allows you to make payments to an individual. It is also allowed to pay for goods of legal entities by transferring funds through a specific system. Many credit institutions cooperate with this type, including the Military-Industrial Bank, Eurokommerts.

How the express system works

Fast transfers is the optimal program for those who wish to receive money in short time and without opening a current account. The transaction takes place only with an identity document.

The recipient must also present a passport and state the secret code that the sender provides when sending. Funds are transferred within an hour. Companies making such payments have a wide network of representative offices throughout Russia and other countries.

Where to go

Fast transfers are carried out not only through the Russian Post. Now the Central Bank of the Russian Federation has accredited many financial companies, thereby allowing such activities to be carried out.

A few minutes after the transfer, the funds are credited to the account of the financial institution. The cost of such a service is on average 1-6% of the transfer amount.

Before sending such a payment, the sender must familiarize himself with the current tariffs.

The most optimal systems for fast money transfer are:

The maximum amount for sending becomes $ 5,000, while the minimum commission amount is 1% for transfers within the Russian Federation and 2% for transfers within the CIS.

Also, some banks, including Sberbank, offer urgent transfers "Kolibri" for the transfer of cash in Russia, Belarus, Kazakhstan and Ukraine. The transfer is carried out in national currency, dollars and euros.

The maximum transfer amount within Russia is 500 thousand rubles, beyond the limit - 5,000 dollars for residents and 10 thousand dollars for non-residents. The commission for such an action is 1.5%.

Western systems

Specialized systems of Western partners allow making transfers abroad on the territory of the Russian Federation. Moneygram is only being introduced into the financial instruments of Russia, therefore it does not have sufficient popularity among individuals.

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 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 is worth noting 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 willing 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 1,000, up to 250 rubles + 1.5% to half a million.

This means that you have to pay 90 rubles (9%) commission for sending 1,000 rubles. 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 practically 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 commission of 1000 rubles.

System tariffs

You can pick up the money a couple of hours after sending. You just need to know the transfer code and have a passport. Some systems allow you to receive a transfer 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 across 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, a user must pay up to 3-4% of the amount for receiving banknotes.

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 commission for sending.

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 receipt.

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.

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

Dear Readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how to solve your problem - contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and WITHOUT DAYS.

It is fast and IS FREE!

Numerous systems of fast money transfers of the international level and those that work predominantly are ready to provide services for a commission, the amount of which will depend on the amount sent and the destination.

Transfers are carried out in about 10–20 minutes, very rarely money is received within an hour.

suggestions

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

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 finance is carried out without opening a bank or other account.

Main conditions - minimum quantity required documents and data to send and receive.

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

It all depends on the method of sending and receiving, as well as the conditions that are put forward by the transfer system.

According to the legislation of the Russian Federation:

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

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

You can send funds in Russia in national currency, and abroad in national currency and foreign currency. The funds are issued to the recipient in the currency of the country where the transfer was sent.

But in some systems, the terms provide for shipment and delivery only in foreign or national Russia.

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

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

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

Fast money transfers

In addition to international money transfer systems, all banks in Russia offer to send funds quickly, each of them has 2-3 programs.

Offers from mobile operators also allow subscribers to send funds to each other or to cards from their personal phone account.

Across Russia

Besides the most popular systems within the country are the following services:

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

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

For convenience, customers on 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, you need to take into account that the commission is usually higher.

therefore international systems fast transfers beneficial to use for sending money to other countries.

The 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;
• others.

Sberbank

In Sberbank, fast money transfers in 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 respectively in the range of 150-1000 rubles. and 3 thousand rubles.

You can get money only in one of the branches of Sberbank. Funds are received within 10-60 minutes.

Western Union

It is the most widespread in the world, it can be used in 200 countries. Funds are received instantly.

Sending can be done at a bank that is a partner or in an official representative office. Sending is carried out after filling out the letterhead, a secret code is issued to the sender, which he informs the recipient.

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

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

Unistream

The points of sending and receiving money are located in Russia, the near abroad and far. 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 countries of distant direction 2%.

Clients can send money in one currency, and the recipient can be issued the amount 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 bank branches.

You can make an addressless transfer from the card 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;
• uS dollars;
• euro;
• lbs.

Contact

The domestic system of quick transfers is considered the cheapest and most widespread in Russia, it can be called the second most popular after Western Union.

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

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

Transfers are made in three currencies:

• rubles;
• euro;
• uS dollars.

A maximum of 500 thousand rubles can be sent across Russia. 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.

Under the terms of the Contact, the funds can be issued to the recipient in cash or credited to the card / current account.

In addition to the Contact points, the sender can independently make a transfer using a mobile through mobile partner operators, system terminals, from his card to the recipient's card through an online service.

Gold Crown

Cooperates with banks, retail outlets, mobile operators and other organizations, so you can send a shipment in any region of Russia.

At registration, 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 recipient country.

MoneyGram

You can receive or send a transfer at the offices of the system, partner banks, in Euroset or Svyaznoy salons. To send, you need to fill out a letterhead.

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

Anelik

You can receive money via express money transfer system 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 that is 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 - 3%.

Leader

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

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

Cyber \u200b\u200bMoney

It fully covers the territory of Russia, neighboring countries and far abroad. You can send 500 thousand rubles across Russia, and 100 thousand rubles abroad. 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 in one of the points or branch of the partner bank of money transfer systems, you must appear in person and present an identity document.

For sending, an application form is filled out, it indicates:

• data of the sender and recipient;
• 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's services are provided.

After registration of documents, the sender is given a control number, which he informs the recipient.

If the sender chooses the method of sending money using Internet banking, terminal, mobile or card to card, you can do it yourself. In this case, a passport is not required, and the recipient will receive the funds to the card / account or receive it in a standard way at one of the representative offices of the system.

Documents

Probably, every person has faced a problem when it is necessary to urgently transfer money to another city or country. Parents send money transfers to their children in universities, someone sends money to needy relatives, and those who have left to work in big cities send their salaries to their families. Compare.ru will tell you about different types money transfers: from the simplest and most convenient to the most profitable.

Postal orders

The most famous and oldest way to transfer money in Russia is postal order. Now Russian Post offers its customers several options for sending funds to anywhere in the world using the CyberMoney service:
- accepting a transfer from the sender in cash in cash - payment of the transfer to the recipient in cash;
- accepting a transfer of funds from the sender to the settlement account of the Russian Post divisions - payment of the transfer to the recipient in cash;
- acceptance from the sender in cash - payment to the current account of the recipient.

CyberMoney system tariffs are quite high: for transfers within Russia they range from 1 before 5% + one-time payment for the transfer, and the cost of transferring abroad is 1-8% + one-time payment for the transfer. It should be noted that the larger the transfer amount, the lower the percentage charged for services, but the larger the one-time payment. The latter can be from 25 before 535 rub. For example, to transfer an amount to 10 thousand roubles. in Russia, the cost of services will be 235 rub. + 2% of the transfer amount - total 435 rub.

Among the advantages of this system is its availability for customers even in the most remote corners of our country. The main disadvantage is the speed of money transfer: from 2 before 10 days.

For urgent transfers, Russian Post offers the Fast and Furious service, which allows you to send money in an hour. So far, this system serves only the territory of Russia. Rates are higher here: from 1,7 before 10% , and only residents of large cities can take advantage of this offer.

Express transfers

Transfers using Western Union, MoneyGram, UNIStream, Annelik and others are becoming increasingly popular. The main advantage of these operators is that the transfer is carried out very quickly and the addressee can receive the money in a few minutes. The main disadvantage is high rates and limited geography. However, express transfer systems are quite successfully fighting the latter factor, actively cooperating with banks. Now in many branches of Russian banks there are branches of one system or another.

The most famous express money transfer system is Western Union. For translation in Russia of the same 10 thousand roubles. have to pay 225 rubles, which is certainly less than that of CyberMoney, but still amounts to 2,25% from the payment amount. Western Union interacts with leading Russian banks, including Sberbank, as well as with the Russian Post, which undoubtedly makes this system one of the most attractive for clients.

UNIStream is rightfully considered one of the cheapest express money transfer systems. The cost of services for sending money through this system is from 1-1,5% from the transfer amount.

Transfers from card to card

Today, card-to-card transfers through ATMs, self-service terminal devices and banks are becoming a good alternative to regular money transfers without opening a bank account. Naturally, such transfers are most profitable when both the sender and the recipient have cards issued by the same bank. As a rule, in such cases, there is no fee for the transfer of funds.

If the cards are issued by different banks, the transaction fee is 1-2% from the amount transferred and debited from the sender's account. Some other institutions also offer this service. It is not yet very well developed in our country. , for example, makes transfers only to "own" cards. It should also be noted that it is impossible to transfer money from card to card if they do not belong to the same payment system. That is, from Visa cards you can send funds only to visa card, and, accordingly, with MasterCard it is possible to transfer only to masterCard... There are other restrictions as well. For example, in Alfa-Bank, the amount of one transfer cannot exceed 15 thousand rubles, and maximum amount of all such operations per month should not be more 75 thousand roubles.

Internet transfers

It is relative the new kind translations. As a rule, it is tied to one of the express transfer systems (Western Union, MoneyGram, Annelik and others) and to the Internet service of a bank. Service rates generally correspond to the rates of these systems, and the transferred funds are debited from the sender's account. However, there are other options for making a transfer via the Internet. True, you can make a reservation in advance that this method is perhaps the most expensive. It is a translation electronic money: WebMoney, Yandex-money, RBC.Money and others. It is quite simple to make such a transfer by transferring funds from one wallet to another. But at the same time, the commission will have to be paid first for the transfer, and then for the transfer of this money to cash or to a bank card. As a result, the cost of such a translation can be equal to 10-15% of its amount.

Bank transfers

By far the most reliable way to send money remains bank transfers from account to account. However, it is not always possible to do it. It is necessary that the sender and the recipient have open accounts, and not everyone has them. It is advisable to have accounts with the same bank. Otherwise, the commission for such a transfer is no less than for express transfers. It should be noted that some russian banks (Sberbank and others) make transfers without opening a bank account. However, such transfers do not differ in cheapness, tariffs range from 1,5 before 10% , and besides, the speed of transferring funds also leaves much to be desired, funds can reach the recipient at least through 1 day.

Situations in life are different. Each type of money transfer has its own advantages and disadvantages. Sometimes speed is needed, someone appreciates convenience, someone needs anonymity, and someone is attracted by a low price. There is a good choice in this segment of financial services, and it is, as always, yours.