Probably every person has encountered a problem when they urgently need to transfer money to another city or country. Parents send transfers to their children studying at universities, some send money to relatives in need, and those who went to work in large cities send salaries to their families. Sravni.ru will tell you about different types of money transfers: from the simplest and most convenient to the most profitable.

Postal transfers

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

Tariffs of the CyberMoney system are quite high: for transfers within Russia they range from 1 before 5% + one-time payment for the transfer, and the cost of transfer abroad is 1-8% + one-time payment for transfer. It should be noted that the larger the transfer amount, the lower the interest charged for services, but the larger the one-time payment. The latter can range 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% from the transfer amount – total 435 rub.

Among the advantages of this system, it is worth noting 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 “Forsazh” service, which allows you to send money within an hour. So far, this system serves only the territory of Russia. Tariffs here are higher: 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, Аnelik and others are now becoming increasingly popular. The main advantage of these operators is that the transfer is carried out very quickly and the recipient can receive the money in just a few minutes. The main disadvantage is: high tariffs and limited geography. True, express transfer systems quite successfully combat the latter factor by actively cooperating with banks. Now many branches of Russian banks have branches of one or another system.

The most famous express transfer system is Western Union. For translation within Russia the same 10 thousand roubles. you'll have to pay 225 rub., which is of course less than CyberMoney, but still amounts to 2,25% from the payment amount. Western Union interacts with leading Russian banks, including Sberbank, as well as 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 ranges from 1-1,5% from the transfer amount.

Transfers from card to card

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

If the cards are issued by different banks, the transaction fee is 1-2% from the transferred amount and is 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 “its” 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 only send funds to a Visa card, and, accordingly, from MasterCard you can only transfer funds to a MasterCard card. There are other restrictions. For example, at Alfa-Bank, the amount of one transfer cannot exceed 15 thousand rubles, and the maximum amount of all such transactions for a month should not be more 75 thousand roubles.

Transfers via the Internet

This is a relatively new type of translation. As a rule, it is tied to one of the express transfer systems (Western Union, MoneyGram, Anelik and others) and to the Internet service of a bank. Tariffs for services correspond, as a rule, 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 online. True, we can make a reservation in advance that this method is perhaps the most expensive. This is a transfer of electronic money: WebMoney, Yandex-money, RBC.Money and others. Making such a transfer is quite simple by transferring funds from one wallet to another. But at the same time, you will have to pay a commission first for the transfer, and then for transferring this money into cash or to a bank card. As a result, the cost of such a translation can be equal to 10-15% from its amount.

Bank transfers

Undoubtedly, the most reliable way to send money remains bank transfer from account to account. However, this is not always possible. It is necessary that the sender and recipient have open accounts, but not everyone has them. It is advisable to have accounts in one 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 translations are not cheap; 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 in at least 1 day.

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

Do you have a certain amount of money accumulated on your phone and need to withdraw it? Why and how doesn't matter. The main thing is, is it possible to remove it and how to do it? And how much will this pleasure cost?

You won't be able to cash out money from your phone for free. All operators charge money for this. The only difference is the amount of commissions. And looking ahead, I will say that it may differ several times!

It all depends on 3 parameters:

• operator;
• amount withdrawn;
• cashing method.

If you are looking for an answer to a question,

how can you withdraw money from your phone to a card (for example, Sberbank) without commission

I'll disappoint you. You won't find this way. I searched and the result was negative.

The percentages for withdrawals stated on websites on the main pages do not accurately reflect the real picture. Usually it is indicated from….%, that is, the minimum percentage. In fact, it can be increased by 50-100% for sure.

I also had this need. Several tens of thousands of rubles are stuck on the Internet. And they had to be transferred somewhere. Therefore, we had to conduct a comparative review of the possibilities for withdrawing money from a phone from the main mobile operators:

• Tele 2;
• Beeline;
• Megaphone.

You can find services online that provide similar services. But it is still safer to use the services directly from official representatives.

I decided for myself that if the size of the commissions varies greatly, then I will create an additional new number with the desired communication provider and will carry out withdrawals at the lowest cost.

So, let's go - how you can withdraw money from your phone with minimal losses.

The required minimum 5% commission from Beeline is achieved only when transferring from 5561 rubles.

It is generally not profitable to withdraw small amounts. The withdrawal fee is simply extortionate.

If we convert the above commissions into percentages, we get the following picture:

• up to 250 rubles - from 20%;
• from 250 to 730 rubles - 14 - 28%;
• 730 - 1,430 rubles - 6.6 - 13%;
• 1,430 - 1,880 rubles - 6.4 - 8.3%;
• 1 880 — 3 800 — 6 — 12%;
• 3 800 — 5660 — 6,1 — 9%.

It turns out that in order to withdraw the minimum amount of 50 rubles from Beeline, you will additionally have to pay the same amount in the form of a commission. Which in this case will be as much as 100%.

It will be cheaper to withdraw money to a bank account (not to a card) - 2.99%. Account details can be found either in the agreement or at the bank. Also, if you use your bank’s personal account, the necessary information, which account your card is attached to, is always available.

The downside of a bank transfer will be the payment processing time of up to 3 business days. When withdrawing to a card, funds arrive within 2-3 hours (up to 24 hours), but usually much earlier.

Cash withdrawal from an ATM

The website has instructions on how to do this. And a list of ATMs in your city where you can cash out.

There are no tricks here and there is a single rate - 5.95% of the withdrawn amount. The main thing is that the ATM is one of Beeline's partner banks.

You can withdraw no more than 5,000 rubles at a time and a maximum of 40,000 per month.

Money transfers

Output available to:

• Unistream;
• Contact;
• post office;
• Gold Crown.

Uniastream and Contact charge 5.95% + 10 rubles, regardless of the transfer amount. Enrollment is almost instant.

Withdrawal via Russian Post will be cheaper, only 2.6% + 50 rubles (if you are willing to wait a week).

It is preferable to withdraw through the Golden Crown. Absolutely no withdrawal fees. But the maximum transfer amount is only 1,000 rubles.

Money can be obtained at Beeline offices and partner stores. You can find a list on the website.

Conclusions and preferred method of cashing out from Beeline

It is more profitable to withdraw small amounts (up to 1,000 rubles) through Zolotaya Korona. But here you will definitely need to visit the office (and spend time).

Transferring to a bank card turned out to be the most unprofitable. If you do not withdraw the maximum amount (5660 rubles and above with a 5% commission), the transfer fee will cost on average 8-10% or more. But there is a definite plus here. The money goes almost immediately to the card and there is no need to go anywhere. For small amounts withdrawn (up to 500 - 1,000 rubles), you can probably turn a blind eye to a commission of 50-100 rubles.

If time is of the essence: the alternative is direct withdrawal to a bank account - only 3%. Funds will appear in your account within 3 days.

When using money transfers and ATM withdrawals, we have approximately the same costs - 5.95%. The choice in favor of one or another withdrawal method must be made based on the amount (maximum 4,000 at an ATM) and the time spent (either go to the ATM and withdraw money, or find a transfer issuing point, wasting time standing in line and processing the transfer issuance) .

I don’t even want to talk about Russian Post. A week for translation + the possibility of being stuck in a queue for an indefinite time is somehow not very impressive. Although there may be extreme sports enthusiasts who are willing to stand in line for an hour for a low 2.6% commission......

How to withdraw money from an MTS number

MTS has 3 options to cash out:

• transfer to card;
• Money transfers;
• to a bank account.

Go to the “Manage Payments” tab, then select “Money Transfers” or “Easy Payment”. Or follow the link https://pay.mts.ru/.

To a bank card

Transfer limits from 50 to 15,000 thousand per transaction. But no more than 5 payments per day.

Commission 4.3%, but not less than 60 rubles.

Processing time up to 2 hours. But usually the money is credited immediately.

Because of the notorious 60 rubles, when withdrawing small change, the interest rate will be many times higher than the stated 4.3%.

For example,

• for 300 rubles - 20%,
• 500 rubles - 12%;
• 1000 rubles - 6%.

The required 4.3% commission from MTS is achieved when transferring to a card from 1,400 rubles (60 rubles).

Money transfers

Payment systems similar to Beeline + Russian Post.

• Russian Post - 4.2% + 55 rubles for transfer (period 4-8 days, from 100 to 14,000 rubles);
• Contact and Unistream - fixed 4.3%, regardless of the amount (instantly, from 1,000 to 15,000 per transaction).

Easy payment

Another way to withdraw money to a card from the MTS operator is “Easy payment” - “Repayment of loans”.

Select the required bank from the list provided. Transfer is available by card number (fast, but more expensive), or directly to a bank account (longer, but cheaper).

Withdrawal to a card will cost the standard 4.3% (or 60 rubles).

When withdrawing to an account, the transfer fee will depend on the selected bank (in most banks 2.3% + 10 rubles for making a payment).

The exception is Sberbank - 2.6%.

A profitable way to cash out from MTS

If you have time, the best option is withdrawal to a bank account (within 1-3 days), with a minimum commission of only 2.3%.

If you don’t mind losing an extra 2% on cash, choose a transfer to a bank card (almost instantly) for 4.3%. But don’t forget about the minimum wage of 60 rubles.

It’s a pity to lose extra funds - our option is money transfers for a fixed percentage - 4.3, regardless of the amount. First, of course, you need to find out where the issuing points are located and whether visiting the branch will be convenient for you personally (wasting time on the road and processing the receipt of payment).

How to withdraw money from a Megafon phone in cash

Money from your phone balance can be cashed out only in two ways:

1. on the map.
2. to a bank account.

The service is located “Options and services” - “Payments and transfers” or at the link https://money.megafon.ru/

• from 50 to 13,730 rubles per transaction when withdrawing to a bank card;
• from 1 to 15,000 rubles (per operation), up to 40,000 per day and month to a bank account.

Tariffs for transfers are simply outrageous.

on the map:

• 7.35%+ 95 rubles for withdrawal up to 5,000 rubles;
• 7.35% + 295 rubles - from 5000 rubles.

To a bank account - a flat rate of 8% + 40 rubles, regardless of the payment amount.

Let’s consider, as an example, how much you will have to pay when withdrawing different amounts to a card from Megafon:

• 500 rubles - 36.75 (7.35%) + 95 rubles. = 131.75 rub. or 26%
• 1,000 rubles - 73.5 + 95 rubles. = 168.5 rub. or 16.85%
• 3,000 - 220 + 95 = 315 rubles or 10.5%
• 5,000 - 367.5 + 295 = 662.5 rubles. or 13%.

Transfers from Megafon

Withdrawal methods similar to the above operators are available.

It was not possible to find tariffs on the website. Either they don’t exist, or they are hidden very deeply so that no one finds out the terrible military secret.)))

The amount of commissions is formed only when you specify the transfer amount.

As an example, I’ll show you what the commission was when withdrawing 500 and 1000 rubles to Russian Post - 19.3 and 8.65%. Very expensive.

Megafon map

Megafon has its own payment bank card. Its main feature is a single balance account on the phone and funds on the card. By topping up your card, you top up your phone. Write-off occurs in the same way. You can pay with your card for purchases all over the world.

The only negative is the paid cash withdrawal. 2.5% of the amount (but not less than 100 rubles). You can transfer money by transferring money to cards of other banks (MoneySend). For example, at VTB or Alfa Bank. The rate is 1.99%.

An option for those who periodically need to cash out money from a Megafon phone.

For Megafon subscribers, the card is issued free of charge (if you have a tariff with a monthly fee). Or for only 99 rubles. Self-service plastic amounts to zero rubles per year!!!

How to profitably get money

The Megafon operator does not really welcome (or rather does not welcome at all) the withdrawal of money from the phone balance. How else to explain the simply huge commissions for cashing out funds.

When transferring even 2 - 3 thousand you will have to pay more than 10-15% of the fees. For withdrawals of 500 - 1,000 rubles we pay almost 20%.

The only correct option is to get a Megafon card (for free) and, if necessary, cash out (for 2.5%) or transfer to other cards (for 1.99%).

Ways to cash out money from Tele2

All financial transactions with a phone number are carried out on the website https://market.tele2.ru/.

What I like about TELE2 is the availability of information and tariffs for translations. Everything is clear and easily accessible. How much, for how much and how.

Carrying out transactions on the operator’s website

To a bank account or by money transfer - 5.75%.

For withdrawal to a card they charge from 50 to 400 rubles. The commission grid is reminiscent of Beeline.

Converting to percentages, we get the following figures:

• from 1 to 250 rubles - from 20%;
• 251 - 730 rub. — 27 — 9.6%;
• 731 - 1,410 rub. — 12 — 6.3%;
• 1,411 - 1,880 rub. — 8.5 — 6.3%;
• 1,881 - 3,800 rub. — 10.6 — 5.2%
• 3,801 - 5,700 rub. — 7.9 — 5.2%;
• 5,701 - 14,600 rub. — 7 — 2.7%

I was amused by the amount of fees charged by Tele2, which amounted to borderline amounts. For example, when withdrawing 730 rubles, they take 70 rubles or 9.6%. If you cash out 731 rubles from your phone, then Tele2 already takes 90 rubles or 12.3%.

Take this into account. It may be more profitable to split the amount into several payments.

Transfer via phone

It is much easier (and cheaper) to withdraw directly from your phone.

To do this, just dial *135#. Next, select the required service.

The commission for withdrawal from Tele 2 number is the same - 5% of the transfer amount.

Enrollment period is up to 3 working days.

Restrictions and limits on transfers:

• from 10 to 14,200 rubles per operation;
• no more than 150,000 rubles per day;
• 500 thousand per month.

What do we choose from Tele2?

Withdrawing to the bank using SMS commands with a 5% commission is the best option. But...if you don’t withdraw large amounts.

What should be the transfer amount to reduce the commission?

In the table of tariffs for transfers through the site, the minimum fee of 2.7% is achieved with a one-time withdrawal of 14,600 rubles.

If the cash out amount is equal to 8 thousand, we get a 5% commission.

• select withdrawal via USSD command for 5% when withdrawing amounts up to 8,000 rubles;
• through the operator’s website when cashing out from 8,000 to 14,600 rubles. Then the fee will be from 2.5 to 5%

Finally

Withdrawing money from the phone number of major mobile operators (MTS, Beeline, Megafon or Tele2) is not a cheap pleasure.

You will have to pay 5, 10 and even 20% or more, just for transferring your own funds!

For some it may seem like a small amount, the transfer fee is 6-7%. Some may even be willing to pay 10%. If the amount to be withdrawn is small. With 1,000 rubles, you will lose 90-100 rubles. It doesn't seem like that much money.

For me, the option of losing 10% at a time does not look very attractive.

The deposit rate in Sberbank is 5-6% per annum. Imagine, people invest money for a whole year to earn 5-6%. And to get 20% you need to keep the money on deposit for 3-4 years.

A more expedient option is to spend the “surplus” money on purchases or paying for housing and communal services and taxes. All operators have such capabilities. Of course, in some cases commissions are charged (around 2-3%). But there are also “no commission” services. Additionally, some online stores allow you to pay for goods directly from your mobile phone account, without additional fees.

If you still need “real” money, the best option for withdrawing funds from your phone is a transfer to a bank account using the bank details. On average 2.3-3% of the transfer amount.

If “extra” money appears on your phone periodically (for example, from the Internet: review sites, etc.), then it would probably be more advisable to buy an additional SIM card from the operator, with the lowest withdrawal fees.

I made my choice. I received a plastic green one. And I calmly spend money in stores.

If you need to withdraw cash, Megafon has the lowest commission of 2% among the big four operators.

A small financial life hack

There are money transfer services that pay bonuses for transactions, including replenishing your phone balance. The reward is usually from 50 to 100 rubles. Credited to your mobile phone account.

I transfer money to Megafon (replenishing the card accordingly) using the Pay-up service. Details can be found in this.

For 500 rubles, minus the service commission of 10 rubles, the net profit is 40 rubles or 8%.

There is only one drawback - the bonus is awarded only on the first payment per day.

Everyone has a large balance on their phone and low withdrawal fees!

We consider which method of money transfer is cheaper and more convenient

Today, almost everyone at least once in their life has had to deal with a problem when it was necessary to urgently transfer money to relatives or, conversely, receive a certain amount from them, despite the fact that they live in another city. How to do it simply, conveniently and cheaply.

Money transfer systems

In Russia, the largest cash flows from wallets to wallets go through money transfer systems. Their services are simple and accessible to everyone, and to make a transfer you do not need to open a bank account. You can receive money within a few minutes after sending it at any service point of the system, which for the most part operate at a time convenient for clients. To do this, you just need to present your passport and control number and you can withdraw the money. It is worth noting that this method of money transfers is quite reliable, especially if you use one of the large, and therefore proven, systems.

Some of the most popular transfer systems in Russia today are Unistream, Zolotaya Korona, Western Union, Contact, MoneyGram. The principle of operation of all five systems is approximately identical, the difference is in the geography of service provision, the maximum transfer amount and time. Due to serious competition, transfer rates in all five networks have become approximately the same - from 1 to 1.5%. At the same time, almost all payment systems offer alternative transfer methods: in bank branches, through terminals or ATMs, and, of course, online transfers.

Some systems, like Unistream and Contact, offer a mobile transfer service, but in this case the tariffs are slightly higher - the money will be debited from the mobile phone account, and you can receive it at a branch of the system. When transferring from an MTS number, both systems have a 4% commission. Unistream also cooperates with mobile operators Megafon and Beeline. However, when transferring within Russia, the commissions will be: for Beeline - 2.99% + 10 rubles, for Megafon - 7.35%. It is worth noting that money transfer systems often hold joint promotions with mobile operators that allow you to make mobile transfers without commission. Now a similar promotion for transfers to CIS countries is being carried out by the Unistream system for MTS and Beeline subscribers, it will last until the end of March.

The main factor when choosing a transfer system should be not only the commission percentage, but also the geography of distribution of the office system. Therefore, it is better to find out in advance where the service points of a particular network are located, preferably with the addresses of specific offices, and agree with the recipient where he can pick up the money.

Online wallet

Transferring money using an electronic wallet is one of the fastest, easiest and cheapest transfer methods, but it is far from the most reliable. In Russia, this area is now actively developing, but there are clear leaders on the market: WebMoney, Yandex. Money and QIWI Wallet. We have already discussed in detail all the features and disadvantages of these wallets, but now let us recall the main points.

For transfers within Russia, it is best to use the services of Yandex. Money" or QIWI wallet, because they have the lowest commissions. WebMoney is more suitable for international transfers. By the way, unlike payment systems, electronic wallets allow you to make money transfers between different companies. Commissions for transfers between WebMoney and Yandex wallets. Money will be 4.5%. But QIWI Wallet offers to make money transfers to other wallets for only 3%. The QIWI wallet is generally one of the most profitable wallets, but it has the reputation of not being the most reliable - frequent cases of theft of money from wallets have been recorded. Yandex-Money, for example, has a much higher degree of security.

The main convenience of an electronic wallet is maximum efficiency (funds are transferred instantly or within 5 minutes), but it is mainly suitable for those who use electronic money. To withdraw funds from your account, you must contact a branch of partner banks or payment systems and pay a fee for withdrawing funds.

Post office

Many people prefer to transfer money by mail the old-fashioned way. Especially for them, Russian Post has developed two transfer services - “Forsazh” and “Cyber. Money". In essence, these are the same transfer systems, just under the Russian Post brand.

Using the Forsazh system, you can make two types of transfers: unaddressed, with the amount received at the post office, and addressed, when a notification about the receipt of the transfer at the post office is sent to a certain address. Addressless transfer up to RUB 3,000. will cost 99 rubles; if the client wants to transfer more, the commission will be 1.2%, but not less than 149 rubles. Address transfer in the amount of up to 3,000 rubles. will cost the sender 150 rubles, and when sending up to 7,500 rubles. - 300 rub. If the address transfer amount exceeds 7,500, the commission will be 1.7%. It is worth noting that using Forsazh you can only make transfers in cash. For online transfers, you should use the Cyber ​​service. Money".

With the help of Cyber. Money" you can send funds both in cash at the postal service branch and electronic money to the Russian Post account with subsequent receipt of money at the branch. Tariffs in this case are quite high: up to 1,000 rubles. - 40 rub. plus 5% of the amount; up to 5,000 rub. - 50 rub. plus 4% of the amount; up to 20,000 rub. - 150 rub. plus 2% of the amount; up to 500 thousand rubles. - 250 rub. plus 1.5% of the amount. At the same time, this method of transfer is one of the slowest: delivery takes from 2 to 8 business days.

Bank transfer

Some large banks provide money transfer services within their branch network. Without opening an account, money can be transferred to Sberbank using the Hummingbird service. To do this, you need to know the number and name of the recipient Sberbank branch, SWIFT code, as well as the recipient’s passport details. The commission will be 1.75% of the transfer amount, and money can be received within 10 minutes.

VTB24 Bank also provides money transfer services within its system. To make a transfer, you need to know the recipient's full name, branch name, BIC and correspondent account. The transfer fee will be 2.5%.

The main inconvenience of such bank transfers is that there is no way to do without information about the branch where the recipient will collect the money (swift code, bik). However, it can be avoided if you still have a bank account. Owners of bank cards can get maximum convenience - you can transfer money from an ATM, online bank, mobile application, or simply via SMS to a card, account, or by transferring electronic money to cash. The size of the commission will depend on the bank, but on average it ranges from 0.5% to 2%. In case of transfer from a bank account to cash, the transfer time will be 2 days, in other cases - from several minutes to 1 day.

Today I want to talk about Money transfers and talk about how to transfer money abroad or within the country, how to receive or send a money transfer. The practice of communicating with different people shows that many of them do not know at all how to transfer money, or they use the most expensive and unprofitable methods for their case. Therefore, I decided to describe in detail what kind of money transfers there are, how to send or receive a money transfer, and which transfers are the most profitable.

So, let's look at the general ways in which money can be transferred from an individual to an individual, if we are talking about the need to send or receive cash or non-cash money (I will not consider the currency of electronic payment systems here - we can talk about them separately). All types of money transfers can be divided into 2 categories:

– Transfers between accounts;

– Transfers without opening an account.

Now I propose to consider these types of money transfers in more detail.

Money transfers across accounts.

Practice shows that people are generally reluctant to send and receive money transfers on accounts. As a rule, they, firstly, do not want to waste time opening an account, and secondly, they simply do not want to “shine”, thinking that the bank can report such a transaction to the tax authorities or somewhere else.

In fact, all such fears are absolutely in vain: they can provide information about the movement of funds in accounts only if an official request is received from law enforcement agencies, formalized in the proper form. In some cases, for example, when quite large amounts are involved (each country has its own requirements, and they often change), information about private transfers ends up in the financial monitoring service, which is engaged in identifying cases of money laundering. Moreover, this service receives information not only about money transfers across accounts, but also about some transactions without opening an account. There is nothing wrong with this either, if you are not a terrorist or a criminal. In any case, in my 9 years of experience in the banking industry, I have never encountered a situation in which a client had any problems due to the financial monitoring service.

So, using a current account of an individual, you can transfer money both abroad and within your country. First of all, of course, current accounts are convenient for those who often receive/send money transfers from abroad, as well as for those who need to transfer a large sum of money one-time.

To open a current account for an individual, you need to come to a convenient bank branch with your passport and tax code. The account is opened forever, but in some banks it can be closed if there is no movement on it for a certain period of time (usually 1-3 years). Opening a current account is paid, but, as a rule, inexpensive; in some cases, an account can be opened for free.

To receive a money transfer to an account, you need to provide the sender with the full account details (not only the number, but also all bank details - they are called differently in different countries, so I won’t elaborate here). Just ask your bank for full account details to send the money transfer, and they will understand. To send a money transfer to an account, you need to know the same details of the recipient's account.

The exception is receiving/sending money transfers across accounts within the same bank: in this case, only the account number will be sufficient to complete the transaction.

If you need to send/receive foreign currency (dollars, euros, etc.), then you will need not just account details, but so-called Swift details (from the English SWIFT - Society for Worldwide Interbank Financial Telecommunications). And the money transfers themselves on accounts in foreign currency are called transfers using the Swift system. In addition to the account number, to make a swift transfer, you need the currency details of the recipient bank (beneficiary) and the correspondent bank (the foreign bank through which the money will go). Typically, correspondent banks are the world's largest banks, for example, Bank Of New York, which charge a fixed commission for each transfer (for example, 10-20 dollars or euros).

Some banks have the ability to send money transfers not only from current accounts, but also from card accounts. In some cases, card accounts can be used to transfer money within the country, and even more often within the same bank (for example, from card to card). It will most likely not be possible to send a money transfer abroad from a card account: here you will need a current account.

But you can receive a money transfer from abroad using a card. To do this, you need to send the sender of the money the full details of the card account to send the transfer; if it is a currency, then the Swift details. Keep in mind that the card account number and the card number are not the same thing! And even more so, the card account number is not enough to send a transfer to the card (the only exceptions are money transfers within the bank).

When receiving/sending money transfers to an account (current or card), in most cases the commission is paid by both parties: both the sender and the recipient. However, the overall monetary losses in this case may still be minimal, especially if we are talking about sending large amounts.

The speed of receiving a transfer between accounts may vary: within one bank it will arrive instantly, within a country – within one banking day, and between countries – from 1-2 days to 1-2 weeks.

Let's summarize briefly: what are the advantages and disadvantages of bank transfers?

Money transfers to an account, advantages:

– Minimum transfer fee;

– Possibility to use the account multiple times;

– Possibility to receive money through an ATM if the transfer is received on the card account;

– Possibility to transfer funds to, avoiding payment of withdrawal fees (practised in many banks);

– To receive a money transfer, you can use an existing account (for example, a salary card);

– The account can be managed through a remote access system (Internet banking), sending transfers independently, without visiting the bank.

Money transfers to an account, disadvantages:

– Funds take longer than with instant transfers without opening an account;

– Opening an account is paid and takes some time;

– The current account is linked to a specific bank branch.

So, now you know how to transfer money abroad and within the country using a current or card account. It's time to consider a more popular, alternative way to receive and send money - money transfers without opening an account.

Money transfers without opening an account.

You can also receive and send money through so-called money transfer systems that do not require opening an account. There are many such systems, some of them operate throughout the world, some concern a group of countries, there are also money transfer systems that operate only within one state or even one bank.

The most common money transfers without opening an account are, but they are also the most expensive. Also widely used in the world are money transfer systems, Anelik, etc. (follow the links you can find more detailed information about each of these transfer systems).

All these systems are independent financial corporations that enter into cooperation agreements with banks in different countries. Thus, payment and sending of money transfers without opening an account is carried out by contacting the client at a bank branch that is a partner of the transfer system.

To send a money transfer without opening an account, you need to come to the bank with a passport and money, knowing the recipient’s last name, first name, and patronymic. The operator will enter the data into the transfer system software, and the system will assign a unique number to the transfer, which can consist only of numbers or of letters and numbers (in different systems - in different ways). This number must be accurately transferred to the recipient, who, upon presentation of his passport and transfer number at his bank, will be able to receive the money.

Recently, many money transfer systems have begun to introduce the ability to receive/send transfers via the Internet, using bank cards or electronic payment systems. To send a transfer in this way, you need to go to the translation system website and follow the instructions specified there.

Money transfers without opening an account go very quickly, even if these are transfers between countries located far from each other. Within one bank, you can transfer money without opening an account using the intrabank transfer system (as a rule, every bank has one, most certainly in large ones) instantly.

Therefore, in general, money transfers without opening an account are often called “instant transfers”.

In the vast majority of cases, the commission for instant transfers is paid by the sender. In this case, the commission can be charged both as a percentage of the amount of money sent, and on a scale. Each money transfer system has its own scale of charging commissions, but the principle always applies: the larger the amount, the lower the commission percentage. The largest commission for sending money in Russia, Ukraine and other post-Soviet countries is charged by the Western Union system. You can always find out the exact rates for sending transfers on the websites or in bank branches, as well as on the websites of instant transfer systems.

When choosing a money transfer system to send money, you do not need to focus on its popularity and prevalence. It’s better to find a less popular system that operates both in your place and in the recipient’s place of residence and transfer money using it - this will significantly save personal finances, and you won’t feel the difference in sending and receiving a transfer.

Now, by analogy, when you have learned how to transfer money using instant transfers without opening an account, let's highlight the main advantages and disadvantages of this method.

Instanttransfers without opening an account, advantages:

– High speed of receiving a transfer (from several minutes to a day);

– Ease of registration and receipt;

– The recipient does not pay a commission, only the sender pays it;

– Possibility to receive money from any bank cooperating with the money transfer system;

– Ability to revoke your transfer (this is not possible when sending to an account).

Instant transfers without opening an account, disadvantages:

– High commission for sending money (especially for the most “promoted” transfer systems);

– The maximum possible amount for sending a transfer is less than for account transfers.

It should be noted that all types of money transfers in foreign currency (both using accounts and without) are subject to certain restrictions on amounts. They are different in each country and change periodically. But the general principle is the same: you can send a transfer abroad without any supporting documents only in a small amount (for example, 300, 500, 1000 dollars). When sending a transfer from and to an account, the maximum possible amount is always higher than when sending an instant transfer. Increasingly large transfer amounts must be accompanied by various supporting documents. For example, if it is payment for training or treatment, contracts, etc. are attached. You are usually allowed to transfer larger amounts (sometimes unlimited) to yourself (to your account in another state) without supporting documents. Especially when it comes to going for permanent residence to another country.

Now you know how to transfer money abroad and within the country, what types of money transfers exist, how they differ from each other and what advantages and disadvantages they have.

For each case, the most profitable way to send/receive money may be different. To summarize, it is better to transfer large amounts across accounts, and small amounts - using inexpensive instant transfer systems. I would not recommend using the Western Union system at all, since it is very expensive.

That's all. To ensure that your financial literacy always remains at a high level, join the number of regular readers of the site. See you in new publications!

You can easily and simply send money to relatives or friends by making a transfer through Sberbank. If you need urgent financial assistance for your loved ones, use the Sberbank Kolibri transfer service (until February 2013, the name Blitz transfers of Sberbank was used).

General conditions for Sberbank cash transfers

• Money can be received either in cash or credited to an account or bank card.
• The transfer can be canceled if the recipient has not yet received the transfer (service cost 150 rubles).

Transfer money to Sberbank across Russia. Conditions

You can send money within Russia in two ways:

1. Regular translation. Execution time is 1-2 working days.
2. Urgent translation of "Hummingbird". The execution time does not exceed 10 minutes. At Sberbank, you can find out how long the transfer takes and its status (sent/received/canceled) thanks to free SMS notifications.

Features of transfers within Russia:

• Money is transferred only in rubles.
• The transfer fee is 1.5-2% of the amount (the minimum is set at 50 rubles, and the maximum is up to 2 thousand rubles).
• Amount of money you can send:
  • unlimited (regular translation);
  • maximum 500 thousand rubles (translation “Hummingbird”).

Conditions for making cash transfers abroad

Options:

1. Urgent translation "Hummingbird". Valid for transferring money to Ukraine, Kazakhstan and Belarus. Completion within an hour. You need to both send and receive money at a Sberbank branch.
2. Urgent MoneyGram transfer. Recipients in Ukraine, Belarus or Kazakhstan will be able to withdraw their money within 10 minutes.
3. International cash transfer. Carried out in rubles or in foreign currency throughout the near and far abroad. Execution time within 1-2 working days.

Features of transfers abroad:

• You can send money in rubles, dollars or euros;
• the maximum amount is limited to the equivalent of 5 thousand dollars (for citizens of the Russian Federation) and 10 thousand dollars (for foreign citizens);
• transfer fees vary widely depending on the type of transfer and amount. The minimum threshold is 1% of the amount.

Procedure for making cash transfers

You can send a transfer at any Sberbank branch. To do this you need:

1. present your passport in person;
2. give the recipient's full name (if you are transferring money to an account or card, you need to know the bank details and account number);
3. sign the application for transfer;
4. enter the amount and commission for the money transfer;
5. pick up a receipt containing the transfer control number (this is 7-8 digits).

All that remains is to call or otherwise contact the recipient to inform him of the control number assigned by the system.

1. Carefully check all the data specified in the transfer form. An error in the spelling of the recipient's last name, first name or patronymic will serve as grounds for refusal to issue money.
2. Before you send money, you should find out if there is a branch in the locality where you are sending funds. Otherwise, you will have to pay the commission twice (for withdrawing the transfer and redirecting the funds to another bank).
3. Do not transfer cash to strangers (for example, prepayment for goods located in another city/country). This is a common scam. You will not be able to get your money back or prove fraud.