The situation when you need to transfer a certain amount of money to one of your relatives in another city sooner or later may arise for each person.

There are many ways to transfer money, but, unfortunately, there is not a single free one left, you have to pay a commission for any transfer (we do not take into account the “transfer with a conductor” option). But there were times when it was possible to make a free transfer of money from different branches of the same bank, even if the money needed to be transferred from Vladivostok to Kaliningrad.

Since we are talking about banks, I will start with them. There are several options for transferring money with a bank: put money into the account of a relative, put money into your account and issue bank transfer or use the service instant translation money without opening an account (this service is available in almost every serious bank). When choosing a method of transferring money, pay attention to the commission charged. If we are talking about a small amount, then the commission will be approximately the same. If the amount exceeds 100,000 rubles, then the difference in the commission can be from 500 rubles.

Different banks have different fees. In some non-state banks, the commission is lower than in state-owned ones, however, in the city where you are going to transfer money, there may not be a branch of this bank. And making a transfer between different banks, as they say, is more expensive for yourself.

The second translation Money in Russia - various money transfer systems, such as Contact, Unistream, Western Union and others. In my opinion, this is the easiest and fast way money transfer. You come to any service point convenient for you, fill out a special card indicating the transfer amount, contact information recipient and shipping address. Give the money to the operator, show your passport, you will be given a departure code that you will need to tell the recipient. The recipient will have to come to the service point, present their passport, name the code and receive the money.
The transfer fee is charged in accordance with the established tariff. As a rule, it is from 1 to 2.5%.

Third option - Postal transfer. The procedure for transferring money in this way is identical to the previous method. Yes, and the commission is also commensurate. It would seem, why then use it, given the fact that going to the post office can drag on for several hours. The fact is that there is a Russian post office even in the most remote village, which cannot be said about service points for money transfer systems.

If you need to transfer money, evaluate all possible options and choose the most convenient and cheapest for you!

Out of money? Fill out an online loan application. The application process will take a few minutes. Without guarantors and certificates of income.

Step-by-step instruction

A fairly common situation: you need to send money, but the recipient does not have a bank card. And this is not necessarily your old grandmother from the outback, who categorically refuses to use bank cards, the Internet and other benefits of our time ...

It can be any person who has suddenly expired the card, but he has not yet had time to issue a new one. Or he just needs the money right away in cash. Or “his” ATMs are not nearby, but you don’t want to pay an impressive commission for withdrawing money from a “foreign” ATM.

We have prepared for you step by step instructions how to make a transfer to a recipient without a card. The algorithm of actions is approximately the same everywhere, but we will consider it on concrete examples two large networks - WesternUnion and Unistream.

Why did we choose these 2 money transfer services? It's simple: Western Union is perhaps the largest and most famous, with more than 500,000 cash points in 200 countries around the world. And Unistream has now launched a profitable promotional tariff - 0% commission for any cash transfers from a MasterCard card.

In addition, the networks are reliable and time-tested with a fairly wide geography. You will certainly find service points near your home or work, and the payee will find a cash point in his city and area.

There are 3 main ways to send money:

• In the department
• Online
• Through a payment terminal

• In the department

Find one of the Unistream or WesternUnion branches closest to your home. Present your passport to the officer. The operator will offer you to fill out a short questionnaire with the contact details of you and the recipient of the transfer. Enter the full name, country and city of the recipient. Enter the amount of the transfer to the cashier and pay the commission for the services of the service.

You can make an address transfer - indicate a specific point of issue for cash receipt. Or addressless - then the recipient will be able to pick up money at any of the points within his city.

Be sure to inform the recipient: transfer code, amount and currency (for addressless transfers), transfer number and branch address (for address transfers).

• Online

Go to the online service of the selected system: online.unistream.ru or russia.wu.com. Registration is not required. Just indicate the country of destination, the amount of the transfer and the type of card from which you will send money. Next, fill out a short form: full name of the recipient and sender, your phone number and email. The commission amount will be calculated automatically. If everything suits you, complete the operation - an SMS with a confirmation code will be sent to your phone.

• Through a payment terminal

You can send money using Unistream both in the branded terminals of this service and in many others: Eleksnet, TelePay, QIWI, Moskovsky credit bank, Niko-bank ... You can also send money using WesternUnion through whole line terminals, the most common of which is Eleksnet.

Select the "Payment for services" item in the main menu, indicate how you will deposit money (in cash or by card), confirm that you agree with the terms of the service. And enter information about the transfer: country of destination, full name of the recipient (in Latin when sending to countries far abroad), currency for cash withdrawal, transfer amount in rubles.

Be sure to take the receipt and save the control number, which you need to tell the recipient.

How to receive a cash transfer?

• Come to the point of issue
• Present your passport to the employee
• Name the transfer number, its amount and currency, as well as the name of the sender
• Or fill out a special form - indicate the full name and country of the sender, the amount
• Tell the employee the transfer code or control number (MTCN) that the sender should have given you

As you can see, making a transfer and receiving it in cash is quite simple. All other services (Zolotaya Korona, Lider, Contact and others) work in much the same way.

Choose the most convenient option for the recipient of the payment - see in advance which pickup points are in the destination city, and which of them are closer to your addressee's home or place of work.

Every year the number of money transfers in Russia is increasing, and they are becoming more affordable. With the help of a transfer, people pay for large purchases, loans, trips, education, etc. The geography of translation systems is expanding significantly, and tariffs are decreasing. In the current situation, it is sometimes difficult to choose a method of transferring money or a payment system that would be the most profitable, reliable, and made it possible to send money quickly and make transfers with a minimum commission V 2018.

In fact, there are quite a few ways to transfer money in Russia, but in order to find the cheapest and most convenient, it is better to consider the main ones.

Types of money transfers

Postal transfer. This type is one of the oldest money transfers. To do it, it is enough to have a passport with you.

At the post office, you can transfer money using the CyberMoney service with a commission of 1-5%. This amount is also added to the one-time payment for the transfer. It should be noted that the larger the transfer amount, the lower interest rate but higher lump sum payment. For example, for 1000 rubles you need to pay 40 rubles and 5% of the transfer amount. For a transfer from 5,000 to 20,000 - 100 rubles and 2% of the amount.

A big plus of the CyberMoney transfer is that it is available to all residents of the country and can be received and sent from the most remote corners Russian Federation. The downside is that the transfer can take up to 10 days.

Russian Post also provides services of urgent transfers "Forsage", which can be received within a day. The commission here is 1.7 -10%. In addition, the service is available only to residents of large settlements.

Bank transfers from account to account. This transfer also belongs to the oldest types of money transfers. But in order to implement it, you need:

• that the recipient has his own account;
• that the account be opened in the same bank as the sender (otherwise the commission can be very high).

In addition, you must have documents: passports, applications.

Even when transferring from account to account of one bank, the tariffs are 1.5-2%. The speed of the transfer also leaves much to be desired: the funds go 1-3 days.

Transfer from card to card. Such a transfer is most profitable, provided that it is carried out on a card of the same bank. Many banks provide this service without commission. Sberbank clients, for example, can transfer funds without commission to a water city. If you need to send money to another city, then the commission will be 1%.

But in any bank, the commission for transferring from card to card will be no more than 3%. Money arrives instantly, and they can be transferred through an ATM at any time of the day. The only negative is the limitation on the volume of transfers.

Transfer through payment systems. Express transfers are becoming increasingly popular, which can be done in special service branches, banks, and even via the Internet. The most popular services in Russia are UNIStream Western Union, MoneyGram, Аnelik and some others. Money can be received within a few minutes after departure by presenting a passport. The commission averages from 1-2.5%.

The advantages of such a transfer are, first of all, that it can be done without leaving their home, transfers come instantly. These include WebMoney, YandexMoney, Qiwi and some others. The sender simply transfers funds from one wallet to another, paying a certain percentage for this. The downside is that in order for the user to be able to receive cash, virtual money will have to be cashed out, which will take some time and a certain amount. On average, you need to pay 3-4% of the transfer for the service.

Cryptocurrency transfers are becoming more and more popular in Russia.

How to profitably transfer money in 2018 through international payment systems

We will not dwell on postal orders or transfers from account to account. They have been in use for a long time, and everyone knows how to carry out operations. As for the possibilities of transferring through payment systems, they are different, and it is worth getting to know them better, especially since many of them allow you to make low commission transfers. Therefore, we will consider those services that are currently the most popular in Russia.

Unistream (Unistream)

Unistream operates in 95 countries of the world, including Russia. Transfers through this system are considered the fastest. Tariff - 1%. You can transfer up to five thousand dollars, both in Russia and abroad.

Contact

Russian payment system"Contact" appeared relatively recently, but now thanks to it, you can make money transfers not only in Russia, but throughout the world. It is possible to transfer funds both in rubles and in dollars and euros. The maximum amount you can send in Russia is 500,000 rubles. The transfer commission is from 0.2 to 1%.

Western Union (Western Union)

The payment system operates in more than 200 countries. In the Russian Federation, you can transfer up to 100,000 rubles at a time.

Transfers are divided into 2 types: "12 hours" and urgent, which comes in a few minutes. Tariffs are among the lowest in Russia - 0.9%.

Moneygram (MoneyGram)

"Moneygram" is one of the most common systems in Russia, so transfers can be made in many Russian banks who participate in it, including Sberbank. This payment system allows you to transfer up to $5,000 per day. Commission for the Russian Federation - 1%.

Close (Blizko)

Blizko is a Russian invention, and its operator and at the same time the owner of JSCB Svyaz-Bank. The main advantage is the high speed of transfers. Money arrives in a minute. Maximum amount for transfer - 10,000 dollars, you can use the ruble equivalent. Commission for Russia -1%. It may be slightly less or more depending on the region.

Gold Crown

It is more suitable for transfers to the CIS countries, since it actively integrates with foreign payment systems, but you can also make transfers within the country. The commission averages 1.5%. Transfers to the Russian Federation come instantly

hummingbird

Transfers can only be made through Sberbank. The maximum transfer amount is 500,000 rubles. Currency transfers are also possible. The commission is 1.5% of the amount, but cannot exceed 1000 rubles. Translation takes 10 minutes.

Gait

Allur is not the fastest of the payment systems, the transfer takes less than 10 minutes on average. The sender has the opportunity to transfer up to 15,000 dollars at a fairly low commission, from 30 rubles to 3 dollars.

Money tracking and alert system.

How realistic it is to track the transfer of money, you need to find out in the system itself. But, as a rule, in order to attract customers, many services provide such a service. They also offer the option to notify the recipient via SMS.

Transfers to the Russian Federation, how profitable it is to transfer money in 2018

If we consider the available opportunities for transferring money and decide how it is more profitable to transfer a certain amount, it is worth dwelling on 3 components: speed, tariff and convenience when transferring a payment.

Some transfers take up to several days, for example, postal or bank transfers from account to account. A completely different picture is observed with express transfers through international payment systems. Money can come instantly or within a few minutes, and the commission for the service is low. However, if there are post offices and branches of Sberbank in almost every locality, then not every resident of the Russian Federation has the opportunity to transfer money through payment systems. Although many payment systems today have partners. For example, " Gold Crown » allows you to do translation in the Beeline, MTS, Svyaznoy, Euroset networks.

If it is not possible to transfer cash through payment systems, then you can use Hummingbird urgent transfers. It is available to everyone, especially since you can transfer not only rubles, but also dollars and euros. The service will not take much time and you will only need a passport.

It is very profitable to transfer money from card to card, especially if these are cards of one bank. In this case, many banks do not charge a commission. In Russia, this is practically the only way transfer money without commission in 2018. When transferring to a card of another bank, the fee will be 2% of the transfer amount. The operation can be carried out at any time of the day through an ATM or the Internet.

The fastest transfer with a minimum commission

In Russia, it is best to use the Western Union system. It has 3 advantages at once.

1. Speed. The transfer arrives in minutes. The person to whom the money is sent can receive it almost immediately.
2. Low commission. It is 0.9%, but cannot be less than 100 and more than 900 rubles.
3. Availability. The system has been operating in Russia since 1991 and cooperates with MDM, Prominvestbank, Absolut, Vyatka Bank, Omsk Bank and some others. To find the nearest branch, just go to the page and click on the search for branches. In total, there are now about 14,000 service points in Russia, many of which have a round-the-clock work schedule. To receive a transfer, you need to provide a passport and a control code that the sender will provide.

Russian Post also cooperates with Western Union, but transfers are usually sent to foreign countries or to remote corners of the Russian Federation.

The most expensive ways to transfer money

One of the most expensive ways to transfer money is considered to be a transfer through the Russian Post. The commission for urgent transfers "Fast and the Furious" here can reach up to 10%. If you send funds using the CyberMoney system, then with a relatively small percentage, lump sum, which is added to them, can reach up to 535 rubles. For example, for a transfer of 10,000 rubles, you will need to pay 435 rubles.

It is unprofitable to transfer money from the account mobile phone, since the commission in this case can be about 8%.

How to make a transfer via the Internet with a low commission

Very simple and at the same time convenient way– sending money through an online bank, all you need is a computer, smartphone or tablet. Translation will take only 2-3 minutes. Online services, as a rule, are quite simple and it is not difficult to transfer money through them. You will only need to enter the site (in some cases and in Personal Area) enter the country to which the transfer will be sent, city, recipient data.

Can be used:

• classic translation, when you need to enter all account details,
• transfer from card to card.

It should be borne in mind that when transferring to a card of another bank, the money will be credited to the recipient's account within 24 hours, and a certain percentage will have to be paid for the transfer. But, as a rule, a smaller percentage is charged for the operation than when transferring and withdrawing money from Webmoney, Qiwi, etc. Some payment systems hold promotions. So Unistream does not charge service fees from MasterCard and Visa users.

Cryptocurrency transfers

Along with other money transfer systems, transfers in cryptocurrency should also be considered. Especially in the cryptocurrency of Russian origin - RUCOIN, as there are transfer options with a low commission. If in 2017 the commission for a bitcoin transaction increased significantly, the commission for any transaction in RUCOIN is only 0.1%! You can transfer money instantly. At the same time, the cryptoruble is not subject to state control and does not have intermediary organizations.

IN modern world there are no problems with the transfer of funds both in the Russian Federation and abroad. This became possible thanks to the activities of credit institutions and special money transfer systems.

What it is?

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A money transfer is the movement of funds from a sender to a recipient. At the same time, a third party is involved in this process - the operator of the payment system.

The transfer can be carried out in different forms, for example, funds can be transferred to the seller of a product or service, or the transaction is made between ordinary citizens.

How does it work?

Money transfer is carried out in several stages:

• the client gives the operator an order to transfer the currency to the address of a specific recipient;
• the transfer is made at the expense of funds that are placed on the bank account of the sender or for cash provided by him;
• money is credited to the account or card of the recipient or issued to him in cash at the cash desk.

The transfer is considered completed at the moment the funds are credited to the recipient's account or cash is issued to him.

Conditions

Different operators offer different conditions for transferring funds.

When choosing a particular program, you need to pay attention to the following indicators:

• the amount of the transfer fee;
• the period of receipt of currency to the account of the recipient, the issuance of cash to him;
• the convenience of the location of the office in which the recipient will receive the money.

Types of money transfers

Types of money transfers are differentiated for various reasons.

Consider the three main criteria that are used to classify them:

• by geography (internal and external);
• by the presence of an account (with and without opening an account);
• by destination (address and non-address).

External and internal

So, the first basis for distinguishing between types of remittances is by geography.

All enumerations can be divided into internal and external:

• in the first case, banknotes are moved;
• in the second, they are translated.

External transfers can be made both in rubles and in other currencies. For example, if a client wants to transfer money in dollars, then he makes an exchange, and then the funds are sent abroad.

If countries enter into common economic unions, then the money moved within these states is also recognized as an internal transfer.

With and without opening an account

The transfer with the opening of an account is made through a credit institution. For its implementation, the client provides the bank with an instruction to carry it out.

This method also makes it possible to transfer funds using a card.

Many banks develop special services, Internet banks, the functionality of which provides for transfers to another card or account.

This is convenient, since the client may not personally contact the bank office.

Transfer can be carried out without an account:

• by details;
• under an agreement with the operator;
• postal transfer.

According to the details, you can transfer funds at any bank by filling out an appropriate application at the branch. Credit organisation for such an operation will take a commission.

Under an agreement with the operator, you can use the services of any money transfer system.

The recipient will be awarded banknotes at each of the possible service points that are located around the world.

To transfer money, the minimum information about the recipient is required:

• a country;
• city;
• phone number.

The same transfer can be made through the Russian Post. To do this, you need to contact the post office with a passport and fill out the form.

Addressed and non-addressed

If the transfer is targeted, then the banknotes go to a specific point. It is determined by the sender.

This type of movement is convenient when the recipient does not plan to change their place of residence and can easily visit a particular point of issue.

Addressless transfer has the advantage that money can be withdrawn at any service point of the transfer system.

Existing offers

You can transfer money through a bank, through the Russian Post or one of the many transfer systems. Let's analyze the current offers from operators.

Sberbank

With the help you can transfer banknotes both on the territory of the Russian Federation and abroad.

A credit institution provides for different conditions for this operation, depending on the type of transfer.

Translation type	Transfer fee	Receipt period	Where can I get
From account to card (in Russia)	1%	1-2 days	ATM, terminal or office
From card to card (in Russia)	1%	At once	ATM, terminal or office
Cash (in Russia)	1,75%	Up to 2 business days	Office
From account to card (abroad)		Up to 2 business days
Cash (abroad)	2% (min. - 50 rubles, max. - 2000 rubles)	Up to 2 working days	The possibility is negotiated by the beneficiary's bank

Post office

Russian Post offers. Banknotes can be moved within the Russian Federation or abroad. Translation can be addressed or unaddressed.

The amount of the commission will depend on the type of transfer and the amount.

Western Union

is one of the longest functioning translation systems. With its help, you can send the currency to any corner of the planet, if there is a branch for receiving and sending funds.

To make a transfer, you need to have an identity document and money with you. At the branch, the client fills out a form and pays a commission. Funds move instantly.

Information about the delivery of money comes in the form of an SMS message to the recipient's phone.

The amount of the transfer fee will be determined by its amount and destination country.

MoneyGRAM

One of the most common transfer systems. It has an extensive network of points for receiving and sending funds, in total there are approximately 79,000 of them. Funds are credited instantly.

System commission - from 3% to 12%. The specific value will depend on the state where the transfer is sent and its amount.

Leader

offers its customers low rates for transfer fees:

• up to 1.5% - within the borders of the Russian Federation;
• up to 2% - in the CIS countries;
• up to 4% - to foreign countries.

Funds are credited within a few minutes. Among the shortcomings can be noted - relatively small list service points (2500 points).

Electronic money

Electronic money is stored in online wallets, for example, WebMoney, Yandex. Money, etc. Users can transfer with their help, but it is quite expensive.

The client has to pay a commission several times:

• for entering banknotes;
• for the transfer of funds;
• for the withdrawal of banknotes.

Other

Consider other ways to transfer funds and the conditions for moving money through them.

How to send?

To send a transfer, the minimum information is required:

• name of the recipient;
• his phone number;
• country and city of destination (for non-address transfers), specific point (for address transfers).

How to send money to another card. 3 easy ways

What is the most convenient bank card? The fact that if you have it, you can use your money anywhere in the world. And if they come to an end, there is no difficulty in replenishing your "funds". Even if there is no branch of the bank where your card account is opened. The simplest example: you went on a trip abroad and spent a lot of money there. If you only have cash, you will either have to significantly limit yourself in further spending, or completely refuse them. Of course there are now various systems international transfers, but points of issue still need to be found.

With a card, everything is easier: just ask friends or relatives to replenish the account and, within a short time, you will have money again. Now, with the development of the Internet and Internet banking services, everything has become quite simple.

What data is needed?

What is needed in order to "throw" money on the card? Actually there are several options. Each of them requires different data (card number, account number, full details, etc.).

Let's list each of them:

1. Top up the card account directly at the bank that issued it;
2. Make a transfer to a card account from another bank.
3. Transfer money from another card.

In each of these cases, you will need either an account number or a card number. Let's take a closer look at each method.

How to deposit cash to the card account?

So, the first way is to replenish the card account directly at the issuing bank. As we know, when a bank gives us a card, a special card account (SCS) is opened in it. By itself, a card without an account cannot exist. This is due to the fact that the money is not stored on the card, but on the account. Any operation carried out with its use is reflected in the SCS.

In order to replenish the card, it is enough to deposit money into the account. This can be done by anyone who has a passport and the required amount in cash.

Required data:

• Bank's name. Now you can deposit funds at any branch, but earlier this operation was available only where the card was received.
• card number or account number. This prop is a little more difficult. Most banks can identify the account number from the card number. Most, but not all. Are still dating financial institutions, in which the operator does not have access to the full card number. And, therefore, can not determine the number of her account. Therefore, when visiting a bank, it is better to have both numbers: the card number and the SCS number.

Clue: The SCS number always consists of 20 digits and starts with 40817. The card number can be seen on the front side. As a rule, these are 16 digits divided into 4 blocks.

Nuances: if your card account is in rubles, then anyone with a passport can deposit money into it. No powers of attorney, according to the legislation of the Russian Federation, are required. However, if the account is in foreign currency, then replenishment is possible only if there is a notarized power of attorney.

pros:

• Money becomes available pretty quickly. In the worst case, a day after they are deposited into the account.
• There are no fees for cash deposits

Minuses:

• If the money runs out on the weekend or on holidays, you will have to wait for the bank to open in order to replenish the account.
• Not always within walking distance there is a branch of the issuing bank. This is especially true if the bank is small, regional scale.
• If the account is in foreign currency, it is necessary to issue a power of attorney in advance to deposit funds.

How to replenish the card with a transfer from another bank.

The second way is a transfer to an account from another bank. This method is a classic transfer of funds to an account. It is made from any available bank by any person. Of course, in this case, you can’t do without a passport either.

Required data: Full card details:

• card account number,
• name of the owner,
• Name of the bank,
• etc.

Clue: full card details are always indicated in the card account agreement. In addition, many banks issue full details on a separate sheet.

pros:

• The method works regardless of the location of your issuing bank and the presence of offices in the sender's city.
• Can be used by anyone from anywhere in the world.

Minuses:

• As a rule, the term for crediting funds is up to 3 days.
• When transferring funds, the bank charges a commission for the transfer. Moreover, many banks, as part of the fight against money laundering, may charge an additional fee for non-cash replenishment of SCS.
• If the transfer amount exceeds 600,000 rubles (according to Law 115-FZ), then the card may be blocked until documents explaining the origin of the funds are provided. However, the amount may be less. It depends on the requirements of the issuing bank.
• Currency transfers are possible only to relatives. Those. "individuals transfer foreign exchange in favor of others individuals– residents who are their spouses or close relatives (relatives in the direct ascending and descending line (parents and children, grandfather, grandmother and grandchildren), full and half-blooded (having a common father or mother) brothers and sisters, adoptive parents and adopted children), to the accounts specified persons, open in authorized banks or in banks located outside the territory of the Russian Federation”.
• Since the full account details contain a large number of digits, there is a high probability of an error when making a transfer. In this case, the money will not be credited to the card account, but will be returned to the sender in 15 days.

We send money from card to card.

And the third way is transfer from card to card. This is the easiest and fastest way to replenish funds. Money leaves the sender's card and comes to yours. You can carry out this operation on our website

Required data: recipient's card number.

pros:

• Money arrives almost instantly.
• There is no need to pay a visit to the bank and present a passport, details, account number, etc.
• It is enough to know the card number.
• The method does not depend on holidays, time of day and weekends. It is available 24/7.

Minuses:

• Not all issuing banks support the ability to transfer funds from card to card. This is especially true for small regional banks. Despite the requirement of payment systems for mandatory provision of this service, not every bank is ready to pay the processing center for setting it up.
• The method does not work with cash directly. Those. First you need to pay in cash to the sender's card and only then make a transfer.
• There is a fee for the transfer.
• Not all banks allow transfers from credit cards. And those that allow, take high commissions for such operations.
• Most often, banks set restrictions on such transfers. For example, Sberbank of the Russian Federation limits them to 100,000 rubles per day.

To summarize: which way is better?

We have considered only ways to replenish your card account by a third party. Of course, these are not all ways to replenish cards. If you have a good internet bank and funds in your account "on demand", you can replenish your SCS with a simple transfer between your accounts. Most banks will not charge a fee for this transaction.