Company Western Union specializes in money intermediation services for transfers. Its branch network covers all continents of the world. Every year the payment system receives high marks from international rating agencies. Its clients are both individuals and legal entities. Let's consider options for how and where to receive a Western Union transfer and what documents are required for this.

Western Union is the absolute leader in the field of financial transfers. Its representative offices are open in 200 countries around the world. The corporation actively implements technological progress, gradually develops, receives new positive reviews from your clients. Numerous studies show that Western Union transfers are the most popular in the world.

Let's consider each advantage separately:

1. Efficiency.
2. Convenience.
3. Rates.
4. Maintenance service.
5. Loyalty program.
6. Reliability.

The main advantage of transactions involving a corporation is efficiency. Cash is available for collection within 5-7 minutes after departure. This is the most best option providing money in record time.

The second advantage is convenience. Western Union transfers can be obtained from the corporation’s partners both within the country and abroad. The company has branches not only in large cities, they can also be found in provincial towns.

The third advantage is affordable tariffs. The corporation is focused on a strategy of expanding cooperation, so its services are available to people with different financial capabilities. It is worth noting that in Russia such transfers are often cheaper than classic bank transfers.

The fourth advantage is high customer service. When receiving a transfer, the user of the system is simply identified using passport data; the client does not fill out a lengthy (often incomprehensible) application. In addition, opening a bank account is not required.

The fifth advantage is the presence of the MyWU loyalty program. The corporation regularly holds gift drawings among its clients, and as a pleasant bonus, system followers can receive discounts on products from leading manufacturers.

The sixth advantage is reliability. Each payment goes through a multi-level security system built on international standards. Clients can be sure that the money will go to the intended recipient.

Where can I quickly get a translation?

System translation can be obtained in several ways:

• in branches of partner banks;
• using terminals and ATMs of partner banks;
• at Russian Post offices;
• from mobile operators.

Which bank can I receive a Western Union transfer from?

An easy way to receive a transfer is to contact the partner bank through which the payment was sent. This procedure is quite simple - the recipient can cash out money based on the sender’s application. In addition, at the time of accepting such a document, specialists always announce institutions where translation can be obtained promptly and with a minimum package of documents.

When visiting a bank branch in St. Petersburg or Moscow, the recipient must provide the following information to the private client service manager:

• number of translation;
• transfer amount;
• your contact phone number.

Client identification is carried out using a passport. It is worth noting that, contrary to rumors actively circulating on the Internet, it is impossible to receive money without an identification document. The Corporation attaches great importance to its reputation, and therefore takes active measures to reduce operational risks and increase the security of money transfers through the system.

Users can find information about which bank can receive a Western Union transfer on the official website: www.westernunion.com. Also here are the current tariffs and current promotions and competitions. It is important to note that transfers within Russia are made only in rubles.

Currently, the following Russian banks are actively cooperating with Western Union Corporation:

• Sberbank (subsidiaries);
• VTB 24;
• Alfa Bank;
• Gazprombank;
• Bank of Moscow;
• Bank Rosgosstrah;
• Post Bank and others.

Important! Current legislation prohibits non-cash transfers of money to an account bank card. Transactions involving large amounts can be transferred by commercial players to Rosfinmonitoring.

Features of receiving Western Union at Sberbank

On this moment Western Union Corporation has a rather complicated relationship with largest bank Russia. Sberbank launched its own program instant transfers, called "Hummingbird". The launch of the product was quite successful; due to the developed branch network, it takes no more than 10 minutes to transfer money across the country.

It is possible to receive a Western Union transfer in the bank's subsidiaries, for example: in BPS-Sberbank, acquired by the credit institution in 2009. When receiving money, opening a current account is not required; the transfer is provided in cash through the cash desk of a banking organization. However, persons with a power of attorney and minor citizens will not be able to receive funds.

Important! The sender of money has the right to make changes in terms of changing the recipient's full name. However, it cannot change the recipient's country. In addition, he can send a short message to the recipient. This service is provided free of charge.

Transfers through the Sberbank system are characterized by a number of features:

1. The sender and recipient can only be individuals. At the same time, in the statement they refer to the fact that the object of the transfer is not money from business or investment activities.
2. Transfers are made in dollars or rubles. In this case, the currency of sending money may differ from the currency of receiving the transfer if it is addressed to a private person in another state. In this case, the conversion is carried out at the rate established by Western Union.
3. You can receive money only in the country that the sender indicated in the application.

Self-service devices of partner banks

Many banks provide the opportunity to receive transfers through terminals and ATMs that operate around the clock. In Russia, this function is available in self-service devices of Gazprombank, Alfa-Bank and Bank of Moscow.

The algorithm for receiving a transfer through a terminal (ATM) includes the following steps:

• choosing the type of translation;
• clicking the “receive transfer” option;
• entering the transfer number and payment currency;
• choosing the option to receive money: cash or debit card.

There are no other ways to get Western Union online on a card in Russia.

Post office

The procedure for receiving a transfer through the post office is no different from receiving money from partner banks of the payment system. The addressee should present the operator with a passport, name the identifier and currency of the transfer. On average, the operation takes 3-4 minutes.

Russian Post has a significant advantage - delivery of the transfer to your home or office. The organization’s employees will promptly deliver the money to the specified address for a small fee.

Mobile operators

Since June 2015, Megafon has resumed cooperation with the payment system. Thanks to close cooperation between the companies, Western Union transfers can be received in 2000 branches throughout Russia. Transfers of funds are carried out only in rubles; there is a maximum limit on the payment amount - no more than 100 thousand rubles daily. Similar conditions apply in the MTS salon.

How to check the status of a transfer?

Each user who sent money via payment system, the question that concerns us is whether they arrived at the addressee or not. There are 3 ways to check the status of the transfer:

• online service of the official website of the payment system;
• through the online service of a partner bank;
• via support service.

On the Western Union website, you can select the “Transfer Status” item and enter the requested data.

Wester Union Corporation has permanent partners on the territory of every world state. Many banks are ready to provide their clients with advanced online banking functions. Thanks to this, clients can track the status of the transfer via Personal Area. The procedure is quite simple and includes 3 main steps:

1. Authorization in the system (entering login and password).
2. Selecting the “Check transfer status” option.
3. Enter information about the transfer (transfer ID and recipient's full name).

The second option for obtaining information is to call the support service of the bank through which the money was sent. The client must be prepared to be asked not only for the transfer ID, amount, currency and full name of the recipient, but also for passport information. Identification by control information or client code is sometimes practiced.

What kind of force majeure can occur with the transfer?

The Corporation assures that since 1851 not a single transfer has been issued on time. However, quite often situations arise when the company blocks transfers. This may occur if the recipient's name or country is entered incorrectly. Sometimes the operator who accepted the payment application can make a mistake, for example, by confusing the recipient and the sender.

Unclaimed transactions are stored in the system for 4 months, then transferred to the archive. To receive money back, the sender must provide his passport and a copy of the receipt. In this case, the commission is not returned to him. The client also has the right to withdraw a transfer that is processed by the system.

Western Union Corporation is a reliable and safe way to receive money anywhere in the world. Commissions for transferring funds are quite affordable, which sets it apart from its competitors. Transfer is carried out in euros, rubles and dollars , but its payment is possible only in the country’s currency.

Information on how to receive a Western Union transfer is relevant today, because international money transfers are becoming increasingly popular due to the high speed of sending money, the absence of difficulties in receiving, and the fact that the responsibility for paying the commission falls on the sender, and the recipient only receives the benefit .

Union

Western Union is a system that allows you to transfer funds around the world. Users have been using the services of this service for one hundred and forty years. The system includes a huge network of service branches: about five hundred thousand in more than two hundred countries around the world.

There are approximately twenty thousand Western Union service points in Russia, thanks to which users can transfer money both within their state and abroad.

The period during which the application is submitted can take several minutes or several hours. Everything is influenced by which region the funds should ultimately go to. The tariffs set by the company are changed in a similar way. They will be discussed in more detail below.

Transfers, as a rule, are paid in the currency of the state to which the money comes, however, in the Russian Federation, Ukraine, Belarus, Kazakhstan and other CIS countries, the transaction is also carried out in American dollars, and in euros. To find out where to receive a Western Union transfer, you should find information about the nearest service point on the system portal.

Sending money using Western Union has several important nuances:

• speed of the operation. The transaction is completed within a few minutes. You can receive money sent from the USA to Moscow in just five minutes. You only need to remember the difference in time zones and the operating hours of service points;
• reliability of operations. All transfers are protected by a special security system, i.e. a special individual number with which they will be stored and transmitted. The service provides a 100% guarantee that money will be transferred to the person specified in the application;
• comfort. You do not need to create a bank account to make a transaction. The application is submitted to any of the service points every day. In some countries, such points can only issue money, and in this situation, sending funds is only possible at a banking organization.

If we touch on the shortcomings of the system, only the price of the services provided stands out here. There was a slight increase in tariffs compared to how much it costs to operate other systems. However, this price is justified, because Western Union is renowned for its high quality service and high speed of transactions.

IN Russian Federation this system Electronic payments began to function only in 1991. First, a subsidiary company was opened, the main office and help desk of which were located in Moscow. Today there are more than twenty thousand service points in Russia. Many of them work without breaks.

If we talk about transferring money through a banking institution, the question arises, which banks have the opportunity to transfer money through Western Union? In the Russian Federation, banks Absolut, Vyatka Bank, Omsk Bank, etc. constantly work with this service. A corresponding agreement was signed between Sberbank and the Western Union system in 2011, but the provision of services was never started.

Instructions for receiving a transfer

Where can I get Western Union? The most common way to receive a Western Union money transfer is to visit a bank branch that cooperates with the system.

The process of how you can receive Western Union money is very simple. Bank employees provide money to the recipient based on the application issued by the sender. In addition, bank employees are required to promptly inform the sending party of the address where the desired branch is located where the transfer can be received, as well as information about how long the money transfer is stored.

In order for the recipient to be given his money, he must tell the employees of the banking organization the amount and transaction number, and also show his passport.

Employees of the institution cannot issue money without specifying the following information:

• agreement number;
• the amount of money specified in this agreement;
• Full name of the sending party;
• recipient's phone number.

If the recipient provides correct information, he will receive a copy of the agreement from bank employees in order to sign it. Once the formal procedure is completed, the money will be transferred to the recipient.

Terminals

Banks cooperating with the Western Union service have a wide network of terminals that make it possible to receive the required amount very quickly.

To do this, follow these steps:

• In the main menu of the terminal, select the “Receive transfer” item and indicate the desired service. After this, receipt is confirmed;
• register using a card or a message received from the bank;
• choose the card to which the money will come;
• indicate the transaction number received by the sender, as well as its currency.

Mail

Western Union users can go to the post office to collect their money. The procedure carried out here is similar to receiving money through a bank branch: the recipient must show the post office employee his passport (foreign passport), transfer number and amount.

Important! The main nuance that arises when using this method is that the sender can use money delivery. In accordance with its terms, postal workers will deliver the transfer to the recipient's address.

Having studied the procedure for receiving a Western Union transfer, you should understand the basic conditions for the transaction:

• a resident can send money abroad in the amount of up to five thousand dollars. You can perform an operation once a day without providing any documents;
• a non-resident user can transfer amounts up to three thousand dollars.

Checking the translation

To find out about the receipt of a transfer with a specific number, you can go to the official portal of the Western Union service. Verification requires specifying information about the transfer in the form that appears, as well as waiting for the processing of the received request. Next, the user will receive the money transfer status.

The price of the service directly depends on the state from which the transfer is made and the country to which it is sent. For a transfer in the amount of up to 145 thousand rubles, carried out within the Russian Federation, the system will charge a commission of 4-10%. For each further increase in the amount, an additional two hundred and forty rubles are paid.

In order to transfer money in the amount of more than three thousand dollars at the “Twelve Hours” tariff, you must present documentation.

Between the CIS countries there is a shipment from one hundred to three and a half thousand dollars. For carrying out such an operation, the service charges a commission of 3-6%. These tariffs can only be used by neighboring countries (China, Türkiye). When making a ruble transfer, you will still need to pay a commission fee for converting funds at the system rate.

Online system

Western Union has leading Russian partners as partners banking organizations. Each of them is able to offer the client the use of Internet banking, where the user can carry out any operation with in cash.

In order for the service client to be able to use Internet banking online, he needs to register, after which, by logging into his personal account, he will be able to track the status of the transfer.

You just need to select the required option, as well as indicate the transfer number and sender information. The transfer number is usually indicated on the form provided banking institution when processing a money transfer.

So, the Western Union system, which allows you to make payments internationally, is the most convenient service for sending money. Its users receive excellent service, a wide geography of transfers and short delivery times for funds.

The international system Western Union has been operating in the money transfer market since 1851, that is, more than 160 years, and carries out money transfers anywhere in the world. It is important for each sender of a transfer that the money transfer reaches the recipient quickly and with a guarantee of reliability. Money transfers "Western Union" (Western Union), which are rightfully considered one of the most widespread money transfer systems in the world, do an excellent job of this task. Western Union guarantees fast and high-quality services.

The organizer of the money transfer system is the American company WesternUnion (NYSE: WU), which transfers money via its unique worldwide computer network using the latest electronic technologies.

The Western Union international money transfer system makes it quick and easy to send and receive money through a network of more than 463,000 customer service points in more than 200 countries and territories around the world. Western Union service points may have the following addresses: banks, post offices, shops, exchange offices, gas stations, etc.

Western Union - Russia

On Russian market The Western Union system came in 1991, opening a subsidiary company, Nebankovskaya LLC. credit organisation"Western Union DP Vostok" (Bank of Russia license No. 2726-C). The head office (bank) of Western Union DP Vostok is located in Moscow, where there is also a reference and information center. The company has no branches in Russia.

The total number of customer service points of the Western Union system in Russia exceeds 14,000. In the CIS countries, more than 35,000 points of acceptance and payment of money transfers are connected to the Western Union network. Some of them are open 24 hours a day and seven days a week.

In Russia, the Western Union system brand is easily recognizable, and the Western Union logo looks like this:

Western Union Logo

In Russia, Western Union (Western Union) money transfers are carried out using almost 500 banks and the Russian Post. I will cite some Russian banks that offer clients transfers through the Western Union system, these are: VTB 24, Alfa-Bank, Gazprombank, MDM-Bank, Bank of Moscow, KMB-BANK, Absolut Bank, Bank Vozrozhdenie, RRDB, Baltinvestbank, Prominvestbank, Bank24.ru, Baltic Bank, JSC KB " Eastern Express" etc. Knowing the location of these large banks, the addresses of Western Union points are easy to find.

And here Sberbank of Russia and the Western Union company, although they signed an agreement in 2011 to provide international money transfer services in the branches of Sberbank of Russia, Sberbank does not yet offer Western Union transfers to clients.

On the territory of Russia, Western Union money transfers are accepted and paid mainly only in cash without opening an account. Currency in which transfers are made:

• For transfers within Russia - Russian rubles.
• For transfers to/from countries near and far abroad - US dollars or Russian rubles (with conversion to the currency of the country of receipt of the transfer).
• Based on transfers from countries Far abroad through Russian Post branches - only Russian rubles.

Conversion of money transfers into foreign currency or rubles is carried out by the Wester Union system itself at its own exchange rates, which provides the system with additional income from this procedure.

Monetary wire transfer Western Union can also be sent from the bank account of individual banks, although the number of banks providing this service is extremely limited. So, the system offers the following types translations:

1. Through Internet banking (Bank Avangard; PrivatBank) - according to the standard terms and conditions of Western Union;
2. Through ATMs (CreditEuropeBank).
3. Through self-service terminals of the Eleksnet Company (St. Petersburg social commercial Bank) - .

Western Union and Russian Post

Since 2007, Russian Post has joined Western Union money transfers with its unique network of post offices. True, Russian Post, in order to avoid competition with its own postal money transfer services, carries out Western Union money transfers only to non-CIS countries. But even this brings all Russians living in the most remote hinterlands of the country much closer to world civilization. More than 3,060 post offices of the Russian Post service Western Union transfers to and from far abroad countries.

Russian Post does not carry out Western Union money transfers within Russia and in the following directions: Azerbaijan, Armenia, Belarus, Estonia, Georgia, Kazakhstan, the Republic of Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Ukraine.

Western Union transfers via Russian Post are carried out only in Russian rubles.

Western Union tariffs

The cost of a money transfer is set according to Western Union tariffs and depends on the size of the amount of money being sent and the currency of the transfer.

The fee for a money transfer using the Western Union system is charged only to the sender of the money transfer. The recipient of the transfer is not charged a fee. In addition to the rates for sending money transfers in US dollars, the system retains the difference between currency exchange rates.

Transfer rates are set in the following currencies:
Tariffs for transfers are divided into two types:

• Urgent.
• 12 hours*.

*Payment of a “12 hour” money transfer is carried out after 12 hours from the moment of departure.

Western Union tariffs introduced for money transfers and payments from April 15, 2014, can be viewed here:

For countries such as China, Mongolia, Hong Kong, Taiwan, Maccao and Vietnam, individual tariffs for money transfers have been established.

When sending a transfer from Russia, it is sometimes necessary to provide a document confirming the legal origin of the foreign currency (customs declaration or certificate f. 0406007).

How to get Western Union in Russia

The transfer can be received at any service point in the destination country. To receive a transfer in most countries, the sender will need:

• Government issued photo ID.
• Money Transfer Control Number (MTC).

Transliteration of Russian words when working with Western Union (Western Union)

The Western Union system has one feature. When filling out the Last Name, First Name and Patronymic in the Application for receiving or sending a transfer, all correspondence with the Western Union Customer Service Center, as well as the selection of system service points around the world, is carried out using transliteration of Russian words, i.e. simple writing of Russian words using Latin characters, which is difficult for some people without a table. So, for example, in correspondence with the Wester Union system, Moscow is written as - Moskva, St. Petersburg is written as - Sankt Peterburg, the word “question” is written as “vopros”, etc.

For the convenience of transliteration (translation) of Russian words into Latin, I provide a standard table of symbol correspondence:

Correspondence table between Russian and Latin alphabets
Russian	Latin	Russian	Latin	Russian	Latin	Russian	Latin
A	A	Z	Z	P	P	H	CH, TCH
B	B	AND	I	R	R	Sh	SH
IN	V,W	Y	Y	WITH	S	SCH	SCH
G	G	TO	K	T	T	Y	Y
D	D	L	L	U	U, OU	E	E
E	E	M	M	F	F, PH	YU	YU, IU
Yo	YO	N	N	X	KH,H	I	YA, JA
AND	ZH	ABOUT	O	C	T.S.

The table can be viewed at any point where the transfer is sent, and since when sending a Western Union transfer, the sender is responsible for the correct spelling of the names of the recipient and the sender, it is better not to fill out the form without it. And yet, First and Last names on the forms must be indicated strictly in accordance with the entry in the passport.

Western Union Gold Card

In order to increase competitiveness and expand the market for its services, Western Union has launched the Western Union Gold Card loyalty program in Russia since July 2008 for clients who repeatedly make money transfers through the Western Union system. This loyalty system already operates in 65 countries around the world. Loyalty program Gold card Western Union® is aimed at rewarding regular customers of the system with bonuses.

The Western Union Gold Card loyalty program is based on the introduction of special cards that reduce the processing time of a transfer and identify regular customers from the database. Western Union cards (Western Union Gold Cards) are loyalty cards only for customers who regularly send transfers via the Western Union system (more than once a year). After each money transfer using a card, the client is awarded bonuses, which can later be used to reduce the cost of the next transfer.

About the loyalty program and the principles of operation of the Western Union Gold Card can be found in the section: “Western Union Gold Card”

Restrictions or maximum amount of Western Union transfer from Russia

• A resident client has the right to send a transfer to foreign currency abroad, in a maximum amount not exceeding 5,000 US dollars.
• A money transfer can be made by a resident Client no more than once in one business day “for current expenses” without submitting supporting documents.
• Transfers for commercial or entrepreneurial purposes, for the purchase of real estate or investment activities are prohibited.
• A non-resident client has the right to send a transfer within maximum amount established by the Western Union System or within the limits of amounts allowed to be received in the country of receipt;
• The maximum amount of a money transfer marked “Urgent” is not limited, with a transfer stamp “12 hours” - no more than 100,000.00 (one hundred thousand) rubles or 3,000.00 (three thousand) US dollars.

Banks and Russian Post accept and issue money transfers upon presentation of the following identification documents:

1. For citizens of the Russian Federation.
   
   
   • Internal civil passport or a document replacing it;
   • Officer's identification card or military ID (for Russian military personnel);
   • Seafarer's passport (seafarer's identity card);
2. For foreign citizens.
   • Passport foreign citizen or other document established by Federal Law or recognized in accordance with international treaty Russian Federation as an identification document of a foreign citizen + residence permit in the Russian Federation for permanently residing foreign citizens.
3. For stateless persons.
   • A document issued by a foreign state and recognized in accordance with an international treaty of the Russian Federation as an identification document of a stateless person;
   • temporary residence permit or residence permit on the territory of the Russian Federation.

Design errors that lead to translation blocking

When processing a transfer, errors also occur that can block the issuance of a money transfer to the recipient. The transfer issuance is blocked in the following cases:

• An error was made when filling out your full name. recipient or sender of the money transfer.
• An error was made when transmitting the Money Transfer Control Number
• the operator of the money transfer acceptance point mixed up the names of the recipient and the sender of funds when transmitting data.
  Such errors are corrected when the sender visits the transfer point from which the transfer was made and presents a copy of the form indicating the Money Transfer Control Number.

Errors and subtleties of processing Western Union translations

There are some subtleties when preparing Western Union transfers:

• An unclaimed transfer remains in the Western Union system for 4 months. During this period, the sender can always revoke it. The translation is then transferred to the system archive or returned to the sender. It is also possible to obtain it from the archive, but this is a more complex and lengthy procedure involving writing an application for restoration of the translation.
• The amount of money transfer sent but not yet received by the recipient can, if necessary, be returned by visiting the transfer point from which the transfer was made. You must have a copy of the form indicating the Money Transfer Control Number and an identification document with you. Commission fees for money transfers are non-refundable.
• In order to meet the requirements Federal Law No. 115-FZ of 08/07/2001 “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism”, when making transfers via Western Union systems, the payer must indicate in the application the surname, first name and patronymic, as well as the address place of residence (registration) or place of stay. In the absence of this information, banks will refuse to send the transfer to the payer.
• Wester Union money transfers are permitted for personal use only and cannot be used for commercial or business purposes, for the purchase of real estate or for investment purposes.

No other money transfer system in the world can boast such a long history of existence. Initially, the company's activities were related to telegraph communication services. The first money transfers began more than 150 years ago, and since then Western Union has become the most popular organization with representative offices all over the planet.

Terms of sending and payment of transfer

In order to send money, it is enough for the partner’s employee to indicate the country, last name and first name of the recipient in Latin letters. The cashier is given the amount and commission for the Western Union transfer. After this, the sender receives a document containing a control number; it always consists of ten digits.

As soon as the system assigns a unique number, the funds are ready to be received. The recipient needs to go to a convenient location with documents that will confirm his identity. You need to know the exact amount, who the sender is and the control code. There is no charge for receiving, because the percentage for Western Union transfers is paid once, at the time of sending. An important condition use of the service is confirmation of the fact of the non-commercial purpose of the translation.

Cancellation, return and adjustment of operation

There are often situations when a translation needs to be returned or some data needs to be corrected. It is worth figuring out when a cancellation occurs, and when a return occurs, and whether the sender incurs any losses in one case or another. If the sender returns to the sending office on the day of the transaction, then he will not suffer losses: the company will return both the amount and the cost of the Western Union transfer. Such an operation is considered a cancellation. If it is the next day or even later, the commission will be lost. In such a situation, the operation is considered a refund.

Sometimes the recipient is refused to pay the money because the last name and first name entered into the system do not match the passport data. In this case, an adjustment will be required. The sender needs to return to the same office and provide correct information. This type of operation does not incur losses.

Amount restrictions

The maximum limits for amounts that can be sent or received using Western Union are set legislative framework states participating in operations, as well as the limits of the system itself. For example, the system, together with Russian law, limits sending by residents to 5,000 US dollars per day. As for currency, payment is made either in national currency or in US dollars.

You can send both American dollars and rubles. But it is worth knowing that an amount equal to the equivalent of the local currency will be paid, and the conversion will take place at the rate of the Western Union system or the agent company.

Western Union tariffs

Citizens wishing to send funds are interested in the rates of Western Union money transfers. The regularity of the tariff schedule is as follows: the farther the recipient’s country is geographically, the higher the service costs; the higher the amount, the lower the commission. Conventionally, all partner countries are divided into four categories, taking into account domestic transactions, transfers of funds to CIS countries, near and far abroad.

In rubles

Unlike traditional postal transfers, the system has an undeniable advantage - the operation is instant. But, legally within Russia it is permissible to send only national currency- rubles. As of today, the following tariffs for Western Union transfers in rubles remain effective: in Russia:

(rub)	Commission (RUB,%)
100-10000	100
10000-100000	1%
Exceeding 100000	1000

To Kazakhstan and Azerbaijan:

(rub)	Commission (RUB,%)
100 -10000	80
Exceeding 10000	0,8%

(rub)	Commission (RUB,%)
100-2500	250
2500-5000	500
5000-10000	750
10000-15000	1000
15000-20000	1250
20000-25000	1500
25000-30000	1778
30000-40000	2028
40000-50000	2278
50000-60000	2528

Given active trade relations, senders are often interested in the Western Union commission for transfers to China. The same rates apply for sending to Hong Kong, Taiwan and Mongolia:

To Turkmenistan and Belarus:

(rub)	Commission (RUB,%)
100-5000	100
5000-50000	2%
50000-100000	1,5%
Exceeding 100000	1%

From Russia to Ukraine:

To foreign countries:

(Doll)	Commission (USD,%)
3-100	10
100-200	20
200-400	30
400-600	40
600-800	50
800-1000	60
1000-1200	71
1200-1600	81
1600-2000	91
2000-2400	101

To Vietnam, Taiwan, China, Mongolia:

To the Czech Republic and the Baltic countries:

To Georgia, Tajikistan, Moldova and Kyrgyzstan:

To Belarus:

To Uzbekistan:

To Ukraine:

Before sending, you should check what percentage Western Union charges for translation today, because prices change periodically.

Transfers to legal entities

Several years ago, the company began carrying out operations to send money abroad to legal entities. The popularity of this service is growing every year. Such operations are performed:

• to pay for student tuition educational institutions Worldwide;
• to pay for purchases in online stores in any country;
• payment for travel packages;
• payment for all kinds of services provided by foreign organizations.

Once the transfer enters the system, the recipient organization will be notified via electronic confirmation. And on the next business day the money is credited to the company’s account. For successful sending, you must provide the system point employee with information about the company and details.

Transfer to foreign legal entities. persons is made in US dollars. And the transfer takes place in the currency that is provided for each specific organization. If the client deposits an amount in rubles when sending, it will be automatically converted into dollars. The size of border tariffs to legal entities in dollars depends on the amount:

In rubles:

Amount (RUB)	Commission (RUB,%)
1-90000	450
90000-150000	750

Restrictions on sending amounts are similar to transactions performed in favor of individuals. persons According to the laws of the Russian Federation, a client can send no more than $5,000 in one day.

Advantages

In addition to loyal rates, Western Union transfers have many advantages compared to similar systems:

1. The largest network of representative offices around the world, which successfully operates in more than 200 countries, where more than half a million points are open. More than thirty-five thousand such points have been opened on the territory of the post-Soviet countries.
2. To carry out transactions no account opening required oh, this applies to both sides.
3. Speed, simplified design, reliability and convenience. The transfer can be received immediately, regardless of the distance at which the recipient is located. According to the official data of the company, during the entire period of its existence, not a single transfer was lost or reached the recipient.
4. Possibility to send a written message and notice along with money.
5. Safety. World-class security ensures that only the person designated by the sender can receive the money.
6. Such a transfer is not considered addressed, this means that you can receive it in any city in the recipient’s country. For comparison: there are some address transfer systems, using which it will be possible to receive only at the point address specified by the sender.

These characteristics make the system even more competitive and preferred by consumers.

Additional WU services

In addition to fast sending, the sender can take advantage of the opportunity to order one of the additional services provided. Eg - Security Question, another additional protective measure. To use it, you just need to indicate a security question on the form and pass the answer to the recipient of the transfer. The transfer will be issued only when the recipient gives the correct answer.

Also, for a separate fee, you can order notification of the recipient by phone. Sometimes it is convenient for the sender to have the transfer paid by check; this is also possible using the system, but this service does not work for all countries.

The most popular is the text message service. Most often it is used in order to material gift Congratulate the recipient with words. However, the message is limited in quantity; it cannot be more than 20 words.

Western Union Gold Card

To maintain its competitiveness, the system does not stand still, constantly improving and introducing new additional products. One of these developments was the plastic Western Union Gold Card, which is issued to regular senders. In Russia, such plastic began to be issued in 2008. Geography new service is constantly growing, now they are successfully issued in more than 65 countries around the world.

The gold card provides certain benefits to regular sending customers. For each transfer sent, you receive incentive bonuses. Due to them, the sender gets the opportunity to reduce the tariff for a subsequent operation. Such a card significantly reduces the processing time: using the system database data, the client is identified faster.

The only condition for obtaining such plastic is the frequency of operations performed at least once a year.

Modern methods of sending and payment

If previously, to complete a transaction, you had to contact one of the points of the system’s partners, then modern technologies allow you to choose the most convenient way, individually for each client. Now you can send or deposit money yourself even while sitting at home. To do this, card accounts must be opened in any bank. Having access to his online account, the sender himself fills out the proposed form, indicating all the necessary data of the recipient. The transfer amount along with the commission will be debited from the specified card, and the system will generate a control number, which must be transferred to the recipient. Likewise, the recipient does not need to personally contact the bank. You just need to fill out the form in your online account, indicating the control code and the account to be credited.

Transactions carried out using ATMs are no less convenient. Using a simple menu, you can make a shipment with a plastic card with a sufficient amount in your account. Such Alternative option convenient on weekends when points are closed.

Not having plastic card You can send via TSO (self-service terminals). The disadvantage of this operation is the restriction on the transfer amount, which cannot be higher than 15,000 rubles.

If you need to transfer cash rubles, you can use one of the post offices that are partners of Western Union. To complete a transaction, the client needs to have a document with him. Current tariffs, addresses, contacts and operating hours of partner points can be found on the Western Union website. In addition, there you can check the condition and status of the sent transfer, and take advantage of the opportunity to send money online.

The Western Union is an American company that specializes in money transfer services. It was founded in 1851 in Colorado. Today the company is the market leader in providing money transfer services around the world. Before getting involved in money transfers, the organization provided telecommunications services. Read more about where and how to receive a Western Union transfer.

Prerequisites

In 1832, S. Morse and A. Veila began work on creating a mechanical telegraph. Five years later they filed documents to register a patent for their invention. The principle of operation of the telegraph was that the signal was transmitted through electrical channels by long and short waves of current. They were called "dashes" and "dots". Then, using a special code table, the signs were translated into words. Having received permission to develop, Morse and his partner formed a company. For these purposes, he even received a subsidy from Congress in the amount of $30 thousand. The funds were used for the construction of telegraph poles. The first message was sent on May 24, 1844, from the Capitol to Baltimore.

In 1845, Morse, with the support of his new partner Amos, attracted a group of investors and began issuing licenses for his telegraphs to everyone. By 1851, there were 50 telegraph companies in the United States. But the government did not see the prospects of the development. Competition in the market has become tougher. Everyone bought licenses and created their own independent telegraphs.

By 1856, the company combined all the disparate lines into one and called it the Western Union Company. Four years later, the company won a bid to create a communication line crossing the mainland, and launched a 2,000-mile line in 112 days. The first telegraphs were delivered via messengers. By that time, the prospects of this service were appreciated not only by Railway, but also news agencies that began to disseminate news through mechanical devices.

Switch to money transfers

The era of e-commerce began when the company began transferring funds by telegraph in 1871. After 6 years, the company absorbed its only competitor in the market - The Atlantic and Pacific Company. The advantage of Western Union at that time was a wide network of branches and a monopoly on railway stations. In addition, the company developed its own voice communication device, which emitted signals clearly and loudly. Such rapid development of the company contributed to the fact that on July 3, 1884, the company's shares were included in the Dow Jones stock index. Main stages of development of Western Union:

1914 - release of the world's first debit card.

1920 - transmission of photographic images via telegraph (the service was in great demand among journalists).

1930 - introduction of telex - services for exchanging information between companies.

1935 - Facsimile communication was introduced in cities.

1964 - Telegraph pole lines were completely replaced by the transcontinental microwave system.

1980 - income from money transfers exceeded income from services using telegraphs.

1988 - change of name to Western Union Corp.

2000 - launch of a website with the ability to send money transfers online.

2009 - buyout of a controlling stake in Fexco, acquisition of 10 thousand service points in 7 European countries.

Western Union today

Today, Western Union branches are represented on all continents of the world. Where can I get a Western Union transfer? At more than 380 thousand collection and collection points located around the world. The transaction can be carried out through an account, card or cash at a service point.

Briefly about translations

The application processing time can last from several minutes to several hours. It all depends on which region the funds are sent from and to. The company's tariffs are changing in a similar way. They will be presented in more detail below.

Transfers are usually paid out in the currency of the recipient's country. Although in Russia, Ukraine and the CIS countries, transactions can also be carried out in US dollars. Where can I get a Western Union transfer? Information about the nearest service point can be obtained on the official website of the system.

Advantages

Western Union money transfers have the following important features:

• Conduction speed. Transactions are completed in a few minutes. You can receive a Western Union transfer to St. Petersburg, sent from the USA, in 5 minutes. You just need to take into account the difference in time zones and the operating hours of service points.
• Reliability of the transaction. Each transfer is protected by a security system in the form of a unique control number. This system ensures that funds are only given to the person named in the application.
• Convenience. There is no need to open a bank account to carry out the transaction. A transfer application can be submitted at any service point on any day of the week. In some countries, service points only issue funds. Applications must be sent through the bank.

Western Union in Russia

The international electronic payment system entered the domestic market only in 1991. First, a subsidiary company, Non-Banking Organization Western Union LLC, was opened. The head office and information center were located in Moscow. There are more than 14 thousand service points in the Russian Federation. Some of them work 24 hours a day.

You can send and receive funds not only through a service point, but also through a bank. Which bank can I receive a Western Union transfer from? In Russia, MDM, Absolut, Prominvestbank, Vyatka Bank, Omsk Bank and others actively cooperate with the money transfer system credit institutions. Although Sberbank signed a cooperation agreement in 2011, it still does not provide services for accepting international transfers.

How to send a transfer?

• You need to contact any service point (bank, post office).
• Fill out the application form, indicating the recipient's full name, country and city.
• Show your passport.
• Deposit the amount including commission into the cash register.
• Get a receipt.
• Inform the recipient of the transfer amount and control code.

It is worth noting that credit institutions make transfers upon presentation of the following documents:

• Citizens of the Russian Federation: internal passport, military ID or sailor's passport.
• Foreign citizens - passport.
• Stateless persons: residence permit or residence permit.

How to receive a Western Union transfer?

• Check with the sender for the transfer amount, control code, correct spelling of full name, country of departure.
• Contact any service point.
• Fill out the form for receiving funds, indicating the sender's name, payment amount, code.
• Show your passport.
• Receive the transfer amount from the cashier.

Before receiving a Western Union transfer, you need to look at the status of the transaction on the system’s official website. Through service points you can also order delivery of a check to your home, send a notification by phone or send a message along with the transfer.

How to receive a Western Union transfer in Moscow? You need to contact a service point. The service of receiving payments through the Western Union system website is not available to residents of Russia. How to receive a transfer through Russian Post? The same as through any other service point. You must provide your passport and control code. Cooperation between Western Union and Russian Post began in 2007. To avoid competition, transfers through this intermediary are accepted only in rubles and are sent only to foreign countries. Despite these restrictions, Russians who live in the outback of the country can send and receive transfers through Western Union.

Conditions

Having figured out how to receive a Western Union transfer, let’s take a closer look at some of the conditions for making transactions:

• A resident can send a transfer abroad in the amount of up to $4999.99. A resident can send a transfer once a day without submitting supporting documents.
• A non-resident can send no more than $2,999.99.

Where can I get a Western Union transfer? The addresses of partner banks are presented on the official website of the system.

Rates

The cost of the service directly depends on the country of departure and receipt. So, for an internal transfer within Russia in the range of 3-144 thousand rubles. you will have to pay 4-10%. For each subsequent increase in the amount by 6 thousand rubles. you will have to pay an additional 240 rubles. in the form of a commission. In addition, for each transfer of funds over 3 thousand dollars within the “12 hours” tariff, you will have to additionally submit supporting documents.

From Russia to Belarus and Tajikistan you can send from 100 to 3500 thousand dollars. For this operation, the system charges 3-6%. Such preferential tariffs are established only for neighboring countries. If the transaction is carried out in rubles, you will additionally have to pay a commission for reconverting funds at the system rate.

Gold Card

In 2008, the system launched the Gold Card loyalty program. At this point, it was already successfully operating in 65 countries around the world. For each transaction performed using the card, bonuses are added to the virtual account, which can be used when paying for services. In addition, the card reduces the time for processing the transfer and identifying the user.

Errors

The issuance of funds may be blocked due to incorrect indication of the full name of the recipient, sender or control code. How and where to receive a Western Union transfer in Moscow? In such cases, you should clarify the transaction details with the sender. An error can also occur due to operator inattention, for example, if the names of the sender and recipient are mixed up. Only the sender can correct this error by contacting the service point with a copy of the receipt. The recipient will be able to receive the transfer at any bank.

Unclaimed payments are stored in the system for four months. During this period they can be withdrawn at any time. The transfer is then sent to the system archive or returned to the sender. Funds can be retrieved even after data has been archived. But this procedure is longer and consists of writing an application to restore the translation.

The amount sent but not paid can be returned through the service point. To do this, you need to provide a copy of the form with the control code and your passport. The commission for an imperfect transaction is not refundable.

Money transfers are only available individuals. Payments are made only for personal needs (except for the purchase of real estate and investments). Use the system's services commercial organizations neither can entrepreneurs.