Money transfer example. The concept and types of money transfers

385683 IBAN What is IBAN. What is IBAN used for? Requirements of EU Directives No. 2560/2001 and No. 1781/2006.
106371 Payment systems Payment system - a service for transferring money and other funds in electronic or physical form. International card payment systems (VISA, MasterCard, American Express).
80305 SWIFT SWIFT (Society for Worldwide Interbank Financial Telecommunications) is a community of worldwide interbank financial telecommunications. Created in 1973 with the aim of providing telecommunications services to banks - members of the community in the payment market, as well as standardizing the forms and methods of exchange financial information between them.
79784 Express money transfers "Forsage" of the Russian Post Money transfers "Forsage" - system money transfers Russian Post. Postal transfer "Forsage" is carried out on the territory of Russia between individuals. Reception and payment of the money transfer "Forsage" is carried out in cash, in rubles.
70985 MoneyGram money transfer system International system MoneyGram money transfers. How to send and receive a money transfer through the MoneyGram system. Official website of MoneyGram.
67550 Currency transfers abroad Currency transfers abroad (transfer of currency abroad) - can be carried out by both residents and non-residents of Russia. Individuals can carry out currency transfers to other countries from Russia without opening a bank account.
55103 Payment details What are payment details. Required details payee. Mandatory details of the sender. Payment details individual entrepreneurs. Features of filling in payment details.
51301 MasterCard MoneySend What is Mastercard MoneySend. How to make a Mastercard MoneySend transfer. Deadlines for crediting funds to the card account for transfers through the Mastercard MoneySend service. Commission for the Mastercard MoneySend service.
50089 Sberbank money transfers Sberbank money transfers. Types of money transfers offered by Sberbank. Internal transfers. International transfers. Terms of money transfers in Sberbank. The cost of money transfers.
49720 Electronic wallet What online wallet. What is a virtual wallet for? Possibilities of an electronic wallet. Ways to replenish the wallet.
49438 PayPal How to pay for purchases using PayPal. Benefits of using a payment system. Disadvantages of PayPal
47285 "Zolotaya Korona - Money transfers" system System "Zolotaya Korona - Money transfers". Members of the money transfer system. How is the transfer and receipt Money through the system "Zolotaya Korona - Money transfers". What does the transfer fee depend on?
43857 Yandex.Money Yandex.Money is an electronic payment system designed to transfer money and make purchases over the Internet. The system was created in 2002 jointly with Paycash. In March 2007, Yandex bought out a share from its partner and became the full owner of the settlement service.
41873 Blitz money transfer system of Sberbank of Russia "Blitz" transfer of Sberbank. Money transfers "Blitz" of Sberbank of Russia is a popular transfer system without opening an account. "Blitz" transfer of Sberbank has been operating since 2006. "Blitz" transfer can be made within the Russian Federation.
41279 Withdrawing money to a bank card in the Yandex.Money payment system How to withdraw funds to a bank card in the Yandex.Money payment system. The amount of the commission for the transfer. Minimum and maximum transfer amount.
39409 Fast payment system What is a fast payment system. How does the fast payment system work?
38627 Money transfer system Contact Russian system and international money transfers Contact. How to send and receive a money transfer through the Contact system. Official website Contact.
36901 Transfers without opening an account Transfers without opening an account. Money transfers without opening an account are made by individuals in rubles and foreign currency through banks. Bank transfers without opening an account should not be related to business activities.
29992 migom Money transfer system Migom ("Migom"). Representations. What you need to transfer money using Migom. Receiving money through the Migom system. Cost of Migom services
28915 Payment system "International money transfers Leader" Money transfer system "Leader". Emergence of the "Leader" transfer system. Leader money transfer system network, number of points and coverage of countries.
24632 Instant money transfers "Blitz" of Sberbank in Russia Urgent money transfers "Blitz" of Sberbank without opening an account and only in rubles. To make Blitz transfers, you need to contact the bank branch with a passport, write a corresponding application and deposit money into the cashier, taking into account the commission.
24412 Client card of money transfer system "Leader" Client card "Leader". The client card of the "Leader" system is multifunctional. The client card of the "Leader" money transfer system contains information about its owner and recipients of the transfer. This reduces the time for processing the translation.
24315 RBK Money Payment system RBK.money. How can I pay with RBK.money.
21824 Western Union money transfer system International money transfer system Western Union. History of creation. Western Union activities in Russia. Financial indicators companies. Official website of Western Union.
18571 Money transfer system What is a money transfer system. Legislation regulating money transfers. The difference between money transfer systems and banks. Scheme of making a payment through the money transfer system. Notable members market.

Content

If you are left in a foreign city without a penny, do not despair, because you can always ask friends, relatives or colleagues to transfer you a couple of thousand to where you are now. Many companies will agree to send money anywhere in the world for a certain fee. To do this, you can use bank transfers of cash or online card-to-card transactions.

What is a bank transfer

Bank money transfers are the most common form of international payments, although they are also actively used within the country. In a simple sense, this is a method of transferring funds from one person to another, carried out, as a rule, through direct correspondent accounts. With development computer technology the process has become not only simpler, but also takes very little time - sometimes on the order of a few seconds. The banking legislation of the Russian Federation distinguishes three types of transfers, each of which has its own specifics and implementation rules:

simple (documents from the exporter are sent directly to the importer);
documentary (carried out only upon presentation of financial documents);
using bank checks.

Inside the country

Internal transactions can be made both between different banking institutions and within the organization itself. Interbank transactions take place not directly, but through the Central Bank ( National Bank). You can do them with the help of a teller upon application or using Internet banking. In the second case, you can save significant money, because there is no need to pay a commission for the services of a bank employee.

If you need to make a transaction between branches of the same bank in non-cash form, interbranch transfer is used. Compared to the interbank one, it takes less time, since it is carried out on internal settlement accounts. Often, this method of sending money is resorted to when there is a shortage of funds in one branch, for example, to pay a large amount to a client.

International transfer

For transactions between participants of different states in any foreign currency international bank transfers are used. One of the popular payment systems, which occupies a leading position, is SWIFT (SWIFT). It goes through the vast majority currency transactions between legal or natural persons from different countries. Each bank in this community has its own identification code. Under currency law, all transactions from abroad or within the country between residents and non-residents are subject to control.

From card to card of different banks

Each plastic has a 16-digit number, which is unique. It helps not only to identify the bank and the payment system that issued the card, but also to transfer money from one holder to another. To do this, you need to use an ATM, self-service terminal or the Internet and, by entering certain parameters, send money from one card to another. If there is a need to transfer a large amount of money, for security reasons it is recommended to use the services of a banking institution.

Remittance

A distinctive feature of a money transfer from a bank transfer is that the postal system can be additionally used for it, so they are more popular with individuals. They can also be domestic and international. Payment for utilities, fines, loans - these are also money transfers that Russian citizens use daily.

Members of the system

There are always at least three parties involved in a money transfer system:

sender. The person who initiates the transaction and usually pays for it.
recipient. The person to whom the money is addressed and who is the end user of the system.
the beneficiary's bank. The institution that receives the payment order.
intermediary bank. An organization that directly carries out the process, but is not the bank of the sender or the guarantor.

Purpose of transfer

The sender and the recipient have the right to independently determine the purpose of the money transfer. This can be payment for goods or services rendered, or simple transfers of money between people. When calculating, it is necessary to indicate for what the transfer was made. In the case of individuals, the sender must indicate that the transaction is not related to entrepreneurial activity.

How to make a bank transfer

The procedure itself does not take much time and effort. For its implementation, the sender needs to come to the office of the bank or post office and fill out an application for the transaction. The payer's order to other countries can be filled in Russian if there are interbank agreements. After it is checked by a branch employee and confirmed, you need to deposit the required amount through the cashier. At the conclusion, the sender receives a certain code, which he must inform the recipient. Only knowing the secret password, he can get the money.

Requisites for interbank transfer

To carry out interbank transactions, you need to know specific data. For individuals it is:

Full Name;
TIN of the recipient (not always required).

If the transaction is carried out in favor of a legal entity, then you need to provide:

name of company;
Checkpoint (not always required).

Since the account to which the money will be transferred is opened in a certain bank, you will need:

name of the beneficiary bank;
BIC (bank identification code) is the identifier of the bank, which each institution has its own;
correspondent account;
recipient's international account number in IBAN format (do not confuse it with the card number, especially if the money is transferred to plastic).

Features of cross-border transfers

Transferring money abroad is carried out according to certain rules. So, for example, if you need to quickly send a certain amount, and the recipient does not have a bank account, then you need to use one of the money transaction systems. If you have an account, you will need others Bank details recipient:

personal data of the addressee (full name) or company name;
Name of the bank;
SWIFT code;
recipient's account number.

How to make a transfer from card to card

Transferring funds from card to card is the easiest way to carry out. To do this, there is no need to visit a bank branch, fill out a lot of paperwork or fill out numerous recipient details. AT modern world p2p system is used to send money from card to card. To carry out a transaction, you must have a card of any bank, know the recipient's plastic number, his first and last name, as they are indicated on the card itself. After that, you need to go to the Internet service that performs this kind of operation, and fill in the proposed fields.

Online money transfer

Many users banking services Internet banking is used to make payments. This is a special application, to enter which the client uses special identifiers - login and password. Entering Personal Area you can make payments or carry out transactions between cards of one or different banks and even different payment systems. To do this, you need to know the name and surname of the owner of the plastic, as well as the 16-digit number printed on the front side. The data is entered in a special form, and the operation is confirmed by entering a session password.

Money transfer systems

You can transfer money within one locality or from one country to another by using the services of money transfer systems. Currently, there are more than a dozen of them (Moneygram, Migom, Cybermoney, etc. systems), but not every one is represented in all states. There are much more opportunities to send money within Russia and even neighboring countries than those that are able to send money to countries, for example, Latin America.

Blitz transfer Sberbank

Today you will not find in Moscow an offer to transfer funds using the Blitz system, since it has been replaced by a new and improved version - Hummingbird. For transactions, you can use not only Russian rubles, but also US dollars or euros. The operation itself takes no more than an hour. To transfer money, you will not need to open a bank account, although it will be possible to transfer money only through the territory of Russia and to those countries where there are subsidiaries of Sberbank. You can receive money by naming the control code, which is issued along with the receipt to the sender.

Western Union

The Western Union system is represented in more than 180 countries around the world. US dollars are used for transactions, although ruble shipments can be used within Russia. The addressee in another state will receive the money in national currency at the rate of the system. To send a sum of money, you only need to know the name of the sender, who, when issuing a transfer, must present a passport and name a unique ten-digit code. You do not need to open an account to complete the transaction. The recipient can withdraw money at any branch within 15 minutes, which can be regarded as instantly.

Gold Crown

The Russian electronic payment system is represented not only in the Russian Federation and the CIS countries, but also thanks to close cooperation with other payment systems, it offers sending money to other countries of the world, including some European countries, Turkey and China. It is possible to conduct online transactions via the Internet from the sender's bank card.

To carry out the operation, you do not need to open an account, and the whole process takes a few minutes. To send money, you need to fill out an application, and to receive it, you just need to specify a password and present a passport or other identity card. The code comes to the recipient via SMS, and the sender is informed about the receipt of the amount of money to the addressee.

Unistream

It is possible to carry out a transaction of funds between addressees in more than a hundred countries of the world. Moreover, in some of them it is possible to use only address (with the indication of the bank), and some unaddressed sending. Money can be in the system for up to 1 month, after which they will be returned back. Transfers in the system are made in rubles, euros and US dollars. It will be possible to receive money after a couple of minutes by presenting an identity card and naming a ten-digit code and the currency of the transaction. If necessary, you can cancel the transfer if it has not yet been delivered.

The Unistream system has launched a new Cash2Card service for its customers. It will allow you to send money using a bank account. Visa cards or MasterCard issued by Russian issuers, American Express and Diners Club International cards issued by Russian Standard Buck, as well as Visa and Master Card issued by foreign issuers. In addition, you can make a transaction through mobile app or self-service terminals.

contact

The first Russian payment system Contact gives those who wish the opportunity to make transfers in rubles, dollars and euros in more than 150 countries around the world. Money is credited from one hour to a day, depending on the country. The advantage of the system is that with its help you can not only transfer money, but also:

pay bills of legal entities;
replenish bank cards;
repay microloans or loans;
pay utility bills;
book air or railway tickets, etc.

Leader

Correspondent network of the system urgent transfers The leader is represented not only in Russia and the CIS countries, but also in other countries of the world. Unfortunately, in the Russian Federation, the network of its representative offices is not sufficiently developed, but with its help you can send money in rubles, dollars, euros. In addition, it is possible to carry out transactions in national currencies. To make a transfer, you only need a passport.

You can also use free service SMS informing. To do this, you need to specify the mobile phone numbers of the sender and recipient. The system will inform the recipient that the money has been sent to him, and the sender will be informed about the payment of cash to the addressee. There are several ways to send money through the payment system:

through cash desks of banks cooperating with the company;

using Qiwi terminals;
using the Alfa Bank card through Alfa-click;
via electronic payment service Lemoney.

Commission and limits

In order to translate a specific sum of money You must bring your ID with you. Since the transfer is not carried out free of charge, one must be prepared for the fact that, according to the terms of service, a certain percentage will have to be paid for each operation, which has its own nuances for each payment system. This also applies to the amount of the transaction. In the table below you can find the main parameters of the systems discussed above:

Payment system		Sending limits
	1,75% (minimum amount- 150 rubles) for settlements within Russia; When sending abroad - 1% from the sender and 1% from the recipient	For Russia: 500 000 rubles Beyond the limits Russian Federation: $5,000
	Depending on the amount and destination country of payment	$5,000
gold Crown		$20,000; 15,000 euros.
	From 1%. Depends on the amount, the country of sending and receiving, and the chosen method of sending.
	1–3.5% depending on the type of currency and country of destination.	$20,000; 20,000 euros.
	Depending on the amount and country of destination	Maximum 590,000 rubles. or USD/EUR 20,000 depending on the country of destination.

Advantages and disadvantages of bank transfers

Having a certain understanding of banking transactions, one can single out their main advantages:

process speed;
universality (additionally, payments can be made in favor of individuals or legal entities);
good system security;
the ability to track the status of the transfer.

If we talk about weaknesses, the following points should be noted here:

payment system service points are not available in all countries, regions and settlements;
charging a commission;
amount limit.

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Money transfers is the transfer of funds from the sender to the recipient with the help of the relevant payment system operators through national or international ones with the aim of crediting funds to the recipient's account or issuing them in cash.

Participants in money transfers

In the structure of a money transfer there is always a sender, a recipient and an intermediary - an operator payment system who charge a fee for their services.

Both an individual and a legal entity can act as a sender or recipient when making a money transfer.

The payment system operator acts as an intermediary. They can be: countries, International, licensed to carry out money transfers, mail divisions.

Types of money transfers

Money transfers can be carried out both within the same state - the so-called domestic money transfers, and beyond - international money transfers. Domestic money transfers, as a rule, are carried out in the national currency, while international money transfers are carried out mainly in the most “travelling” world currencies. In this case, the recipient can receive both foreign currency and its equivalent in national currency (the currency legislation of some countries establishes the requirement for mandatory conversion of foreign currency).

Money transfers can be made with account opening, and without opening it. In the first case, you will need to open an account in banking institution, but most people already have open accounts, for example, when opening payment card, incl. within . Money transfers with opening an account are relatively inexpensive and convenient. if available, the payment can be made remotely, i.е. without visiting a bank branch, and when making a money transfer from card to card, payment can also be made through various online services.

Money transfers without opening an account can be carried out:

to arbitrary details: for this, the payer fills out an application form for the transfer at the bank, indicates the details and name of the recipient, details of the recipient's bank and deposits cash through the bank's cash desk, and also pays a commission for the transfer according to the bank's tariffs;
within the framework of concluded agreements — acceptance of payments from individuals in favor of a legal entity (for example, for utilities, for the services of telecom operators, for Internet services, etc.) if there is a concluded agreement on accepting payments between the bank and the company. As a rule, no commission is charged from an individual for such payments (it is paid by a legal entity) or it has a minimum amount;
through various systems money transfers (from local to international), which include, for example, MoneyGram, Unistream, PrivatMoney, Anelik and others;
through liaison offices mail order.

There are also electronic money transfer systems, such as Yandex.Money and. essence electronic systems is that the system issues virtual accounting units that have a certain ratio with real world currencies. Users of the system can at any time send conventional units over the Internet from one to another. If necessary, accounting units can be converted into real money - both non-cash and cash.

Very often in conversations the expression is used: “Money transfer systems such and such” or “Money transfer systems such and such”. What are money transfer systems, and what is it in general?

money transfer system, this is organizational structure, which developed the rules for accepting and transferring funds between individuals, which reinforced these rules software and ensured the transfer of information by means of electronic communications. Each money transfer system has its own clearing center, program support service and support for partners working with clients. Each money transfer system operating on the territory of the Russian Federation, as a rule, has its own corporate logo, and must have a license from the Central Bank of the Russian Federation to make money transfers.

Money transfer systems are divided into:

banking;
not banking
mixed - banking and non-banking

And the systems differ in terms of non-cash payments by individuals:

Implementation of non-cash payments by individuals on a current account.
Carrying out money transfer operations on behalf of individuals without opening a bank account.
Mixed settlements - in which, on the one hand, the withdrawal / crediting of the account, and on the other hand, the issuance / sending without opening an account

The most popular and widespread among the population today are systems of money transfers of individuals, which are carried out without opening a bank account. Each system develops its own rules for receiving and issuing transfers, its own tariffs and restrictions.

The implementation of cashless payments by individuals in the currency of the Russian Federation on the territory of the Russian Federation on bank accounts opened on the basis of a bank account agreement or without opening a bank account is regulated by the Regulation Central Bank RF dated April 1, 2003 N 222-P "On the procedure for making cashless payments by individuals in the Russian Federation", which was developed in accordance with part two Civil Code Russian Federation, Federal Law "On Banks and banking and other regulations.

Russia is a large country, there are a lot of banks in it, therefore there are a lot of money transfer systems offered by banks to the population. The most popular among the population are banking systems of money transfers (without opening an account), postal orders of the Russian Post and non-banking systems that cooperate with Banks and Russian Post.

At the beginning of 2012 alone, more than 30 different Russian and foreign money transfer systems were operating on the territory of the Russian Federation. Therefore, before each client who needs to transfer funds, the question arises which of the money transfer systems to choose. When choosing a money transfer system, each client seeks to combine such different requirements as:

The price and quality of the service provided;
Speed and geography of service provision;
Transfer currencies.

Now I bring to your attention short description the most common and popular money transfer systems in Russia:

International money transfer system Western Union

International not banking system Western Union money transfer is one of the largest and most widespread international money transfer systems in the world. The system has been operating in the money transfer market since 1851, that is, more than 160 years. The organizer of the money transfer system is the American Company WesternUnion (NYSE: WU). Western Union's global network includes more than 410,000 customer service points in more than 200 countries and territories around the world.

In Russia, this money transfer system has been operating since 1991, having opened a subsidiary company Nebankovskaya credit organisation"Western Union DP Vostok" (license of the Bank of Russia No. 2726-C). Head office subsidiary Western Union DP Vostok is located in Moscow. As of the end of 2009, the total number of Western Union customer service points in Russia is over 14,000, and continues to grow. The Western Union system applies a flexible tariff policy.

On the territory of Russia, transfers are made without opening a bank account and without crediting to an account, from account to account via the Internet. Money transfers are paid only in cash:

For transfers within Russia - Russian rubles.
For transfers to / from countries of near and far abroad - in US dollars or Russian rubles (with conversion into the currency of the country of receipt of the transfer).
For transfers from non-CIS countries, through the Russian Post - only in Russian rubles.

The commission fee is deducted only from the sender of funds, and its amount depends on the transfer amount and currency. Tariffs also differ depending on the direction of the transfer. Thus, tariffs for translation and related services are divided into three types:

across Russia;
In the near abroad;
To far abroad.

Since July 2008, the Western Union Transfer System has launched the Western Union Gold Card loyalty program in Russia for customers who repeatedly make money transfers. Such a loyalty system is already operating in 65 countries of the world and is based on the introduction of special cards - Western Union Cards (Western Union Gold Cards). This allows you to reduce the processing time of the transfer and the identification of regular customers in the database. Loyalty program - golden card Western Union® is aimed at encouraging regular customers of the system by accruing bonuses.

The Western Union system works with such Banks of Russia as: Gazprombank, VTB 24, Bank of Moscow, Alfa-Bank, MDM-Bank, Bank24.ru, Baltiysky Bank, JSC KB " Eastern Express" and etc.

International money transfer system MoneyGram

This international money transfer system is organized American company MoneyGram International Limited is headquartered in Minneapolis (USA). The first transfer was sent in 1940 in Minneapolis (USA). The system network connects 244,000 points and local agents in 192 countries and regions of the world. In the CIS countries, the MoneyGram network has over 26,000 service points.

MoneyGram Partners in Europe are: financial structures like Royal Mail of Great Britain and Norway, Post of Italy, Bank of Ireland, Banco Popular Espanol, Kocbank, Finansbank and many others.

The system has been operating on the territory of the Russian Federation since 1996 and cooperates with such banks as: Sberbank of Russia, Rosbank, Raiffeisen Bank, Vostochny Express Bank, URALSIB Bank, Sviaz Bank, Rus Bank, etc.

Transfers are made without opening a bank account (in US dollars, Euro or local currency). The commission for the transfer is from 1%, depending on the amount and country of transfer. The MoneyGram system has the following limits on transferred amounts:

Up to 5,000 US dollars per day when transferring abroad (for residents of the Russian Federation, in accordance with the legislation of the Russian Federation).
For non-residents, the company has set a limit of $10,000 per day.

Money transfer system BLIC

This is the largest and most widespread Russian money transfer system. The system was founded by Sberbank of Russia using modern banking technologies and high-speed communication channels. The Blitz money transfer system is divided into two types:

Transfers within Russia - have been operating since February 1, 2006 and work only within the structures of Sberbank of Russia;
Transfers to Kazakhstan, Ukraine and the Republic of Belarus (between branches of Sberbank in Russia and branches of subsidiary banks in Kazakhstan (SB JSC "Sberbank"), in Ukraine (JSC "Sberbank of Russia" and in the Republic of Belarus (JSC "BPS-Sberbank") - are functioning since October 1, 2007.

Sberbank of Russia has an extensive branch network and more than 10,000 branches accept and issue "Blitz" transfers in Russia. And more than 300 points in Kazakhstan, Ukraine and the Republic of Belarus. The disadvantage of the "Blitz" system of transfers is that transfers are made only within Sberbank and their subsidiaries.

The cost of a transfer within Russia is 1.75% of the transfer amount (not less than 150 rubles and not more than 3,000 rubles), which is charged only from the sender. The cost of sending a transfer abroad is 1% of the amount (not less than 150 rubles / 5 US dollars, or 5 euros, depending on the transfer currency). The cost of paying out a transfer abroad is 1% of the amount. A very reliable system, processing transfers only with a passport or identity card.

Transfers are made without opening a bank account. Maximum amount money transfer in Russia - 500,000 rubles. Outside Russia - the total amount of funds received within one day from one individual resident - no more than the equivalent of 5,000 US dollars, for non-residents 10,000 US dollars.

Money transfers "CyberMoney"

This is a money transfer system of the Russian Post. A network of post offices throughout the country - more than 40,000 points. Postal orders are divided into two types:

Money transfers "CyberMoney" (in Russia);
Money transfers "CyberMoney" (to the CIS countries, the Baltic States and the countries of the far abroad).

it modern system electronic money transfers of the Russian Post, which covers the entire territory of the Russian Federation and is intensively moving to the near and far abroad through the postal services of these countries. Transfers abroad are carried out by electronic exchange of transfers with foreign partners in the following countries: Ukraine, Kazakhstan, Belarus, Azerbaijan, Armenia, Kyrgyzstan, Latvia, Moldova, Uzbekistan, Estonia, China and France.

Only the money transfer system "CyberMoney" of the Russian Post guarantees the delivery of transfers to anywhere in the country. To deliver transfers to hard-to-reach areas of the country, the system uses hybrid technologies (a combination of electronic and traditional means of delivery).

Payment of the transfer, taking into account the provision of remote places with the necessary funds, is carried out within 72 hours. The maximum transfer amount in Russia is limited to 500,000 rubles, and abroad - 100,000 rubles. The cost of the service is withheld from the sender of funds, and its amount depends on the amount of the transfer. In addition, the cost of the service also depends on the region of departure. Individual regions have individual rates. The disadvantage of the system is the rather high price of the service.

The money transfer system of the Russian Post has an advantage - the ability to transfer funds between legal entities and individuals. Within the framework of this system, the project “tariff-free postal transfer” was also implemented for individuals making postal transfers to legal entities ( corporate clients). The cost of postal services for the implementation of such transfers is paid by themselves legal entities who have entered into an appropriate agreement with the Russian Post.

Money transfers "Forsage"

This is the second and more modern money transfer system of the Russian Post, which began operating in June 2010, and covers only the territory of Russia. Postal transfer "Forsage" can be issued in 12,000 branches, the number of branches accepting this type of transfer will gradually increase to 42,000.

Maximum size transfer - 500,000 rubles, the cost depends on the amount sent, but not more than 2,000 rubles. Transfers are made only in rubles.
The term for making transfers declared by the Russian Post is a few minutes, the deadline is no more than 1 hour.

You can find out about the availability of an incoming postal transfer only by visiting Postal office, while the mail notification may be delivered much later.

Unistream international money transfer system

This is an international money transfer system in Russia operating worldwide under the UNIStream brand. The operator of the international money transfer system Unistream is OJSC CB UNISTREAM, which in 2001 began functioning as a department of Uniastrum Bank, and in 2006 was transformed into an independent bank.

The coverage of the money transfer system is more than 250,000 service points in 100 countries of the world. This money transfer system controls over 30% of the CIS market and has an extensive network of points in Russia and Kazakhstan, Ukraine, Tajikistan, Moldova, as well as its own service networks in Cyprus and the UK. Using the UNISTREAM system, you can make targeted and non-addressed money transfers

The cost of Unistream transfer in Russia is from 1% to 1.5%. Interest on transfers to foreign countries generally start at 1%. Thus, the cost of transfers at 0.35% is carried out to Armenia, at 0.5% - to Moldova.

On the territory of Russia, transfers using the UNISTREAM system can be made: from an account mobile phone, through UNISTREAM self-service terminals, through the purchase of UNISTREAM MONEY in the Svyaznoy chain of stores.

International money transfer system CONTACT

This is the Russian international system of money transfers between individuals without opening an account around the world. The organizer and clearing center of the system is JSCB RUSSLAVBANK (CJSC), which was registered in 1990 (General License of the Central Bank of the Russian Federation No. 1073). The system of money transfers and payments CONTACT (Contact) in Russia started working in 2000, and from January 27, 2005, this system began to make transfers to the CIS countries.

The "Contact" money transfer system has more than 40,000 points in 90 countries of the world, more than 3,500 customer service points in Russia. Transfers are made in Russian rubles, US dollars and euros. On the territory of Russia, the maximum amount of money transfer is 500,000 rubles, to neighboring countries - 350,000 rubles, 10,000 US dollars / Euros, and far abroad citizens of Russia can transfer foreign currency and Russian rubles in the equivalent of no more than 5,000 US dollars in one day, For foreign citizens, this restriction does not apply.

The system allows you to:

Sending transfers - in cash, from a bank account, from a card account.
Receipt of transfers - in cash, by crediting to a bank account, crediting to a card account, or payment by check (USA).

The transfer fee varies from 0.7 to 5% depending on the amount, currency and country of transfer. Thus, the commission for transfers within Russia is 1.5% of the amount, to neighboring countries - 2%, and for senders of large transfer amounts - less than 1%.

Since December 2009, the CONTACT system has introduced SMS-informing customers around the world. Banks such as GLOBEXBANK, Omsk-Bank, Vozrozhdeniye Bank, Tver City Bank, etc. work with the Contact money transfer system in Russia.

Russian money transfer system "Zolotaya Korona - Money transfers"

This is a modern and unique Russian money transfer system for individuals. It was developed by the Center for Financial Technologies (CFT) and started functioning in 2003. And in 2007, the system was put into commercial operation new technology registration of sending transfers through cash registers. The system has introduced a Money Transfer Card, which is issued once and stores information about the owner, as the sender of the transfer and the recipients of the transfers.

The network of points of the system covers 11 republics of the former union. The "Zolotaya Korona - Money Transfers" system unites 180 banks, and the total number of points exceeds 15,000 and continues to grow. The system cooperates with such banks as: OJSC "Uralsib", LLC "Moscow Regional Bank", OJSC AKB "Perminvestbank", "CHELYABINVESTBANK", OJSC CB "Vostochny" and others.

The cost of a transfer within Russia is 1.5% of the transfer amount, to the CIS countries - from 1.5% to 3% of the transfer amount and country, to China - 25 US dollars, regardless of the transferred amount. The maximum transfer amount within Russia is 500,000 rubles, abroad for residents of the Russian Federation - up to 5,000 US dollars, abroad for non-residents of the Russian Federation - up to 20,000 US dollars.
CFT is actively implementing integration projects with other money transfer systems. For example, integration projects with MoneyGram (USA), Anelik (Russia), PrivatMoney (Ukraine-Russia), Caspian Money Transfer (Azerbaijan) and AVERS (Ukraine) systems have been implemented.

ALLURE money transfer system

This money transfer system was originally oriented to the domestic Russian market, and then began to move to the CIS countries. Organizer and Processing Center of the system of money transfers of individuals without opening bank accounts is CJSC "Company of United credit cards» (KOKK), better known on Russian market branded as UCS (United Card Service). Authorized clearing center Systems - NPO "United Settlement System" (License of the Bank of Russia No. 3342-K dated September 23, 1999). The basis of the system is the offices of JSCB ROSBANK.

The total available network of the ALLURE system is more than 5,500 offices, including more than 650 partner credit institutions located in more than 300 settlements in Russia. Signed and running affiliate program with PrivatMoney money transfer system. All this makes money transfers available in Israel, Tajikistan, Uzbekistan, Kyrgyzstan, Moldova, Georgia, Armenia and Azerbaijan, Ukraine, Belarus and Latvia.
The amount of a money transfer in Russian rubles is limited to 600,000-00 rubles, in foreign currency - 15,000-00 US dollars and 15,000 EURO (subject to restrictions in accordance with the current currency legislation for residents of the Russian Federation - no more than an amount equivalent to 5,000-00 US dollars in one business day). The ALLURE Money Transfer System has unified fixed tariffs only for sending a transfer, and its amount depends on the transfer amount and currency.

International money transfer system LEADER

The Russian system of international money transfers, which is serviced by NBCO CJSC "LEADER". The settlement center and the founder of the NCO CJSC "LEADER" is LLC CB "INKREDBANK", with a 100% stake. The LEADER system has been operating since 2003 and already covers 25 countries of the world (that's more than 7,000 points of receiving / sending money).
Tariffs for LEADER money transfers vary from 1.2% to 4% of the amount, depending on the country, sending or receiving and transfer currency. AT selected countries several work at the same time Tariff plans, so the choice of a bank for transfer should be clarified on the website of the system.

Clients of the LEADER system can also take advantage of the possibility of crediting money to the bank account of the recipient of the transfer, for which the sender needs to clarify with the operator the possibility of this operation in accordance with the legislation of the recipient's country.

The service for transferring funds through the LEADER system is offered by the following banks: Industrial Credit Bank, Agroprombank CJSC, CB Transportny, JSCB Investbank JSC, JSCB Gazprombank CJSC, Credit-Dnepr Bank (Ukraine), Finance and Credit Bank (Ukraine) , OJSC VIP-Bank, CJSC CB Miraf-Bank, Asia UniversamBank (Kyrgyz Republic), etc.

International money transfer system MIGOM (MIGOM)®

MIGOM (MIGOM)® - International money transfer system in Russia, created in the "European Trust Bank". The Migom system operates in 20 countries, and the number of MIGOM transfer points has reached 30,000. The system has a registered trademark.

The system is used by such Russian banks as: Bank24.ru, Khanty-Mansiysk Bank, ROSGOSSTRAKH BANK, OJSC "GUTA-BANK", SMP Bank and others. Such banks of the CIS countries as Agroprombank (Pridnestrovie), Belagroprombank (Belarus), Ipak Yuli Bank (Uzbekistan) have joined the MIGOM money transfer system, Savings bank(Ukraine), PrivatBank (Ukraine), Belpromstroybank (Belarus), Savings Bank (Pridnestrovie), Tajik Orienbank, etc.

Tariffs for transfers of the MIGOM system (MIGOM) start from 2%;
One of the advantages of the MIGOM money transfer system is that when sending a transfer, you can get a printout of the list of addresses of MIGOM points in the receiving city from the operator serving you. And yet, the transfer to the Recipient will be issued only in the currency in which it was sent by the Sender.