Transferring money between countries. Money transfers: how to transfer money

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 who developed the rules for receiving and transmitting Money between individuals, reinforcing 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 in the territory 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 non-cash 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.

Only at the beginning of 2012, more than 30 different Russian and foreign money transfer systems operate in 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 system money transfer 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

The international non-bank money transfer system Western Union 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, Svyaz 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.

BLIC money transfer system

This is the largest and most widespread Russian system and money transfers. 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.

About the presence of received mail order can only be found out by visiting the post office, while the mail notification can be delivered much later.

Unistream international money transfer system

This is an international system of urgent money transfers 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 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 5500 offices, including more than 650 partner credit organizations located in more than 300 settlements on Russian territory. 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 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 the equivalent of 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 individual 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, JSCB Gazprombank, 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 system money transfers 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.

Money transfers are a financial service that is in high demand among individuals. With its help, you can send money to another person, regardless of his location.

Plus, this way people can avoid the hassle of carrying large amounts of cash. After all, it is much cheaper and safer to send funds through a money transfer system than to carry them yourself or hire collectors.

Today the world operates a large number of types of money transfers. Often, even in one bank, a client can be offered several systems at once to choose from. They differ from each other not only in the size of the commission, but also in such parameters as the speed of enrollment, the territory of action, the procedures for sending and enrolling.

AT banking practice use the following classification of translations:

international - with their help you can send money from one country to another;
national - operate only on the territory of one state;
intrabank - you can receive money only in the financial institution through which the transfer was sent;
cash - do not provide for the opening of a special account;
non-cash - carried out only with the help of a bank account;
currency - provide for the transfer monetary units other states (dollars, euros, etc.).

It should be noted that the monopoly of banks in the money transfer market is gradually disappearing. You can already send money through social networks, as well as using electronic wallets.

What do you need to send money

The initiator of the money transfer is the individual sender. In order to send money, he must provide the bank with a certain package of documents, which depends on his citizenship:

Russians will need a passport or any other identification document (passport, "military", etc.);
foreigners need to bring their “native” passport or another document that is recognized in the Russian Federation as an identity document, migration card, a document on the right to reside in the Russian Federation;
a stateless person must apply for a residence permit in Russia and a document for the right to reside in the Russian Federation.

Transfer restrictions

To better understand what restrictions apply when sending money, you must first consider such concepts as resident and non-resident.

So, the first one is a citizen who lives and works in the state, pays taxes to the budget.

The second is an individual who operates in the territory of one country, but is registered and lives in another.

In accordance with domestic legislation, non-residents can transfer, without opening an account, both rubles and foreign currency within Russia and abroad without restrictions.

Residents, and these are in most cases our compatriots, can send no more than the ruble equivalent of 5,000 dollars in one day outside Russia without opening an account.

Popular money transfer systems

The leaders in the number of transactions in the world are Western Union and MoneyGram.

Western Union

The main office of the company is located in the USA in Englewood (Colorado). The advantage of the system is a very extensive network of points of issue of transfers, which are located in more than 200 countries of the world. It is also convenient that you can send money using Western Union not only abroad, but also within the same country.

You can send money using the WU system in the following ways:

online from www.westernunion.com;
in the WU department;
in the divisions of the Russian Post;
using Internet banking (the service works only in Avangard and Uralsib banks);
cash at the bank;
through online wallet Yandex money.

The transaction fee depends on many factors, the main of which are: sending method, transfer amount, country of destination. A large number of points of issue of transfers contributes to the growth of popularity of Western Union in many countries of the world.

moneygram

It is the second most popular money transfer system in the world. Her Main office located in the USA, Dallas (Texas). Points of issue of money for Moneygram are present in more than 200 countries around the world. You can send money using it only in a bank branch.

The amount of the commission depends on the standard parameters: the amount and currency of the transaction, the country of destination.
It is also worth considering that sending more than $10,000 to Moneygram will not work.

Russian money transfer systems

On a national scale, the most popular systems are the following:

gold Crown

One of the largest transfer systems in Russia was established in 2003. Its participants are more than 550 banks, which are located not only on the territory of the Russian Federation, but also in the CIS countries, near and far abroad. In total, the system has about 60,000 service points in 36 countries.

The great importance of the system is evidenced by the fact that in 2013 it was included in the register of socially significant payment systems in Russia.

According to the international service credit ratings S&P Global Ratings is the market leader in money transfers in the CIS, and ranks third in the world in terms of the volume of funds transferred.

Send money through the system " gold Crown" can:

in divisions of financial institutions;
in communication stores (for example, Svyaznoy);
in the offices of system partners;
online - using a mobile application or through a web interface www.koronapay.com

In addition, with the help of the Golden Crown, you can transfer money between payment cards, as well as repay loans from any bank in the Russian Federation.

CONTACT

One of the first transfer systems in Russia was created in 1999. Its partners are more than 900 Russian and international financial institutions. With this system, you can send money in the following ways:

online via www.contact-sys.com;
in cash from the point of transfer;
from an account in any bank in Russia, EU, USA, Hong Kong and other countries;
using a mobile phone;
through terminals;
using Internet banking, financial institutions partners of the Contact system;
via Qiwi wallet.

Blizko

Another system that is on the list of socially significant. It was established in 2006 by Svyaz-bank. With its help, you can send money within the Russian Federation, as well as to other countries only in the three most popular currencies: rubles, dollars, euros. The system network consists of 36,000 points, including all divisions of the Federal State Unitary Enterprise Russian Post.

It is worth considering that you can send money only in banking departments and post offices. Blizko also makes transfers between payment cards and from mobile numbers (Beeline, MegaFon, MTS).

hummingbird

is one of the youngest systems in Russia. Was established in 2013 as the flagship banking system- Sberbank. With its help, you can send money only within Sberbank, including within its divisions that are located abroad.

The system works only with three standard currencies: national, dollars and euros. The amount of transfers is limited:

ruble equivalent of 5 thousand dollars for residents;
ruble equivalent of 10 thousand dollars for non-residents.

It is possible to make a transfer only at Sberbank branches.

Unistream money transfers

It was established in 2001 by the bank of the same name. In February 2015, it received the status of nationally significant. Its partners are more than 450 financial institutions from different countries world, and the number of points of issue of money reaches 333.5 thousand.

You can send money using Unistream:

from the official website https://online.unistream.ru/ using payment card any Russian bank;
in any subdivision of the system agent.

Unistream has a restriction - you can not send more than 100 thousand rubles. Regarding currencies, you can transfer in any monetary unit.

Money transfers Leader

It was established in April 2003. This money transfer network is present in 132 countries, cooperates with more than 500 financial institutions and has about 130 thousand pickup points. With its help, you can make transfers only in three main currencies: national, dollars and euros.

You can send a transfer in the Leader system:

in the partner's department;
online from the official website https://leadermt.ru;
using Leader terminals (more than 4.5 thousand pieces);
using mobile app Leader Digital.

The Leader system also replenishes payment cards, accepts utility bills and payment for services of state institutions, monthly payments on loans.

Money transfer system in social networks

Significant competition to standard banking products begin to make money transfers, which are carried out by companies that have not previously positioned themselves in the market with the provision financial services. It's about about sending money using social networks.

For example, VKontakte started making money transfers in September 2016. carried out by VTB24 Bank.

With the help of payment cards issued by banks in Russia or Kazakhstan, you can send a transfer to a card of any bank from 17 countries of the world. However, it is worth considering that the size of one transfer is limited to an amount from 100 to 75 thousand rubles, while you cannot send more than 150 thousand rubles per day and no more than 600 thousand rubles per month. The service is paid and depends on the tariffs of the issuing bank and the type of payment card.

What to choose

You can send money transfers using any payment system, there are enough of them today. However, which one is better to use depends on many factors: the transfer fee, the speed of receipt, the complexity of sending, the list of currencies, the availability of pickup points, and current restrictions. All this must be taken into account when choosing a translation system.

Also, do not forget that money transfers within Russia are highly competitive with payments between bank cards. After all, their replenishment is essentially a similar operation, which also allows another person to receive the necessary amount of money, regardless of his location.

Moreover, sometimes making a card and paying a commission for services is much cheaper than regularly using money transfers.

Well, there is no need to discount the rapidly gaining popularity of electronic wallets and transfer systems through social networks, which can attract a significant part of banking customers.

Alexander Babin

Hello, dear readers of the blog site. How to get a fee from a client for your work? Every year there are more and more ways and it makes sense to make a choice with open eyes. Therefore, I decided to help you quickly compare and choose the most reliable and proven time options. These are money transfer systems, bank cards and electronic wallets.

Just study the details and rates below, compare the terms and speed of the transfer. Choose the method that is most convenient for you or your client! In general, I hope that this small opus on the topic of wages will be useful to you.

Money transfer systems

Now there are a lot of systems that carry out instant money transfers. With their help, it is easy to send money to any country in the world. The main advantage of such services is the ability to receive a transfer immediately in cash at the point of issue, in local currency.

There are three types of translations:

from card to card
from the card to the cash point
from the cash department to the cash point

How to choose a translation system?

By commission amount
Proximity of points of issue to the place of residence of the recipient
By the number of branches in a particular country
By international transfer speed
Fame, reputation and reliability

A giant network with a wide geography and 140 years of history, which covers more than 200 countries of the world. The most convenient and most reliable solution for international transfers. Currency conversion is performed instantly at the current rate.

No. 2. gold Crown

A network with a large number of partners: you can make a transfer within walking distance in the Svyaznoy, Euroset, Mts, Beeline salons. The commission is quite low, often not exceeding 1.5% even for international transfers. Commission for currency conversion - 0 rubles.

Number 3. Unistream

The most profitable network for all MasterCard cardholders - from these cards you can send money transfers to any country in the world for 0 rubles using online service. You can send money both at service points and online, as well as in numerous terminals: Eleksnet, TelePay, QIWI ...

No. 4. Leader

A network from Alfa-Bank, which is more often used by Alfa cardholders. With convenient online service for fast transfers. You can get a special wallet "Leader" or use the electronic payment service Leomoney.

Transfer system Transfer speed Transfer fee Number of collection points Ease of use Western Union 2-3 minutes in Russia from 1% to the CIS countries and Georgia from 1%, to China 1000 rubles. for any transfer from 75,000 rubles. to Europe 2-4% on average, but not less than $10 or 250 rubles more than 500,000 branches in 200 countries, of which 20,000 in Russia 6 out of 10 Unistream instantly worldwide - up to 1.5% for transfers to MasterCard cards to any country - 0% more than 280,000 points of issue, more than 400 partners8 out of 10 Golden Crown 3-4 seconds from 0% to 1.5% depending on the country of destination more than 49,000 points of issue, more than 550 partners - banks and mobile stores 8 out of 10 Leader instantly 1-1.5% depending on the transfer method and country of destination130,000 service points in 130 countries, of which 7,000 are in Russia7 out of 10

Bank cards

This option is especially convenient if the payee has a card from the same bank as you. And if you are registered in your internet bank.

Sberbank

Included in the TOP-50 largest banks in the world. The most popular bank in Russia - more than 110,000,000 customers use its services. You can transfer money in an understandable and reliable Internet service "Sberbank-Online".

Alfa Bank

A profitable way to transfer money if the sender and recipient have "Alpha" cards. The commission in this case will be 0 rubles even for international transfers. There is an Internet bank "Alfa-Click".

Tinkoff

A revolutionary bank: no branches, no own ATMs, with the ability to withdraw cash from any ATM in the world! It is rapidly gaining popularity in Russia, it already has more than 4 million customers. Transfer money from Tinkoff card to Tinkoff card possible without a commission, even if the transfer is international.

Internet money

Electronic wallets - fast and convenient way receiving money. However, problems often arise when you need to withdraw money - transfer it from online to offline. Freelancers have to pay a fee to send money from a wallet to bank card.

WebMoney

A large international system with increased security and wallet protection. You can replenish your wallet in a variety of ways: from a payment terminal to the Russian post.

Convenient "dollar" network, more often used for money transfers to the United States.

Yandex money

Russian system electronic money, clear and simple, well suited for domestic use.

This wallet number is a mobile phone number. Getting a wallet and using it is very easy. There are a large number of QIWI branded payment terminals in Russia.

Electronic wallet Fee for transferring money to a wallet Fee for withdrawing money from a wallet Transfer speed Ease of use from a bank card online from 0% through payment terminal 1% in Internet banking 2.5% from a mobile account 5.95-12.5% at Euroset and Svyaznoy cash desks from 2% at a bank branch 1-7% at a WebMoney point 0-4% P.S. Since the beginning of 2016, there have been observed (possibly temporary). 2% -2.5% to a bank card from 30 minutes to 3 days, depending on the method 5 out of 10 from a bank card 1% from a mobile account 7.86% from a Sberbank card 0% to a Yandex money card - 3% of the amount + 15 rubles. to another card - 3% of the amount + 45 rubles. (not less than 100 rubles) instantly 10 out of 10 2% instantly 10 out of 10 0% 48 hours 6 out of 10

from a bank card - 0% (from 3000 rubles) at an ATM, through an Internet bank, at partner offices - 0% at QIWI terminals - 0% (from 501 rubles)
in other terminals - 0% (when paying in cash) from mobile - from 0% to 9.9%

3.9% on average + currency conversion fee

But in general

I hope that the article was useful for you and that you have chosen the right way to transfer money for you and your customers!

It is really very difficult to start a wallet in emergency mode and try to set it up “on the run” when you need to urgently receive payment. I got several offers of cooperation in this way, until I brought all my financial instruments in full order and compliance. Learn from my mistakes...

Good luck to you! See you soon on the blog pages site

Sending money by mail

The most common branch network in the country is the Russian Post. In all, even the most distant corners, there is at least one small working branch. One of the oldest companies provides different kinds services, including sending money.

It is worth noting that this method is one of the most expensive and long.

But in some areas it is practically indispensable. After all, not everywhere there are alternative services that want to work sometimes even at a loss.

Tariffs for sending money by Russian Post

The post office offers the CyberMoney service. Tariffs for small money transfers start from 40 rubles + 5% up to a thousand, up to 250 rubles + 1.5% up to half a million.

This means that for sending 1 thousand rubles, you have to pay 90 rubles (9%) of the commission. And for the amount of 500 thousand, the payment will be 7,750 rubles (1.55%).

But you need to know that sending amounts up to 100 thousand takes 3 working days, and more than this amount, according to the regulations, can be issued after a maximum of 8 working days.

Pros: huge coverage of the country, you get cash right away, you can send large amounts.

Minuses: high commission for small amounts, very low speed.

Translations of specialized systems

There are special companies for making transfers, such as Western Union, Unistream, Anelink or others. Some of them are almost two hundred years old. Western Union, for example, has branches all over the world. They also strive to speed up the process of sending and receiving within each country as much as possible and regularly reduce shipping rates.

Now, for an operation up to 10 thousand rubles, you need to pay only 100 rubles of a fixed commission, and up to 100 thousand - 1% of the amount. When it is necessary to transfer more than 100 thousand rubles, the client will pay a fixed commission of 1000 rubles.

System tariffs

You can pick up money in a couple of hours after sending. You just need to know the transfer code and have a passport. Some systems allow you to receive a transfer a few minutes after sending, for example, Golden Crown.

Pros: high speed of money transfer, no need to have bank accounts.

Cons: fewer branches than the post office, you can get only at specialized points.

Transfers between bank cards

A more profitable transfer is between cards of the same bank. Thus, you can even transfer money across Russia without a commission, and Sberbank can do this if the sender and recipient's accounts are opened in the same city. Some banks, such as Tinkoff, do not charge fees for transfers between any customer debit cards.

The maximum commission can rarely reach 2-3% of the amount. But there are limits on the volume of transfers. At different banks, they can be on average from 15 to 75 thousand per day. Large limits exist for transfers within the bank, and not between cards of different financial institutions.

Pros: high speed, average commission.

Cons: you need to have a bank card, you can get cash only at an ATM.

Sending via virtual payment systems

Younger users use Qiwi, WebMoney or Yandex.Money systems for transfers. But cashing out through these services takes some time and is not free.

On average, the user must pay up to 3-4% of the amount to receive banknotes.

But the translation itself comes instantly. Although there are also limits on maximum transfers. For unauthorized users, it will be a problem to receive more than 15 thousand rubles.

Pros: 24/7 transfers, low commission for sending.

Cons: problem with cashing out, limited low amounts to send, you need to be registered in the service, the commission for receiving is above average.

Bank transfer

You can go the traditional way and do bank transfer on account. In this case, the commission will be from 1 to 5% different banks. The average value will be 1.5-2%.

But at the same time, the recipient must have a bank account and send full details to the one who wants to transfer money. Also, you can withdraw the amount really only through a bank branch during business hours. Which imposes its inconvenience to receive. The transfer takes one working day maximum.

Pros: average transfer speed, average commission, cash withdrawal.

Cons: you need to have an account, you can get it only on working days, you can pick it up only at one specific bank branch.