Sberbank commission for money transfer. The most expensive ways to transfer money. Russian money transfer systems

Money transfers is a financial service that is in great 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 money in cash. After all, it is much cheaper and safer to send funds through a money transfer system than to carry them yourself or hire cash collectors.

Today there are a large number of types of money transfers operating in the world. Often, even in one bank, a client can be offered several systems 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, coverage area, sending and enrollment procedures.

In banking practice, the following classification of transfers is used:

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

It is worth noting 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 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 (foreign passport, “military”, etc.);
• foreigners need to bring a “native” passport or another document that is recognized in the Russian Federation, an identity document, a migration card, a document granting the right to reside in the Russian Federation;
• A stateless person must submit 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 the concepts of resident and non-resident.

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

The second is an individual who operates on the territory of one country, but is registered and resides 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, without opening an account, can send no more than the ruble equivalent of 5 thousand dollars outside of Russia in one day.

Popular money transfer systems

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

Western Union

The company's main office is located in the USA in Englewood (Colorado). The advantage of the system is a very extensive network of transfer issuing points, which are located in more than 200 countries around 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 Russian Post;
• using Internet banking (the service only works in Avangard and Uralsib banks);
• cash at the bank;
• through e-wallet Yandex.Money.

The transaction fee depends on many factors, the main ones being: sending method, transfer amount, destination country. Large quantity points of issue of transfers contributes to the growing popularity of Western Union in many countries around the world.

MoneyGram

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

The size of the commission depends on standard parameters: the amount and currency of the transaction, the country of destination.
It’s also worth considering that you won’t be able to send more than $10,000 to Moneygram.

Russian money transfer systems

On a national scale, the most popular systems are:

Golden Crown

One of the largest transfer systems in Russia was created in 2003. Its participants are more than 550 banks, which are located not only in the Russian Federation, but also in the CIS countries, near and far abroad. In total, the system has about 60 thousand 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 leader in the money transfer market in the CIS, and ranks third in the world in terms of the volume of funds transferred.

Send money through the system " Golden Crown" Can:

• in departments of financial institutions;
• in communication stores (for example, Svyaznoy);
• in the branches of system partners;
• online – using a mobile application or via a web interface koronapay.com.

In addition, using 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. Using this system you can send money in the following ways:

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

Close

Another system that consists of a list of socially significant ones. It was created 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 thousand points, including all divisions of the Federal State Unitary Enterprise Russian Post.

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

Hummingbird

— one of the youngest systems in Russia. Was created in 2013 by 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 size of transfers is limited to:

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

Transfers can only be made at Sberbank branches.

Money transfers Unistream

It was created 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 money issuing points 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 unit of the system agent.

There is a restriction in Unistream - you cannot send more than 100 thousand rubles. Regarding currencies, transfers can be made in any monetary unit.

Money transfers Leader

It was created in April 2003. This money transfer network is present in 132 countries and cooperates with more than 500 financial institutions and has about 130 thousand delivery 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 units);
• using mobile application Leader Digital.

The Leader system also replenishes payment cards, accepts utility bills and pays for government services and monthly loan payments.

Money transfer system in social networks

Significant competition to standard banking products are beginning to make money transfers carried out by companies that have not previously positioned themselves in the market with the provision of financial services. We are talking about sending money using social media.

For example, VKontakte began making money transfers in September 2016. carried out by VTB24 bank.

Using payment cards issued by banks in Russia or Kazakhstan, you can send a transfer to the 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: transfer commission, speed of receipt, complexity of sending, list of currencies, availability of issuing points, current restrictions. All this must be taken into account when choosing a translation system.

Also, one should not forget that the biggest competition for money transfers within Russia comes from payments between bank cards. After all, replenishing them 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 service fee 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 clients.

Alexander Babin

Money transfers- this type financial transactions is controlled at the state level, and the Central Bank regulates the activities of operators. Therefore, to make any money transfers, you will need confirmation of your identity, i.e. provide passport details.

Combines almost all types of translations maximum amount per day - 5,000 US dollars for citizens of the Russian Federation (residents) and 10,000 for those without citizenship in Russia (non-residents). There are no restrictions on the amount of money for non-cash transfers from account to account. funds. However, in some cases, confirmation of the legality of the income received and the basis for the transfer may be required.

Money transfers abroad are carried out both between individuals and legal entities. In this case, funds can be transferred to the currency of the country where they are sent, or to any other.

Types of transfers

Cash

The simplest and most common is a cash transfer through the branch cash desk. This method is suitable if you or the recipient do not have a bank card or account. For example, send a small amount to parents, children, or a friend.

You will be required to provide information about the recipient - First Name, Last Name, country and city of destination of the transfer, in some cases indicate the specific address of the recipient's operator's branch. In this case, there is a distinction between an address transfer (a specific branch is indicated) and an addressless transfer (only the country and city are indicated), you can pick up the money at the nearest branch.

The time it takes for the recipient to receive the transfer depends on the company’s conditions, ranging from a few minutes to 12 hours.

The main operating currencies are rubles, dollars, euros.

International monetary systems are quite widespread, they can be found in almost any bank branch, post office, salon cellular communications and a currency exchange office.

The main advantages are high speed and ease of registration, a wide network around the world, security;

Flaws– high commission.

Such services quick translation, without opening an account, carry out:

• Western Union
  Urgent translations (up to 10 minutes) cost 0.5-1% more, the usual duration is 12 hours; The commission is charged based on the conditions of the country where the funds are sent, as well as the size of the money transfer, range 1-3.5%.
• MoneyGram
  The system is presented in many famous banks, for example, Sberbank; The amount of commission charged depends on the recipient's country.
• Unistream
  For sending to the CIS and neighboring countries, the commission is 1-1.5%; For non-CIS countries and Europe, payment for services ranges from 1 to 3.5%.
• Golden Crown
  The amount of commission charged for the CIS countries, Europe, and neighboring countries is 1%.
• Contact
  In neighboring countries, the commission averages 1-2%; In non-CIS countries, the service fee depends on the amount of the transfer; it is fixed or ranges from 0.8 to 3.5%.
• Post office– postal transfer
  Operates in 17 countries, including the CIS and neighboring countries;
  Sending is addressed only, a specific post office is indicated;
  Duration – 2 days;
  There is a home delivery service, cost + 1.77%;
  Translation cost from 70 rub. or 1-5% of the amount.

Pay attention! - Before using the services of a particular operator, it is important to clarify information about the presence of branches in the geographical area where the transfer is sent.

It is also necessary to inform the recipient digital code transfer specified in the receipt. Only by indicating it can you receive a translation.

Cashless transfer

From account to account

It's pretty convenient way, especially if you use personal online account. The transfer is carried out on the basis of the recipient’s exact passport data, his details SWIFT code, bank, account number. It is also necessary to indicate the size of the transfer and monetary units. The sender must provide the bank with account information to debit funds.

The commission is charged for both debiting and depositing money, and is about 0.5%.

From card to card

This method is suitable for transferring not large sums, and only for bank card holders. International transfers are available for Visa systems, MasterCard, Maestro. The operation can be carried out online in the bank’s personal account, or with the help of a bank operator at a branch. The required information is the recipient's card number. The maximum transfer amount is 70,000 rubles. Payment for translation services is 1.95%.

Transfers via electronic wallets

In order to use this system, the sender and recipient must have an email address. wallets. The transaction is carried out online, there is no need to come to bank branches. The information required to complete the transaction is minimal; it is enough to indicate only the wallet number. All data is encrypted using a special software package. The money is transferred within a few minutes.

This is a cheap way to transfer money. Fee for deposits and withdrawals cash, on average is 0.8%. However, there is a significant drawback: this system is vulnerable to hacker attacks and simple software glitches.

The most common online systems:

• WebMoney
• PayPal
• Yandex Money

To summarize, the choice of the most profitable method to transfer money to another country depends on two factors: the amount and urgency. It is better to send large amounts of money through accounts, and small amounts send via instant transfer systems.

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

Postal transfers

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

Tariffs of the CyberMoney system are quite high: for transfers within Russia they range from 1 to 5% + one-time payment for the transfer, and the cost of transfer abroad is 1-8% + one-time payment for transfer. It should be noted that the larger the transfer amount, the lower the interest charged for services, but the larger the one-time payment. The latter can range from 25 to 535 rub. For example, to transfer an amount to 10 thousand rubles in Russia, the cost of services will be 235 rub. + 2% from the transfer amount – total 435 rub.

Among the advantages of this system, it is worth noting its availability for customers even in the most remote corners of our country. The main disadvantage is the speed of money transfer: from 2 to 10 days.

For urgent transfers, Russian Post offers the “Forsazh” service, which allows you to send money within an hour. So far, this system serves only the territory of Russia. Tariffs here are higher: from 1,7 to 10% , and only residents of large cities can take advantage of this offer.

Express transfers

Transfers using Western Union, MoneyGram, UNIStream, Аnelik and others are now becoming increasingly popular. The main advantage of these operators is that the transfer is carried out very quickly and the recipient can receive the money in just a few minutes. The main disadvantage is: high tariffs and limited geography. True, express transfer systems quite successfully combat the latter factor by actively cooperating with banks. Now many branches of Russian banks have branches of one or another system.

The most famous express transfer system is Western Union. For translation within Russia the same 10 thousand rubles you'll have to pay 225 rub., which is of course less than CyberMoney, but still amounts to 2,25% from the payment amount. Western Union interacts with leading Russian banks, including Sberbank, as well as Russian Post, which undoubtedly makes this system one of the most attractive for clients.

UNIStream is rightfully considered one of the cheapest express money transfer systems. The cost of services for sending money through this system ranges from 1-1,5% from the transfer amount.

Transfers from card to card

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

If the cards are issued different banks, the transaction fee is 1-2% from the transferred amount and is debited from the sender's account. Some other institutions also offer this service. It is not yet very well developed in our country. , for example, makes transfers only to “its” cards. It should also be noted that it is impossible to transfer money from card to card if they do not belong to the same payment system. That is, you can send funds from Visa cards only to Visa card, and, accordingly, transfers from MasterCard are only possible to MasterCard card. There are other restrictions. For example, at Alfa-Bank, the amount of one transfer cannot exceed 15 thousand rubles, and the maximum amount of all such transactions for a month should not be more 75 thousand rubles

Transfers via the Internet

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

Bank transfers

Undoubtedly, the most reliable way to send money remains bank transfer from account to account. However, this is not always possible. It is necessary that the sender and recipient have open accounts, but not everyone has them. It is advisable to have accounts in one bank. Otherwise, the commission for such a transfer is no less than for express transfers. It should be noted that some Russian banks(Sberbank, and others) make transfers without opening a bank account. However, such translations are not cheap; tariffs range from 1,5 to 10% , and besides, the speed of transferring funds also leaves much to be desired; funds can reach the recipient in at least 1 day.

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

Nowadays, you can make payments for the purchase of goods and services, as well as send money to accounts, without leaving your home. To do this, have a device that can connect to the Internet. Next, all you have to do is select the service that provides monetary transactions. This article will present services that provide services for sending money to individuals and legal entities, and will also be given detailed instructions for carrying out the presented operations.

Service for sending money - performs an intermediary function between the sender and recipient of funds. Such services create an alternative to conducting cash payments(for example, previously it was possible to make a transfer only through a bank). The advantage of the service is that anyone can use it without registering a current account.

Differences between the service and banking organizations:

1. Such organizations generally have an extensive network of representative offices.
2. Allows you to easily perform the necessary operation within a few minutes.
3. Commission for making monetary transactions, which on average ranges from 2 to 6 percent of the payment amount.

Working principle:

1. The client comes to the organization’s branch or goes to their website (in the case online translation A).
2. Next, you need to fill out an application for the transaction. The application indicates the sender's passport information, as well as the delivery address.
3. After filling out the application, the sender only needs to deposit the required amount of money.
4. After payment, the client is called secret code, which he must transfer to the recipient.
5. As soon as the funds are transferred (the deadline for completing the application directly depends on the selected organization), the recipient can go to the designated branch, give the secret code and pick up the sent funds.

Thus, money is sent in almost all existing payment programs.

Western Union - the most famous money transfers in the world

Western Union (money transfers) is the world's first system that allows you to make money transfers. Today, such an organization is a world leader in the field of international monetary transactions, and in particular express transfers. The organization owns 500 thousand branches located in more than 200 countries.

Main advantages:

1. Reliability. All monetary transactions carried out are equipped with a modern protection scheme, produced in accordance with international standards. Thus, when sending your money, you can be sure that it will reach the recipient on time without any problems.
2. Speed ​​of operations. The organization uses modern technologies that allow you to send money anywhere in the world in a matter of minutes. So, today the maximum processing time for an operation is 10 minutes. So, if you urgently need to send money to any person or organization, you can contact Western Union.
3. Comfortable conditions. Unlike any banking organizations, here you do not have to open your own account. All that is required from the client is to provide a passport and fill out an application for transfer of money. Immediately after this, the operation will be successfully performed.

Contact - the first Russian payment system, successfully operating since 1999. The operator is the organization JSC Qiwi Bank, which also performs organizational, settlement, clearing and information functions. In addition, the payment system cooperates with VTB Bank and Otkritie Bank.

At the moment, Contact is the undisputed leader in Russian market money transfers, as well as in the markets of the CIS countries. The service owns more than 500 thousand branches located in 170 countries around the world and providing customer service.

The main advantages of the Contact system (money transfers):

1. Sending any amounts. The payment program does not require minimum amount transferred funds, so that anyone can transfer any amount of money to another individual or legal entity.
2. SMS notifications. The service offers its clients the opportunity to connect to a service that allows them to notify via SMS about transactions involving money. This way you will always be aware of when the operation will be performed and when a response will be received from the recipient.
3. Three types of currencies are available. At the moment, you can carry out an operation to send money both in rubles and in dollars or euros.

Tariffs for operations:

1. The maximum amount of transactions carried out in Russia is 500 thousand rubles, 10 thousand dollars and euros. From Russia to the CIS countries - 350 thousand rubles, 10 thousand dollars and euros. In the CIS countries - 600 thousand rubles, 20 thousand dollars and euros. In all other countries, the maximum threshold is set in accordance with their legislation.
2. The number of operations performed is unlimited.
3. The commission for Russia is 1% of the payment amount (the maximum commission amount is one thousand rubles or 30 dollars). You can see the commission for other countries on the website contact-sys.com.

Contact money transfer ensures fast and reliable.

The Unistream payment service first appeared on the Russian market in 2001. After its appearance, the service quickly began to gain popularity among the population. The reason for the success was the establishment minimum size commission in the amount of - 1% of the payment amount. Thus, Unistream began to carry out operations for sending money cheaper than anyone else in Russia and the CIS countries, thanks to this, the presented organization currently occupies a leading position in the financial transactions market. You can carry out an operation in Unistream in one of the 280 thousand branches located around the world.

Advantages:

1. Working with terminals. You can send money using the Unistream payment program using Qiwi terminals, which are located in almost all major shopping centers Russia. Thus, the sender will not need to fill out documents and waste time visiting the branch.
2. Low commissions. Offers its clients to carry out transactions with money at the lowest commissions. So, if you do not want to overpay large sums of money, then contact the presented organization.
3. High income for banks. Banks and partners who cooperate with Unistream are offered high commission income for incoming and outgoing transactions.

Unistream offers online translation to all its users in their personal account.

The Golden Crown is one of the first Russian companies, providing its clients with services in the field of money transfers. Here, anyone can make a money transfer without leaving home using an online service. For all other clients, the company offers to use the services in any of the branches, which are located in many countries around the world.

Services offered:

1. Money transfers. The transfer is carried out both in cash and by bank transfer from card to card. For performing this type of transaction, the company charges the client a commission in the amount of 1% of the payment amount.
2. Currency exchange. The company offers its clients the opportunity to convert rubles into dollars or euros at the current rate. Exchange rates are presented on the company's website koronapay.com.
3. Repayment of loans. With the help of the “Golden Crown” service, clients have the opportunity to pay off current debt in many Russian banking organizations, as well as in the largest microfinance organizations.

“Golden Crown” also makes online transfers.

Blitz is a payment system developed by Sberbank. The system was developed recently, but has already gained enormous popularity among bank clients. The main advantage of the system is the use modern technologies and communication channels to achieve high speed transfer of money.

Types of transfers:

1. Urgent. This type of transfer is carried out only within the territory of the Russian Federation.
2. International. Such transfers are carried out in countries such as Belarus, Ukraine and Kazakhstan.

System commissions:

• commission for urgent translation is - 1.5% of the payment amount;
• commission for international translation is - 1% of the amount;
• cancellation of the operation - 150 rubles.

MoneyGram is one of the leaders in the market of international urgent money transfers. The company was created back in 1940, but was able to gain independence only in 2004. From that moment on, the company began to develop rapidly and currently has a large number of branches all over the world.

How to make a transfer using the presented service:

1. Go to the nearest branch of the company.
2. Show your passport.
3. Fill out the application.
4. Deposit money. After payment the client will be provided special number, which must be communicated to the recipient to confirm the transaction.

Moneygram offers money transfers to everyone who has a passport.

Video “How money transfer systems work”

Transferring funds within Russia is a popular service, implemented in many ways.

However, most options involve paying a service fee ranging from 1% to 5% of the transfer amount, depending on the operator. If we are talking about a large amount, then the commission becomes noticeable, especially if you use this service frequently.

There are also free translation methods, which will be discussed in this article.

What is it

Money transfers are the movement of funds from one person to another through a bank or post office with subsequent receipt and cashing. They are used to send the necessary amounts to relatives, children, students in another city or friends.

Main requirements for money transfers:

• safety;
• speed (instantaneity);
• availability of dispatch/receipt points in the city;
• minimum commission.

Overview of methods

There are many ways to send money, each with its own advantages and disadvantages. Some of them are widely known, while others are known only to a few users.

How can you send money to another city to an individual:

• postal transfer;
• through specialized systems: Unistream, Western Union, Zolotaya Korona, etc.
• through electronic payment systems: Qiwi (Qiwi), Webmoney, Yandex.Money;
• transfer via MTS;
• transfer between cards of the same bank;
• replenishment of the card through the terminal;
• universal card of Svyaznoy Bank;
• replenishment of the recipient's mobile account;
• Corn map (Euroset).

In cases where you need to deal with a large sum, it is better to refuse terminals. If an error occurs when submitting money (biting money), then it will be difficult to prove anything.

Post office

Despite the shortcomings and high tariffs, Russian mail has an undeniable advantage. It consists of a wide network throughout Russia, and in some places this is the only opportunity to make a translation. In some villages there is no alternative to such a service.

Speed postal transfer very low - from 3 (up to 100 thousand rubles) to 8 days. Among other methods, such translation is one of the most expensive.

Based on the tariff, to send 5 thousand rubles you need to pay 250 rubles. For larger amounts the tariffs are much more favorable.

Video: Translation without commission

Special payment systems

The money transfer service through payment systems is available in any bank, as well as mobile phone stores.

The main representatives of such systems:

• Golden Crown;
• Unistream;
• Western Union;
• Leader;
• Contact and others.

As an example, we can consider money transfers through the Zolotaya Korona system. It can be found in banks, Euroset, MTS and Svyaznoy. The recipient will be able to collect their money within a second after sending.

Prices for Zolotaya Korona services

This is a fairly convenient and relatively inexpensive method.

Electronic money

Virtual transfers are convenient, especially for those who make money on the Internet. But the downside is that the recipient must also have virtual wallet in WebMoney, Qiwi or Yandex. Money.

The process of sending money from one account to another is quick, but cashing out is long and expensive. Typically, to receive cash you need to pay 3-4% of the amount.

In addition, in order to withdraw money from WebMoney wallets, for example, you need to enter scans of your passport into the system. There are often hiccups and this option cannot be called universal.

MTS salon service

You can now send a sum of money directly to MTS stores. To do this, you need to pay the desired amount to the cashier and provide brief details of the recipient. The money will be available within 5 minutes after sending.

To transfer/receive money you need to have a Russian passport. The commission is small: 1.6% in the Russian Federation, 2% in the CIS countries.

Where can I make money transfers without commission?

If you need to make frequent sendings or transfer a substantial amount, then you need to find free option. Money transfers without commission are possible in several ways, some of them are quite specific, for example, through replenishing a mobile account.

Transfer between bank cards

For example, if the sender and recipient issue cards at the same bank, then the transfer between them is free. Those who often use transfers to the same individual should get a card from one of the banks - the sender and the recipient.

The idea is to top up your card account (ATM, cash register), and then transfer the amount to the recipient's card account. However, in some cases you will have to pay to withdraw cash, so it is worth studying the conditions of specific banks.

Tinkoff Bank does not charge a commission for transfers between any debit cards. At Sberbank, this can only be implemented if the transfer is carried out within the same city.

You can transfer to a VTB 24 card simply by card number. This is an instant transfer, and in order not to pay for cashing out, you need to get a regular debit card.

Corn Map

Contact any Euroset office to register special card Corn. It allows you to make transfers within the Russian Federation without commission, and within the CIS - with a commission of 2%.

This is one of the most convenient options free cash withdrawal. First, it is advisable to familiarize yourself with the capabilities of the card and the rules for its use.

How to get it

Make a purchase in Euroset for an amount of 3 thousand rubles or more or purchase a card to top up your phone with a nominal value of more than 100 rubles. Please ask for this amount to be credited to Kukuruza’s account. You need to have your passport and mobile phone– the whole operation will take 10 minutes.

It is convenient to carry out operations with Corn in your personal account via Internet banking. To enter it, you will be sent a password to the mobile number assigned to it. Using the card and personal account absolutely free.

Also, the recipient of the funds must apply for a Corn card in order to receive cash without commissions.

How to transfer money

Contact the Euroset salon with your card, provide the recipient’s details (full name, telephone number and Kukuruza card number), as well as the transfer amount. The money will be transferred in just a few minutes, and the recipient will be notified by SMS. The transfer can also be easily done through online banking

If the recipient has not signed up for a Corn card, you can send money by giving your full name and phone number. He will be able to receive them anywhere on the Euroset in his city. But he will be charged a commission for cashing out: for the Russian Federation - 1%, for the CIS - 2%.

Features of working with Corn

How to work with the Corn card:

1. For such a purpose a card will do category "Standard".
2. Connect to the “Interest on Balance” service.
3. There is no commission for withdrawals of up to 30 thousand rubles per month.
4. You can top up your card at any point on Euroset.
5. It is better to make withdrawals at ATMs (the cash desks charge a percentage): VTB 24, Raiffeisen or City.

When withdrawing money from an ATM, the amount in the account is blocked, which is equal to the withdrawal fee. After 2-3 days, the blocking will be removed from this amount. If you do not enable “Interest on balance,” then you will have to pay for cash withdrawals.

Bank Avangard

At Avangard Bank you can transfer money between different accounts without commission. To do this, you need to open a current account there and get a card so that you can use Internet banking. You can both replenish your account and withdraw money through the Avangard office.

The only thing you need to consider is to notify the bank branch if the withdrawal amount is large. Vanguard has many small branches that may not have the required amount.

Bank Svyaznoy

The recipient needs to issue universal card Svyaznoy Bank. Its service is paid and amounts to 600 rubles per year. But this amount is insignificant in comparison with commissions in conventional payment systems.

The sender must go to any branch of Svyaznoy and top up the recipient’s card using its number. When withdrawing an amount less than 1000 rubles, a commission will be charged, and if the amount is larger, the operation is free.

Mobile account replenishment

There is another non-standard method that is inconvenient to use often, but it has the right to life. You must deposit the required amount into your account mobile number recipient. The fee for replenishing an account is usually small, especially when it comes to large amounts.

The recipient, in turn, must visit the operator’s office mobile communications and draw up a statement of refusal of services and a request to terminate the contract. The company will return the money that was in the account.

It is worth noting that to do this you need to have an unnecessary number or enter into a new contract, which will be terminated.

If you need to send frequently sums of money to another city, then it is best to find a convenient way without a commission. In the article you can find various options with and without service fees.

The best choice is to issue debit VTB cards 24, Corn, as well as a paid Svyaznoy card. Use the services of the counterparty you trust most.