Where to send a quick money transfer? How to make a quick money transfer within Russia and to other countries: methods and conditions Urgent money transfers
Fast money transfer within Russia. How to do it? The question is very relevant for Russians. After all, today there are many ways to transfer your funds, but not everyone understands which is the fastest and most comfortable.
Let's look at the most popular methods in this article and highlight among them the most profitable ones in terms of spending.
If we systematize all methods of transferring funds in the Russian Federation, we can distinguish several classes.
Postal transfers
The most leisurely method, but because of this – one of the most inexpensive. As a rule, this involves visiting an office, but there is an exception – a cyber money transfer system within the postal service.
Express
This includes Western Union, MoneyGram, UNIStream and other similar systems. A common plus is efficiency, but a common minus is rather expensive tariffs. Also, sometimes there is a question of restrictions on the geography of transfers, but this is most often resolved by cooperation with banking organizations.
Transfers via the Internet
Profitable, cheap money transfers via the Internet involve express systems, already mentioned above. The money is debited from the sender's account, and the cost is regulated by the service rates.
However, another way is possible: electronic wallets like and . The operation is completed instantly, but a significant commission is charged (both for the transfer itself and for cashing out).
Bank operations
There is two alternatives– transfers between cards and from account to account.
The first is noted for the fact that it has several convenient ways of implementation: ATM, self-service terminal and online banking. It is most suitable if the cards of the recipient and the sender belong to the same bank: then there will be no commission.
The second works best when transferring money through the web version of the bank. Plus – the ability to perform all actions remotely. Cons: it is not a cheap option, and funds can take up to a day or even longer.
Now let’s take a closer look at how to transfer or send your funds cheaper by mail and other methods.
In the case of Russian Post, there are two options - transfer at the branch in cash and through the CyberMoney system.
Office
A visit to the post office involves lengthy activities to transfer money. You will need a document proving your identity (passport).
The method is focused on transfers within the country. But you can also send money to:
- Azerbaijan;
- Armenia;
- Belarus;
- Georgia;
- Kazakhstan;
- Kyrgyzstan;
- Latvia;
- Lithuania;
- Moldova;
- Tajikistan;
- Turkmenistan;
- Uzbekistan;
- Ukraine;
- France;
- South Ossetia;
- Serbia;
- China.
Note 1. The period during which the money goes to the recipient for international translation, - two days.
If money is transferred to another state, the conditions differ in each case. More detailed information about this and about postal transfers in general can be obtained.
Important! Postal transfer is always addressed. The shipment is intended for a specific post office or pickup point.
About the amounts of transfers. The maximum for an operation in the country is 500,000 rubles. 250,000 - for a non-cash transaction. 120,000 - for the delivery service of the item home to the addressee.
About the timing. In Russia, money goes from seven to eight days.
The commission ranges from 1.5% to 5% (for both international and domestic transfers).
Banking payment systems
Separately, we can highlight express transfer systems that operate with the support of specific banks. Next, we will give an example of two such services - Blizko and Hummingbird.
Close
This instant transfer service is the property of Svyaz Bank. With its help, transfers are made to different countries within a few minutes.
- commission fee – up to 1.5%;
- option to transfer the message to the recipient;
- having a foreign currency account;
- transfer limit – 500,000 rubles (or equivalent in foreign currency).
Transfers within Blizko can be made at Svyaz Bank branches.
This system is one of the youngest. It belongs to Sberbank.
Kolibri system on the Sberbank website
Within the framework, you can transfer and receive no more than 500,000 rubles per day.
The commission fee depends on the amount and region (from 1.5%), but cannot be less than 150 rubles. The recipient receives the money within an hour.
To send money, need to:
- come to the Sberbank office, where the transfer service through Kolibri is provided;
- provide the recipient’s passport and full name;
- indicate a security question (optional) - the receiving person will have to answer it;
- inform the recipient control number, which is assigned to the translation during the clearance process.
To receive a transfer, you just need to visit a Sberbank branch with your passport. Before this, ask the sender for the transaction control number so that you can call it at the office to receive the sent funds. Take the money.
Convenient ways for migrant workers
Migrant workers are also not deprived of attention and have the opportunity to make money transfers subject to a number of conditions. Let's look at this point in more detail below.
Electronic payment systems
Foreign workers have access to a fairly convenient transfer system provided by large express services.
For example, the Zolotaya Korona can be used to send money to a Russian destination. Western Union or Contact – for transfers abroad.
There are no special schemes here. The rules for using the systems are general. The main thing is to know where and from where the service allows you to send money and at what rates.
Nuances
A labor migrant in Russia does not encounter difficulties when transferring money if he has a work visa and is ready to provide a passport and temporary registration. However, it is necessary to note a number of nuances of interaction with payment systems:
- not all service providers work on transfers from legal entities;
- the commission fee can vary greatly depending on the amount of money and the country of destination;
- There is a need to clarify the specific receiving address (office) and information from your passport before applying for a transfer.
Note 4. You can receive money through any system without a commission fee - if you have a passport and recipient code.
As you can see, if you prudently take care of the availability of all documents and know the nuances of sending, there should not be any difficulties. Any migrant worker can receive and send funds without any problems.
Conclusion
As you can see, there are plenty of ways to make a quick money transfer across Russia. The main thing is to understand the conditions and decide on the optimal solution. In order for the transfer to occur without problems, you need to pay attention to issues of commissions, deadlines, etc. If there is the slightest misunderstanding, there is always the opportunity to contact the service hotline.
In contact with
Visits to any organizations are usually regulated by their mode of operation and take energy. Use an alternative method of money transfers available around the clock from the Zolotaya Korona payment services system - send funds online. Thus, you can quickly make an online money transfer from a card issued by a bank in Russia*, Belarus** or Kazakhstan***, at any time of the day or night, on weekends and holidays. This is a convenient option to make money transfers without commission**** and without specifying a specific address of the recipient. And not only on the website. If you often transfer money and are interested in having this service always at hand, install the Golden Crown - Money Transfers (6+) mobile application on your phone. Do not forget about the useful functionality of the online format: the consolidated history of all transactions (on the website - in the Personal Account) allows you to check the status of the transfer at any time and quickly repeat one of the previous ones. As a rule, the funds sent are ready for withdrawal immediately after the transaction is completed. The recipient can receive the transfer online* or go to a convenient service point.
We will answer your questions
- Where can I get a transfer sent to me?
You can get a translation. Before visiting the point of receiving the transfer selected on the website, we recommend that you check in advance the opening hours of this point by calling the specified phone number of the bank or trading network. Information on the addresses of points for receiving transfers "Zolotaya Korona" can be found on the website.
- How long will it take for the recipient to receive the transfer?
Money usually arrives instantly or the next business day, and if the payment is made on a weekend or holiday, up to two business days.
- In what currency can I send a transfer?
- How much is the transfer fee?
To find out the fee for sending a transfer, select the country, currency and amount to receive on the page.
When choosing a receiving currency other than the sending currency, no commission is charged in excess of the transfer amount.
Additionally, a fee may be charged by the bank that issued your card. To clarify the information, you need to contact your bank with a question whether the bank charges a fee for the “transfer from card to card” operation on a third-party site. - What will be the exchange rate when converting the transfer to another currency?
- How can I change the recipient's data after sending a money transfer?
Before the transfer is issued to the recipient, you can change the recipient's data. For this:
- Go to the page and click the link in the upper right corner;
- In the translation history, select the translation you want to make changes to and click the "Edit" button;
- Make changes to the data of the recipient of the transfer and click the "Next" button;
- Enter the full number of your card with which the transfer was paid, and click the "Next" button. Entering the card number will allow you to additionally check that the sender of the transfer and the person who makes the changes are the same person.
- Enter the one-time code that you will receive via SMS and click the "Change" button.
- How to return the transfer?
Until the transfer is issued to the recipient, you can cancel the transfer and return the money to the card from which the transfer was paid (except for the commission, if any). For this:
On the site, on the page:- Click the "Login" link in the upper right corner;
- Enter the mobile phone number that you indicated when sending the transfer and click the "Get Password" button;
- Enter the password that you will receive in SMS and click the "Login" button;
- In the history of transfers, select the transfer you want to return and click the "Return" button;
- Enter the one-time code that you will receive in SMS and click the "Return transfer" button.
- On the mobile app:
- In the history of transfers, select the one you want to cancel and click "Revert" or swipe the transfer from right to left;
- Enter the confirmation code that will come in an SMS message to the specified phone number, and click "Return transfer".
- The list does not contain the desired country where I want to send the transfer, can I specify the direction I need myself?
The absence of the desired country in the list means that at the moment there are no money transfers "Zolotaya Korona" to this country.
- Is there a limit on sending a transfer when using a card issued by a Russian bank?
- The amount of all transfers for 1 calendar day is 5,000 US dollars or the equivalent in another currency;
- The amount of all transfers for 30 calendar days is 1,000,000 rubles or the equivalent in foreign currency;
- The amount of all transfers for 60 calendar days is 1,500,000 rubles or the equivalent in foreign currency;
- The amount of all transfers for 90 calendar days is 2,000,000 rubles or the equivalent in foreign currency.
- Is there a limit on sending a transfer when using a card issued by the Bank of the Republic of Belarus?
The following limits are set for sending Zolotaya Korona money transfers:
- The maximum amount of one transfer cannot exceed 1,000 US dollars or the equivalent in another currency;
- The maximum amount of five transfers within 1 calendar day cannot exceed 2,500 US dollars or the equivalent in another currency;
- The maximum amount of twenty transfers within 7 calendar days cannot exceed 9,000 US dollars or the equivalent in another currency;
- The maximum amount of forty transfers within 30 calendar days cannot exceed 15,000 US dollars or the equivalent in another currency.
- Is there a limit on sending a transfer when using a card issued by a bank of the Republic of Kazakhstan?
The following limits are set for sending Zolotaya Korona money transfers:
- The minimum amount of one transfer is 5,000 tenge or equivalent in another currency;
- The maximum amount of one transfer is 2,500 US dollars or the equivalent in another currency;
- The maximum amount of two transfers in 1 calendar day is 5,000 US dollars or the equivalent in another currency;
- The maximum amount of three transfers in 7 calendar days is 7,500 US dollars or the equivalent in another currency;
- The maximum amount of 10 transfers in 30 calendar days is 15,000 US dollars or the equivalent in foreign currency.
- How to enter your personal account?
There are situations when you need to urgently transfer money. Today, several instant money transfer systems provide the opportunity to send funds to any city where the service has a representative office.
Fast ones are very convenient, since you don’t need to open a current account. The transaction is carried out only using the sender’s passport, while the recipient will need to present a passport and give a secret code, which can be communicated to him over the phone. In a maximum of an hour, the money will already be in the system, after which it will be possible to receive it. Organizations involved in such operations have a very wide network of representative offices.
Where is the best place to go?
Fast transfers are provided not only by Russian Post. Today, a large number of companies have appeared that allow you to receive money in just a few minutes. The fee for the transfer will be a commission amounting to approximately 1-6% of the amount in different organizations. Before sending a transfer, you need to read the terms and conditions in order to choose the most profitable option for you. The largest services today are the following:
One of the main advantages is that the transfer of money is paid only by the sender, while the recipient can collect the full amount. If your friend or relative needs urgent financial assistance, you will be able to transfer the necessary funds to him in full as soon as possible. The system for sending and receiving funds without opening accounts is gaining popularity, and thousands of people use it every day.
Instant money transfers to family and friends are especially popular all over the world.
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Numerous international fast money transfer systems and those that operate predominantly are ready to provide services for a commission, the size of which will depend on the amount transferred and the destination.
Transfers are made in about 10–20 minutes, very rarely money arrives within an hour.
Offers
There are about 20 of the most popular domestic and foreign systems in Russia. Almost all of them carry out transfers within Russia and. Only a few work to transfer funds across Russia and neighboring countries.
When faced with the need to make a transfer, it is better for a potential client to analyze the operation of several systems in order to understand where he will pay the least commission.
Conditions
Fast sending of finances is carried out without opening a bank or other account.
The main conditions are the minimum number of necessary documents and data for sending and receiving.
In some cases, personal data of the sender and recipient, city and country are required, in others - their card and mobile phone numbers.
It all depends on the method of sending and receiving, as well as the conditions imposed by the transfer system.
According to the legislation of the Russian Federation:
- It is allowed to send funds within the country in any amount, without restrictions.
- Russian citizens can transfer abroad no more than 5 thousand in foreign currency in one working day.
- Non-residents have the right to transfer any amounts abroad.
- It is allowed to send currency to Russia from other countries without restrictions.
As a rule, the systems themselves limit the amount of amounts that can be sent within Russia and abroad.
You can send funds within Russia in national currency, and abroad in national currency equivalent and foreign currency. The recipient receives funds in the currency of the country where the transfer is sent.
But in some systems, the conditions provide for sending and issuing only in foreign or national Russia.
From Russia, currency can be sent to countries where there are representative offices of one or another transfer system.
Various additional free services may be offered for the transfer, for example, sending SMS to the recipient and others.
The commission is charged only to the sender, the recipient is given the full amount.
Fast money transfers
In addition to international money transfer systems, all Russian banks offer to quickly send funds; each of them has developed 2-3 programs.
Offers from mobile operators also allow subscribers to send funds to each other or to cards from their personal phone account.
In Russia
In addition to the most popular systems within the country are the following services:
- Sberbank (Kolibri transfer system);
- VTB 24 (translation system Sprint);
- Contact;
- Gold Crown.
But with their help you can also make transfers abroad. The system gained popularity due to the small commissions charged for services within the country.
For convenience, clients in the Russian Federation can contact numerous bank branches and points.
International
Everyone works in many countries, so, except for Russia, it is convenient to send transfers abroad.
To send funds within Russia, it is necessary to take into account that commissions are usually higher.
Therefore, it is beneficial to use international fast transfer systems to send money to other countries.
Ways
Financial institutions offering such services have numerous offices located in many countries around the world.
Various methods of transferring money are offered:
- using the Internet banking service;
- through a network of points located in retail chains;
- in bank branches;
- from mobile with the support of network operators;
- via terminals;
- other.
Sberbank
At Sberbank, fast money transfers within Russia using the system are considered the cheapest. You can also send money to neighboring countries.
Within Russia a maximum of 500 thousand rubles is allowed, and abroad 5 thousand US dollars for Russians and 10 thousand for non-residents.
Transfers within Russia cost 1.5% of the amount, and abroad – 1%, but commissions should be accordingly in the range of 150–1000 rubles. and 3 thousand rubles.
You can receive money only at one of the Sberbank branches. Funds arrive within 10–60 minutes.
Western Union
It is the most widespread in the world; it can be used in 200 countries. Funds arrive instantly.
Sending can be done at a bank that is a partner or at an official representative office. Sending is carried out after filling out the company form, the sender is given a secret code, which he communicates to the recipient.
The commissions are the largest; they can reach 2–10% of the amount transferred abroad, but their size depends on the direction of sending and the recipient country.
In Russia, the cost of translation can be 1–5%. Transfers can only be made in US dollars and rubles.
Unistream
Points for sending and receiving money are located in Russia, the near abroad and beyond. The transfer can be received in 10 minutes at one of the official representative offices of the company or at a branch of a partner bank.
Transfers within Russia and to CIS countries cost 1%, and to distant countries 2%.
Clients can send money in one currency, and the recipient can optionally receive the amount in another.
To send funds from a card of any issuing bank, the company offers to use the official website; the recipient will also receive money at Unistream or bank branches.
You can make a maximum addressless transfer from the card in the amount of 100 thousand rubles. or equivalent.
You are allowed to make 3 transfers from one card per day.
Transfers are made in four currencies:
- rubles;
- US dollars;
- Euro;
- pounds.
Contact
The domestic system of fast transfers is considered the cheapest and most widespread in Russia; it can be called second after Western Union in popularity.
Sending and receiving funds is carried out at official points of the system, as well as at almost every bank in Russia.
For ruble transfers within Russia you need to pay 1.5%, and abroad 2–3%.
Transfers are made in three currencies:
- rubles;
- Euro;
- US dollars.
Within Russia, the maximum you can send is 500 thousand rubles. per day, to the CIS countries - 350 thousand rubles. or 10 thousand in foreign currency; for non-CIS countries there is a limit of 5 thousand US dollars/euro. But the restrictions do not apply to non-residents of Russia.
According to the terms of Contact, funds can be issued to the recipient in cash or credited to a card/current account.
In addition to Contact points, the sender can independently make a transfer using a mobile phone through partner mobile operators, system terminals, from his card to the recipient’s card through an online service.
Gold Crown
It cooperates with banks, retail outlets, mobile operators and other organizations, so sending can be done in any region of Russia.
When registering, an application is filled out, indicating the city and country, and money can be received at any point where the service is provided.
Commissions range from 0.5–1.5% and depend on the recipient country.
MoneyGram
You can receive or send a transfer at system offices, partner banks, Euroset or Svyaznoy stores. To send, you need to fill out a company form.
Commissions are considered quite expensive. Funds can be issued to the recipient in 10 minutes.
Anelik
Using the express transfer system, you can receive money in 5 minutes.
Sending is carried out at points of the system or at branches of partner banks, and receipt only at the point indicated as the destination. The opportunity to use Anelik translation services is available in almost 100 countries around the world.
Ruble transfers within Russia cost 1.5%, and in foreign currency abroad 3%.
Leader
The system covers 130 countries, funds can be received instantly.
The size of the commission depends on the shipping method and destination, it varies between 1–4%.
Cyber Money
Completely covers the territory of Russia, neighboring countries and foreign countries. You can send 500 thousand rubles within Russia, and 100 thousand rubles abroad. or equivalent.
Transfer fees are considered high. You can transfer money to an individual or legal entity.
How to send and receive?
In order to transfer money quickly at one of the points or branches of a partner bank of money transfer systems, you must appear in person and present an identification document.
To submit, fill out an application form, indicating:
- sender and recipient data;
- destination;
- transfer amount;
- currency.
If you specify only the country, the recipient will be able to receive money at any point where the system’s services are provided.
After completing the documents, the sender is given a control number, which he communicates to the recipient.
If the sender chooses the method of sending money using Internet banking, a terminal, from a mobile phone or from card to card, this can be done independently. In this case, a passport will not be required, and the recipient will receive the funds on the card/account or receive it in the standard way at one of the system’s offices.
