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 provide detailed instructions for carrying out the presented operations.

Service for sending money - performs an intermediary function between the sender and recipient Money. 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.

Principle of operation:

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 given a secret code, which he must pass on 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 is the first Russian payment system that has been 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 a minimum amount of transferred funds, so anyone can transfer any amount of funds 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. Maximum amount operations carried out in Russia amount to 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 market financial transactions. 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 in 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 repay 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 that allow for high speed money transfer.

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 international urgent money transfer market. 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.

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

Money transfer system, This organizational structure, which developed rules for the receipt and transfer of funds between individuals, supported these rules with software and ensured the transfer of information using 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 carry out money transfers.

Funds transfer systems are divided into:

1. banking;
2. not banking
3. mixed - banking and non-banking

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

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

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

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 are regulated by the Regulations Central Bank RF dated 01.04.2003 N 222-P “On the procedure for making non-cash 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 many money transfer systems offered by banks to the population. The most popular among the population are banking money transfer systems (without opening an account), postal transfers of the Russian Post and non-banking systems that cooperate with Banks and Russian Post.

At the beginning of 2012 alone, more than 30 different Russian and Foreign money transfer systems operate on the territory of the Russian Federation. Therefore, every client who needs to transfer funds is faced with the question of which money transfer system to choose. When choosing a money transfer system, each client strives to combine such different requirements How:

1. The price and quality of the service provided;
2. Speed ​​and geography of service provision;
3. Transfer currencies.

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

International money transfer system Western Union

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 Western Union (NYSE: WU). Western Union's global network includes more than 410,000 customer service locations in more than 200 countries and territories.

In Russia, this money transfer system has been operating since 1991, having opened a subsidiary company, LLC Nebankovskaya credit organisation"Western Union DP Vostok" (Bank of Russia license No. 2726-S). The head office of the subsidiary company 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 was over 14,000, and continues to grow. The Western Union system applies a flexible tariff policy.

Within Russia, transfers are made without opening a bank account and without crediting the 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 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 Russian Post - only in Russian rubles.

The commission is deducted only from the sender of the funds, and its size 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:

• In Russia;
• To neighboring countries;
• To far abroad countries.

Since July 2008, the Western Union Transfer System has launched the Western Union Gold Card loyalty program in Russia for clients who repeatedly make money transfers. This loyalty system already operates in 65 countries around the world and is based on the introduction of special cards - Western Union Cards (Western Union Gold Cards). This allows you to reduce the translation processing time and identify regular customers from the database. Loyalty program - Gold card Western Union® is aimed at rewarding regular customers of the system with bonuses.

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

International money transfer system MoneyGram

This international system money transfers organized American company MoneyGram International Limited, the company's headquarters is located in Minneapolis (USA). The first translation was sent in 1940 in Minneapolis (USA). The system's network connects 244,000 locations and local agents in 192 countries and regions around the world. In the CIS countries, the MoneyGram network has over 26,000 service points.

MoneyGram's partners in Europe include such financial institutions as the Royal Mail of Great Britain and Norway, Italian Post, Bank of Ireland, Banco Popular Espanol, Kocbank, Finansbank and many others.

On the territory of the Russian Federation, the system has been operating since 1996 and cooperates with such banks as: Sberbank of Russia, Rosbank, RaiffeisenBank, Orient Express Bank, URALSIB Bank, Svyaz Bank, Rus Bank, etc.

Transfers are made without opening a bank account (in US dollars, Euros or local currency). The transfer fee ranges from 1% depending on the amount and country of transfer. The MoneyGram system has the following restrictions 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 US dollars per day.

BLITZ money transfer system

This is the largest and most common Russian systems 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 functioning since February 1, 2006 and work only within the structures of Sberbank of Russia;
• Transfers to Kazakhstan, Ukraine and the Republic of Belarus (between Sberbank branches in Russia and branches of subsidiary banks in Kazakhstan (SB Sberbank JSC), in Ukraine (Sberbank of Russia OJSC and in the Republic of Belarus (BPS-Sberbank OJSC) - are functioning from October 1, 2007.

Sberbank of Russia has an extensive branch network and more than 10,000 branches work to receive and issue “Blitz” transfers throughout Russia. And more than 300 points in Kazakhstan, Ukraine and the Republic of Belarus. The disadvantage of the “Blitz” transfer system is that transfers are carried out only within Sberbank and their subsidiary banks.

The cost of a transfer within Russia is 1.75% of the transfer amount (no less than 150 rubles and no more than 3,000 rubles), which is charged only to the sender. The cost of sending a transfer abroad is 1% of the amount (at least 150 rubles / 5 US dollars, or 5 euros depending on the currency of the transfer). The cost of paying out a transfer abroad is 1% of the amount. A very reliable system, processing transfers only using a passport or ID card.

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

Money transfers "CyberMoney"

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

• Money transfers “CyberMoney” (in Russia);
• Money transfers “CyberMoney” (to the CIS countries, the Baltics and far abroad countries).

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

Only the CyberMoney money transfer system of the Russian Post guarantees 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 delivery means).

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

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

Money transfers "Fast and Furious"

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 "Forsazh" can be issued in 12 thousand branches, the number of branches accepting this type of transfer will gradually increase to 42 thousand.

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

About the availability of the received postal transfer can only be found out by visiting the post office, and the postal notification may be delivered much later.

International money transfer system Unistream

This is an international system of urgent money transfers in Russia, operating all over the world under the UNIStream brand. The operator of the international money transfer system Unistream is OJSC CB UNISTREAM, which in 2001 began operating 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. 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 addressed and addressless money transfers

The cost of Unistream transfer within Russia is from 1% to 1.5%. Interest on transfers to foreign countries Mostly start from 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 a Russian international system of money transfers between individuals without opening an account around the world. The organizer and clearing center of the system is JSCB RUSSLAVBANK (CJSC), which was registered in 1990 (General license of the Central Bank of the Russian Federation No. 1073). The CONTACT money transfer and payment system across Russia began operating in 2000, and on January 27, 2005, this system began making transfers to the CIS countries.

The Contact money transfer system has more than 40,000 points in 90 countries, and more than 3,500 customer service points in Russia. Transfers are made in Russian rubles, US dollars and euros. Within the territory of Russia, the maximum amount of money transfer is 500,000 rubles, to neighboring countries - 350,000 rubles, 10,000 US dollars/Euro, and foreign 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 limitation does not apply.

The system allows you to:

• Sending transfers - in cash, from a bank account, from a card account.
• Receiving transfers - in cash, by crediting to a bank account, crediting to a card account, or paying 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 large sums transfer - will be less than 1%.

Since December 2009 CONTACT system introduced SMS notification to customers around the world. The following banks in Russia work with the Contact money transfer system: GLOBEX Bank, Omsk Bank, Bank Vozrozhdenie, Tver City Bank, etc.

Russian money transfer system "Zolotaya Korona - Money Transfers"

This is a modern and unique Russian system of money transfers for individuals. It was developed by the Center for Financial Technologies (CFT) and began operating in 2003. And in 2007, the system was put into commercial operation new technology registration of sending transfers through cash register devices. 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 about the recipients of the transfers.

The system's network of points covers 11 republics of the former Soviet 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: Uralsib OJSC, Moscow Regional Bank LLC, Perminvestbank OJSC, CHELYABINVESTBANK, Vostochny CB OJSC, etc.

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

ALLURE money transfer system

This money transfer system was initially focused on the domestic Russian market, and then began to move into the CIS countries. The organizer and processing center of the system of money transfers for individuals without opening bank accounts is CJSC "Company of United credit cards» (KOKK), better known on the Russian market under the UCS (United Card Service) brand. 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 OJSC JSCB ROSBANK.

The total accessible network of the ALLURE system is more than 5,500 offices, including more than 650 partner credit institutions located in more than 300 localities in Russia. Signed and working affiliate program with the 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 an amount equivalent to 5,000-00 US dollars in one transaction day). The ALLURE money transfer system has uniform fixed tariffs only for sending a transfer, and its size depends on the transfer amount and currency.

International money transfer system LEADER

Russian system of international money transfers, which is serviced by the NPO CJSC "LIDER". The settlement center and founder of the NPO CJSC "LIDER" 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 for 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 currency of the transfer. In some countries, several Tariff plans are in effect simultaneously, so the choice of bank for the transfer should be clarified on the system’s website.

Clients of the LEADER system can also take advantage of the opportunity to credit money to the bank account of the recipient of the transfer, for which the sender needs to check with the operator about the possibility of this operation in accordance with the legislation of the recipient’s country.

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

International money transfer system MIGOM (MIGOM)®

MIGOM® is an international money transfer system in Russia, created at 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 following Russian banks work with the system: Bank24.ru, Khanty-Mansiysk Bank, ROSGOSSTRAKH BANK, OJSC "GUTA-BANK", SMP Bank and others. The following banks from CIS countries have joined the MIGOM money transfer system: Agroprombank (Transnistria), Belagroprombank (Belarus), Bank Ipak Yuli (Uzbekistan), Savings bank(Ukraine), PrivatBank (Ukraine), Belpromstroybank (Belarus), Savings Bank (Transnistria), Tajikistan 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 obtain from your service operator a printout of the list of addresses of MIGOM points in the receiving city. And yet, the transfer will be issued to the Recipient only in the currency in which it was sent by the Sender.

Money transfers are 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 in the world there is a large number of types of money transfers. 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 using a bank account;
• currency – provide for transfer monetary units 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 a 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 (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 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 online wallet Yandex money.

The transaction fee depends on many factors, the main ones being: sending method, transfer amount, destination country. A large number of transfer issuing points 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 Main 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:

gold 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 " gold 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’s network consists of 36 thousand points, including all divisions of the Federal State Unitary Enterprise “Russian Post”.

It is worth considering that you can only send money 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 a payment card of 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 app Leader Digital.

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

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. It's about about sending money using social networks.

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 working 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 is a transfer of funds from the sender to the recipient with the help of the relevant payment system operators through national or international ones for the purpose of crediting funds to the recipient’s account or issuing them to him in cash.

Money transfer participants

The structure of a money transfer always includes a sender, a recipient and an intermediary - a payment system operator who charges a certain fee for its services.

When making a money transfer, both an individual and a legal entity can act as a sender or recipient.

The payment system operator acts as an intermediary. It can be: countries, international, having a license to carry out money transfers, postal divisions.

Types of money transfers

Money transfers can be carried out both within one state - the so-called internal money transfers, and beyond – international money transfers. Internal money transfers are usually carried out in national currency, while international ones are mainly in the most popular world currencies. In this case, the recipient can receive both foreign currency and its equivalent in national currency (the foreign exchange legislation of some countries establishes a requirement for mandatory conversion of foreign currency).

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

Money transfers without opening an account can be carried out:

• for arbitrary details: for this, the payer fills out an application form for a transfer at the bank, indicates the details and name of the recipient, details of the recipient's bank and deposits cash through the bank's cash desk, and also pays the transfer fee according to the bank's tariffs;
• within the framework of concluded agreements - acceptance of payments from individuals in favor of legal entity(for example, for public utilities, for the services of telecom operators, for Internet services, etc.) if there is a concluded agreement on accepting payments between the bank and the company. As a rule, for such payments a commission is not charged to an individual (it is paid by a legal entity) or it is of a minimal amount;
• through various systems money transfers (from local to international), which include, for example, MoneyGram, Unistream, PrivatMoney, Anelik and others;
• through post offices by postal transfer.

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

Remittance- This transfer (movement) of funds from the sender to the recipient with the help of payment system operators through national or international payment systems for the purpose of crediting funds to the recipient’s account or issuing them to him in cash. The structure of a money transfer always includes a sender, a recipient and an intermediary - a payment system operator who charges a certain fee for its services.

Money transfer systems

There are a large number of payment systems through which money transfers are made. They differ in the translation method, speed and, accordingly, tariffs for services. IN last years Money transfers carried out using bank cards, namely transfer from card to card. They are also called p2p transfers or card to card.

Types of money transfers

Money transfers can be carried out within one state - such a transfer of funds is considered internal. If funds are sent abroad (for example, to the USA), such a money transfer is considered external or cross-border. Accordingly, money transfers in the second and other cases of transfers abroad can be made in foreign currency, or, after receipt, rubles (euros, dollars, etc.) are exchanged for local currency. Cross-border remittances provide a significant, and sometimes major, source of income for some developing countries. International money transfers, as a rule, are allocated to a separate financial and economic class and are called remittances.

Purpose of money transfer

A money transfer can be transferred for any product, work or service. The sender and recipient independently determine the purpose of the money transfer. If necessary, the sender provides the payment system operator with documents confirming the basis for the purpose of the funds transfer, as well as documents confirming the origin of the funds themselves.

Fund transfer participants

• The intermediary in making a money transfer is the payment system operator. It could be: central bank countries, commercial Bank, international money transfer system, national system money transfers, non-banking organization, which has the right to provide money transfer services, post office.
• The sender of a money transfer can be any individual or legal entity.
• The recipient of a money transfer can be any individual or legal entity.

Money transfers from Russia

Commissions and procedure

The average transfer fee is 2-6% of the transfer amount, although a transfer of $2 may require $10 as a minimum commission. To send a transfer, you often need to present an identification document at the service point and indicate the full name of the recipient and the city of destination of the transfer. Requirements may vary depending on the system.

Money transfers in Ukraine

Commission

The commission for money transfer is charged in the form of fixed rate or a percentage of the transferred amount. The size of the commission for the service is usually determined by the participants in the money transfer independently through contractual relations. Competition in the market of money transfer service operators has a significant impact on the size of the commission.