Residents of Russia, when working or studying in America, have to transfer the currency home. You can transfer money from the USA to Russia in many ways. various ways. It is not necessary to use accounts or cards. To date, you can count a fairly large number of alternative translation options.

Depending on the frequency and volume of transfers, only two main groups of methods can be distinguished: cash and non-cash. At the same time, for the transfer "from hand to hand" it will be necessary to involve an intermediary, that is, using the channels of operational money transfer systems.

If such operations are systematic, then it is more expedient to carry them out on accounts or cards. Each type of enumeration deserves special attention.

Through bank accounts

The simplest and reliable way send money - use a bank account. However, this procedure, when first accessed, will require some knowledge and a certain amount of time, as it is associated with the introduction of a large number of details. Moreover, this type has a solid commission, so the operation is suitable for transferring large amounts.

Important! Such a transaction always requires a third financial institution - an intermediary.

Details of the intermediary bank (correspondent bank) must also be indicated when transferring money from the USA to Russia.

The main part of the bank accounts through which money is transferred to the Russian Federation is located in Sberbank. In order to transfer dollars, you should apply to a bank that supports international transfers. In order for the transfer to reach the addressee, you must correctly fill out the application form and, accordingly, be sure to know the exact data:

1. Name of the intermediary bank in Latin.
2. Correspondent's SWIFT address in international format (contains both letters and numbers).
3. account in the same bank.
4. Name of the receiving bank (also indicated in Latin).
5. The address of the bank to which the funds will be sent is required (also in transliteration).
6. SWIFT address of the final recipient.
7. Personal data of the recipient (his last name, first name and patronymic in Latin).
8. Bank account number, which is opened, for example, together with the issuance of a plastic card.
9. The purpose of the payment must contain one of two formulations (“material assistance”, “current expenses”).

When a transfer is associated with an account, you should think of triple interest on commission, since three are involved in the transaction at once financial institutions. The final amount to receive will depend on the amount of the transfer. The more money is transferred from America, the less it is felt by the recipient in Russia. Profitable such transfers will not work.

You can send funds from America without using a bank account, but such a procedure will cost a pretty penny to the sender. International money transfer systems are quite common around the world (both in neighboring countries - Kazakhstan, Ukraine, Belarus, and in European countries - Germany, Denmark, Great Britain and others). Many banks in Russia, however, support the issuance of funds transferred through them.

In the USA, 2 such systems are most widely used: Western Union, MoneyGram. If the first one can transfer money between any persons, including legal entities, then the second one only supports transactions between citizens. Some Russian banks support both systems. In addition, Western Union has its own network of cash points.

Using this method transfer, you need to know that the issuance is made exclusively in the national currency. That is, getting into Russia, the money is converted and only after that is issued to the recipient.

Currency conversion is a kind of commission addition, since the transfer system earns additional dividends on this. Therefore, this method cannot be called profitable.

The only advantage of transferring without opening an account is its speed. In many cases, the transaction is made instantly via the Internet and the recipient can receive the money in his hands within 30 minutes after sending.

When choosing any method of transferring funds, the recipient must present the original passport or other valid identification.

Plastic cards are the most practical way to manage money. But when there is a need for international replenishment, then it is impossible to talk, for example, about a profitable transfer to a Sberbank card.

So, thanks to the spread of Visa and Mastercard payment systems, it is possible to issue a card in any American bank in one of these payment systems and send the card to Russia. Since most ATMs support these payment systems, it will not be difficult to withdraw money or convert from dollars to rubles.

In addition, many payment systems of electronic wallets or electronic payment systems will not agree to transfer funds from cards from the States, since they do not support them.

Thus, for using a plastic card, it is suitable for issuing a card in one country, and using it in another.

Alternative systems include 2, which, while actively developing, work with both the ruble and the dollar. They are useful for online transactions between them and allow you to transfer money without additional fees. Revolut TransferWise software products. Both are available as mobile applications and are intended to make such translations available. When registering in the first system, the client receives a virtual plastic card in three currencies - Russian and two international. You can send funds in Russian currency without charging a commission. Besides, this map can be executed both in virtual form and have a material essence, that is, come by mail of the recipient. There are also a number of restrictions on annual withdrawal limits. The issuing country of the card and the program is the United Kingdom.

The second system is similar to the first, only Estonia is the issuing country. Commissions are not provided only because they are replaced by payment from the payment system for the number and size of transactions that pass through it.

Cash transfer

It is not allowed to take dollars out of the country. If an employee customs authorities finds cash dollars, then the money will be confiscated, and the person will be punished. The only way to get cash is to use Money transfers.

Thus, there are many ways to send money from the USA to Russia. The main thing is to find a convenient and profitable way for both parties of the transfer.

Translation Money in USA differs little from the same procedure for other countries. There is an opinion that difficulties may arise if you are trying to send significant amounts, but, as a rule, there are no problems here either. USA is a democratic state and welcomes the legal transfer of money to its country.

Instruction The cheapest way is to translate

money one bank card to another. The bank commission is usually 1%. To do this, you and the recipient need to have bank cards of the same payment system (for example, Visa). The transfer can be made at the bank branch of your card issuing bank or through an online payment system, if supported by your bank. If the recipient is entity, for example, you pay for a purchase in an online store, then the transfer of money from the card is carried out directly on the store's website. Although not all American stores work with foreign credit cards. The most common way to transfer between individuals is through the Moneygram and Western Union fast transfers. These companies have a wide network of dealers around the world, thanks to which they can receive their

money already 10 minutes after departure, even if the distance between you is huge. You will have to pay a fee for transferring funds. Usually it is about 5-10%. You can also send a free message up to 10 words with a translation. In order to make a transfer through WU or MG, you need to do the following. Come to the office of one of the transfer systems or to a bank authorized to receive and send money on behalf of these systems. Indicate to the cashier information about the recipient (name, surname, patronymic, city and country where he will pick up

money) and provide information about yourself in the form of an identity document. Give to the cashier

money that you want to transfer and pay the transfer fee. Get a special payment number with which you can track the transfer (in the WU system it is called the Money Transfer Control Number, in Moneygram it is the Reference Number). Next, you need to notify the recipient that in his name sent money through a certain payment system. You can tell him the payment number, but this is not prerequisite to receive money. After 10-15 minutes, the recipient can pick up the transferred funds at the branch of the company, presenting an identity document. Translate

money you can also ordinary Bank transaction, it is longer, but cheaper. To do this, you need to inform the bank:

Surname and name of the recipient;

The amount of your transfer and the currency in which you will transfer funds;

Details of the account from which the transfer will be made

money ;

Beneficiary's account details (number, bank details);

Type of transfer (urgent - 1 day, regular - 3 banking days). Discuss in advance with the recipient who will pay for the transfer. You can take it completely on yourself, that is, pay the commission of your bank and the beneficiary's bank (if he charges for this service money), or pay only your part. Usually banks in the Russian Federation take 1% of the transfer amount. For lovers electronic money There is a PayPal option. This system is very common in America. Payment is made via e-wallet credit card or bank account. It is possible to transfer funds between PayPal members. You can read more about her work here:

https://www.paypal.com/ru/cgi-bin/webscr?cmd=_display-approved-signup-co…

Sources:

• What is the best way to transfer funds to a Bank of America card?

How to send money to the USA

We propose to do without long introductions about who benefits from the money transfer service from the United States to Russia. There are a lot of options - if someone has such a need, then so be it. Will ordinary people, bypassing all sorts of sanctions and prohibitions, be able to transfer money from abroad to the regions of Russia in 2016, and if so, how.

Table of contents [Show]

Translation methods

As always, there are two options: cash and transfer to the account. You can transfer cash in different ways. On the Internet, many advise transporting banknotes in special belts, hiding them away from the watchful eyes of customs control authorities. This option is not interesting to everyone, because it requires the participation of a third party - firstly, it takes a lot of time - secondly, and you can’t call it legal, thirdly. It is better to use the operational services of international money transfer systems. Major: Western Union and MoneyGrem. You can try Contact, but there are very few points of the payment operator in America. PS Contact is not focused on the US, so we will not consider this option as one of the best. If you intend to constantly transfer money abroad (to Russia), it is better to establish a chain “from account to account”. At first glance, it is difficult, but you will have to figure it out only once, and we will help you with this.

Transfer to a bank account

The bottom line is this: you need to transfer a certain amount of money to the Russian Federation. You apply to the bank where you have a bank (card) account and apply for a transfer. The same can be done via the Internet bank office - the difficulty lies elsewhere. In details. More precisely, clients have difficulties with not knowing the details of banks, but more on that later. After filling out the application, you must pay a commission:

• The bank from which the transfer is sent: usually it is % of the amount, but there is a maximum minimum limit. For example, 2%, but not less than 60 dollars;
• Correspondent bank (BC): not always appointed, the amounts are different - from 20 to 50 dollars with an amount of up to 3 thousand USD;
• Recipient: more often taken for cashing out (up to 2%). If the money remains in the account, then there is no commission. Terms vary, please check in advance.

In the column "purpose (or purpose) of the transfer" usually indicate material assistance or current expenses. Some banks do not provide a fee if the payment is a tuition fee and is directed to the account of an educational institution. Everything is individual, so it is better for you to familiarize yourself with the conditions of your financial institution in advance. We calculated the possible expenses, taking 3 thousand dollars for the amount to be transferred. In the best case (with a minimum percentage and no commission from the bookmaker), the overpayment will be $60. At worst (it is assumed that you will be charged the maximum) - 170 USD. The terms for crediting to an account in the Russian Federation are different for all banks - expect about 5-7 days. Conclusion: the method of transferring from account to account is best considered for large amounts. If you need to transfer up to 3-5 thousand dollars, the benefit is about the same as taking a taxi to the other side of the road. What are the risks for the sender? An error in the details: as a result, the money cannot be found either in the sending bank or on the receiving side. Especially unlucky for those who sent dollars to themselves, to their own account in the Russian Federation, and upon arrival, for example, in Moscow, they did not find a balance replenishment. It often happens that money has been received, but it is impossible to receive it, because there is a mistake in the name.

Assistance in sending a transfer to a bank account

A feature of international transfers from open account is the mandatory presence of not two, but three parties: between the sender and the recipient is the BC. Without it, the transaction is impossible. The difficulty lies in the fact that people usually do not know the details of their own bank, and they have never heard of any correspondents there. Take, for example, Sberbank - the bulk of transfers from abroad settle on the accounts of the largest state-owned bank of the Russian Federation, but before that, the money goes through a rather thorny path:

• Bank in the US where the currency was sent from
• Intermediary bank (correspondent)
• Sberbank in Moscow
• Regional branch of Sberbank
• Office in your locality (personal account, which we often confuse with the number indicated on a bank card)

In addition to the details of the sending bank, you will have to provide the following data (prepare to give them in advance to save time):

Intermediary, BK	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary's Bank SWIFT, (i.e., SWIFT BC)	BKTRUS33
Beneficiary's Bank Account, (BC account)	04403077
Beneficiary Bank (Beneficiary Bank)	Sberbank of Russia
Beneficiary's Bank Address (address of the bank where the transfer was sent)	Find out from employees, on the website, by calling the hotline
Beneficiary's Bank-SWIFT (i.e., the beneficiary's SWIFT)	-
Beneficiary (recipient data)	Surname / First name / Patronymic (indicated in transliteration). For each Russian letter there is a special designation in Latin, check this point with the bank staff.
Beneficiary's Account	Account number (not the numbers that are indicated on the obverse of a bank card. It is usually written in the agreement that is issued with the card. If the document is not saved, check with the operators).
Payment Details, payment purpose	For example, personal needs (Own/fundstransfer)

Transfers without opening an account

Forward sums of money possible without opening a bank account. Cash is accepted and sent to the bearer of the control number by well-known payment systems Western Union, MoneyGram. Both have many operating points in America and Russia. The first has more of them, but the second cooperates with Sberbank. Although Western Union signed an agreement with the country's largest creditor back in 2011, it was never introduced into its processing. The term for the execution of an intercontinental transfer is a maximum of 10 minutes. As for commissions, they are really big. This is the main reason that such a transfer route is usually kept in reserve and used in extreme cases, for example, when urgency is a priority. Acceptance of international transfers without opening an account works in banks:

If you transfer dollars, they will be converted to the Russian Federation and rubles will be issued, but the exchange is made at the internal rate of Western Union (this is an additional source of income for the payment system). For sending, they traditionally provide an identity card and a completed form. The control number issued to the sender must be communicated in any way to the one who will receive the money. It is also easy to do this - according to the passport and the same code.

At the macroeconomic level, the turnover of capital between Russia and the United States has always been relatively small. First, the Soviet “Iron Curtain”, then the complete economic collapse of the 90s, the vague politics of the 2000s, and finally another rollback and isolation – the sanctions that began in 2014. However, the transfer of money from the United States to Russia for small businesses and individuals has remained very relevant since the destruction of the USSR to this day. We are talking about amounts limited by the upper bar somewhere in the 10 thousand "evergreen" (US dollars).

In light of the aforementioned sanctions, the dollar jumped against the ruble at first almost three times, and now (mid-2016) has so far hovered at the two-fold mark. The appreciation of the dollar led to an increase in bank transfers. Basically, people sought to transfer their savings in dollars from the United States to Russia, where they could cash them out in rubles. However, very quickly the rise in the price of the dollar (which, by the way, is directly related to the fall in oil prices) led to a catastrophic increase in prices for Russian market(especially consumer).

But for the purposes of this article, what is more important is that the sanctions have made the dollar not only expensive, but also inaccessible (and sometimes even inaccessible) for the vast, overwhelming majority of Russian citizens. Russians can pay for purchases in American online stores even more or less without interference. Or transfer money to the States for the provision of certain services. But getting money from there for the Russians is becoming more and more problematic. Worst of all, there are fewer and fewer legal ways. And the power elite of this country once again creates the need for shadow methods. You should consider all the remaining legal ways in order. And identify the pros and cons of each.

Bank transfer and commission for it

This requires that the sending bank in the US and the receiving bank in Russia support the service of transnational transfers. Most transfers from distant America come to Sberbank. Sberbank, like a number of other major Russian banks, is still working in the field of transferring money from one country to another. Sberbank carries out not only cashing out, but also keeping the client's money in his account. So, in order to implement transfers, it is necessary that the client has a personal account with Sberbank (another bank). And it is very desirable that it be a card, i.e., be tied to a bank card. In order to transfer money from an American bank to a Russian bank, you must submit an application. The presence of an unblocked account is automatically implied. You should be aware that in 90% of all transnational bank transfers, in addition to the sending bank and the receiving bank, there is a third party - a correspondent bank.

This is a third party in the transaction, an intermediate link, a staging post for money. Sberbank, Gazprombank and other major players banking market work with intercontinental money transfers only with the participation of such third parties. Sometimes a correspondent bank is really needed, otherwise the money may be lost along the way. And sometimes it's just a way to cut extra money from the client in the form of a commission that all banks charge without exception. Sometimes there can be two or three correspondent banks. Then the already solid total commission increases incredibly. This is the main disadvantage of bank transfers. And in general, almost all the remaining legal ways to transfer money from the United States to Russia. Using a bank transfer, the client, making a transfer of $ 100, will receive $ 65 in his hands. Moreover, the commissions are such that it makes no sense to send less than $ 500 in this way. Here are the approximate commissions of each participant in the transaction (at the beginning of 2016):

• the sending bank charges at least 2% of the transferred amount and in any case not less than 60 dollars;
• the correspondent bank (BC) will write off at least $20 from the transferred amount in its favor;
• with the recipient bank there are options. If the money is kept in an electronic account, then no deductions occur. However, if the client wishes to receive them crispy ruble bills(which is obvious for most small money transfers), then the bank will take from 0.5% to 2% of the amount for this procedure.

The problem of addresses and details

So, if a client transferred $3,000 from the States to the Russian Federation with minimal costs (one BC, minimal commissions of end banks), then he will lose “only” $60. At the maximum of the declared amount, you can lose up to $ 170. The second disadvantage is the relative duration of bank transnational transfers (the money will arrive in a week or so). The third drawback is a large amount of technical and legal information, in which not a single, even a tiny mistake is allowed. What is this information? First, bank details. Well, it's easy to get your recipient bank details. As a rule, a piece of paper with these data is issued to a bank client along with his new bank card. Or you can always visit a bank branch, where, at the first request of the client, he will be given a receipt with details.

There are branches of the same Sberbank in almost any city in the Russian Federation. So get the details big bank not a problem. Another thing is that many ignorant clients confuse something in these details. It must be remembered that the bank details reflect information not only about the organization itself, but also about the account of its client.

The most common mistake- this is an indication in the column of the client's current account of the number of his bank card. It should be remembered that the account and the card number are two different things.

Secondly, you need to know the details of the sending bank. They can be found out either through the receiving bank (but this will not be as fast as with its own details), or from the one who will send money to the client from the USA. Unless the client sends them to himself, simply by transferring his funds from one country to another. Then it is automatically considered that the client must know the details of the bank whose services he uses. But that is not all. You will need to find out the details of all correspondent banks, and also have the following form recorded somewhere (bank names, addresses and technical information are entered for example):

Intermediary (correspondent bank)	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary's Bank SWIFT
Beneficiary's Bank Account
Beneficiary Bank (beneficiary bank)	Sberbank of Russia
Beneficiary's Bank Address (address of the beneficiary bank)
Beneficiary's Bank-SWIFT	Information from bank employees
Beneficiary (client's personal data)	Full name (in the form of transliteration, but about it below)
Beneficiary's Account (customer account)	It is the personal bank account of the client, and not the number of his bank card
	Here you must specify either material assistance or current expenses (Own/fundstransfer)

SWIFT is an international, interbank system that is used to transfer information between banks and make interbank payments. Each bank has its own SWIFT address.

Problem with transliteration

Finally, thirdly, there are errors in the spelling of the full name of the recipient of money due to the use of international Latin transliteration. The fact is that in the application for the transfer of funds from America to Russia, the full name of the recipient cannot be written in Russian letters, since the sending bank is American. The international standard in Latin is used. Most of the letters have a quite obvious correspondence. For example, "G" - "G" or "A" - "A". The transliteration of the Russian and Latin alphabets according to Western Union is almost always used.

Western Union is a large American company with almost a century of experience, specializing today in financial intermediation.

Western Union standards are used by almost all banks in the world. Therefore, the use of the universal Latin alphabet, which Western Union uses, is also relevant in Russian recipient banks, including Sberbank. But, as already mentioned, errors occur in the spelling of non-English names and surnames. Here it should be noted those Russian letters that are most often incorrectly expressed in the Latin alphabet when writing bank documents. Below is a table of the correct expression of Russian letters through the Latin alphabet:

It must be remembered that if at least one Latin letter in the F.I.O. is incorrect, that is, it does not match the recipient’s passport F.I.O., the latter will not be able to receive his money from the accepting bank. You will have to contact the American sender so that he confirms the identity of the recipient and corrects his personal data in the application for sending. In general, the slightest oversight in the transfer of data for a money transfer can lead to the loss of money. Sometimes irreplaceable. It happens that a client who had some savings in America arranges their transfer to Russia. And he makes some seemingly tiny mistake. I messed up one number. Or instead of "Yo" indicated "E". And upon arrival back in the Russian Federation, he discovers that his account with the recipient bank is empty. To prevent this from happening, it is necessary to observe an extreme degree of care. For example, here is a standard chain through which money from America will get to Russia:

• American sending bank;
• intermediate link (correspondent bank);
• central branch of Sberbank in Moscow;
• regional branch of Sberbank;
• a specific branch of Sberbank in the locality where the final recipient lives.

As you can see, although a bank transfer has a certain reliability, it is far from always convenient. Before the sanctions, some Russian banks had their branches in the United States. This would be a great option, since the money would be transferred without commissions and quickly enough. After all, transfers would be considered transactions within the same banking network. However, today nothing is known for certain about the American representative offices of Russian banks. There are many payment organizations and electronic systems through which you can still send money. However, of course, there are pitfalls here as well.

PayPal

This large debit payment system is very popular with Americans, but it is of little use to Russians. Through PayPal, residents of the Russian Federation can only pay for foreign services, but it is impossible to transfer money from abroad to Russia. Any such payment will “freeze” in the pending status for weeks or even months, after which the payment will be canceled. Without any comments.

WebMoney

Until recently, this was a really good way to transfer money from the US to Russia. A significant plus was a very low commission of 0.8%. However, a few years ago Accounts WebMoney stopped supporting American bank cards. That is, from them it was impossible to replenish your wallet in this system. Only Europe and Canada remained. And since the beginning of 2016, a catastrophic mess and chaos associated with the financial policy of the Russian government has been going on on WebMoney. Not like some foreign transfers - it became impossible to transfer money to most Russian exchangers or by bank transfer. For example, there are still problems with sending money to a Russian QIWI wallet.

Western Union

It has already been discussed above. In principle, this sending option is the fastest (through this system, transnational transfers can be made in a maximum of 10 minutes) and very reliable. But the payoff for speed and reliability is, without exaggeration, extortionate commissions. For a better understanding, it is worth giving a table with the Western Union price list:

Amount sent from the USA, $	Commission for instant transfer, $	Commission for standard Western Union transfer, $	Commission in percent

If there is such a table, it becomes clear that within Western Union it is more or less profitable to send amounts up to $200. Large amounts lead to very high commission costs. The application for a transfer within Western Union must also indicate that the payment is material assistance. And the sender must know how exactly the recipient's full name is spelled in transliteration. It is best to send personal information to the sender in this way:

• first name: Alexander (name - Alexander);
• middle name: Alexandrovich (patronymic - Aleksandrovich);
• last name: Sidorov (surname - Sidorov).

It must be remembered that not all Russian banks work in the Western Union system. Western Union services are supported by: Alfa-Bank, Gazprombank, Bank of Moscow, KMB-BANK, Absolut Bank, Vozrozhdenie Bank, MDM-Bank, Vostochny Express, Baltic Bank, Prominvestbank, VTB 24, VBRR, Bank 24. ru, Baltinvestbank. By the way, the exchange of dollars for rubles will be carried out at the internal rate of Western Union (an additional source of income for the company). Individuals can use another payment system similar in type to Western Union - this is MoneyGram ("Manigram"). She has one plus over the competitor. Moneygram cooperates with Sberbank, whose clientele is estimated at millions of Russians.

Bank cards VISA/MasterCard

"WebMoney" and "Yandex.Money" do not serve bank cards issued in the United States. However, you can be smarter. The sender simply draws up an American bank card. After that, it is sent by mail to the Russian recipient. And through banking system The USA replenishes the card account. And the recipient simply cashes this money from the card in Russia. Commissions here are minimal, and money is unlikely to be lost anywhere.

As transnational translations become more and more relevant these days, articles like this one will be in demand. They list the remaining options for the transfer of microfinance between countries and seek solutions to new problems in the field of remittances.

To another. The bank commission is usually 1%. To do this, you and the recipient need to have one payment system (for example, Visa). The transfer can be made at the bank branch of your card issuing bank or through an online payment system, if supported by your bank. If the recipient is a legal entity, for example, you pay for the purchase on the Internet, then the money transfer is carried out directly on the store's website. Although not all American stores work with foreign credit cards.

The most common way to transfer between individuals is through the Moneygram and Western Union fast transfers. These companies have a wide network of dealers around the world, thanks to which you can receive your money within 10 minutes after departure, even if the distance between you is huge. You will have to pay a fee for transferring funds. Usually it is about 5-10%. You can also send a free message up to 10 words with a translation.

In order to make a transfer through WU or MG, you need to do the following. Come to the office of one of the transfer systems or to a bank authorized to receive and send money on behalf of these systems. Indicate to the cashier information about the recipient (name, surname, patronymic, city and country where he will collect the money) and provide information about yourself in the form of an identity document. Give the cashier the money you want to transfer and pay the transfer fee. Get a special payment number with which you can track the transfer (in the WU system it is called the Money Transfer Control Number, in Moneygram it is the Reference Number).

Next, you need to notify the recipient that money has been sent to his name through a specific payment system. You can tell him the payment number, but this is not a prerequisite for receiving money. After 10-15 minutes, the recipient can pick up the transferred funds at the branch of the company, presenting an identity document.

You can also transfer money by ordinary bank transfer, it takes longer, but cheaper. To do this, you need to inform the bank:
- surname and name of the recipient;
- the amount of your transfer and the currency in which you will transfer funds;
- details of the account from which the money will be transferred;
- details of the beneficiary's account (number, bank details);
- type of transfer (urgent - 1 day, regular - 3 banking days).

Discuss in advance with the recipient who will pay for the transfer. You can take it entirely on yourself, that is, pay the commission of your bank and the recipient's bank (if he takes money for this service), or pay only your part. Usually banks in the Russian Federation take 1% of the transfer amount.

For lovers of electronic money, there is a PayPal option. This system is very common in America. Payment is made through an electronic wallet from a credit card or bank account. It is possible to transfer funds between PayPal members. You can read more about her work here: https://www.paypal.com/ru/cgi-bin/webscr?cmd=_display-approved-signup-co...

Today, the service of transferring funds between countries is an urgent problem for many citizens. In connection with the existing sanctions and possible bans, many are interested in how to transfer money from the USA to Russia in the most profitable way? We have selected some of the most reliable and proven methods

At the moment, you can use only two ways: transfer money to a bank account or use Western Union and MoneyGram payment systems. Some prefer to transfer funds using the Contact PS, but its points are quite difficult to find in America. This is due to the fact that the presented system is not designed for monetary transactions with the United States.

If you need to periodically send money to Russia, then it is better to use the first option - a bank account.

How to transfer money from the USA to Russia to a Sberbank card or account

First of all, you need to contact the bank branch where you need to apply for the operation. You can also use the internet. The main problem that most people have is to name the correct details. So, before filling out the application, you need to make a commission payment:

• The bank from which the funds will be sent. Basically, the commission is equal to two percent, while it is allowed to send money to the United States at least $60.
• Correspondent bank. Sometimes it is possible to avoid the BC commission. And if not, then you will have to pay about $35, provided that the amount for sending is no more than $3000.
• Recipient. The commission will be 2% required in order to cash out the funds. More detailed information is required to be obtained from a bank employee.

In the section where you need to indicate the purpose of the transfer of funds, indicate "material assistance". It is worth noting that there are banking institutions in the USA that do not charge a commission if the money is sent to education (college, institute, etc.). In this case, you will need to indicate the account number of the educational institution.

Similar money transfers from America to Russia imply a total commission of $35. Although, in some situations, it can be more than $ 100. The duration of the transfer will be up to 7 working days.

The second task is to correctly indicate the details of the Sberbank bank and the one from which the money will be sent. The first one is quite easy to get, just go to any Sberbank office and request the required information. The most common mistake senders make is the entry in the “R / accounts” section of the bank card number. This field requires you to enter your bank account.

To find out the details of the sending bank, you can contact the receiving bank or ask the one who will send funds from America. In this case, you must provide the details of all bookmakers. Below is an example for filling (the information indicated on the right is not true, it is given only as an example):

Intermediary (correspondent bank)	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary's Bank SWIFT	BKTRUS33
Beneficiary's Bank Account	04403077
Beneficiary Bank (beneficiary bank)	Sberbank of Russia
Beneficiary's Bank Address (address of the beneficiary bank)
Beneficiary's Bank-SWIFT	Information from bank employees
Beneficiary (client's personal data)	Full name (in the form of transliteration, but more about it below)
Beneficiary's Account (customer account)	It is the personal bank account of the client, and not the number of his bank card
Payment Details	Here you must specify either material assistance or current expenses (Own/fundstransfer)

If at the time of data verification some letter in the full name is indicated incorrectly, then the recipient will not be able to pick up the money transfer. The correct spelling of information about the recipient is quite an important task. After all, then it is very difficult to return the money back, as they go a long way:

• First, the money is sent from the US to the bank.
• They go to BC.
• Then they are transferred to the central office of Sberbank in Moscow.
• Then to the regional branch of Sberbank.
• And only then are they at their destination.

Revolut

Download the Revolut apps from the Android or iOS app stores. After registering in it, you can issue a British bank card through which you can conduct transactions in dollars, pounds and euros. You can limit yourself to an Internet card for transfers to plastic and pay for purchases on the Internet, or you can order a plastic one - it will take about 15-20 days to Russia. On it you can receive funds from the USA, withdraw cash from an ATM or transfer to accounts in Russian banks.

With Western Union, moneygram,RIA

This is the fastest and easiest, but costly way to transfer money to Russia from the USA. For example, you are going to transfer $ 1000, then the commission can be up to 12.8%. However, there is one problem that concerns any money transfers between the countries represented. This is a transliteration.

The fees for transfers of this type are similar for both organizations and depend on the speed with which you want the recipient to receive funds, as well as the amounts. The approximate commission for transferring $500 and receiving by the addressee in a few minutes is about $50, if the term takes several days, the commission will be $25. On the company's website and at transfer points, you can calculate the commission using a specialist or an online calculator. RIA is a less popular but more profitable service in terms of commissions, for sending $500 you will need to pay about $8 commission.

With a bank card

It is worth noting that electronic wallets, for example, WebMoney and Yandex.Money, do not cooperate with US banks. Some use a different method. The sender must issue an American card and send it via mail to the recipient in Russia. Then he can deposit funds to this card using banking institutions in America, and the recipient can easily withdraw money through any ATM. In this case, the commission will be minimal, that is, it is most profitable to use this particular method. Now you know how to transfer money from America to Russia.

The transfer fee

1 Transactions on transfers in Australian dollars are temporarily not carried out due to the lack of performance guarantees by the Australian correspondent bank.

2 individuals who are citizens Russian Federation, with the exception of citizens of the Russian Federation permanently residing in a foreign state for at least one year, including those with a residence permit issued by the authorized state body of the relevant foreign state, or temporarily staying in a foreign state for at least one year on the basis of a work visa or study visa with valid for at least one year or based on a combination of such visas with a total validity of at least one year; persons permanently residing in the Russian Federation on the basis of a residence permit provided for by the legislation of the Russian Federation, foreign citizens and stateless persons

3 The possibility of paying the transfer in cash at the receiving bank must first be clarified independently

Information about transfers from abroad to Sberbank can be found at the link

• Procedure and conditions for cash transfers in foreign currency

1. Contact the Sberbank branch. You will need:
   - Identification document (passport)
   - Beneficiary's account number (20 digits) and his surname, first name (patronymic, if available) in Latin letters
   - Requisites of the beneficiary bank (SWIFT code of the bank*, name of the bank, city and country of its location)
   - When translating Russian rubles in foreign bank who does not have a correspondent account in PJSC Sberbank, it is additionally required to provide the BIC code of the Russian intermediary bank, the number of the correspondent account of the beneficiary's bank in the Russian intermediary bank.
2. Provide the employee with the necessary data for processing the transfer.
3. Enter the amount of the transfer and the amount of the commission to the cash desk of Sberbank.

* For transfers from abroad to Sberbank, it is enough to use Sberbank's unified SWIFT code (SABRRUMM).

However, if the payment of the transfer must be made in cash, it is recommended to indicate the SWIFT code of the Sberbank branch and the number of the branch where you plan to receive the transfer.

The list of SWIFT codes of Sberbank branches for transfers from abroad can be found