Transfer money to another city without commission. Where is the best place to make a money transfer? What is the best and cheaper way to transfer money within Russia? Transfer between bank cards

If it doesn't really burn
Until recently, Russians used postal services to transfer money. However, this translation method is not very convenient. Firstly, postal or telegraphic money transfer within the CIS costs 8-20% of the amount (depending on the country of receipt). Secondly, they are “slow”: a telegraphic transfer takes 1-2 days across Russia, and a postal transfer generally takes 1-2 weeks. If you send money abroad, the money will reach the recipient in about a month. Thirdly, to send and receive a postal transfer, you must indicate the recipient’s passport details. And finally, the last reason is the unfavorable exchange rate: the domestic post office accepts money only in domestic currency. To top it all off, there are restrictions on the amount you can transfer: the maximum is the equivalent of $300. It is no wonder that over the past 5 years the number of Russians wishing to use the services of their post office to transfer money has decreased significantly.

For some time, bank transfers served as an alternative to postal transfers. But this type of money transfer is also associated with inconvenience for citizens. Despite the relative cheapness of this method (1-4% of the amount plus the receiving bank's commission for cashing out or a fixed rate of $30), it is not very fast: a standard bank transfer takes 1-14 days. In addition, to make a bank transfer, you will have to open a current foreign currency account and fill out a payment order indicating the exact bank details of the recipient's bank and the recipient's account details in this bank. Thus, bank transfers remain primarily a service for corporate clients.

And if you don't want to wait
In world practice, individuals rarely resort to the services of the post office or bank to transfer money to other cities or abroad. Especially if it is not possible to wait weeks for money. To quickly and easily (from the point of view of paperwork) send funds, so-called “instant transfer” systems are used. Their name is justified, since a person can receive money at any point of these systems in any country in the world within 10-15 minutes after the money was sent. Today, the most famous money transfer system is Western Union, which over 10 years of operation in the domestic market has established itself as a reliable company that can be safely trusted with money transfers.

In Russia, companies providing instant money transfer services operate through points of partner banks. Finding such points is not difficult: for example, Western Union services are provided in more than 1,500 bank branches. Abroad, you can send and receive money, in addition to banks, at exchange offices, shops, even gas stations, i.e. in any enterprise that has the appropriate license and logo of the instant transfer system.

It is noteworthy that the bank or any other Western Union partner does not charge any additional fee for transferring or cashing out funds. That is, the sender pays a uniform tariff for the system, but nothing is charged from the recipient. Along with the transfer, it is also suggested to send the recipient a telegram, notify him by phone, or deliver a check to his home.

How to send
When making a transfer, you must present a document confirming the legal origin of the funds (a certificate from the exchanger will do) and your own passport. Next, you need to fill out an application, come up with a security question, and also state the purpose of the transfer.

However, if you intend to send more than $2 thousand per day (which is a violation of current legislation), and also if the money is intended for business activities or the purchase of real estate, then you will be refused. On the other hand, it is impossible to control where the recipient will spend the funds received. So, if your relatives don’t get tired of running to the sending and receiving point every day with $2 thousand, then you can buy real estate abroad. Let's say, to buy a mid-range house for $300 thousand, you will have to receive $2 thousand within 5 months. But domestic tax authorities will not press you.

How to get
The first step is to call the sender and find out the transfer number and the answer to the security question - this is your password for receiving money. In addition, the operator will definitely ask you if you know the full name of the sender and his phone number. Since in Europe up to $400 is issued without presenting an ID, the operator will ask you a security question. To receive amounts over $400, a passport is required.

As a rule, the transfer is issued in the sending currency. But don’t be surprised if you are given funds not in cash, but, for example, in traveler’s checks. It’s just that sometimes operators may not have enough of the sender’s currency. If desired, the transfer can also be received in the currency of the country where you receive it.

And finally: what to choose?
In principle, there are now several fast money transfer systems on the market, among which Western Union and MoneyGram stand out. The reliability of these systems is almost the same, but MoneyGram has less experience in the global and Russian markets. Western Union has been engaged in money transfers for more than 130 years and during all these years there have been no incidents.

There are still three essential criteria for translation quality - speed, translation price and convenience. Translate
money via Western Union is a matter of just a few minutes; you can receive money almost immediately after it is sent. Western Union services are slightly more expensive than MoneyGram. However, when transferring up to $100 and large amounts from $1.2 thousand, WU services are cheaper.

As for convenience, Russian bankers recommend using the services of Western Union. This company has 120 thousand points for sending and receiving cash in more than 190 countries and territories of the world, and MoneyGram has almost half as many - about 50 thousand points in 160 countries. In addition, Western Union is the leader in the number of points in Russia - 1.5 thousand points (of which 280 are in Moscow), and the total number of points in the CIS countries exceeds 4,500.

As specialists from the marketing department of Western Union said, the company has been operating on the Russian market for 10 years, but the active growth of population demand for this service began only during the last five years. Obviously, our citizens, following the rest of the world, did not immediately, but still appreciated its efficiency and convenience. And just traveling around the world and spending more on trips.

Quite often situations arise when a person needs to transfer funds to a recipient in another city in Russia. There are several ways to do this. Postal and traditional bank transfers should not be considered, as their speed leaves much to be desired.

The bank offers instant transfers to cities where there are branches of Sberbank or its subsidiaries. You can find out more information from employees of the financial institution or on the official website.

The maximum transaction amount cannot exceed 500,000 rubles. The commission for using the service is 1.5%. Additional terms and conditions for transfer:

duration – up to 10 minutes;
commission size – from 150 to 1000 rubles;
currency - rubles;
free options - notifying the client about the transaction status via SMS;
There is an opportunity to revoke a transfer (the cost of the service is 150 rubles).

Clients are required to provide passport information. This method allows you to carry out transactions without opening an account.

If you need to send money to a Sberbank card, then you can use:

Internet banking;
mobile application;
mobile banking service (number 900).

So, when transacting using any of the three methods listed above, the money will be credited to your account instantly. The commission for using the service is 1%. If funds are transferred from a card to an account, the period for their receipt increases to a day, and the commission varies between 1-1.5%. To receive funds in cash according to the standard scheme, the client will have to wait up to 2 days.

The use of instant transfer services has long become a common procedure for millions of Russians. Of course, instant services are not suitable for transactions of large amounts, since most of them set limits.

At the same time, before quickly transferring money to another city, you need to carefully read the tariff schedule. For example, the Western Union service offers high rates, although it has an impeccable reputation in the international market and many branches around the world.

Unistream is an international payment service that operates in more than 100 countries around the world. The system offers clients two types of transactions:

address;
addressless.

The difference between the methods of sending and receiving funds is the need to select specific branches of the company.

For example, when choosing an addressless method of sending money, you should indicate the cities, amount and contact information of both parties. The cost of the service in Russia is 1.5%. At the same time, the service offers you to get acquainted with the Unistream branches that are in the city of the sender and recipient.

There are more than 1,200 payment service branches in Moscow, and in large cities of the Russian Federation, as a rule, their number exceeds several hundred.

The Zolotaya Korona system has an extensive network of branches, the number of which reaches 50 thousand. The service offers transactions worth up to $5 thousand per day within the country. In Russia, the transaction fee will cost the user 1%, regardless of the amount and direction of the transfer. The maximum commission is 1000 rubles.

Most outdated sources position instant money transfer systems as expensive. In fact, modern services offer competitive rates and maximum speed of customer service.

At the same time, everyone wants the funds to be available to the recipient as quickly as possible, the transaction to be completed safely and with a minimum commission. Naturally, Sberbank, as one of the leaders in the national financial sector, could not ignore the demand for such a service and included it in its range. Many people (not just actual clients) choose this particular organization because it has the largest number of branches in the country, and yes, the size of the commissions is very attractive. There are several options. Let's look at the nuances.

How to transfer money to another city through Sberbank instantly

If the recipient needs funds as soon as possible, you can use the “BLITZ” service. Main characteristics of expedited transfers:

limit on amount: 500,000 rub./5,000 $;
funds are available in 15-60 minutes;
the commission size is 1.5-1.75%, but additional limits are set: min 150 RUR (5 $/€), max 3000 RUR (100 $/€).

The sender must contact any of the branches of Sberbank of Russia. Have money, a passport, preferably a TIN, as well as the recipient of the funds with you. After filling out the application and transferring the required amount, the cashier issues a receipt containing the transfer control number. You can pick up money at any of the branches, but the recipient must present an identification document and also correctly indicate the digital code.

For Sberbank online@yn users

The task is greatly simplified if both parties (sender-recipient) are actual clients of a given banking institution. Using your personal Internet account, the operation can be completed in 5 minutes and for free. There is no need to go anywhere. It is enough to have the required amount of money in your account and know the recipient’s account/card number. The procedure is as follows:

select the option “make a money transfer”,
fill in all the required lines,
enter the SMS code.

Regular cash transfer at Sberbank

If there is no need for special haste, then you can transfer money using the standard method, which is characterized by the following parameters:

no restrictions on the amount;
currency – RUR only;
translation time – up to 2 days;
commission size 1.75%, additional limits: from 50 RUR to 2000 RUR.

To transfer funds, the sender must present his own passport and provide the recipient’s details.

If money is credited to a Sberbank card or account, then no commission is charged, and the transfer period is reduced to 24 hours.

Often there is a need to send money to a person living in another city or region. A personal meeting will entail many unexpected and unreasonable expenses. In this case, the best option is a bank transfer, which will help get rid of financial and time costs. For the owner of a Sberbank PJSC plastic card, there are different ways to transfer money to another city. Which one is the most profitable, without paying commissions and other additional payments?

Methods of transferring to a Sberbank card of another region and possible commissions

There are 5 ways to transfer money using a bank card:

By personal appearance at a bank branch;
Through the Sberbank Online desktop application;
Through the Sberbank mobile application;
Using the SMS service “Mobile Bank”;
Transfer money through an ATM or information kiosk.

Important! Funds can be sent both in Russian rubles and in foreign currency.

Way	Purpose	In Russian rubles	In foreign currency
Through a bank branch	to your card account	for free	+
		+	+
		1,5% minimum 30 rubles maximum 1000 rubles	0.5% of the amount, maximum $100
	to a credit card	+	-
Remote service channels	to your card account	+	+
	to a card issued at your bank branch or another city branch from list 1	+	+
	to a debit card issued in another city	1% maximum 1000 rubles	-
	to a credit card	+	-

+ means the provision of services is free and without commission

- the service is not provided

ADVICE! Based on the above, if you urgently need to send a significant amount to another city, it is most profitable to transfer the money to a credit card. If this option is not possible, you should transfer the amount in dollars or euros through a bank branch - then the commission will be only 0.5 percent. If it is important to send Russian rubles, choose online or mobile services, the commission will be 1%. The most uneconomical choice of a Sberbank client is to apply for a transfer of rubles to a bank cashier, because you will have to pay an additional 1.5 percent to the bank.

You should also remember that the terms of service for credit cards do not provide for the possibility of transferring money from a credit card to a debit card. And the Sberbank commission when withdrawing cash from a credit card through an ATM is 3% of the amount, but not less than 390 rubles. Withdrawal through the cash register is even higher - 4%.

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

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

Money transfer systems

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

There are three types of translations:

from card to card
from the card to the cash point
from cash branch to cash point

How to choose a translation system?

By commission size
According to the proximity of the issuing points to the recipient’s place of residence
By the number of branches in a particular country
By speed of international transfer
By fame, reputation and reliability

A giant network with a wide geography and 140-year history, which covers more than 200 countries. Convenient and most reliable solution for international transfers. Currency conversion is carried out instantly at the current rate.

No. 2. gold Crown

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

No. 3. Unistream

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

No. 4. Leader

Network from Alfa Bank, which is most often used by Alfa cardholders. With a convenient online service for quick transfers. You can create a special “Leader” wallet or use the Leomoney electronic payment service.

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

Bank cards

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

Sberbank

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

Alfa Bank

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

Tinkoff

Revolutionary bank: no branches, no own ATMs, with the ability to withdraw cash from any ATM in the world! It is quickly gaining popularity in Russia and already has more than 4 million customers. You can transfer money from a Tinkoff card to a Tinkoff card without commission, even if the transfer is international.

Internet money

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

WebMoney

Large international system with increased security and wallet protection. You can top up your wallet in a variety of ways: from a payment terminal to Russian Post.

Convenient “dollar” network, often used for sending money to the USA.

Yandex money

The Russian electronic money system, clear and simple, is well suited for use within the country.

This wallet number is a mobile phone number. It is very easy to create a wallet and use it. There are a large number of branded QIWI payment terminals in Russia.

Electronic wallet Fee for transfer to wallet Fee for withdrawing money from wallet Transfer speed Ease of use from a bank card online from 0% through a payment terminal 1% in Internet banking 2.5% from a mobile account 5.95-12.5% at Euroset and Svyaznoy cash desks from 2% at a bank branch 1-7% at a WebMoney point 0-4 %P.S. Since the beginning of 2016, they have been observed (possibly temporary). 2% -2.5% to a bank card from 30 minutes to 3 days depending on the method 5 out of 10 from a bank card 1% from a mobile account 7.86% from a Sberbank card 0% to a Yandex-money card - 3% of the amount + 15 rubles. to another card – 3% of the amount + 45 rubles. (at least 100 rub.) instantly 10 out of 10 2% instantly 10 out of 10 0% 48 hours 6 out of 10

from a bank card – 0% (from RUB 3,000) at an ATM, via Internet banking, at partner offices – 0% in QIWI terminals – 0% (from RUB 501)
in other terminals – 0% (when paying in cash) from mobile – from 0% to 9.9%

3.9% on average + commission for currency conversion

But in general

I hope that the article was useful to you and that you have chosen the appropriate method of transferring money for you and your clients!

In fact, it can be very difficult to create a wallet in an emergency and try to set it up “on the run” when you urgently need to receive payment. Thus, several proposals for cooperation fell through until I brought all my financial instruments into full order and compliance. Learn from my mistakes...

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