What do you need to get the Golden Crown translation? In which banks can you receive a Golden Crown transfer? Transfer money from one bank card to another

According to the analytical department of the Exchange Leader magazine, the most popular among Russians are money transfers from the Zolotaya Korona and Western Union systems. The instant transfer service “Zolotaya Korona – Money Transfers” has been operating since 2003 and is a member of the Center for Financial Technologies group of companies. This system allows you to transfer funds in rubles, US dollars or euros (both within Russia and abroad). The article discusses in detail the process of receiving Zolotaya Korona money transfers, where to withdraw money most conveniently and quickly.

Zolotaya Korona transfers are addressless. They do not require a specific destination, so you can receive money at any point of issue. When transferring, the sender indicates only the country and city. To receive a transfer of funds via the Zolotaya Korona system, the recipient only needs to choose a convenient office. When visiting in person you must show:

1. Personal identification document (this may be a passport or other document that complies with the legal requirements of the country where you plan to receive the transfer);
2. SMS message with a unique Golden Crown transfer number.

The SMS notification service operates automatically. After the transfer operation is completed, it notifies the addresses that money has been transferred to their name. The message contains a nine-digit digital transfer identification code and a contact phone number. It will be useful for clarifying information about possible pick-up points.

The official resource “Zolotaya Korona – Money Transfers” allows you to check online the status of the transaction execution using the identifier from the SMS notification. The service makes it possible to search without requesting any additional data other than the number. For ease of use, you can enter a limited number of digits in the field to indicate the transfer number, which will help to avoid errors.

The storage period for Zolotaya Korona translations does not exceed 3 years. At the end of this period, the sender has the right to contact the organization through which he made the transfer.

Since money transfers through the Zolotaya Korona service are not addressed to a specific point of issue, you can receive funds by contacting any branch. The transfer system has about 40 thousand service points in Russia, countries that are part of the CIS, near and far abroad.

You can remove the Golden Crown transfer in one of the following ways:

• use the offices of partner banks working with the service (the list is quite large: Fia-Bank, Sovcombank, OTP Bank, BINBANK, MDM Bank, AK BARS Bank, ROSGOSSTRAKH BANK and many others);
• use the “Kukuruza” card of the MasterCard payment system. You can apply for a plastic card at any of the Euroset stores.

The most up-to-date and complete information about transfer issuance points, contact details and service mode can be obtained by using the official Zolotaya Korona resource. The site provides the ability to view a list of translation issuing offices and their territorial location with reference to the location using the Yandex.Maps service.

For the recipient of the transfer, the services of the Zolotaya Korona service are free. The fee for transferring funds is always paid by the sender. The amount of the commission directly depends on:

• places of departure and issue of funds;
• the amount of the transferred amount.

The fee for carrying out a transfer operation is quite attractive and amounts to no more than 0.5-1.5%. For some countries, there is a maximum threshold for the amount of the commission fee (from 750 rubles/25 $/25 € to 1000 rubles/30 $/30 €).

The commission amounts for sending a transfer are shown in the table:

The stated commission may vary. It all depends on the conditions of a particular partner bank or retailer (trade network). It is better to check with the specific point of departure.

There are some restrictions for money transfers using the Zolotaya Korona system:

• upper limits regarding the one-time transfer amount. For example, on the territory of the Russian Federation you can transfer no more than 600,000 rubles / 20,000 $ / 15,000 €;
• limit on the frequency of transfers (for example, per day, one banking day, etc.). For example, when transferring from Russia abroad, the limit on the amount of transfer operations is $5,000 during one banking day, to China – no more than $20,000;
• in Turkey, an amount of no more than $10,000 can be issued.

Greetings! Surely you sent money to someone in another city or abroad. It’s easier with Russia: today almost every Russian has a Sberbank card. And in a couple of minutes you can transfer money through Sberbank Online.

What if the sender does not have the recipient's bank details? Or the card itself?

It is even more difficult to transfer money abroad. Although it is considered a super-reliable method, it will cost a pretty penny. And not everyone has Yandex.Money.

So it turns out that the most convenient option for many remains the good old money transfer systems. And today I want to write about one of the most popular: “Golden Crown – Money Transfers”.

So, what are the advantages of this payment system, and how to send a “Golden Crown” transfer?

“Golden Crown” is one of the “oldest” and most extensive money transfer systems in Russia. Money can be sent anywhere in the world through one of 49,000 points. ZK has been represented on the Russian market since 2003.

From Russia, transfers are possible to Belarus, Kazakhstan, Azerbaijan, Georgia, Great Britain, Egypt, Israel, Turkey, China and more. Today, Zolotaya Korona money transfers are available in 32 countries around the world.

Since October last year, transfers from Russia to Ukraine have not been carried out. By the way, the services of Zolotaya Korona are prohibited not only in Ukraine. In October 2012, the Central Bank of Armenia stopped operating the service in Armenia. In addition, ZK transfers are not available in Sevastopol and Crimea.

A few figures for 2016.

1. Using the Zolotaya Korona service, individuals made about 34 million transactions totaling 745 billion rubles
2. Compared to 2015, the increase in turnover was 12%
3. 66 credit institutions from Russia, Georgia, Azerbaijan, Moldova and Tajikistan became participants in the service
4. The participating countries were joined by Italy, Spain, France, Belgium, Austria, Romania, Vietnam, Egypt, Jordan and the UAE
5. Since last year, Zolotaya Korona has been providing an online transfer service. Money from a bank card can be transferred via the website or using mobile applications on iOS and Android (with cash withdrawal)
6. In February 2017, Zolotaya Korona was recognized as a significant payment system in Kazakhstan. In the register of payment systems on the official website of the National Bank of the Republic of Kazakhstan, “Zolotaya Korona” became one of three with the status “significant”

Why "Golden Crown"?

• Fast

The money is available to the recipient immediately after sending the transfer.

• In different currencies

You can pay for the transfer only in Russian rubles. But other currencies are also available to the recipient abroad.

For example, in Azerbaijan you can receive money in rubles, US dollars, euros and Azerbaijani manats. There are three currencies available in Kazakhstan plus the tenge.

Note! The set of currencies also depends on the policy of a particular bank. For example, Binbank works with three main currencies: ruble, dollar and euro.

• Addressless

To transfer money using Zolotaya Korona, you do not need to open a bank account. You can receive a translation wherever it is closer and more convenient.

Why are transfers addressless? Because each of them is assigned a unique number that only the sender and recipient know.

How and where to send a transfer?

In the bank, in one of the partner networks or directly from home. Let's look at each of the options.

• Via bank branch

The Zolotaya Korona system cooperates with 450 credit institutions in Russia and abroad. The list of partners includes: URALSIB, Sovetsky Bank, MDM Bank, B&N Bank, Rosbank, YUGRA, Far Eastern Bank and others. Most of the partner banks are located in Moscow and St. Petersburg.

Any bank that has entered into a cooperation agreement with the company can accept and issue ZK money transfers.

How to send?

1. Show the operator your passport
2. Provide information about the recipient: full name, country and city of receiving the transfer, phone number and transferred amount. There is no need to indicate the exact address of the recipient
3. You transfer the money to the operator, taking into account the transfer fee
4. You receive a cash receipt and a unique transaction code (the recipient will need it)
5. Some banks also ask you to come up with a security question (the recipient must know the answer)

Additionally, you can activate the SMS notification service (free of charge). An SMS about the status of the transfer will be sent to both the sender’s phone and the recipient’s phone. The service is available for transfers in amounts starting from 2.5 thousand rubles or 50 dollars/euro.

• In the stores of chains that cooperate with Zolotaya Korona

What networks work with ZK? For example, Beeline, Svyaznoy, MTS, KNOW HOW, Maximus and Rostelecom.

Money transfers can also be sent through Euroset. But only on the “Corn” card.

The procedure for sending a transfer through Svyaznoy or another partner network will look the same as in a bank.

• Via the Internet online

Instant transfer from a bank card with cash receipt can be made through: the official website of Zolotaya Korona and the mobile application.

You can send money using a card from the international payment system Visa, MasterCard or Maestro. The transfer will be delivered to the recipient within a few minutes. You can pick it up at any Zolotaya Korona cash point.

How to send?

1. We indicate in the form the currency and direction of the transfer, as well as the amount to be received. The system will calculate the cost of the transfer and offer all possible options in other currencies
2. Click the “Make a transfer” button. Money will be debited from the card in Russian rubles. There may be additional costs for conversion at the rate of the card issuing bank
3. Fill in the recipient's information: full name and phone number. Click the “Specify sender” button
4. Fill in your information. We indicate the phone number in the “Phone” field and confirm it with the code from the SMS message
5. We check all the data and click the “Proceed to payment” button

Restrictions and tariffs

• You can send up to $5,000 or the equivalent in another currency in one calendar day
• For 30 days, the limit is 1 million rubles or the equivalent of this amount
• Within 60 days, the amount of transfers cannot exceed 1.5 million rubles
• Within 90 days – no more than 2 million rubles

The cost of the transfer is always paid by the sender.

The size of the commission depends on the tariffs of a particular bank. As part of marketing campaigns, the price for translation may be reduced.

For example, at the Far Eastern Bank the tariff for money transfers to Azerbaijan and Kazakhstan is now only 0.75% of the amount. The promotional offer is valid until the end of May 2017.

As for the tariffs of the payment system itself, from December 6, 2016 they look like this:

• In favor of the recipient in the Russian Federation: 1%, but not less than 50 rubles and not more than 1000 rubles. For transfers with conversion (for example, when the transfer will be received in dollars), no commission is charged
• Transfer in favor of a recipient outside Russia – 0%

The given tariffs apply to sending a transfer from a bank card on the websites exchange.ru, online.perevod-korona.com and koronapay.com.

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Instant transfers “Zolotaya Korona” is one of the most modern and unique Russian systems of money transfers for individuals. Instant money transfers are carried out without opening an account. The money transfer system - its full name is “Golden Crown - Money Transfers” - was developed by the Center for Financial Technologies (CFT). The instant transfer system is actively developing and promoting throughout Russia, the CIS countries and far abroad. The first money transfer “Zolotaya Korona” through the system was carried out on April 10, 2003.

Logo of the Zolotaya Korona – Money Transfers system

The Zolotaya Korona brand is a patented brand of the national payment system of Russia, which includes the entire range of services in the field of cash and non-cash payments. “Zolotaya Korona – Money transfers” is one of the types of services provided to clients using the Zolotaya Korona brand. Today, the Zolotaya Korona – Money Transfers Brand is popular in many regions of the country and is easily recognizable throughout Russia.

Currently, the instant money transfer system network is represented in the following CIS countries: Abkhazia, Azerbaijan, Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Uzbekistan, Ukraine.

The money transfer system unites 250 banks in Russia and the CIS and large Russian cellular retailers. The total number of points of the Zolotaya Korona - money transfers system exceeds 20,500 points in Russia and the CIS countries. Transfers using the Zolotaya Korona - Money Transfer system are carried out by many Russian banks, including: Orient Express Bank, MDM Bank, Uralsib Bank, Moscow Regional Bank, Spetssetstroybank, Ural Transport Bank , “Asian-Pacific Bank”, “Dalkombank”, “Chelyabinvestbank”, OJSC JSCB “Perminvestbank”, JSCB “ENISEY” (JSC), JSC “Vostokcreditbank”, JSC “Mega Bank”, JSC CB Mordovpromstroybank”, etc. .

In addition to partner banks, which account for the bulk of service points of the Zolotaya Korona - Money Transfers network in Russia and the CIS, large Russian retailers also provide System services: Svyaznoy, Alt Telecom, Euroset and MTS- Retail."

The State Enterprise “Posta Moldovei” (“Moldova Post”) has also joined the “Golden Crown - Money Transfers” system, thanks to which 1,200 post offices in this country will issue its transfers.

To expand the geographic presence of transfer acceptance and issuance points, the CFT Company is actively implementing projects to integrate the “Zolotaya Korona – Money Transfers” system with other similar money transfer systems. Today, 5 integration projects have already been implemented with such money transfer systems as: “MoneyGram” (USA), “PrivatMoney” (Ukraine-Russia), “Caspian Money Transfer” (Azerbaijan) and “AVERS” (Ukraine), express transfers “ FASTER" (Kazakhstan). The cooperation of the systems allowed participating banks to carry out transfers to more than 190 countries around the world.

The “Golden Karona - Money Transfers” system provides the opportunity to make instant money transfers without opening an account in the following currencies:

• In Russian rubles;
• In US dollars;
• In Euro.

• within Russia - 1.5% of the transfer amount
• to CIS countries - from 1.5% to 3% of the transfer amount
• to China - 25 US dollars regardless of the amount transferred

The cost of transfers for individual banks differs from the transfer rates listed above. For example:

• in JSCB "ENISEI" (OJSC) commission for transfers is 2%,
• at Agroprombank the commission for transfers for Tajikistan is 1.75%
• at JSC SKB Primorye "Primsotsbank" tariffs for transfers within Russia - from 0.8%

• transfer speed - the transfer occurs in real time and the issuance of money is possible within 1-15 minutes after it is sent, and transfers sent to Anelik and PrivatMoney system points become available for issuance within 24 hours.
• addressless transfer - when sending a transfer, only the country and city of the recipient are indicated, which allows the recipient to choose the most convenient point of delivery within the specified country. The exception is for transfers sent using the Anelik and Caspian Money Transfer systems - they can only be received at the point of the recipient's bank where the transfer was sent.

• In Russia - 500,000 rubles;
• Abroad - for residents of the Russian Federation - up to 5,000 US dollars (~135,000 rubles);
• Abroad - for non-residents of the Russian Federation - up to 20,000 US dollars.

The philosophy of the CFT company is innovation and sound pragmatism. This philosophy allows the Zolotaya Korona - Money Transfers system to be not only a classic money transfer service, but also to constantly increase the number of innovative solutions. Thus, today a whole range of related innovative solutions has already been implemented:

• The ability to check the status of the translation on-line on the system’s website: after sending the translation, go to the company’s website and follow the “Translation Status” link. Enter the number of the transfer you sent in the window that appears (it is indicated in the transfer form), click the “Check status” button and receive information about the progress of the transfer (for example: “issued”, “ready for issue”, etc.).
• Sending SMS notifications about the status of the transfer.
• Introduction of the “Golden Crown” transfer sender card for regular customers. This card is convenient for systematic transfers (for parents, student children).
• Sending transfers using self-service devices, the so-called “Money Transfer Cashiers”. “Money transfer cash desk” is a specific “Zolotaya Korona” ATM with a cash-in function (Cash-In)
• Identification of the sender using a card and PIN code through POS terminals, without presenting a passport or identification documents for repeated transfers.

• In the traditional way - through bank points;
• In an innovative way - through a self-service device (Money Transfer Cashier).

1. The procedure for sending the transfer "Golden Crown - Money Transfer":
   
   
   1. Come to any service point of the Zolotaya Korona money transfer system;
   2. Present your passport;
   3. State the amount and currency of the transfer, the country and city to which you are sending the money, and the full name of the recipient. From the list, select a bank that is convenient for the recipient.
   4. Check the “Application for Transfer” issued by the operator;
   5. Deposit the transfer amount with commission into the cashier;
   6. Obtain a copy of the transfer form from the operator;
   7. Inform the Recipient of the transfer number and address of the point of issue.


2. The procedure for receiving the transfer "Golden Crown - Money Transfer":
   
   
   1. Contact the Bank at the address provided to you by the Sender;
   2. Inform the operator that a money transfer has been made in your name through the Zolotaya Korona - Money Transfers service. State the number, amount and currency of the transfer;
   3. Present your passport and fill out an application for a transfer;
   4. Receive money from the cash register if the requirements of clause 3 are met.


3. The bank issuing a transfer is subject to the requirement for simultaneous compliance with two conditions for issuance, namely:
   
   
   • coincidence of the recipient's last name, first name, patronymic in the identification document presented by him with the data specified in the electronic bank order;
   • matching unique transfer number.

The Zolotaya Korona service allows you to make money transfers without opening any bank accounts through a wide network of points located in the following countries: Belarus, Abkhazia, Greece, Azerbaijan, Belgium, Israel, Bulgaria, Georgia, Spain, Kazakhstan, Italy, China, Latvia , Kyrgyzstan, Moldova, Russia, Turkey, Nepal, Mongolia, Ukraine, Uzbekistan, Czech Republic and France.

The largest city in the Russian Federation is Moscow, so it is obvious that many people are interested in where to get a Golden Crown transfer in Moscow. To begin with, we note that obtaining funds is quite simple.

You need to come to one of the service points located in your city, in this case in Moscow. You must have your passport with you to prove your identity.

You will also need to provide the transfer number, information about which was received via SMS message to your phone immediately after sending the transfer. This service is available for payments whose size is equal to or exceeds the amount of 2500 rubles or $50.

list of banks for receiving Zolotaya Korona transfers in Moscow

You can receive a transfer at almost every bank, here is a list of just some of them:

• "Yenisei", located on st. 1st Bukhvostova 12/11.
• "MIT-Bank", which is located at lane. 2nd Kotlyakovsky 1, p. 6. The institution is open from Monday to Friday.
• in Euroset branches, which are located all over the city.
• in branches of the Svyaznoy chain of stores, which can be found in every district.
• "Kapitalbank" at Simferopolsky boulevard 19, building 1.
• in the branches of the MTS operator;
• in the office of Beeline representatives;
• Uralsib, at Izmailovsky Boulevard 55.
• Globexbank, located on Novinsky Boulevard, 31.
• "Financial Standard", Orekhovy Boulevard 14, building 3.
• CB "Interkommerts", Petrovsky Boulevard 23.
• "NS Bank" on Warsaw highway, house 152 building 11.
• "SDM-Bank" on Volokolamsk Highway 73.
• "Lanta Bank" Gogol Balvar 23.
• "MOSURALBANK" on Raushskaya embankment 22/2.
• "Maximus" st. Ozernaya house 42.
• "Zerich" Vsevolozhsky lane 2/2.
• "KredPromBank" Zvonarsky lane 7, building 2.3.
• "Rubank" Nakhimovsky Lane 32/2.

And many other bank branches in the city.

Commission charged for transfer

Receiving funds through the international transfer system "Gold Crown" is carried out free of charge, since all commissions and costs of services are paid when filling out an application to send funds.

restrictions on transfers

Please note that in Euroset stores you can receive transfers in cash, the amount of which does not exceed 30 thousand rubles. If the amount still exceeds this value, the funds will be credited to your “Corn” card. To do this, you need to call the toll-free number 88007007710 and confirm the procedure for crediting money to your credit card.

If you do not have a card, then you should contact one of the Euroset salons, taking your passport with you, and ask to issue one. After which you can immediately credit funds to your card.

This procedure will take no more than 5 minutes. It is also necessary to take into account that in this case the transfer must be in Russian rubles and should not be a loan from a microfinance organization. It is also not allowed to withdraw funds from the “Kukuruza” card using the “Interest on Balance” service.

A Zolotaya Korona money transfer can be stored for up to 3 years, after which the sender will have to contact the bank where he sent the funds to return it.