Where to make money transfers without commission. What is the Sberbank commission for money transfer

Transfers made through Sberbank may be subject to a commission. The amount of the commission may depend on many factors. Let us consider in more detail what the commission depends on, and what percentage will have to be paid.

What does the Sberbank commission for money transfer depend on?

The commission can depend on many factors. First of all, this, of course, is the distance of sending a money transfer. So, a transfer to another country will cost much more than a transfer to a neighboring city.

Also, the method of its implementation can affect the cost of the translation. Whether it is an operation through remote self-service tools, or a bank cash desk. Cash or non-cash shipments.

Money transfer fee

The Bank does not provide for a single commission for the execution of money transfers. Therefore, you should consider each possible option for performing a money transfer operation. Therefore, further we will consider such methods as:

• Cashless transfers;
• Cash transfers;
• Transfer to another region;
• Transfer to another country.

Cashless transfers

The commission for a non-cash shipment may depend on the method of transferring money. So the option of transferring from one bank account to another or to a card can be chosen. Depending on the direction of the transfer, the following types of commission are established:

• To the account of a Sberbank client within the same city - 0%;
• To the account of a Sberbank client in another city:

o Through bank branches - 1.5% (not less than 30 rubles and not more than 1000 rubles);

o Through remote self-service services - 1% (no more than 1000 rubles);

• Transfer from card to card by card number:

o Sberbank client within the city - 0%;

o To a Sberbank client outside the city - 1% (no more than 1,000 rubles);

o To a client of another bank - 1.5% (not less than 30 rubles).

Cash transfers

There are two types of cash transfers. One of them is the usual translation. Moreover, such a departure can be sent both to a card, or a bank account, and for cash receipt. And the commissions will look like this:

• The recipient will receive cash - 1.75% (not less than 50 rubles, not more than 2000 rubles);
• The transfer will be credited to the bank account of the Sberbank client:

o In the same city - 0%;

o In another city - 1.75% (but not less than 50 rubles and not more than 2000);

• Crediting funds to the account of a client of another bank - 2% (not less than 50 rubles and not more than 2000 rubles);
• On a Sberbank client card - 1.25% (from 30 rubles to 1000);
• To the card of a client of another bank - the service is not provided;
• Urgent transfer "Hummingbird" - 1.5% (not less than 150 rubles and not more than 1000 rubles).

Transfer to another region

Transferring amounts to another region can also be done in two ways. Both cash transfers and non-cash transfers can be used here. The commission will be the same as when making a transfer to another city. Either a single one, as for transfers by card number or through the Hummingbird transfer.

Transfer to another country

You can send money abroad both in cash and by bank transfer to the recipient's account. In the event that you need to send cash, you will need to choose between 3 types of transfers. These include:

• Urgent international transfer "Hummingbird";
• Urgent international transfer MoneyGram;
• International cash transfer.

When choosing Hummingbird, regardless of the country of the recipient, a commission of 1% will be required for the transaction. At the same time, the upper and lower thresholds of the commission fee are set. So, the minimum amount payable is 150 rubles, 5 dollars or 5 euros. And the maximum threshold is set within 3000 rubles, 100 dollars and 100 euros.

When transferring money abroad using the MoneyGram system, the commission will depend on the country of the recipient, as well as on the amount of the transfer being made. So, when sending money to the CIS countries, Georgia or Israel, the commission will be from 2 dollars to 90 dollars. And when transferring money to countries of the far abroad, an additional payment for the operation can be from 12 dollars to 300 dollars. Cost limits are set for transfers to China transfers from $9 to $80

International cash transfer fees will depend on the currency used to send. So, if the amount is sent in rubles, then the commission will be 2%, but in the range from 50 rubles to 2000 rubles. And when transferring amounts in another currency, the commission will be equal to 1%, but not less than $15 and not more than $200.

Sberbank also provides a cashless international transfer service. With this option, the money will be credited to the addressee's account. And the commission will be 2%, but not less than 50 rubles and not more than 1500 rubles if the amount is sent in rubles. And 1%, but not less than 15 dollars and not more than 200 dollars, if funds are sent in another currency.

Transfer speed

Depending on the chosen method of sending the amount, the speed of receiving money by the addressee may also vary. So, non-cash transfers in Russia will reach the owner within 2 days. And when transferring cash by ordinary transfer, you can count on the fact that the addressee will receive money within 2 days if the amount is issued in cash, and within 1 day if the cash amount is credited to the client's account.

The difference between the Hummingbird translation is that this translation is urgent. This means that the recipient will not have to wait long. He will be able to receive money in 10 minutes.

As for international shipments, their own terms are also set here. So, by sending money through the Hummingbird system, the transfer can be received in an hour. The turnaround time for a MoneyGram transfer is even shorter. Such a transfer can be received in 10 minutes.

A cash international transfer will reach the addressee within 1 business day if the money is credited to his account. And within 2 business days if the amount is paid in cash. But a non-cash international transfer is executed within 2 days.

Factors affecting the speed of money transfer

The speed of funds transfer, in addition to the selected transfer option, can be influenced by many factors. So, for example, when transferring money to an account or card of a third-party bank, the speed of crediting may depend on the recipient's bank. Interbank transfers are currently not processed as quickly. This means there may be delays.

Also, the time of sending money or even a day can affect the speed of receiving money by the recipient. If the amount was sent late in the evening, then it is likely that the application will be accepted for execution only the next day. And when sending money on weekends or holidays, or on the eve of such days, the application for the transfer of funds may not be processed immediately, but only after such days. After all, not all translations can be performed on non-working days.

In which case no commission is charged?

Everyone wants to save money and not pay a commission. And there is such a possibility. So, you won’t have to pay for the operation if you are transferring between your accounts and cards opened with Sberbank. And also, in the event that funds are sent to an account or card of a Sberbank client within the same city.

What is the commission when transferring from Sberbank to VTB?

Transfer from Sberbank to VTB is interbank. The amount of the commission here will depend on the chosen method of transferring funds. So, if the funds are debited from the Sberbank card and transferred to the VTB card using the card number, then the commission for such a transfer will be set as a percentage and will amount to 1.5% of the amount, but not less than 30 rubles.

But in the event that the transfer is made to the account number of the VTB client, then the commission fee will be 2% (minimum - 50 rubles, maximum 1500 rubles), if the operation is carried out through a bank branch and 1% (but not more than 1000 rubles), if money is transferred through the Internet banking system.

Commission when transferring to Yandex

Sberbank card holders can transfer money to their Yandex.Money wallet. Moreover, such a transfer is carried out without charging commissions. But it can only be done through remote self-service services, which include:

• Sberbank Online;
• ATMs;
• Terminals.

Limits and restrictions

For transfers made within the territory of Russia, limits are set only for operations performed through an online bank. So, using remote services, you can transfer up to 500,000 rubles to the accounts of bank customers, as well as customer accounts of other banks. But amounts over 80,000 rubles will require confirmation at the contact center. And if the payment is made by the card number using the MasterCardMoneysend and VisaMoneyTransfer systems to bank cards of customers of third-party banks, then the maximum amount will be limited to 30,000 rubles.

There are also some restrictions for the urgent transfer of "Hummingbird", performed on the territory of Russia. With this method of sending money, you can send an amount not exceeding 500,000 rubles. Amounts in excess of the established limit by this method will not be accepted for execution.

Among international transfers, only non-cash international transfer has no restrictions. In other cases, their own limits are set. Thus, urgent international transfers of Hummingbird and MoneyGram are limited to $5,000 for residents and $10,000 for non-residents. And a regular international cash transfer limits transfers to residents only. The maximum amount that can be sent in this way is $5,000.

Money transfers are a financial service that is in high 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 cash. After all, it is much cheaper and safer to send funds through a money transfer system than to carry them yourself or hire collectors.

There are many types of money transfers in the world today. Often, even in one bank, a client can be offered several systems at once 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, the territory of action, the procedures for sending and enrolling.

In banking practice, the following classification of transfers is used:

• international - with their help you can send money from one country to another;
• national - operate only on the territory of one state;
• intrabank - you can receive money only in the financial institution through which the transfer was sent;
• cash - do not provide for the opening of a special account;
• non-cash - carried out only with the help of a bank account;
• currency - provide for the transfer of monetary units of other states (dollars, euros, etc.).

It should be noted 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 the 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 (passport, "military", etc.);
• foreigners need to bring their “native” passport or another document that is recognized in the Russian Federation, an identity document, a migration card, a document for the right to reside in the Russian Federation;
• a stateless person must apply for 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 such concepts as resident and non-resident.

So, the first one is a citizen who lives and works in the state, pays taxes to the budget.

The second is an individual who operates in the territory of one country, but is registered and lives 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, can send no more than the ruble equivalent of 5,000 dollars in one day outside Russia without opening an account.

Popular money transfer systems

The leaders in the number of transactions in the world are Western Union and MoneyGram.

Western Union

The main office of the company is located in the USA in Englewood (Colorado). The advantage of the system is a very extensive network of points of issue of transfers, which are located in more than 200 countries of 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 the Russian Post;
• using Internet banking (the service works only in Avangard and Uralsib banks);
• cash at the bank;
• through the Yandex.Money e-wallet.

The transaction fee depends on many factors, the main of which are: sending method, transfer amount, country of destination. A large number of points of issue of transfers contributes to the growth of popularity of Western Union in many countries of the world.

moneygram

It is the second most popular money transfer system in the world. Its central office is located in the USA, Dallas (Texas). Points of issue of money for Moneygram are present in more than 200 countries around the world. You can send money using it only in a bank branch.

The amount of the commission depends on the standard parameters: the amount and currency of the transaction, the country of destination.
It is also worth considering that sending more than $10,000 to Moneygram will not work.

Russian money transfer systems

On a national scale, the most popular systems are the following:

gold Crown

One of the largest transfer systems in Russia was established in 2003. Its participants are more than 550 banks, which are located not only on the territory of the Russian Federation, but also in the CIS countries, near and far abroad. In total, the system has about 60,000 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 credit rating service S&P Global Ratings, it is the leader in the money transfer market in the CIS, and ranks third in the world in terms of the volume of transferred funds.

You can send money through the Golden Crown system:

• in divisions of financial institutions;
• in communication stores (for example, Svyaznoy);
• in the offices of system partners;
• online - using a mobile application or through a web interface www.koronapay.com

In addition, with the help of 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. With this system, you can send money in the following ways:

• online via www.contact-sys.com;
• in cash from the point of transfer;
• from an account in any bank in Russia, EU, USA, Hong Kong and other countries;
• using a mobile phone;
• through terminals;
• using Internet banking, financial institutions partners of the Contact system;
• via Qiwi wallet.

Blizko

Another system that is on the list of socially significant. It was established 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 network consists of 36,000 points, including all divisions of the Federal State Unitary Enterprise Russian Post.

It is worth considering that you can send money only at bank branches and post offices. Blizko also makes transfers between payment cards and from mobile numbers (Beeline, MegaFon, MTS).

hummingbird

is one of the youngest systems in Russia. It was established in 2013 by the flagship of the 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 amount of transfers is limited:

• ruble equivalent of 5 thousand dollars for residents;
• ruble equivalent of 10 thousand dollars for non-residents.

It is possible to make a transfer only at Sberbank branches.

Unistream money transfers

It was established 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 around the world, and the number of points of issue of money 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 subdivision of the system agent.

Unistream has a restriction - you can not send more than 100 thousand rubles. Regarding currencies, you can transfer in any monetary unit.

Money transfers Leader

It was established in April 2003. This money transfer network is present in 132 countries, cooperates with more than 500 financial institutions and has about 130,000 points of issue. 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 pieces);
• using the Leader Digital mobile app.

The Leader system also replenishes payment cards, accepts utility payments and pays for services of state institutions, monthly payments on loans.

Money transfer system in social networks

Significant competition to standard banking products is beginning to come from money transfers, which are carried out by companies that have not previously positioned themselves in the market with the provision of financial services. We are talking about sending money using social networks.

For example, VKontakte started making money transfers in September 2016. carried out by VTB24 Bank.

With the help of payment cards issued by banks in Russia or Kazakhstan, you can send a transfer to a 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 today. However, which one is better to use depends on many factors: the transfer fee, the speed of receipt, the complexity of sending, the list of currencies, the availability of pickup points, and current restrictions. All this must be taken into account when choosing a translation system.

Also, do not forget that money transfers within Russia are highly competitive with payments between bank cards. After all, their replenishment 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 commission for services 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 customers.

Alexander Babin

Transfer of funds within Russia is a popular service, implemented in many ways.

However, most of the options involve paying a commission for services from 1% to 5% of the transfer amount, depending on the operator. If we are talking about a large amount, then the commission becomes tangible, especially with frequent use of this service.

There are also ways to transfer for free, which will be discussed in this article.

What it is

Money transfers are the movement of funds from one person to another through a bank or post office with subsequent receipt and cashing out. They are used to send the necessary amounts to relatives, children, students in another city or friends.

Main requirements for money transfers:

• safety;
• speed (instantaneity);
• availability of points of departure / receipt in the city;
• minimum commission.

Overview of methods

There are many ways to send money, each with its own advantages and disadvantages. Some of them are widely known, while others are known only to a few users.

How can I send money to another city to an individual:

• Postal transfer;
• through specialized systems: Unistream, Western Union, Zolotaya Korona, etc.
• through electronic payment systems: Qiwi (Qiwi), Webmoney, Yandex.Money;
• transfer through MTS;
• transfer between cards of one bank;
• replenishment of the card through the terminal;
• universal card of Svyaznoy Bank;
• replenishment of the recipient's mobile account;
• map of Corn (Euroset).

In cases where you need to deal with a large amount, it is better to refuse terminals. If an error occurs during the submission of money (biting money), then it will be difficult to prove anything.

Post office

Despite the shortcomings and high tariffs, Russian mail has an undeniable advantage. It consists of a wide network throughout Russia, and in some places this is the only opportunity to make a transfer. In some villages there is no alternative to such a service.

The speed of mail transfer is very low - from 3 (up to 100 thousand rubles) to 8 days. Among other ways, such a transfer is one of the most expensive.

Based on the billing, in order to send 5 thousand rubles, you need to pay 250 rubles. For larger amounts, the rates are much more favorable.

Video: Transfer without commission

Special payment systems

The money transfer service through payment systems is available in any bank, as well as mobile phone stores.

The main representatives of such systems:

• Gold Crown;
• Unistream;
• Western Union;
• Leader;
• Contact and others.

As an example, consider money transfers through the Zolotaya Korona system. It can be found in banks, Euroset, MTS and Svyaznoy. The recipient will be able to take their money within a second after sending.

Prices for Golden Crown services

This is a fairly convenient and relatively inexpensive way.

Electronic money

Virtual transfers are convenient, especially for those who make money on the Internet. But the downside is that the recipient must also have a virtual wallet in WebMoney, Qiwi or Yandex. Money.

The process of sending from one account to another is fast, but cashing out is long and expensive. Usually, to receive cash, you need to pay 3-4% of the amount.

In addition, in order to withdraw from WebMoney wallets, for example, you need to enter passport scans into the system. Often there are hitches and this option cannot be called universal.

Salon service MTS

Now you can send a sum of money directly in MTS stores. To do this, you need to pay the desired amount to the cashier, provide brief details of the recipient. Money will be available within 5 minutes after sending.

To transfer / receive money, you need to have a Russian passport. The commission is small: 1.6% in the Russian Federation, 2% in the CIS countries.

Where can I make money transfers without commission?

If you need to make frequent sends or transfer a substantial amount, then you need to find a free option. Money transfer without commission is possible in several ways, some of them are quite specific, for example, through replenishment of a mobile account.

Transfer between bank cards

For example, if the sender and the recipient issue cards in the same bank, then the transfer between them is free. Those who often use transfers to the same individual should get a card from one of the banks - the sender and the recipient.

The bottom line is to replenish your card account (ATM, cash desk), and then transfer the amount to the recipient's card account. However, in some cases, you will have to pay to withdraw cash, so it is worth studying the conditions of specific banks.

Tinkoff Bank does not charge a fee for transfers between any debit cards. In Sberbank, this can only be implemented if the transfer is carried out within the same city.

You can transfer to a VTB 24 card simply by card number. This is an instant transfer, and in order not to pay for cashing out, you need to get a regular debit card.

Corn Map

Contact any Euroset office to apply for a special Corn card. It allows you to make transfers within the Russian Federation without a commission, and within the CIS - with a commission of 2%.

This is one of the most convenient options for free cash withdrawal. First, it is advisable to familiarize yourself with the possibilities of the card and the rules for its use.

How to get it

Make a purchase in the Euroset in the amount of 3 thousand rubles or more or purchase a card for topping up your phone with a face value of more than 100 rubles. Ask for this amount to be deposited into the account of Corn. You need to have a passport and a mobile phone with you - the whole operation will take 10 minutes.

It is convenient to carry out operations with Corn in your personal account through Internet banking. To enter it, you will be sent a password to the mobile number assigned to it. Using the card and personal account is absolutely free.

Also, the recipient of funds must apply for a Corn card in order to receive cash without commission deductions.

How to transfer money

Contact the Euroset salon with your card, name the recipient's details (full name, phone number and Kukuruz card number), as well as the amount of the transfer. The money will be transferred in just a few minutes, and the recipient will be notified by sms. Also, the transfer is easily done through Internet banking.

If the recipient has not issued a Corn card, then you can send money by giving your full name and phone number. He will be able to get them anywhere in the Euroset in his city. But a commission for cashing out will be taken from it: for the Russian Federation - 1%, for the CIS - 2%.

Features of work with corn

How to work with the Corn card:

1. For this purpose, a card of the "Standard" category is suitable.
2. Connect the service "Interest on the balance".
3. For withdrawals of up to 30 thousand rubles per month, no commission is taken.
4. You can top up the card at any point of the Euroset.
5. It is better to make withdrawals at ATMs (the cash desks take a percentage): VTB 24, Raiffeisen or City.

When withdrawing money from an ATM, the amount on the account is blocked, which is equal to the commission for withdrawal. After 2-3 days, the blocking will be lifted from this amount. If you do not connect "Interest on the balance", then you will need to pay for cash withdrawals.

Bank Avangard

In Avangard Bank, you can transfer money between different accounts without commission. To do this, you need to open a current account there and get a card so that you can use Internet banking. You can both replenish your account and withdraw them through the Avangard office.

The only thing that needs to be foreseen is to warn the bank branch if the withdrawal amount is large. Avangard has many small branches, which may not have the required amount.

Bank Svyaznoy

The recipient needs to issue a universal card of Svyaznoy Bank. Her service is paid and amounts to 600 rubles a year. But this amount is insignificant in comparison with the commissions in conventional payment systems.

The sender must go to any Svyaznoy branch and top up the recipient's card using its number. When withdrawing an amount less than 1000 rubles, a commission will be charged, and if the amount is more, then the operation is free.

Replenishment of mobile account

There is another non-standard way that is inconvenient to use often, but it has the right to life. It is necessary to put the required amount on the account of the recipient's mobile number. The fee for replenishing an account is usually small, especially when it comes to large amounts.

The recipient, in turn, must visit the office of the mobile operator and draw up a statement of refusal of services and a request to terminate the contract. The company will return the money that was in the account.

It is worth noting that for this you need to have an unnecessary number or conclude a new contract, which will be terminated.

If you often need to send money to another city, then it is best to find a convenient way without a commission. In the article, you can find various options with and without service fees.

The best choice is to issue debit cards VTB 24, Corn, as well as a paid Svyaznoy card. Use the services of the counterparty that you trust the most.

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 available that can connect to the Internet. Next, it remains to choose a service that carries out monetary transactions. This article will present services that provide services for sending money to individuals and legal entities, as well as detailed instructions for carrying out the operations presented.

Service for sending money - performs an intermediary function between the sender and recipient of funds. Such services create an alternative to making cash payments (for example, before 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 of the service from banking organizations:

1. Such organizations generally have an extensive network of representative offices.
2. Allows you to perform the necessary operation as simply as possible within a few minutes.
3. Commission for making monetary transactions, which on average is from 2 to 6 percent of the payment amount.

Principle of operation:

1. The client comes to the branch of the organization or goes to their website (in the case of an online transfer).
2. Next, you need to fill out an application for the operation. The application contains the passport information of the sender, 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 called a secret code, which he must transfer to the recipient.
5. As soon as the funds are transferred (the deadline for completing the application directly depends on the chosen organization), the recipient can go to the designated branch, name the secret code and collect the money sent.

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 the world leader in the field of international money transactions, and in particular express transfers. The organization owns 500 thousand branches located in more than 200 states.

Main advantages:

1. Reliability. All monetary transactions carried out are equipped with a modern security scheme, produced in accordance with international standards. Thus, when sending your funds, you can be sure that they will reach the recipient on time without any problems.
2. The 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 of the 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 organization, 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 the transfer of money. Immediately after that, 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 the Russian money transfer market, as well as in the markets of the CIS countries. The service owns more than 500 thousand branches located in 170 countries of the world and providing customer service.

The main advantages of the "Contact" system (money transfers):

1. Sending any amount. The payment program does not require a minimum amount of funds to be transferred, so anyone can transfer any amount of funds to another individual or legal entity.
2. SMS notifications. The service offers its customers the opportunity to activate a service that allows them to notify via SMS about transactions with money. Thus, you will always be aware of when the operation will be performed and when it will receive a response from the recipient.
3. Three types of currencies are available. At the moment, it is possible to carry out an operation to send money, both in rubles, and in dollars or euros.

Operation fees:

1. The maximum amount of transactions in Russia is 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 transactions carried out is unlimited.
3. The commission for Russia is 1% of the payment amount (the maximum amount of the commission is one thousand rubles or 30 dollars). You can see the commission for other countries at contact-sys.com.

Contact money transfer provides fast and reliable.

The Unistream payment service first appeared on the Russian market in 2001. After the appearance, the service quickly began to gain popularity among the population. The reason for the success was the establishment of a minimum commission rate of 1% of the payment amount. Thus, Unistream began to carry out money sending operations cheaper than anyone else in Russia and the CIS countries, thanks to this, the represented organization currently occupies a leading position in the financial transactions market. 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 spend time visiting the branch.
2. Low commissions. Offers its clients to carry out transactions with money at the lowest commission deductions. So, if you do not want to overpay large sums of money, then contact the organization represented.
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.

Zolotaya Korona is one of the first Russian companies providing money transfer services to its clients. Here, everyone 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 of the world.

Services offered:

1. Money transfers. The transfer is carried out both in cash and by bank transfer from card to card. For this type of operation, the company charges the client a commission in the amount of 1% of the payment amount.
2. Currency exchange. The company offers its customers the opportunity to convert rubles into dollars or euros at the current exchange rate. Exchange rates are presented on the website of the company koronapay.com.
3. Repayment of loans. With the help of the Golden Crown service, customers get the opportunity to pay off their current debt in many Russian banking organizations, as well as in the largest MFIs.

"Golden Crown" online transfers are also carried out.

Blitz is a payment system developed by Sberbank. The system was developed recently, but has already gained immense popularity among the bank's customers. The main advantage of the system is the use of modern technologies and communication channels, which allow to achieve a high speed of 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 fees:

• the fee for an urgent transfer is 1.5% of the payment amount;
• commission for international transfer is - 1% of the amount;
• cancellation of the operation - 150 rubles.

MoneyGram is one of the leaders in the international express money transfer market. The company was founded 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 around the world.

How to make a transfer using the presented service:

1. Go to the nearest branch of the company.
2. Present your passport.
3. Fill out an application.
4. Deposit money. After payment, the client will be provided with a special number, which must be provided to the recipient to confirm the operation.

Moneygram offers money transfers to everyone who has a passport.

Video "How money transfer systems work"

Every year the number of money transfers in Russia is increasing, and they are becoming more affordable. With the help of a transfer, people pay for large purchases, loans, trips, education, etc. The geography of translation systems is expanding significantly, and tariffs are decreasing. In the current situation, it is sometimes difficult to choose a method of transferring money or a payment system that would be the most profitable, reliable, and made it possible to send money quickly and make transfers with a minimum commission V 2018.

In fact, there are quite a few ways to transfer money in Russia, but in order to find the cheapest and most convenient, it is better to consider the main ones.

Types of money transfers

Postal transfer. This type is one of the oldest money transfers. To do it, it is enough to have a passport with you.

At the post office, you can transfer money using the CyberMoney service with a commission of 1-5%. This amount is also added to the one-time payment for the transfer. It should be noted that the larger the transfer amount, the lower the interest rate, but the higher the lump sum payment. For example, for 1000 rubles you need to pay 40 rubles and 5% of the transfer amount. For a transfer from 5,000 to 20,000 - 100 rubles and 2% of the amount.

A big plus of the CyberMoney transfer is that it is available to all residents of the country and can be received and sent from the most remote corners of the Russian Federation. The downside is that the transfer can take up to 10 days.

Russian Post also provides services of urgent transfers "Forsage", which can be received within a day. The commission here is 1.7 -10%. In addition, the service is available only to residents of large settlements.

Bank transfers from account to account. This transfer also belongs to the oldest types of money transfers. But in order to implement it, you need:

• that the recipient has his own account;
• that the account be opened in the same bank as the sender (otherwise the commission can be very high).

In addition, you must have documents: passports, applications.

Even when transferring from account to account of one bank, the tariffs are 1.5-2%. The speed of the transfer also leaves much to be desired: the funds go 1-3 days.

Transfer from card to card. Such a transfer is most profitable, provided that it is carried out on a card of the same bank. Many banks provide this service without commission. Sberbank clients, for example, can transfer funds without commission to a water city. If you need to send money to another city, then the commission will be 1%.

But in any bank, the commission for transferring from card to card will be no more than 3%. Money arrives instantly, and they can be transferred through an ATM at any time of the day. The only negative is the limitation on the volume of transfers.

Transfer through payment systems. Express transfers are becoming increasingly popular, which can be done in special service branches, banks, and even via the Internet. The most popular services in Russia are UNIStream Western Union, MoneyGram, Аnelik and some others. Money can be received within a few minutes after departure by presenting a passport. The commission averages from 1-2.5%.

The advantages of such a transfer are, first of all, that it can be done without leaving their home, transfers come instantly. These include WebMoney, YandexMoney, Qiwi and some others. The sender simply transfers funds from one wallet to another, paying a certain percentage for this. The downside is that in order for the user to be able to receive cash, virtual money will have to be cashed out, which will take some time and a certain amount. On average, you need to pay 3-4% of the transfer for the service.

Cryptocurrency transfers are becoming more and more popular in Russia.

How to profitably transfer money in 2018 through international payment systems

We will not dwell on postal orders or transfers from account to account. They have been in use for a long time, and everyone knows how to carry out operations. As for the possibilities of transferring through payment systems, they are different, and it is worth getting to know them better, especially since many of them allow you to make low commission transfers. Therefore, we will consider those services that are currently the most popular in Russia.

Unistream (Unistream)

Unistream operates in 95 countries of the world, including Russia. Transfers through this system are considered the fastest. Tariff - 1%. You can transfer up to five thousand dollars, both in Russia and abroad.

Contact

The Russian payment system "Contact" appeared relatively recently, but now thanks to it, you can make money transfers not only in Russia, but throughout the world. It is possible to transfer funds both in rubles and in dollars and euros. The maximum amount you can send in Russia is 500,000 rubles. The transfer commission is from 0.2 to 1%.

Western Union (Western Union)

The payment system operates in more than 200 countries. In the Russian Federation, you can transfer up to 100,000 rubles at a time.

Transfers are divided into 2 types: "12 hours" and urgent, which comes in a few minutes. Tariffs are among the lowest in Russia - 0.9%.

Moneygram (MoneyGram)

Moneygram is one of the most common systems in Russia, so transfers can be made in many Russian banks that participate in it, including Sberbank. This payment system allows you to transfer up to $5,000 per day. Commission for the Russian Federation - 1%.

Close (Blizko)

Blizko is a Russian invention, and its operator and at the same time the owner of JSCB Svyaz-Bank. The main advantage is the high speed of transfers. Money arrives in a minute. The maximum transfer amount is $10,000, you can use the ruble equivalent. Commission for Russia -1%. It may be slightly less or more depending on the region.

Gold Crown

It is more suitable for transfers to the CIS countries, since it actively integrates with foreign payment systems, but you can also make transfers within the country. The commission averages 1.5%. Transfers to the Russian Federation come instantly

hummingbird

Transfers can only be made through Sberbank. The maximum transfer amount is 500,000 rubles. Currency transfers are also possible. The commission is 1.5% of the amount, but cannot exceed 1000 rubles. Translation takes 10 minutes.

Gait

Allur is not the fastest of the payment systems, the transfer takes less than 10 minutes on average. The sender has the opportunity to transfer up to 15,000 dollars at a fairly low commission, from 30 rubles to 3 dollars.

Money tracking and alert system.

How realistic it is to track the transfer of money, you need to find out in the system itself. But, as a rule, in order to attract customers, many services provide such a service. They also offer the option to notify the recipient via SMS.

Transfers to the Russian Federation, how profitable it is to transfer money in 2018

If we consider the available opportunities for transferring money and decide how it is more profitable to transfer a certain amount, it is worth dwelling on 3 components: speed, tariff and convenience when transferring a payment.

Some transfers take up to several days, for example, postal or bank transfers from account to account. A completely different picture is observed with express transfers through international payment systems. Money can come instantly or within a few minutes, and the commission for the service is low. However, if there are post offices and branches of Sberbank in almost every locality, then not every resident of the Russian Federation has the opportunity to transfer money through payment systems. Although many payment systems today have partners. For example, " Gold Crown» allows you to do translation in the Beeline, MTS, Svyaznoy, Euroset networks.

If it is not possible to transfer cash through payment systems, then you can use Hummingbird urgent transfers. It is available to everyone, especially since you can transfer not only rubles, but also dollars and euros. The service will not take much time and you will only need a passport.

It is very profitable to transfer money from card to card, especially if these are cards of one bank. In this case, many banks do not charge a commission. In Russia, this is practically the only way transfer money without commission in 2018. When transferring to a card of another bank, the fee will be 2% of the transfer amount. The operation can be carried out at any time of the day through an ATM or the Internet.

The fastest transfer with a minimum commission

In Russia, it is best to use the Western Union system. It has 3 advantages at once.

1. Speed. The transfer arrives in minutes. The person to whom the money is sent can receive it almost immediately.
2. Low commission. It is 0.9%, but cannot be less than 100 and more than 900 rubles.
3. Availability. The system has been operating in Russia since 1991 and cooperates with MDM, Prominvestbank, Absolut, Vyatka Bank, Omsk Bank and some others. To find the nearest branch, just go to the page and click on the search for branches. In total, there are now about 14,000 service points in Russia, many of which have a round-the-clock work schedule. To receive a transfer, you need to provide a passport and a control code that the sender will provide.

Russian Post also cooperates with Western Union, but transfers are usually sent to foreign countries or to remote corners of the Russian Federation.

The most expensive ways to transfer money

One of the most expensive ways to transfer money is considered to be a transfer through the Russian Post. The commission for urgent transfers "Fast and the Furious" here can reach up to 10%. If you send funds using the CyberMoney system, then with a relatively small percentage, the lump sum payment, which is added to them, can reach up to 535 rubles. For example, for a transfer of 10,000 rubles, you will need to pay 435 rubles.

It is unprofitable to transfer money from a mobile phone account, since the commission in this case can be about 8%.

How to make a transfer via the Internet with a low commission

A very simple and at the same time convenient way is to send money through an online bank, all you need is a computer, smartphone or tablet. Translation will take only 2-3 minutes. Online services are usually quite simple and it is not difficult to transfer money through them. You will only need to enter the site (in some cases, in your personal account) enter the country to which the transfer will be sent, the city, and the recipient's data.

Can be used:

• classic translation, when you need to enter all account details,
• transfer from card to card.

It should be borne in mind that when transferring to a card of another bank, the money will be credited to the recipient's account within 24 hours, and a certain percentage will have to be paid for the transfer. But, as a rule, a smaller percentage is charged for the operation than when transferring and withdrawing money from Webmoney, Qiwi, etc. Some payment systems hold promotions. So Unistream does not charge service fees from MasterCard and Visa users.

Cryptocurrency transfers

Along with other money transfer systems, transfers in cryptocurrency should also be considered. Especially in the cryptocurrency of Russian origin - RUCOIN, as there are transfer options with a low commission. If in 2017 the commission for a bitcoin transaction increased significantly, the commission for any transaction in RUCOIN is only 0.1%! You can transfer money instantly. At the same time, the cryptoruble is not subject to state control and does not have intermediary organizations.