How to transfer money with a minimum commission? How to transfer money to the Russian Federation without extra commission Which bank has the minimum transfer commission.

In Russian financial market Today there are many private and public banks. Having an account in one of them, you may need to transfer funds to another bank. But we’ll talk about what percentage Sberbank takes for transferring money to another bank.

Let us briefly emphasize that there are two types of transfers: cash and non-cash. Each of these cases has its own subtleties and nuances. And that includes different rates of commission charged.

Cash transfers

So, in this case the client will be charged the following commission:

• If money transfers are carried out within one locality. Issue is carried out in cash - commission 1.75%. For transfer to another bank to a current account – 2%.
• The transaction is carried out within the geographical boundaries of different regions. If money is received into a Sberbank account or in cash, the commission is 1.75%. When transferring to a plastic card – 1.25%. In case of transferring money to an account in another bank - 2%.

When planning to send money, you need to consider that minimum commission, charged by the bank is 30 rubles, and the maximum limit is 2000 rubles.

Commission for the translation of "Hummingbird"

When transferring money through Sberbank using the Hummingbird tariff, there is a fixed commission fee that will be debited from the client. 1.5% is the interest charged for a transfer by Sberbank.

The minimum commission fee for the Hummingbird tariff is 150 rubles. But at the same time maximum amount fee – 1000 rub. Upon receipt of money, the sender will receive a corresponding SMS message.

Non-cash transfer options

The easiest way is to use non-cash transfers, since in this case you manage your money, which is on a plastic card or current account. And this kind of operation can be carried out remotely, having only an Internet connection or a mobile connection.

But the question remains open regarding the commission fees that are deducted from the client.

Transfer from a Sberbank card to a card of another bank

So, you have a Sberbank plastic card and you need to transfer the nth amount of money to a plastic card of another bank. What will happen to the commission fee in this case?

In this scenario, a fixed interest rate is charged - 1.5% of the transfer amount. Please note that this operation is performed exclusively online and is not carried out in bank branches.

Transferring money from a Sberbank card to a bank account in another bank

No less relevant is the question of what percentage Sberbank takes for transferring money from plastic card bank to the current account of another financial institution. Let us immediately emphasize that in this option it is allowed to use not only rubles, but also dollars.

As for commission rates, they are as follows:

• When conducting transactions at a bank branch: 2% - ruble payments, 1% - dollar transactions.
• When making a transfer through the online system: 1% - ruble transfers, 0.5% - dollar payments.

Transfer from a current account in Sberbank to a current account in another bank

A commission fee is also charged when making a transfer between two current accounts, one of which is opened in Sberbank, and the second in another banking institution. When registering at the banking window, the fee will be 2% of the total amount. But it is more profitable to use an online application - here only 1% will be charged for a similar transaction.

Blitz transfers and commission

If most money transfers are carried out within a few business days, then Blitz transfers are the fastest possible transfer of funds within the shortest possible time. But again, it all comes down to fees that need to be taken into account when conducting a transaction.

A regular Blitz transfer will cost 1.75% commission. This is a fee for conducting a transaction in Russia. If you plan to make a transfer abroad, then in this case additionally calculate + 1% commission.

We use the Sberbank Online application

In the Sberbank application Online percentage the transfer fee is charged when completing and conducting the relevant transaction. The total fee for completing the operation is displayed on the screen. The transfer amount and the automatically calculated commission can be adjusted many times by the user.

Currently, a fee of 1% is provided for transfers that are made in Russian rubles and executed through the application Online Sberbank. The system also provides for currency transfers - in this case, the interest fee will be 0.5% of the total amount.

The application is very convenient to work with, since all calculations are performed automatically. When you enter the transfer amount, the fee percentage is automatically calculated. It cannot be less than 30 rubles - this is the minimum allowable commission for any transaction.

Conclusion

When considering options for processing and performing a transfer from a Sberbank card to another bank, there is no need to talk about how to transfer money to a Sberbank card without interest. You can avoid paying commission interest within the bank and when crediting it to a Sberbank account. But in our case, payment interest rate there will definitely be, since absolutely all transactions involving the transfer of funds to other credit institutions are subject to a fee.

Depending on the transfer you choose, the commission fee can be from 0.5% or higher. It is worth considering the presence of a minimum commission and, accordingly, a maximum. Also, do not forget about the enrollment time it takes to complete your transaction.

The largest financial institution in Russia has an extensive network of its own branches and self-service terminals in each locality throughout the Federation. Thanks to this, his service can be used by any Russian who wants to send cash. Financial institutions provide a huge number of ways to transfer money. Therefore, everyone who decides to use this service is interested in what percentage Sberbank charges for transferring money. This information is important because the client can choose the best option for himself. The size of the commission depends on several factors:

• transfers between cards and accounts within a banking institution;
• transfers to accounts and cards of other banks;
• sending money in one city or beyond.

It should be noted that the size of the commission does not depend in any way on the type of bank card of the sender.

There are many types of money transfers

Sending money across Russia without commission is only possible with the following options determined by the credit institution:

• between cards and accounts of one client;
• between cards received in one branch;
• from card to account or reverse operation in the same department.

Types of transfers without paying a commission

Regular

Only amounts in rubles can be sent in cash. For this type of bank transfer from Sberbank the following commission is provided:

• in one locality: when issuing cash - 1.75%, in another banking institution - 2%;
• between regions: when issued in cash or to the account of a banking institution - 1.75%, for plastic - 1.25% and in another bank - 2%. The minimum commission is 30 rubles, the maximum is 2000 rubles.

"Hummingbird" (urgent)

Commission fee – 1.5% of the transferred amount. Minimum size fee - 150 rubles, maximum - 1000 rubles. An SMS message is provided to confirm receipt of money.

Cashless

It's worth knowing that in in this case The commission fee is not charged only when conducting transactions between your cards and accounts. In all other cases, the amount of the fee depends on the following:

• whether you make a transaction in one region or beyond;
• when transferring to a recipient from another banking institution.

Transfer of funds from a Sberbank card to cards of another bank

The commission for a transaction to another institution using a plastic number is set at 1.5%. Such an operation is not provided for in bank branch, but only through the online service.

How to transfer from card to card

Let's determine what commission is charged for transferring money from card to card issued by the same institution. In this case, the determining factor will be the location of the operation.

Transactions will be free in the following cases:

• between cards of the same client;
• on credit card recipient;
• to the recipient's debit card issued in the same locality as the sender.

The territorial factor plays a role only when determining the region of issue of the means of payment, and not the place where and where the payment is made.

When sent to the recipient's debit card, the fee is 1.5% (in the branch) and 1% in Internet banking.

From a variety of options, the client can choose the most convenient way to transfer money.

Transfer from card to account in Sberbank or any other bank

If you need to send money from your own plastic card to the recipient of an account at the same institution, the commission fee is as follows:

• through a bank cash desk to another city - 1.5% (for ruble sending) and 0.7% for foreign currency;
• through the online service, respectively – 1% (rubles) and 0.5% (dollars).

For a transaction to the account of another financial institution, the situation is as follows:

• in the department – ​​2% (rubles), 1% (dollars);
• online – 1% and 0.5% respectively.

Transfer from account to account in Sberbank or any other bank

Commission when sending from account to account opened in one institution is 1.5% through a bank cash desk and 1% through online application. Provided that the transaction is carried out between regions. In one city similar service free. When sending to another bank, the fee is 2% (through a branch) and 1% online.

Every month, Russians pay many utility bills: gas, water, electricity, home maintenance, Internet, telephone, etc. If you make payments through a cash register, then in addition to the basic amount for utilities, payers also have to pay a rather large commission. Of course, some payments can now be made via the Internet, an ATM or a terminal, where there are no transaction fees. However, with the help of these systems it is not always possible to pay rent, because... its recipients are often management companies or owners' associations whose accounts are in different banks.

To make rent payments, many have to use a money order, which incurs an additional fee of a fixed percentage of the payment amount. Thus, monthly payers overpay from a couple of tens to a couple of hundred rubles. You can save these funds using online banking, whose financial institutions allow you to transfer up to 15,000 rubles in an interest-free format.

Having studied the proposals for paying for housing and communal services of the 50 largest banks in the country, we have compiled for you a list of 10 banks with a minimum commission for paying utility bills. As it turned out, in 2017 public utilities It is most profitable to pay in banks such as: Home Credit and Promsvyazbank, because In these organizations, this operation is performed free of charge.

It is interesting that the largest Russian bank, Sberbank, was not included in the list of profitable banks for paying for housing and communal services. The fact is that all transfers in Sberbank are more expensive than in other organizations. For example, when paying utility bills, you will have to pay an additional 1 to 3% of the transfer amount, but not less than 30 rubles per transaction.

Top 10 banks with the minimum commission for paying for housing and communal services in 2017

1. Russian Standard – no commission (Internet banking);


2. Home Credit – no commission (via Internet banking);


3. Promsvyazbank – no commission (via Internet banking);


4. Ak Bars - 0.5% per operation (minimum 20 rubles, maximum 150 rubles);


5. Alfa-Bank – 29 rubles per transaction (via Internet banking);


6. – 1.5% per operation (minimum 20 rubles, maximum 1000 rubles);


7. Bank Vozrozhdenie – 1-2% per transaction (not less than 20 rubles);


8. Moscow Industrial Bank - 1-2% per transaction (not less than 20 rubles);


9. UralSib – 2% of the total payment amount (minimum - 20 rubles);


10. Svyaz-Bank – 50 rubles per transaction.

It happens that you have to send money transfers to Russian banks, and, of course, you want to save on time and money.
For example, if you contact Sberbank (“Always Nearby”), you will have to wait in line, fill out forms, pay a 3% commission and the transfer will be sent, and it will arrive within 5 working days...
In other banks the commission is usually less, but also large, 1-2%, with a minimum commission.

It is always cheaper to send transfers through online banking.

For example, in MDM Bank and Svyaznoy Bank commission 0.3%, min. 30 and 25 respectively.

In Avangard 10 rubles; after 17:30 local time, if a transfer is required in the current date, an additional 0.075%, min 75 rubles.

Russian Standard positions itself as a bank with free transfers (for the Bank in Karman card, but I don’t use the card, so I can’t check the tariffs), and their “Post Card” (a project with the Russian Post) charges a commission of 10 rubles.

I heard about the Bank of Moscow that the commission is 10 rubles, but for an amount not exceeding 50 thousand rubles.

This is only a small part of the banks, but the general point of my examples is to show that you can make transfers with a minimum commission, without problems.

Are you talking about transfers without opening an account? And you be smart, if the bank allows you to transfer for free if you have an open account, then open an account and send it calmly. My outgoing payments to MKB are free. It charges a commission for incoming payments. Nowadays many banks do this, they’re probably frostbitten.) So look and you will find.)

No, I’m exclusively talking about transfers with opening an account, otherwise how would I send transfers through online banking?
About the commission for incoming transfers - often banks do not charge a commission for incoming transfers if the money comes to the card account. There seems to be a fee for servicing, issuing a card, and withdrawing a commission at other people's ATMs, which is why banks do not charge such a commission.

Bank transfers: where is it cheaper?

25 Sep 2012, 20:39

If you send me, for example, from an open account by bank transfer through online banking it will cost 0 rubles. At the same time, online is free and the account is free, but subject to the availability of another banking service, for example, a deposit of 3 thousand. The rates are good. This is what many banks do now. But accepting money from others costs money. Rave...

Money transfers today are one of the most popular banking services that connect people not only from different regions, but also from different countries. In this article, we invite you to consider various options for banks that offer their clients transfer services, and also find out where the lowest commission will apply.

What is a money transfer? This is sending money in Russian or foreign currency to the recipient, who must inform the sender of his details.

What is most often required:

• if you are sending cash and will also receive cash - full name of the person for whom the payment is intended, his passport details, contact phone number,
• if you need to make a non-cash payment, i.e. from your card\account also to the recipient's account, you will need the following data - the recipient's full name, his bank account number and details of the bank where this account was opened (full name, BIC, TIN, etc.). We tell you in detail how to get the details of a Sberbank branch,
• If you send money to an account abroad, then this can only be done through those banks that operate using the SWIFT code system. You need the bank code, its name, city and country of location.

Although not all banks have a small commission for transferring funds, it is much more convenient and safer than transferring by other methods. Many banks use the services of such systems as Unistream, Zolotaya Korona, Contact, Western Union and others.

Transfers through Sberbank of Russia

Many people prefer to make transfers through Sberbank branches, and this is really profitable: the largest bank in our country not only has its offices in every city, but also offers favorable conditions for its clients.

What opportunities can you take advantage of? Everything will depend on the characteristics of your payment, let’s take a closer look.

In Russia:

1. From account to card or cash - 1.5% of the amount, min. 30 rub., max. 1000 rub. Sberbank, other bank - 2%, min. 50 rub., max. 1000 rub.
2. From card to account - within Sberbank 1.5%, min. 30 rub. Max. 1000 rubles, to another company - 2%, min. 50 rub., max. 1500 rub.,
3. You can transfer from your card to a card of another bank only through Sberbank Online, the fee will be 1.5% of the amount, but min. 30 rub.
4. Cashless transfer between clients of this bank in the same region is free, from different regions - a commission of 1.5% min. 30 rub. Max. 1000 rub.
5. Regular transfer - charge 1.5% of the transfer amount, min. 150 rub., max. 1000 rub.
6. “Hummingbird" (expedited, arrives in just 10 minutes, available only in the branches of this organization) - they charge from 1.25 to 2%, but not less than 50 rubles.

Abroad:

• “Urgent” according to the Kolibri system. The sender pays 1% of the transfer amount, but not less than 150 rubles. or 5 US dollars, or 5 euros and no more than 3000 rubles. or 100 US dollars, or 100 euros. The recipient pays 1% of the amount,
• MoneyGram - fees vary greatly (from $2 to $80 depending on the country where the recipient is located and the amount sent),
• International cash transfer is carried out using a SWIFT code. They charge a fee here that depends on the currency: if you send rubles - 2% (min. 50 rubles and max. 2000 rubles), if foreign - 1% (min. 15 US dollars and max. 200 US dollars).

The following payment systems also work for you:

• Unistream. Addressless transfers - when sending 1000 rubles within the city, the commission will be 70 rubles.
• Golden Crown. Commission for Russia 1% not more than 1000, Belarus 1%, Ukraine 1%
• . Payment in Russia 1% no more than 1000, Belarus 1% up to 1000 rubles, Ukraine 0.5-1% but no more than 250 rubles for an amount up to 50,000 and no more than 1000 rubles. with an amount of 50,000.
• Western Union. Urgent in Russia - 1%, not less than 100 rubles, CIS countries - 50-100 rubles or 1-2%.

Other useful articles on this topic:

When making monthly payments, each of us wants to pay as few commissions to the bank as possible. We should start the conversation with the fact that in different regions, different cities there may be different opportunities. Firstly, the presence of banks. Secondly, their tariffs and availability remote channels.

Let us immediately note (regardless of which bank we choose) that using remote channels to access our account will significantly reduce our costs. It's easy to explain.

By offering such technology, credit institutions transfer work to machines, freeing up staff and accordingly reducing their operating costs. Accordingly, if you pay for the same service through an operator or through your Personal Account in Internet banking, you will be charged different amounts for this.

Let's compare the offers of several large banks: VTB24, Sberbank of Russia, Alfa Bank, Bank of Moscow.

1. VTB24. Transferring payments to the accounts of legal entities through a cashier will cost us 1.5% of the transfer amount. Using the Telebank and Teleinfo services will allow you to save significantly. Transactions in the amount of up to three thousand rubles cost a fixed 20 rubles, over - 0.6%.
2. Sberbank of Russia charges a commission taking into account the presence or absence of agreements with the recipient party. This value may vary depending on the specific region. Through a cashier, the transaction will cost from 2 to 3 percent. Through Sberbank online, ATMs and terminals - from 0 to 1%.
3. Alfa-Bank. Through the Alfa-Click service, depending on the package connected to the client, the bank writes off a commission in the amount of 29 rubles per payment or makes it free of charge.
4. Bank of Moscow. This bank has a program designed for retirees. For them, having a capital resident card (social card) allows them to pay for utilities for free. For all other payers - from 0.3 to 1.5%.

Most Russians prefer to make payments through Sberbank branches, and this is completely logical - its branches are in every locality, and in large cities the number of offices can be several dozen. Convenience comes first for many of us, and therefore it is most convenient to contact this company.

What will you need for payment? Your passport of a citizen of the Russian Federation or other identification document, as well as the details of the recipient - an individual or organization to whom you need to transfer money.

If you need to pay for housing and communal services, then in this case you need to take a payment card with you, and it is with it that the employees will make the payment. If the branch has ATMs equipped with a system for reading the barcode on the receipt, then you can pay the rent yourself without queuing; instructions are given here.

How will the commission be determined? Everything will depend on the region in which the recipient is located (i.e. where he opened his account) and on whether he has an agreement with Sberbank to make payments. In the first case, the commission is calculated individually, it will be no more than 2% of the transfer amount, in the second it will be carried out without charging additional fees.

It remains only to note that not a single bank charges commissions for making budget payments.

There are many different reasons to send money to loved ones. Most often, such economic benefits are made by parents to their student children or by children who have gotten on their feet and financially support their parents. Most often, such regular shipments are made within the borders of our country. Therefore, the issue of cost is very relevant, because money transfers within Russia can be made in different ways and in each case there will be advantages and disadvantages of the options.

Sending money by mail

The most widespread network of branches in the country is Russian Post. In all, even the most distant corners, there is at least one small working branch. One of the oldest enterprises provides various types services, including sending money.

It is worth noting that this method is one of the most expensive and longest.

But in some areas it is practically irreplaceable. After all, not everywhere there are alternative services willing to work, sometimes even at a loss.

Tariffs for sending money by Russian Post

The Post Office offers the CyberMoney service. Tariffs for small money transfers start from 40 rubles + 5% up to a thousand, up to 250 rubles + 1.5% up to half a million.

This means that for sending 1 thousand rubles you need to pay 90 rubles (9%) commission. And for an amount of 500 thousand, the payment will be 7,750 rubles (1.55%).

But you need to know that sending amounts up to 100 thousand takes 3 working days, and more than this amount, according to the regulations, can be issued in a maximum of 8 working days.

Pros: huge coverage of the country, you receive cash immediately, you can send large amounts.

Cons: high commission for small amounts, very low speed.

Translations of specialized systems

To make transfers there are special companies, such as Western Union, Unistream, Anelink or others. Some of them are almost two hundred years old. Western Union, for example, has branches almost all over the world. They also strive to speed up the process of sending and receiving within each country and regularly reduce shipping rates.

Now for an operation up to 10 thousand rubles you need to pay only 100 rubles fixed commission, and up to 100 thousand - 1% of the amount. When more than 100 thousand rubles need to be transferred, the client will pay a fixed commission of 1000 rubles.

System tariffs

You can pick up the money a couple of hours after sending. You just need to know the transfer code and have a passport. Some systems allow you to receive a transfer a few minutes after sending, for example, Zolotaya Korona.

Pros: high speed of money transfer, no need to have bank accounts.

Cons: fewer branches than the post office; you can only get it at specialized points.

Transfers between bank cards

A more profitable transfer is between cards of the same bank. In this way, you can even transfer money within Russia without a commission, and Sberbank offers this if the sender and recipient have accounts opened in the same city. Some banks, such as Tinkoff, do not charge fees for transfers between any client debit cards.

The maximum commission can rarely reach 2-3% of the amount. But there are restrictions on the volume of transfers. Different banks can have an average of 15 to 75 thousand per day. Large limits exist for transfers within the bank, and not between cards of different financial institutions.

Pros: high speed, average commission.

Cons: you need to have a bank card, you can only get cash at an ATM.

Sending through virtual payment systems

Younger users use the Qiwi, WebMoney or Yandex.Money systems for transfers. But cashing out through these services takes some time and is not free.

On average, a user must pay up to 3-4% of the amount to receive banknotes.

But the translation itself arrives instantly. Although there are also restrictions on maximum transfers. It will be a problem for unauthorized users to receive more than 15 thousand rubles.

Pros: 24/7 transfers, low sending fees.

Cons: problem with cashing out, limited low amounts for sending, you need to be registered in the service, commission for receiving is above average.

Transfer via bank

You can go the traditional way and do bank transfer on account. In this case, the commission will range from 1 to 5% in different banks. The average value will be 1.5-2%.

But at the same time, the recipient must have a bank account and send full details to the person who wants to transfer the money. Also, you can actually withdraw the amount only through a bank branch during business hours. Which imposes its own inconveniences for receiving. Translation in progress one working day maximum.

Pros: average transfer speed, average commission, cash receipt.

Disadvantages: you need to have an account, you can only get it on weekdays, you can only pick it up at one specific bank branch.

Money transfers are today one of the most popular services among Russian citizens. That is why the financial services market is replete with offers for fast translation payments. How to understand all the variety of services and choose an offer with the most favorable conditions?

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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What is a money transfer

Funds transfers are the process of transferring a specific amount specified by the sender to individuals or legal entities.

Transfers are carried out through intermediaries: banking structures or transfer systems. For the service, institutions or payment services charge a commission within the established tariff.

Conventionally, money transfers, depending on their purpose, can be divided into the following types:

• Internal translation. This category includes those payments that are sent within one state, in this case the Russian Federation.
• External translation. These types of money transfers include those whose sending is not limited to one state; money can be sent to any country in the world.

Varieties

The money transfer service has received great demand among Russian citizens. The demand for the service has led to the emergence of an extensive toolkit for carrying out financial transactions.

Today, the following types of translations are available to users::

• Postal. Of all the options presented, this is the cheapest option. Using mail, users will face a limit on transferring payments, the maximum amount is 500 thousand rubles. The funds are credited to the recipient's account within 3 days; to receive the money, you just need to visit the post office.
• Banking. As a rule, transfers are available within one state, for example, from one account to another, or from one credit card to another. Transfers between clients of one banking institution are carried out free of charge; sending funds to other banking institutions involves a commission. The funds are transferred to the recipient’s account in a few minutes to one day.
• Online payments. The Internet is full of payment systems. Clients can make internal transfers at any time of the day. The funds will be delivered within half an hour. The sender will be charged an additional fee.
• Money transfer system. Users have access to both domestic and international systems transfer of payments. The service is available in banks that are partners of payment services. Payments are made both within the Russian Federation and abroad.

Minimum commission for transferring funds

Today, most banking institutions in the Russian Federation offer clients the opportunity to apply for the service money transfer. This variability causes difficulties for users when choosing a bank that provides favorable conditions translation.

One of the main conditions that users pay attention to is the commission for financial transaction. This section contains a list of banking structures whose tariffs are the most optimal.

Alfa Bank

Sberbank

AK Bars Bank

YUG-Invest Bank

Terms

Each banking structure offers its clients to carry out financial transactions under certain conditions.

Detailed information is presented in the table below.

Name of banking institution	Currency	Limit on transfer amount	Payment delivery times
Alfa Bank	rubles; foreign currency	200 thousand rubles15 thousand dollars	from 15 minutes to 3 days
Sberbank	rubles; foreign currency		from 5 minutes to 3 days
AK Bars Bank	rubles;	500 thousand rubles; 5 thousand dollars	during the day
YUG-Invest Bank	rubles; foreign currency	600 thousand rubles, 20 thousand dollars, 15 thousand euros	from 10 minutes to 3 days

Video: Looking for the minimum commission

How to send

Banking structures providing money transfer services have created convenient service for its users. Each client is provided with several alternative ways sending payment.

Among them are the following:

• bank branch;
• online mode;
• self-service terminals.

Bank branch

In order to send a money transfer, users only need to visit a branch banking structure and implement the following actions:

• Drawing up an application. Those wishing to make a money transfer need to contact employees of the banking structure, who will help to correctly draw up an application for carrying out a financial transaction.
• Information about the transfer. The bank employee, having specified the transfer data: recipient's full name, country, amount and currency of payment, indicates to users the cost of the commission, transfer number and bank branch that are necessary to receive funds.
• Package of documents. To process a money transfer, the sender to mandatory must provide the employee of the banking institution with identification documents.

Online mode

In order to use Internet banking services, bank clients need to go through a simple registration procedure. Opportunities for account holders online service significantly expanded, they can perform any financial transactions without leaving home.

To transfer funds online, you must follow the step-by-step instructions:

• Log in to your personal account.
• Find the “payments” tab and indicate the type of transfer: to the recipient’s bank card or to a branch of a banking structure near his residence address.
• Specify the transfer details: currency and payment amount, recipient's full name, card number or address.
• Confirm the operation by entering the password from the SMS from the bank.

Self-service terminals

This is perhaps the most quick way send money. Users do not need to present documents or fill out forms.

All you need to do is follow a few simple steps:

• Select the money transfer service in the main menu.
• To authorize, paste your bank card, if it is missing, enter the password from the SMS from the banking structure.
• Indicate the transfer information: the recipient's account or card number, as well as his full name, amount, payment currency.
• Confirm the financial transaction and receive a message with the transfer number, which must be communicated to the recipient.

Documents

If users decide to make a money transfer through a branch of a banking structure, they need to comply with the requirements established by one or another institution.

First of all, we are talking about providing documents that will allow a bank employee to identify the sender.

Among the documents that must be presented to senders by employees of the banking structure are the following:

• passport confirming Russian citizenship;
• for military personnel: military ID, sailor’s passport, etc.;
• for citizens of other countries: residence permit in the Russian Federation.

How to get

Today, clients of most banks can use two ways to receive a money transfer: through a branch of a banking structure or a self-service terminal.

The management, creating comfortable conditions for users, provides the first method for those recipients who want to pick up the transfer in cash, and the second for those who want to transfer it to a card.

The procedure for receiving a money transfer is characterized by the following features:

• Bank branch. To receive a money transfer, users only need to visit a branch of a banking institution and present an identification document to the employees. Then the user needs to give the transfer number and receive the funds.
• Self-service terminal. Users just need to select the “receive transfer” option and log in. After this, you need to enter the transfer number and the number bank card, to which funds will be received. After confirming the operation with the password from SMS, the procedure will be completed.