Western union in rubles. Western Union transfer fees
All modern people highly value mobility and efficiency. That is why, if you need to list cash to another person, and to do it as soon as possible, most do not think about which program to choose. People choose Western Union money transfer.
It is about the system of instant money transfers, functioning in almost all countries of the world. This is very convenient, because in this way you can quickly transfer money abroad through Western Union knowing that the addressee will receive the funds in just a couple of minutes.
How is money transfer made through Western Union
Let's take a closer look at what you need to transfer Western Union money. To carry out an operation, it is enough to come to any bank branch where such transfers are provided. You need to have your passport with you. V financial institution you will be given an application to fill out. The procedure will not take much time. Here you need to indicate complete information about the recipient: full name, address, amount to be transferred, as well as the required currency.
When the money transfer via Western Union is completed, the recipient will be able to cash out the funds in a couple of minutes. To do this, he will need to come to the bank branch with his personal passport. Before receiving money by Western Union transfer, a person will have to fill out a form to receive money. Here the data of the sender, the amount that was transferred by him, and also the control code are indicated. It consists of 10 characters and is issued to the sender after the funds have been sent. And so that the second party can receive a money transfer through Western Union, she will definitely need to provide this code.
Service tariffs
Of course, the cost of translation plays an important role. And if you need to save money, it is better to use a regular postal order. If you want the money to go abroad as soon as possible, then, of course, it is better to make a transfer through Western Union.
Western Union money transfer commission will be a certain percentage of the transferred sum of money... It should be noted that it also differs depending on the state where the transfer is made:
- to the states of the near abroad - a commission of 150 rubles. when transferring an amount up to RUB 7500 All that is above is transferred with a commission of 2% of the amount;
- to non-CIS countries - here the commission for transferring money from Western Union will depend directly on the recipient country and the amount transferred, it can vary between 250-3000 rubles.
In any case, money transfers abroad from Western Union remain very popular, because they represent a convenient and reliable service. They allow you to make transfers in different directions, to be completely sure that the money will go to the recipient.
It should be noted that in cases where the transfer is carried out in favor of a legal entity, the tariffs for money transfer via Western Union are increased. An amount up to 90,000 rubles can be transferred to the recipient by paying a commission equal to 450 rubles. All amounts exceeding 90,000 require payment of a commission of 750 rubles. If the transfer is made in dollars, then the commission for the provision of services will be $ 15 for the transfer of an amount up to $ 3,000 and $ 25 for the transfer of an amount from $ 3,000 to $ 5,000.
Such conditions of money transfer Western Union offers to its clients. And these numbers are quite reasonable.
Western Union is international system money transfers, which offers high quality services. The company has a wide branch network, which is supported in almost all countries of the world.
Tariffs and benefits
The company's commission is 1-2% (minimum 100 rubles).
Detailed rates are presented below:
Main advantages:
- the ability to receive money in a few minutes;
- a large number of service offices;
- low commissions;
- sending money in any currency of the world;
- high level of payment security;
- the ability to send money online;
- the presence of a loyalty system;
- promotions are constantly held, thanks to which you can save on payment.
How to transfer money via Western Union
Do not forget that the size of the commission depends on the country in which the money, currencies and amounts are sent, and that the only significant drawback of Western Union is the unfavorable internal exchange rate.
Online sending money
If you have an account in the system, the dispatch is carried out remotely.
In this situation, it is enough:
- log into your account;
- select the appropriate menu item;
- fill in payment details;
- transfer money to a personal account in the system (from a bank card);
- send them to the recipient.
The whole process takes no more than 10 minutes.
Transfer to a bank account
A unique advantage of the company is the ability to transfer to a bank account. This is possible in a number of European and Asian countries. During payment processing, you will need to indicate the account number.
But then the funds will be credited longer. Depending on how quickly the financial and credit organization can process the transaction, the receipt will take from 1 to 5 banking days.
In the department
To do this, follow these steps:
- come to the service office;
- name the full name of the recipient (if there is no patronymic, then only the surname and first name);
- indicate the country and city of departure;
- name the departure currency;
- provide a passport;
- check the correct filling of the payment document by a specialist;
- make payment taking into account the commission;
- get MTCN or transaction control number.
The MTCN is listed in the upper right corner of the payment document. It must be passed on to the recipient. Without this data, he will not be able to receive money.
If the sending currency differs from the receiving currency, then the conversion takes place at the internal rate of Western Union. You can find it out on the company's website.
How to get a transfer
Usually, the company does not send an SMS notification that the money has arrived at the branch and is ready to be issued. When the sender provides the transaction code to the recipient, the latter can be sent to the bank for money.
You can receive a Western Union transfer from the company's partners, providing a passport and transaction number, money is issued in cash.
In which banks can you receive a Western Union transfer?
The current list of partners is indicated at: westernunion.ru/ru/ru/find-location.html.
Sberbank and VTB do not work with this system. But the majority of commercial banks, which do not have a share of state capital, continue the partnership. Among them are Bin Bank, Alfa-Bank, Otkrytie, Levoberezhny and many others.
How to check the status of the transfer
This can be done on the website of the system. This will require:
- enter the corresponding tab located on the main page;
- indicate MTCN;
- if the transaction code is unknown, then it can be traced by the name of the sender;
- to get data.
If the money is being processed, then it is impossible to receive it. If such a problem lasts more than a day, then you need to contact a specialist for help. This must be done by the sender. Funds are usually available almost immediately after the transfer.
At the same time, there is no binding to any service office: the client can contact any office within specified by the payer settlement.
If an error is found in the payment document
Money will not be issued if, as a result of data verification, it turns out that the information in the passport does not match the information in the payment order. Often foreigners transferring money to Russia indicate a patronymic instead of a surname or first name. Then it turns out something like Ivan Ivanovich Ivan.
In this case, it is necessary:
- inform the sender about the error;
- revoke the current payment by the sender himself (the commission is not refundable, since the client's fault);
- make a new transfer of money by filling in the data correctly.
No commission is charged for a refund if the money has been processed for a long time through the fault of the company.
What is a loyalty program
Western Union offers a loyalty program to its customers who are constantly making various transfers.
It involves the accumulation of bonus points, which you can use in the future at your own discretion:
- making a transaction without commission;
- receiving various souvenirs and gifts.
What kind of suggestions you have can be checked with the company. And also how many points you need to accumulate to receive the bonus. The higher the transfer amount, the more points you can accumulate. But they burn out after 12 months if the client did not manage to spend them.
07.06.2017 0
Modern financial system provides the broadest opportunities for receiving money transfers in any locality on the planet. Transfers from Western Union (receiving and sending money) occupy a leading position in the market. The company has become a true international example of decency, fast service and convenience. Its branches are located all over the world, covering the majority financial institutions... If you need more detailed information for the work of the company, then it will always be provided in post offices or banks in Russia.
Transfers from Western Union are receiving and sending money anywhere in the world. And they are available on the official website online.
- It is enough to go to the Western Union resource. At the bottom of the page there is a link "Get money".
- After clicking on it, a page will open where the button "Find a branch" will be displayed.
- You must select a country, city and click "Find".
To enhance visualization, the system provides a map with the location of the departments. A feature of the company's work is the sending of funds to the country where the recipient lives. You can get a translation at any convenient branch, there are many of them.
In order for the recipient to be able to receive money at a post office or bank, he must have a special digital code and know the amount of the transfer.
Such information can be safely transmitted to the recipient by telephone or email. Another person will not be able to receive money, even if he finds out the data.
With this information, you need to go to the point of issue of WesternUnion transfers. They can be easily recognized by their characteristic company logo on posters or stickers. For identification, an employee of the department will require a passport.
When sending a transfer, a certain commission is charged. The recipient is completely exempt from any additional payments. He receives the full amount in his hands.
To receive funds, you must first fill out the form proposed by the department employee. To do this, you need to enter the following information:
- personal data of the recipient;
- the amount of the transfer;
- select the currency in which the funds are transferred;
- locality and the country of the recipient of the transfer.
The form is intended for handwritten filling. For readability, each letter fits into a separate cell. Better to use when filling in a printed font.
How to transfer money through Western Union online (via the Internet)
To make a Western Union transfer (for example, to China, Ukraine, Belarus, Kazakhstan, Germany, Russia or to any other country) online, you need to go to the official website page.
- The main page of the Western Union website will open, where you need to click " Send online ".
- Then a page will open to select the country of destination, set the transfer amount, fill in the recipient's details and click “ Proceed" .
- The system will offer to choose a payment method and transfer the money to the specified person.
You do not need to have special knowledge to successfully carry out transfers from Western Union: receiving and sending are relevant to everyone who has relatives abroad.
Money transfer via Western Union via mail
To do this, you need to contact any post office of the Russian Federation or a bank that is connected to the Western Union system. The sender must have an identity document with him and the required amount of money. In this case, do not forget about the commission. The document can be:
- internal or foreign passport of a citizen of the country;
- seaman's passport;
- serviceman's certificate;
- a temporary document replacing the passport.
When visiting a post office or bank, you should ask an employee to get a letterhead.
Transfers within the territory of one country are carried out in local currency, so there is no need to perform conversion actions. For transfers abroad, US dollars are usually used as the universal currency. In this case, the recipient has the right to choose the option of receiving: in local currency or dollars.
How to make a transfer correctly so that it finds its recipient exactly? To do this, it is enough to send the digital transfer code, for example, by SMS or by phone. One mistake in the code will lead to a refusal to issue money and will require correction.
Western Union transfer fees
Western Union transfers (receiving and sending from abroad) have been available to us for many years. The company has a transparent policy aimed at increasing volumes. For this, the tariffs for the operation in all countries are brought to a single standard. Small amounts are relatively expensive to ship, but offset by the convenience and speed of service. Today the company has a huge number of points around the world.
The amount of the commission fee depends on the size of the transfer and is optimal for large amounts.
No other money transfer system in the world can boast of such a long history of existence. Initially, the company's activities were related to telegraph services. The very first transfers of funds began more than 150 years ago, and since then Western Union has become the most popular organization with offices around the planet.
In order to send money, it is enough for the partner's employee to indicate the country, last name and first name of the recipient in Latin. The cashier is transferred the amount and commission for Western translation Union. After that, the sender receives a document that contains a control number, it always consists of ten digits.
As soon as the system assigns a unique number, the funds are ready to be received. The recipient needs to contact a convenient point for him with documents that will confirm his identity. You need to know the exact amount, who the sender is and the control code. Receiving is not charged, because the percentage for the Western Union transfer is paid once, at the time of sending. An important condition the use of the service is confirmation of the fact of the non-commercial purpose of the translation.
Cancellation, refund and correction of the transaction
It is not uncommon for a transfer to be returned or to correct some data. It is worth figuring out when a cancellation occurs, and when a refund occurs and whether the sender bears any losses in this or that case. If the sender returned to the dispatch office on the day of the transaction, he will not incur losses: the company will return both the amount and the cost of the Western Union transfer. Such an operation is considered a cancellation. If the next day or even later, the commission will be lost. In such a situation, the operation is considered a return.
Sometimes the recipient is refused to pay money for the reason that the name and surname entered in the system do not match the data in the passport. For this case, an adjustment will be required. The sender needs to return to the same office and provide the correct data. This type of operation does not incur losses.
Amount limits
The maximum limits of the amounts that can be sent or received using Western Union are set legislative framework states participating in operations, as well as the limits of the system itself. For example, the system, together with the Russian law, limits the sending of residents to $ 5,000 per day. With regard to currency, the payment is made either in national currency or in US dollars.
You can send both US dollars and rubles. But it is worth knowing that an amount equal to the equivalent will be paid local currency, and the conversion will take place at the rate of the Western Union system or the agent company.
Western Union system tariffs
Citizens wishing to send funds are interested in the rates of Western Union money transfers. The regularity of the tariff scale is as follows: the further geographically the recipient's state is, the higher the cost of the service, the higher the amount, the lower the commission. Conventionally, all partner countries are divided into four categories, taking into account domestic operations, transfer of funds to the CIS countries, near and far abroad.
In rubles
Unlike traditional postal services, the system has an undeniable advantage - the operation is instant. But, legally within Russia, it is permissible to send only national currency- rubles. For today, the following tariffs for the transfer of Western Union in rubles remain effective, in Russia:
(rub) | Commission (rub,%) |
100-10000 | 100 |
10000-100000 | 1% |
Exceeding 100000 | 1000 |
To Kazakhstan and Azerbaijan:
(rub) | Commission (rub,%) |
100 -10000 | 80 |
Exceeding 10000 | 0,8% |
(rub) | Commission (rub,%) |
100-2500 | 250 |
2500-5000 | 500 |
5000-10000 | 750 |
10000-15000 | 1000 |
15000-20000 | 1250 |
20000-25000 | 1500 |
25000-30000 | 1778 |
30000-40000 | 2028 |
40000-50000 | 2278 |
50000-60000 | 2528 |
Given the active trade relations, senders are often interested in the Western Union commission for transfers to China. The same rates are valid for sending to Hong Kong, Taiwan and Mongolia:
To Turkmenistan and Belarus:
(rub) | Commission (rub,%) |
100-5000 | 100 |
5000-50000 | 2% |
50000-100000 | 1,5% |
Exceeding 100000 | 1% |
From Russia to Ukraine:
To non-CIS countries:
(Doll) | Commission (USD,%) |
3-100 | 10 |
100-200 | 20 |
200-400 | 30 |
400-600 | 40 |
600-800 | 50 |
800-1000 | 60 |
1000-1200 | 71 |
1200-1600 | 81 |
1600-2000 | 91 |
2000-2400 | 101 |
To Vietnam, Taiwan, China, Mongolia:
To the Czech Republic and the Baltic countries:
To Georgia, Tajikistan, Moldova and Kyrgyzstan:
To Belarus:
To Uzbekistan:
To Ukraine:
Before sending, it is worth checking what percentage Western Union takes for the transfer today, because the prices change periodically.
Transfers to legal entities
Several years ago, the company began to carry out operations to send money abroad to the address legal entities... The popularity of this service is growing every year. Such operations are performed:
- to pay for the tuition of students of educational institutions around the world;
- to pay for purchases in online stores of any country;
- payment for tourist vouchers;
- payment for all kinds of services provided by foreign organizations.
After the transfer enters the system, the recipient organization will be notified via email confirmation. And on the next operating day the money will be credited to the firm's account. For successful sending, it is necessary to provide the employee of the system point with information about the company and requisites.
Translation to foreign legal entities. persons are produced in US dollars. And the enrollment takes place in the currency that is provided for each specific organization. If the client deposits an amount in rubles when sending, it will automatically be converted into dollars. The size of the tariffs for the border to legal entities in dollars depends on the amount:
In rubles:
Amount (rub) | Commission (rub,%) |
1-90000 | 450 |
90000-150000 | 750 |
The restrictions on the amount of sending are similar to the operations performed in favor of individuals. persons. According to the laws of the Russian Federation, a client can send a sum of no more than $ 5,000 in one day.
Advantages
In addition to loyal tariffs, Western Union transfers have many advantages over similar systems:
- The largest network of representative offices around the world, which successfully operates in more than 200 countries, where more than half a million points are open. More than thirty-five thousand such points have been opened on the territory of the post-Soviet countries.
- To carry out operations no account opening required a, this applies to both sides.
- Speed, simplified design, reliability and convenience... The transfer can be received immediately, regardless of the distance at which the recipient is. According to the official data of the company, for the entire period of its existence, not a single transfer was lost and did not reach the recipient.
- Possibility to send a written message and notification along with money.
- Security... World-class protection ensures that only the person designated by the sender can receive money.
- Such a transfer is not considered to be addressed, which means that you can get it in any city in the recipient's country. For comparison: there are some address transfer systems, using which, it will be possible to receive only at the address of the point specified by the sender.
These characteristics make the system even more competitive and preferred by consumers.
Additional WU services
In addition to quick dispatch, the sender can take the opportunity to order one of the provided additional services... For example - a security question, another additional measure of protection. To use it, it is enough to indicate a security question in the form and send the answer to the recipient of the transfer. The translation will be issued only when the recipient gives the correct answer.
Also, for a separate commission, you can order a notification of the recipient by phone. Sometimes it is convenient for the sender that the transfer is paid by check, this is also possible using the system, but this service does not work for all countries.
The most popular is the service of sending a text message. Most often it is used to congratulate the recipient with words along with a material gift. However, the message is limited in number, it cannot be more than 20 words.
Western Union Gold Card
To maintain its competitiveness, the system does not stand still, constantly improving and introducing new additional products. One of these developments is the Western Union Gold Card, which is issued to regular senders. On the territory of Russia, such plastic began to be issued since 2008. The geography of the new service is constantly growing; now they are successfully issued in more than 65 countries of the world.
The gold card gives certain advantages to regular customers-senders. For each transfer sent, incentive bonuses are received on it. Due to them, the sender gets the opportunity to reduce the tariff for the subsequent operation. Such a card significantly reduces the processing time: using the system database data, the client is identified faster.
The only condition for obtaining such plastic is the frequency of operations performed at least once a year.
Modern ways to send and pay
If earlier to complete the operation it was necessary to contact one of the points of the system partners, then modern technologies allow you to choose the most convenient way, individually for each client. Now money can be sent or credited by yourself even while sitting at home. For this, card accounts must be opened in any bank. Having access to his online account, the sender himself fills out the proposed form, indicating all the necessary data of the recipient. The transfer amount together with the commission will be debited from the specified card, and the system will generate a control number, and it must be transferred to the recipient. Likewise, the recipient does not need to personally contact the bank. You just need to fill out the form in your online account, indicating the control code and account for enrollment.
Operations carried out using ATMs are no less convenient. Using a simple menu, you can make a shipment with a plastic card with a sufficient amount in the account. Such Alternative option convenient on weekends when points are closed.
Not having plastic card you can send via TCO (self-service terminals). The disadvantage of such an operation is the limitation on the transfer amount, which cannot be higher than 15,000 rubles.
If you need to transfer cash rubles, then you can use one of the post offices, which are partners of Western Union. To complete a transaction, the client needs to have a document with him. Actual rates, addresses, contacts and working hours of partner points can be found on the Western Union website. In addition, there you can check the status and status of the sent transfer, and take advantage of the opportunity to send money online.
Many are faced with the need to transfer money from abroad or abroad for various reasons: work trips, tourist vacations, change of residence, etc. Western Union is a large international system that allows you to transfer money safely and quickly. Let's talk about how to transfer money to Western Union using various methods.
What you need to transfer money Western Union
What do you need to transfer money through the Western Union system? In most cases, only the recipient's data is required to complete the transaction, but in some countries, when visiting the office to make the transfer, the sender will also need to present an ID.
It is also necessary to have the transfer amount in cash or on a card, taking into account the commission charged. You can find out the amount of the commission on the WU website.
Depending on the type of transfer, you may need information about the recipient's bank account or additional information... Also, when making a cash transfer, it is necessary that there is a Western Union point in the recipient's city. This information can also be clarified on the website of the system.
Step-by-step instructions for performing a translation
Making payments and transfers through Western Union is very fast, because. the system is maximally optimized for the user and easy to use. Here is a step-by-step instruction:
- Find out the details of the recipient of the money. Before transferring money, find out the person's full surname, first name and patronymic. In addition, you will need to name the exact country and city of departure.
- If you are sending money overseas through the company's office, then you will need to fill out certain forms. First of all, you should indicate the name of the recipient. If the transfer is made to a bank account, then you will also need to indicate the BIC and IBAN - these are the values that are assigned all international bank accounts and also the recipient's bank account number. Some countries may require additional information from the sender and recipient - for example, a statement of income. Information about these conditions should be found on the official WU website.
- Write down the MNDP - the control number of the money transfer - and inform the recipient of it, because. it will be needed when receiving funds.
Another way to send money abroad is to use the official website to send money. There you will need the same information and operations, with the only difference that you perform them from home or any convenient place through a web browser. However, not all countries allow online transfers - in this case, you will have to come to the office in person.
What percentage does Western Union take for money transfers?
The minimum commission for Western Union shipments is 1%. In addition, there may be a hidden commission in transfers - the system takes money for service, converting the transfer currency at the internal rate.
Otherwise, the percentage of money withdrawn abroad varies depending on the country and the conditions of Western Union functioning on its territory. For example, some countries do not provide the ability to make transfers through this system to a bank account at all. So, in Ukraine it is impossible to transfer funds to a Sberbank card, because. the bank has suspended services in the country.
For each specific state, the terms of the transfer should be specified on the official website of the system. Besides, required list conditions will be automatically shown to the sender when making a payment on the website or in the office of the company.
How much money can be transferred through Western Union
Residents of Russia can send money via Western Union to another country to a bank account at the branch of the payment system with a limit of 5,000 USD per transaction. If a foreign citizen is engaged in the dispatch, maximum amount money transfer increases to 7,499 USD. Before sending money, you must familiarize yourself with the list of available countries, since. not every country has banks accepting available transfers. Among the states available for transfer to a bank account at the moment there are Turkey, Finland, Poland, Italy, the USA and other popular tourist destinations.
To transfer online to the branches of the payment company itself, it is available where more countries... Among them are our border states - Ukraine (except for transfers to a Sberbank card), Belarus, Kazakhstan. For one operation, you can transfer up to 100,000 rubles, and per month - up to 600,000 rubles. At the same time, 5 transactions per week and 7 - per month are available for the sender.
How to get money via Western Union transfer
In order to process the receipt of money through the Western Union system, you must come to the branch of the company, taking your identity card with you and knowing the KNDP that the sender told you. You can familiarize yourself with the location of WU offices on the official website of the company.
Then you need to show your ID card to the company employee, the details of which will match the data specified when sending the payment. Fill out the form with your details and payment code. After that, the employee will give you the required amount.
Important! In the event that funds are transferred to your bank account, no special action is required from the recipient. The money will be credited within guaranteed term, and then you can get them usually in the way provided in the beneficiary's bank.
How to transfer money from Germany to Russia via Western Union
Western Union transfers are one of the most reliable and proven ways to send money from Germany to Russia. The company has many points of reception of transfers, and in Berlin alone you can find more than 400 such points. Their location can be easily found through online cards or in the corresponding section on the payment system website. In order to transfer money from the payment acceptance point, it is enough to contact the employee and provide the necessary payment data and payment details.
To transfer funds yourself and without leaving home, you can use online banking... To do this, go to home page Western Union website and select in the appropriate fields the corresponding country of departure and destination - Deutschland and Russland. Next, in the field with the value of the amount, you should indicate the amount of the transfer in euros.
After selecting the values, the tab for selecting the type of receipt in Russia will open. It will need to indicate where the money will be transferred - to a bank account or to a Western Union branch for cash withdrawal.
Then the account for debiting is selected - from bank card, banking bills or by personally depositing cash at the nearest branch. The most profitable solution would be to choose to write off money from VISA cards or MasterCard, and sending money to a bank account. In this case, the system does not formally deduct a commission, however, the deduction to the bank occurs due to currency conversion at the internal rate of the system. The term of such a transfer will be 1–2 days.
Another way to send remittance from Germany to Russia - send money from the card to the Western Union point of issue. Such items are credited almost instantly, but you will have to pay a commission of 2.99% for the speed.