Who issues cards like a golden crown. Credit card "Golden Crown": conditions and requirements for borrowers
The Golden Crown service allows you to make money transfers without opening any bank accounts through a wide network of points located in the following countries: Belarus, Abkhazia, Greece, Azerbaijan, Belgium, Israel, Bulgaria, Georgia, Spain, Kazakhstan, Italy, China, Latvia , Kyrgyzstan, Moldova, Russia, Turkey, Nepal, Mongolia, Ukraine, Uzbekistan, Czech Republic and France.
The largest city in the Russian Federation is Moscow, so it is obvious that many people are interested in where to get the Golden Crown transfer in Moscow. To begin with, we note that obtaining funds is quite simple.
You need to come to one of the service points located in your city, in this case - in Moscow. You must have your passport with you to prove your identity.
You will also need to name the transfer number, information about which was received via SMS to your phone immediately after the transfer was sent. This service is available for payments equal to or greater than 2,500 rubles or $50.
list of banks for receiving Golden Crown transfers in Moscow
You can receive a transfer in almost every bank, here is a list of just a few of them:
- "Yenisei", located on st. 1st Bukhvostova 12/11.
- "MTI-Bank", which is located at per. 2nd Kotlyakovsky 1, building 6. The facility operates from Monday to Friday.
- in Euroset branches, which are located all over the city.
- in the branches of the Svyaznoy chain of stores, which can be found in every district.
- "Kapitalbank" at Simferopolsky boulevard 19, building 1.
- in the branches of the MTS operator;
- in the office of Beeline representatives;
- "Uralsib", at the address Izmailovsky boulevard 55.
- Globexbank, located on Novinsky Boulevard, 31.
- "Financial Standard", 14 Orekhovy boulevard, building 3.
- CB "Intercommerce", Boulevard Petrovsky 23.
- "NS Bank" on Warsaw highway, house 152 building 11.
- "SDM-Bank" on Volokolamsk highway 73.
- Lanta Bank, Gogolevsky balvar 23.
- "MOSURALBANK" on embankment Raushskaya 22/2.
- "Maximus" st. Ozernaya house 42.
- "Zerich", lane Vsevolozhsky 2/2.
- "KredPromBank", lane Zvonarsky 7, building 2,3.
- "Rubank", lane Nakhimovsky 32/2.
And many other bank branches in the city.
Transfer fee
Receiving funds through the system of international transfers "Gold Crown" is free of charge, since all commissions and the cost of services are paid when applying for sending funds.
transfer restrictions
Please note that in Euroset stores you can receive cash transfers, the amount of which does not exceed 30 thousand rubles. If the amount still exceeds this value, the funds will be credited to your "Corn" card. To do this, you need to call the free number 88007007710 and confirm the procedure for crediting money to your credit card.
If you do not have a card, then you should contact one of the Euroset salons, taking your passport with you, and ask to issue it. After that, you can immediately credit funds to your card.
This procedure will take no more than 5 minutes. It is also necessary to take into account that in this case the transfer must be in Russian rubles and must not be a loan from a microfinance organization. It is also not allowed to withdraw funds from the "Corn" card using the "Interest on the balance" service.
A money transfer by the Golden Crown can be stored for up to 3 years, after which the sender will have to contact the bank point where he sent the funds to return it.
Money transfers "Zolotaya Korona" are transfers without opening an account, an important feature of which is addresslessness. Those. You can get money exactly where it is closer, faster and more convenient.
Actually, the essence of the procedure is that each transfer is assigned a unique number, knowing which, the recipient can pick up the funds addressed to him. The transfer is carried out instantly - in a few seconds the money will be available to the addressee.
The Zolotaya Korona system has been operating on the market since 2003 and cooperates with many banks (today there are more than 550), in whose branches you can send or receive a transfer. Of the most famous - Mosoblbank, Uralsib Bank, Moskombank, Orient Express, Sovetsky Bank, MDM Bank and others. I must say that many users regret that among the partners of the system there are no such large financial institutions as Sberbank, Gazprombank, Bank of Moscow.
But on the other hand, you can send "hard-earned money" at any office of the Svyaznoy, Euroset, MTS, TNK-BP retail chains. In total, there are more than 49,000 service points in all countries where Zolotaya Korona operates.
About tariffs
Many users find Zolotaya Korona tariffs to be quite attractive, but it all depends on the amount and the country of the direction of the transfer. So, for example, for transfers from card to card in the system, a tariff of 0.5% (min 25 rubles) applies.
In addition, a 0% tariff applies for sending transfers in foreign currency with conversion at the system rate at the time of the transaction (the tariff is valid from 06/10/2015 in the banks participating in the service). In order not to pay a commission, it is necessary, when making a transfer at the bank, to select a currency convenient for the recipient (rubles, dollars, euros, one of the national currencies), and pay for the transfer in a currency other than the transfer currency. For information about available currencies for each country, check with the bank operator when making a transfer. The list of points for sending transfers at a rate of 0% can be found in the information center: +7495 9600 555 (round the clock).
Where and in what currency can I transfer
The Zolotaya Korona system allows you to send funds across the territory of Russia, the CIS, Georgia and to some far-abroad countries.
The website of the system indicates that money can be transferred in rubles, US dollars and euros. Let's clarify some nuances. For example, Vostochny Express, Smartbank and Uralsib Bank work (except for rubles) only with dollars. You can transfer euros at the branches of Otkritie Bank, Art-Bank, Rosenergobank, etc.
How to send a Golden Crown transfer
You can send money using the Golden Crown system in three ways:
- Through an employee in a branch of a partner bank or a Svyaznoy, Euroset, MTS store by filling out an application for a transfer;
- With the help of the self-service kiosk "Money transfer cash desk" and at ATMs that accept cash (for example, Cash-in ATMs of Accept-Bank, payment terminals of Uralsib Bank);
- Through the Internet .
When making a transfer for the first time, only available first way . In this case, the following actions are performed:
1) You present an identity document;
2) Fill out the application, where you indicate:
Transfer direction (only country and city);
Full name of the recipient (be careful, you need an exact match with the passport data!);
Phone numbers (your own and the recipient's);
3) Deposit money to the cashier (including commission);
4) The transfer is assigned a number of 9 digits, which should be known only to you and the recipient;
5) The recipient receives an SMS message with the transfer number, by which he will collect the money.
We draw your attention to several important points.
First of all, some partners of the system (for example, Moskombank and Bank "Accept") require you to specify not only the city of the recipient, but also the bank to which the transfer is made.
Secondly, these and other banks provide an opportunity to increase the security of the transfer using a security question (do not forget to tell the recipient the correct answer).
Thirdly, not all service points support the service of automatic SMS informing (for example, Otkritie Bank and Smartbank have such a service, and Uralsib Bank and some others offer to transfer the “cherished” number to their loved ones on their own). In any case, we advise you to play it safe (especially if you are sending for the first time): it is better to contact the recipient and personally tell him the transfer number, as well as the fact that it was sent via the Golden Crown system.
When you first make a transfer, you will be prompted to receive Money transfer card , which contains the necessary information about you and all the recipients you specified. Do not refuse - it is issued free of charge and is designed to facilitate the process of sending money in the future. With the Money Transfer Card, you are relieved of the need to fill out the application form every time, it is enough to hand it over to the employee and present your passport.
Only cardholders can use second way sending a transfer - through a self-service kiosk or an ATM. It is necessary to insert the card into the receiver and enter the PIN code; select the desired recipient from your list and the currency in which he will receive the money; insert banknotes (only in rubles) and confirm the amount; receive a check with the transfer number indicated, and inform the recipient of it.
To send money third way (i.e. via the Internet), you need to receive and replenish the “Kukuruz” card in the Euroset salon, go to the Payment Account on the website http://kykyryza.ru (tab “Money transfers”) by the card number and make a transfer from card balance. If the recipient also has a card "Corn", you can send money to it.
Also, transfer via the Internet is possible for clients of financial institutions that support Faktura.ru Internet banking (banks "Accept", "Levoberezhny", "Rosinterbank", etc.). To do this, in your personal account in a specially designed form, you must specify the exact full name. addressee, amount, then select the country and city of receiving the transfer.
How to receive a Golden Crown transfer
You can receive money at the branches of partner banks. To do this, you just need to present your passport and tell the employee the name of the Golden Crown system and the transfer number received in an automatic SMS or from the sender.
You can always check the status of the transfer online - enter the control number in a special form on the official website of the Golden Crown.
As you can see, there are many nuances to consider when transferring funds using the Zolotaya Korona system. We hope our tips will help you.
Transfer from a bank card with cash withdrawal
Holders of bank cards of international payment systems Master c ard, Maestro,Visa issued by any Russian bank can send a money transfer through the website using the Zolotaya Korona online service. The recipient will be able to receive the transfer in a few minutes at any point of issue of transfers of the system. The service is also available to users of the mobile application for Android and iOS devices.
Transfer money from one bank card to another
Holders of bank cards of Visa and Master payment systems c ard of any bank in the Russian Federation can send a money transfer from one card to another using the Zolotaya Korona online service.
The Zolotaya Korona money transfer system is a service of instant addressless transfers that does not require you to open a bank account. The service is part of the Center for Financial Technologies Group of Companies, and has been operating since 2003.
Golden Crown: money transfers
The service works as follows: you can send the amount you need via
- communication stores and retail chains (MTS, Beeline, Euroset, Svyaznoy),
- banks,
- the Internet.
In total, more than 48 thousand points of transfer of funds are provided.
In order for the recipient to receive the money, it is enough to indicate the control number and have an identity document - in accordance with the legislation of the country of receipt.
Tariffs are from 0.5% of the amount sent to the addressee.
You can receive funds literally the next second after sending, and at the address that is convenient for the recipient - there is no connection to a specific branch of the company.
A nice plus: when transferring money in the amount of 50 dollars / euros or 2500 rubles, an SMS notification is automatically sent.
You can control the transfer directly on the system website.
Get Golden Crown
How to get a transfer? To do this, you can use any convenient method. By indicating the place of receipt (country and city) in the column on the official website, you will immediately receive a list of available points so that it is convenient for you to accept the transfer. This can be done at the banks participating in the system.
Important! When making a transfer, the recipient can at any time clarify its status only by the control number.
A nice addition: you can receive a transfer across the Russian Federation through the Golden Crown to a bank card. To do this, it is enough to issue a "Corn" card at any branch of the Euroset.
In addition, the transfer is stored for three years, and only after this time is returned to the sender if it has not been received within this period.
Golden Crown Map
To use the maximum functions of the Golden Crown service, you can issue a special card. The card is used to quickly send money transfers, is issued once, and stores all data about the sender and recipients. This eliminates the need to fill out paper forms when transferring funds. It is enough to provide the Golden Crown card, passport and money. In just a few minutes, a check is provided with the data on the transfer (its number), which will allow the recipient to pick up the money at the point of receipt.
Attention! The system works with both self-service kiosks and ATMs. With their help, you can transfer money without involving employees of the salon or bank. By inserting the card and entering the pin-code received during its registration, you will be able to select the recipient, currency, and deposit funds through the bill acceptor.
Golden Crown system
For 2015, Zolotaya Korona is the leader in the money transfer market, which allows you to transfer quite significant amounts with a small commission without opening an account. The maximum amount for each transfer is
- 600 thousand rubles,
- or 20 thousand US dollars,
- or 15 thousand euros.
In one day, you can send no more than 5 thousand dollars abroad. The commission ranges from 0.5-1% (in the Russian Federation - 1%, but not more than 1 thousand rubles), however, the system warns that the laws of countries may impose restrictions -participants, and their own commissions can be charged by banks through which the sending or receiving of funds is organized.
Comparison.ru advice: If you plan to send money abroad - to Vietnam, China, Turkey, other countries - be sure to check the transfer rates. In some cases, they do not amount to a percentage, but to a specific amount - up to 10-25 dollars for each transfer.March 1, 2017
Greetings! Surely you sent money to someone in another city or abroad. It is easier with Russia: almost every Russian has a Sber card today. And in a couple of minutes, money can be transferred through Sberbank Online.
What if the sender does not have the recipient's bank details? Or the card itself?
It is even more difficult to transfer money abroad. although it is considered a super-reliable method, but it will cost a tidy sum. And, not everyone has Yandex.Money.
So it turns out that the good old money transfer systems remain the most convenient option for many. And today I want to write about one of the most popular: Golden Crown - Money Transfers.
So, what are the advantages of this payment system, and how to send a Golden Crown transfer?
Zolotaya Korona is one of the oldest and most extensive money transfer systems in Russia. Money can be sent anywhere in the world through one of 49,000 points. ZK has been represented on the Russian market since 2003.
Transfer from Russia is possible to Belarus, Kazakhstan, Azerbaijan, Georgia, Great Britain, Egypt, Israel, Turkey, China and not only. Today, Zolotaya Korona money transfers are available in 32 countries around the world.
Since October last year, transfers from Russia to Ukraine have not been made. By the way, the services of the "Golden Crown" are prohibited not only in Ukraine. In October 2012, the Central Bank of Armenia terminated the operation of the service in Armenia. In addition, ZK transfers are not available in Sevastopol and Crimea.
A few figures from 2016.
- With the help of the Golden Crown service, individuals made about 34 million transactions for a total of 745 billion rubles
- Compared to 2015, the increase in turnover amounted to 12%
- 66 credit institutions from Russia, Georgia, Azerbaijan, Moldova and Tajikistan became participants of the service
- Italy, Spain, France, Belgium, Austria, Romania, Vietnam, Egypt, Jordan and the UAE joined the participating countries
- Since last year, Zolotaya Korona has been providing an online transfer service. Money from a bank card can be transferred through the website or using mobile applications on iOS and Android (with cash receipt)
- In February 2017, Zolotaya Korona was recognized as a significant payment system in Kazakhstan. In the register of payment systems on the official website of the National Bank of the Republic of Kazakhstan, Zolotaya Korona became one of three with the status of "significant"
Why Golden Crown?
- Fast
The money is available to the recipient immediately after the transfer is sent.
- In different currencies
You can pay for the transfer only in Russian rubles. But other currencies are available to the recipient abroad.
For example, in Azerbaijan, money can be received in rubles, US dollars, euros and Azerbaijani manats. In Kazakhstan, a "troika" of currencies plus tenge is available.
Note! The set of currencies also depends on the policy of a particular bank. For example, Binbank works with three main currencies: ruble, dollar and euro.
- Addressless
To transfer money using the Golden Crown, you do not need to open a bank account. You can get a transfer where it is closer and more convenient.
Why are transfers unaddressed? Because each of them is assigned a unique number that only the sender and recipient know.
How and where to send a transfer?
At the bank, in one of the partner networks or directly from home. Let's look at each of the options.
- Through a bank branch
The Zolotaya Korona system cooperates with 450 credit institutions in Russia and abroad. The list of partners includes: URALSIB, Sovetsky Bank, MDM Bank, Binbank, Rosbank, UGRA, Far East Bank and others. Most of the partner banks are located in Moscow and St. Petersburg.
Any bank that has concluded a cooperation agreement with the company can accept and issue ZK money transfers.
How to send?
- Present your passport to the operator
- Provide information on the recipient: full name, country and city of receiving the transfer, phone number and transferred amount. The exact address of the recipient is not required.
- Transfer money to the operator, taking into account the commission for the transfer
- You receive a cash receipt and a unique transaction code (the recipient will need it)
- Some banks ask you to come up with a security question (the recipient must know the answer)
Additionally, you can activate the SMS-informing service (free of charge). SMS about the status of the transfer will be sent to both the sender's phone and the recipient's phone. The service is available for transfers in the amount of 2.5 thousand rubles or 50 USD/EUR.
- In the salons-shops of chains that cooperate with the "Zolotaya Korona"
What networks work with ZK? For example, Beeline, Svyaznoy, MTS, KNOW HOW, Maximus and Rostelecom.
Money transfers can also be sent through the Euroset. But only on the "Corn" card.
The procedure for sending a transfer through Svyaznoy or another partner network will look the same as in a bank.
- Via the Internet online
An instant transfer from a bank card with cash receipt can be made through: the official website of the Golden Crown and the mobile application.
You can send money from the card of the international payment system Visa, MasterCard or Maestro. The transfer will be delivered to the recipient within a few minutes. You can pick it up at any Zolotaya Korona cash point.
How to send?
- Specify in the form the currency and direction of the transfer, as well as the amount to be received. The system will calculate the cost of the transfer and offer all possible options in other currencies
- Click the "Make Transfer" button. Money will be debited from the card in Russian rubles. There may be additional costs for conversion at the rate of the card issuing bank
- Fill in the recipient's data: full name and phone number. Click the "Specify Sender" button
- Fill in information about yourself. Specify the phone number in the "Phone" field and confirm it with the code from the SMS message
- We check all the data and click the button "Proceed to payment"
Restrictions and tariffs
- You can send up to $5,000 or the equivalent in another currency in one calendar day
- For 30 days, the limit is 1 million rubles or the equivalent of this amount
- For 60 days, the amount of transfers cannot be more than 1.5 million rubles
- For 90 days - no more than 2 million rubles
The cost of the transfer is always paid by the sender.
The amount of the commission depends on the tariffs of a particular bank. As part of marketing campaigns, the price for the transfer may be reduced.
For example, in the Far East Bank, the tariff for money transfers to Azerbaijan and Kazakhstan is now only 0.75% of the amount. The promotional offer is valid until the end of May 2017.
As for the tariffs of the payment system itself, from December 6, 2016, they look like this:
- In favor of the recipient on the territory of the Russian Federation: 1%, but not less than 50 rubles and not more than 1000 rubles. For transfers with conversion (for example, when the transfer will be received in dollars), no commission is charged
- Transfer in favor of a recipient outside Russia - 0%
The above tariffs are valid for sending a transfer from a bank card on the sites exchange.ru, online.perevod-korona.com and koronapay.com.
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