To cash a check. In which bank to cash a check of a foreign company (return for collection)? No more

To ensure the safety Money when traveling abroad, you can purchase traveler's checks.

What are Travelers Checks?

Traveller's check is financial instrument, representing the obligation of the issuing company American Express to pay the amount indicated in the check to the owner based on a sample of his signature.

What are they needed for?

• Free recovery

  In the event of loss, theft or damage, traveler's checks can be restored in the country where you are, if all terms of the Purchase Agreement... Contact the American Express Refund Center for advice.

• Ease of handling

  American Express Traveler's Checks are issued in various denominations in euros (50, 100, 200, 500) and US dollars (50, 100, 500).

• Unlimited validity

  Already purchased traveler's checks do not have to be used in one trip - they can be kept at home as long as you like until your next trip, since the validity of traveler's checks is unlimited.

• Practical to use

  American Express Traveler's Checks are widely used all over the world (except for countries that are subject to US economic sanctions). You can exchange them for cash in local currency at many banks and exchange offices. In some countries, shops, restaurants and hotels accept checks themselves. In any case, you must have your passport with you.

• No restrictions on export

  According to the legislation of the Customs Union of Russia, Kazakhstan and Belarus, it is allowed to export abroad any amount in traveler's checks. At the same time, it is important to declare them in writing if total amount in traveller's checks and cash equivalent will exceed USD 10,000.

How to use American Express Travelers Checks

To cash out signed American Express Traveler's Checks, you must show your passport to the cashier, and in his presence, put a second signature in the lower left corner of each check. The cashier will compare the identity of the signatures and check the status of the checks in the American Express information base, after which he will issue money in rubles or another currency.

When cashing American Express traveller's checks at Svyaz-Bank, a commission is charged in accordance with the bank's tariffs for operations with traveller's checks for individuals... We recommend that you clarify in advance the information related to the conditions for accepting and cashing American Express traveller's checks.

Information on the terms of cashing can be clarified by calling the Moscow phone +7 495 9-333-111 and the American Express information service toll-free for Moscow and the regions of Russia at 8 800 200-222-0. The information service is open daily from 9:00 to 22:00 (Moscow time).

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A check is a bank document confirming the willingness of the account holder to pay a certain sum of money to the bearer. In Western countries, it is one of the types of remuneration, and is also used, along with bank cards, to receive earned for participating in partnership and sponsorship programs. The check is sent by mail to the specified address, after which it must be cashed in one of the branches of the Bank of Russia.

But, sadly, practically none of the banks in Russia accept order checks from individuals for collection. Banks, most likely, are much more profitable to issue loans at exorbitant rates, but to fulfill settlement and cash services legal entities and individuals

affiliate program Google adsense enables owners to monetize their web resources. But cashing a personal check in Russia is a serious problem. A year earlier, the bank accepted personal checks for collection VTB 24... By the way, with a fat commission, but accepted. In 2017, VTB24 Bank stopped accepting order checks from individuals for collection. Financial giants of the country such as Sberbank and Alfa-Bank. Promsvyazbank from 10.11.2014 does not accept personal checks of foreign issuers for collection, Rosbank currently also does not work with checks. Incoming, along with the above, in the top ten best banks in Russia, Post Bank and UniCredit Bank traveller's checks and checks for collection also do not work.

The only one who provides this service is Citibank... But he accepts personal checks for collection in foreign currency only for bank clients, that is, for those individuals who have their own personal account with this bank, Check cashing is performed only in the bank branches in Moscow and St. Petersburg, and with a good commission.

Possible risky way of obtaining real money through services ePayService and eCoin... The main thing is to be sure that the letter with the check will not mysteriously disappear and will be delivered to the specified address.

With a check from Google, you can currently receive the money earned from advertising through the post office using the system Rapida... Rapida is a payment system that allows you to receive AdSense payments in cash worldwide through the system remittances Rapida. In the mail, this system is called Cyber ​​Money. But if you have friends and acquaintances in the country where the check was issued, ask them for help.

Is it possible to cash a check foreign bank in Russia? It is possible, but it will cost a lot, and the procedure takes 1-2 months.

To the editorial board of "F." the owner of a Bank of New York personal check for $ 200 asked to tell how he could cash it out in Russia. It turned out that not everyone provides such a service. large banks... According to the results of calling the largest credit institutions it turned out that Sberbank, Rosbank, MDM-Bank, Promsvyazbank did not work with registered commercial checks issued to individuals. The call center of Alfa-Bank reported that its Moscow offices do not deal with the collection of registered "physical" checks.

This situation is easy to explain. According to the interviewed "F." bankers, the demand for this service from the population is low: it comes about one-time transactions, therefore, sometimes even on the websites of some banks, tariffs are not indicated - that it is possible to cash a check only in call centers. At the same time, telephone operators do not always have complete information about the commissions charged from the client and ask to come to the branch.

Collection of a personal check of a foreign bank in Russia is expensive. The final amount of the client's expenses for cashing out consists of three main parts: the bank's commission for the service (1-2% of the nominal amount of the check), the commission of the foreign issuing bank (if it is assumed by the tariffs) and the costs of the Russian bank ( postage, settlements with correspondent banks). As a result, the total commission reaches 4-6% of the nominal amount of the check.

It is imperative to remember that the owner can get the "cash" in his hands no earlier than 1-2 months after the application is made in Russian bank... It is necessary to compare this period with the validity of the check itself - often it is necessary to cash the amount indicated in the document within three months from the date of issue. It is advisable to have a document with you, which indicates the source of funds, the amount of which is indicated in the check. Suppose, if you received a fee in this form for the work done, you need to ask the customer for a supporting document. Banks need such certificates to currency control, that is, monitoring the origin of funds intended for the recipient. The presence of such a document is not required everywhere, but the bank has the right to ask for it.

Sometimes the obligatory condition for collection is the payment of a guarantee fee. If the check is successfully refunded, the deposit is returned to the client; otherwise, it remains with the bank as compensation for costs. "Incoming" commission, that is, the collection upon delivery of a check for collection, is provided for by almost all Russian operators, and these funds are not returned to the client even if the check is not paid.