To cash a check. Which bank to cash a check of a foreign company (deposit for collection)? In no more
To ensure the safety of funds during a trip abroad, you can purchase traveller's checks.
What are traveller's checks?
A traveler’s check is a financial instrument that represents the obligation of an American Express issuing company to pay the amount indicated on the check to the holder based on a sample of his signature.
What are they needed for?
- Free recovery
In case of loss, theft or damage, traveler’s checks can be restored in the country where you are, if all were observed terms of the Purchase Agreement . Consult an American Express refund center for advice.
- Easy handling
American Express traveller'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 stored at home as much as you like until your next trip, as the validity of traveller’s checks is unlimited.
- Practicality in use
American Express traveller's checks are widely used all over the world (except for countries subject to US economic sanctions). You can exchange them for cash in local currency at many banks and exchange offices. In a number of countries, shops, restaurants and hotels accept checks themselves. In any case, you must have a 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 any amount in traveler's checks abroad. At the same time, it is important to declare them in writing if the total amount in traveler's checks and cash equivalent exceeds 10,000 US dollars.
How to Use American Express Travelers Checks
In order to cash American Express protected traveller's checks, you need to present 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 database, after which he will give out the money in rubles or another currency.
When cashing American Travel traveler’s checks, Svyaz-Bank charges a fee in accordance with the bank’s fees for operations with traveler’s checks for individuals. We recommend that you clarify in advance information related to the conditions for accepting and cashing American Express traveler's checks.
Information on the terms of cashing can be clarified by the Moscow telephone number +7 495 9-333-111 and the American Express 8 800 200-222-0 information service, toll-free for Moscow and the Russian regions. The information service is open daily from 9:00 to 22:00 (Moscow time).
overheard in Anninsky district:
More than 230 tons of milk per day are now produced at farms and complexes of the Anninsky district
A check is a bank document confirming the desire of the account holder to pay a certain amount 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 earn money for participating in affiliate 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, regrettably, almost none of the banks in Russia accept warrant checks from individuals for collection. Banks, most likely, are much more profitable to issue loans at exorbitant rates, and to provide settlement and cash services to legal entities and individuals
The Google Adsense affiliate program enables owners to monetize their web properties. But to cash a personalized check in Russia is a serious problem. A year earlier, bank accepted collection checks for collection VTB 24. By the way, with a fat commission, but accepted. In 2017, VTB24 Bank stopped accepting collection checks from individuals for collection. Do not accept checks for collection and such financial giants of the country 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 with travel checks and checks for collection also do not work.
The only one who provides this service is Citibank. But he accepts for collection personal checks in foreign currency only from the bank's customers, that is, from those individuals who have their own personal account with this bank. Check cashing is carried out only at bank branches in Moscow and St. Petersburg, and with a good commission.
Possible risky way to get real money through services ePayServiceand eCoin. The main thing is to be sure that the letter with the check will not disappear mysteriously and will be delivered to the specified address.
With a check from Google, you can currently earn money from advertising through the post office using the system Rapid. Rapida is a payment system that allows you to receive AdSense payments worldwide in cash through the Rapida money transfer system. At the post office, this system is called Cyber \u200b\u200bMoney. But if you have friends and acquaintances in the country where the check was issued, contact them for help.
Is it possible to cash a check of a foreign bank in Russia? It is possible, but it will cost a lot, and the procedure stretches for 1-2 months.
To the editors of F. the owner of a registered check of Bank of New York for $ 200 asked to tell how it can be cashed in Russia. It turned out that not all major banks provide such a service. According to the results of the call of the largest credit organizations, it turned out that Sberbank, Rosbank, MDM Bank, Promsvyazbank did not work with registered commercial checks issued to individuals. Alfa Bank’s call center reported that its Moscow offices do not deal with collection of personalized “physical” checks.
This situation is easy to explain. According to respondents "F." bankers, the demand for this service from the population is not high: it is a one-time operation, so sometimes even the websites of some banks do not indicate rates - 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 fees charged from the client and are asked to come to the office.
Collection of a registered check of a foreign bank in Russia is expensive. The final amount of the client’s cashing out costs consists of three main parts: the bank 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 tariffs), and the costs of the Russian bank (postal expenses, settlements with banks - correspondents). As a result, the total commission reaches 4-6% of the nominal amount of the check.
It is imperative to remember that its holder can receive a “cache” in his hands no earlier than 1-2 months after placing an application with a Russian bank. It is necessary to compare this period with the validity period of the check itself - often the amount indicated in the document must be cashed out within three months from the date of issue. It is advisable to have a document with you indicating the source of the funds, the amount of which is indicated on the check. Suppose, if in this form you received a fee for the work done, you must ask the customer for a supporting document. Banks need such certificates for currency control, that is, monitoring the origin of funds intended for the recipient. Not everywhere the availability of such a document is mandatory, but the bank has the right to ask for it.
Sometimes a prerequisite for collection is making a guarantee fee. If the check is refunded successfully, the payment is returned to the client, otherwise it remains with the bank as compensation for costs. “Incoming” commission, that is, a fee for the receipt of a check for collection, is provided by almost all Russian operators, and these funds are not returned to the client even if the check is not paid.
Commission upon delivery of the check,% of the nominal amount of the check |
Commission for cash withdrawal,% of the nominal amount of the check |
Other expenses* |
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min 200 rubles, max 6000 rubles |
Postage, |
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Unicredit |
1.5% of the nominal amount of the check |
Commission of foreign banks in case of their occurrence |
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Commission of foreign banks in case of their occurrence |
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Bank of Moscow |
min 350 rubles |
Postage and fees of foreign banks in case of occurrence |
|
Uniastrum |
min 500 rubles max 7200 rubles (depending on the currency of the check) |
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min $ 30, 30 euros |
Commission of foreign banks in case of their occurrence |
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Absolut Bank |
Security Deposit ($ 100). In case of check refund |
2% for issuing min $ 10, max $ 250 |
Commissions of correspondent banks (unfixed, on average 1-2% of the face value of a check) |
Gazprombank |
1000 rubles |
Foreign bank fees, postage |
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Sending (Russian Post - $ 1, DHL - $ 60), 75 euros in case of non-refund of the check, commission of a foreign bank (about $ 50) |