Card plastic maestro cirrus bank rnko payment center golden crown know-how beeline. Money transfers Is it possible for retail chains to make money transfers?
Money transfer system Gold Crown -it is a service of instant money transfers without opening an account, which has more than 49 thousand points in Russia, CIS countries and far abroad.
Send message money transfers within Russia / abroad using the Zolotaya Korona system are possible in Russian rubles, US dollars and euros.
To send a transfer, you will need an identity document and money. You also need to know the name of the recipient, the country and city of receipt of the transfer. The exact address of the recipient's residence is not required - just indicate the city. The recipient will be able to choose himself at which point and in which currency it will be more convenient for him to receive money.
Get money transfers from Russia / from abroad of the Russian Federation, sent using the Zolotaya Korona system, are possible in Russian rubles, US dollars and euros.
To receive a money transfer, inform the Bank operator of the number, the amount of the transfer and the currency in which it is more convenient to receive the transfer. You must have an identity document with you.
Additionally, the Zolotaya Korona system allows you to receive a Zolotaya Korona card when sending a transfer to simplify customer service when making subsequent transfers.
Restrictions on transfer amounts
In accordance with applicable foreign exchange legislation Russian resident can transfer foreign currency from Russia within one business day in an amount not exceeding the equivalent 5000 USD.
According to the rules for making transfers established by the Zolotaya Korona system Non-resident of the Russian Federation can transfer foreign currency from Russia without limiting the transfer amount in one business day.
For the Zolotaya Korona system, restrictions on each transfer (Resident of the Russian Federation and Non-resident of the Russian Federation) are set at 600,000 rubles / 10,000 US dollars / 10,000 euros.
You can receive foreign currency transferred to Russia without any limit on the amount.
Transfer fee
Payment system "Zolotaya Korona" allows you to instantly transfer money without the need to specially open an account and deal with documents. The system network operates in many countries of the world. "Zolotaya Korona" allows you to send transfers in any convenient way and then receive them at service offices - banks, shops, organizations that are partners of the payment system.
The payment system allows you to send and receive transfers to many developed countries of the world, including Russia and the CIS. Several hundred banks, shops and other institutions are ready to accept clients of the "Golden Crown".
How to send a transfer
To be able to send money, you must use one of two options:
- contact one of the service offices.
- send online transfers through the koronapay.com official website:
koronapay.com - "Golden Crown"
To make a transaction through the site, you just need to select the section on the main page "Money transfers"and then click on "Translate online"... Then consistently fill in all the items that the site offers. These personal data are necessary for sending the amount of money and its further receipt by the addressee.
If you want to transfer money through the office, then you need to have your passport and the required amount of money with you. From the information, the name of the recipient, the country and city of his residence will be enough. It is also advisable to know his phone number - this will allow you to connect the free information service via SMS messages.
Free SMS-informing works if the transaction amount is at least 2500 rubles or 50 dollars / euro.
The maximum amount you can send is equivalent to $ 5000. Transfers in any foreign currency are carried out without commission. In the case of the Russian ruble, you will have to pay 1% of the amount, but not less than 50 rubles and not more than 1000 rubles. The sender pays the interest for the transfer, the recipient just needs to come and collect the money.
It is worth remembering that any place of departure can set its own service commission in addition to the existing one. Therefore, it is more profitable to send transfers over the Internet online.
How to get a transfer
To receive money sent through the Zolotaya Korona payment system, you need to choose any convenient service office and come to it with a passport and a control number of the transfer. The control number must be sent by the sender, if the free informing service has not been activated.
Online receipt of a transaction is only available when a regular card-to-card transfer has been made through the koronapay.com website. If a full payment was sent, then you can receive money only at partner institutions.
You can receive money literally a minute after sending it. But some points of reception and delivery of transfers have their own nuances, on which they provide services. Therefore, it is worth figuring out where and under what conditions you can get a translation.
Read also:
Receiving a transfer in the "Western Union" system
Transaction limits
The general limits set by the payment system are as follows:
- $ 5,000 per day;
- 1 million rubles per month;
- 1.5 million rubles in two months;
- 2 million rubles in three months.
Limits apply only to sending funds. You can receive as many transfers as you like.
Where can I get a transfer through "Zolotaya Korona"
The payment system has quite a few partners both in Russia and abroad. But this number does not include some large institutions and banks. Therefore, it will not be possible to receive a translation everywhere. It is necessary to find a partner institution of the "Golden Crown".
Partner banks
To our great regret, one of the largest banks is not included in the number of banks cooperating with Zolotoy Korona. Sberbank of Russia does not work with transfers through this payment system. As well as a number of other large institutions.
The list of partners can be viewed on the official website. You can also find out there which chain stores, communication stores and other institutions can receive or send money transfers. " gold Crown».
Of the large banks working with the system, only a small part can be distinguished:
- Uralsib;
- Gazprombank;
- Russian standard;
- MDM Bank;
- Sovcombank;
- OTP Bank.
The best way to find out where in a particular city you can get a transfer is to call the Zolotoy Korona hotline and clarify, or look at the possible pickup locations on the map located on the official website of the system.
Shops and communication salons
Many chain stores and communication salons conclude an agreement with Zolotoy Korona, thus attracting customers and promoting their own services.
Euroset
Salons of cellular communication "Euroset" offer services for receiving and sending money transfers using the "Golden Crown". But in order to use these services, you must first issue a plastic card "Kukuruza". Euroset agrees to work with transfers of only those people who have this card.
In case of a transaction of funds via Euroset, the recipient can also issue a "Corn" on the spot. It's free. Card issuance is one of the ways to identify the recipient, which increases the security of sending money. But at the same time, the money will be issued from the cash desk, and not directly to the card. It is also possible to receive a transfer directly to the new "Kukuruza" in any partner bank. After that, you can withdraw this money at an ATM that works with MasterCard plastic cards, without paying a commission for this.
Euroset also has its own restrictions on receiving and sending money transfers. If "Zolotaya Korona" is generally capable of sending up to $ 5,000 at a time in the equivalent of any currency, then this cellular salon works with transactions up to 30 thousand rubles. At the same time, Euroset works only with transfers within Russia and the CIS.
Messenger
Salon of cellular communication, provides services for receiving and sending finance. It is enough just to come to any branch and inform the consultant or cashier that it is necessary to arrange a transfer through the "Zolotaya Korona".
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It is important to remember that for registration you do not need to buy a Svyaznoy Bank card or pay for any additional services, except for the commission.
Transfers in Svyaznoy are limited to:
- up to 500 thousand rubles in Russia per day;
- abroad - up to $ 5000;
- from abroad - up to $ 20,000.
Commission - from 1.5 in Russia to 2% in the CIS.
And to get money, you need to come with a passport to the partner bank, show the document to one of the employees, and name the transfer number "Zolotaya Korona" He should have come in an SMS message if such a service was activated. If not, the number must be obtained from the sender.
KNOW-HOW
The federal retail chain of stores is a joint brainchild of the ION company and the mobile operator Beeline. At the institution, you can send a transfer if several conditions are met.
First of all, a person who wants to receive money in this way or send it must have a KNOW-HOW card. You can pre-order it right in the store.
Otherwise, the sending procedure is the same - the sender comes with a passport and the amount (taking into account the commission), reports his passport data and the recipient's data, after which he transfers the money and receives documents with the transaction number. The number is then sent to the recipient (either by the sender or via SMS).
KNOW-HOW also allows you to issue online transfers, but using your own system from the balance of the store's card.
The store does not provide services for issuing transfers, but it can be obtained from partner banks without restrictions.
Maximus
The Maximus retail chain has recently joined the ranks of Zolotoy Korona's partners. At the moment, transfers can be sent through the company in Russia and the CIS. The shipping rate is kept within 1.5% for transactions within the Russian Federation and 2% for the CIS.
KARI
The chain of shoe stores provides services only for sending money. At the same time, you can send up to 200 thousand rubles in total per day. For a month, Kari allows you to transfer up to 1 million rubles. All this - together with the commission.
In KARI stores, the commission is 0.9%. A number of stores are holding a promotion with 0% commission, specific addresses can be found on the official website of the "Zolotoy Korona".
Mobile and internet operators
Mobile operators keep pace with progress and conclude agreements with Zolotoy Korona. Today transfers can be made using MTS and Beeline. In addition, the provider Rostelecom also has such an opportunity.
MTS
In retail stores of communication MTS today you can only send money transfers using the payment system. Apart from a passport and money, nothing is required from the client. Shipping fee within Russia - 1.5%. Outside the CIS countries - 2%.
And you can receive the money sent at any partner bank, in particular, MTS Bank. At the moment, this institution works with three currencies - the dollar, the euro and the ruble.
For owners of plastic payment cards KNOW-HOW
How is the amount debited from the card calculated if the purchase price is in foreign currency?
If the amount of your purchase is denominated in USD or EURO, then the conversion rate to rubles used to block funds on the card is the Central Bank of the Russian Federation on the day of the operation + 2%. When the funds are finally debited from your card, the rate of the Central Bank of the Russian Federation is used on the day of settlements in the MasterCard system (this day may not coincide with the day of purchase) and unnecessarily blocked funds are returned to the card. The average purchase confirmation time is 4 days. In exceptional cases - up to 30 days.
When performing transactions in another currency (other than rubles, US dollars or Euros), the blocked amount will be converted at the MasterCard rate on the day of the transaction in US dollars or Euros, and only then converted into rubles at the rate of the Central Bank of the Russian Federation on the day of the transaction + 2%.
For example, on March 1, you purchased some product from a foreign online store for 100 USD. Suppose that on March 1, the Central Bank set a rate of 29.50 rubles per 1 USD. This means that 100 × 29.50 + 2% \u003d 3009 rubles will be reserved for this purchase. Let's say that this payment was confirmed on March 5 and the Central Bank exchange rate on March 5 was 29.60 rubles per 1 USD. As a result, the operation from March 1 will be corrected and 100 × 29.60 \u003d 2960 rubles will be charged. The difference is 3009 - 2960 \u003d 49 rubles will be unlocked and will become available for future purchases.
Can I pay loans with a KNOW-HOW card?
Can. The first way is in any KNOW-HOW store. To do this, you must present the card and provide the bank details. The second way is in the Payment Cabinet. Go to the "Repayment of loans" section, enter the required data and confirm the payment.
Can I use the KNOW-HOW card to pay in stores abroad? At what exchange rate will rubles on the card be converted into euros / dollars when paying in stores abroad?
You can use the KNOW-HOW card to pay in stores all over the world, where bank cards of the MasterCard payment system are accepted. When making purchases abroad in USD or EURO, funds will be converted at the exchange rate of the Central Bank of the Russian Federation on the day of settlements in the MasterCard system (this day may not coincide with the day of purchase). LLC RNCO "Payment Center" does not charge additional commission for conversion.
Can I connect my KNOW-HOW card to Apple Pay?
You can pay for purchases with your KNOW-HOW card with one touch using Apple Pay. And from this get 1% bonuses! Top up your card for the required amount and pay profitably, without risks! Link a card - just a few minutes. And you can replenish the card from any account or at the cash desk of the KNOW-HOW store. You choose the amount yourself. You can unlink your Apple Pay card at any time.
Setting instructions
How to exchange a card if it expires?
The validity period of the card is indicated on the front side in the month / year format. Your card is valid until the last day of the month indicated on it. In the last month of validity of the card, you can replace it free of charge. How to do it? In any KNOW-HOW store, you can exchange an expiring card for a new one. Don't forget to take your passport with you!
After replacing the card with the mobile phone number to which the card is issued, an SMS message with a code will be sent. Send to short number 1069 the text “replacement<код>»To confirm the fact of card replacement. If for any reason you are unable to send the replacement confirmation code, please contact the KNOW-HOW Information Center by phone 8 495 514-12-12. After confirmation of the replacement, all funds are transferred to the new card.
How can I find out the balance of the card?
You can find out MasterCard balance or bonus card balance in any of the following ways:
2. By sending an SMS to the short number 1069 with the text "balance".
The cost of SMS-messages to number 1069 depends on the telecom operator and is approximately 3.5 rubles excluding VAT. Read the information about the Tariffs in advance.
What to do if the card is lost?
As soon as you find out that your card is missing, immediately call the KNOW-HOW Information Center at 8 495 514-12-12 and block the card in order to keep points and money on it. Then go to any KNOW-HOW store for a new card. In this case, both the points and the money that remained on the old card will be saved on the new one. Don't forget to take your passport with you!
The temporary password has expired, what should I do?
You need to call the Information Center by phone 8 495 514-12-12 or use the “Have a question” form on the website. You will be sent an SMS message with a temporary password to enter the Payment Cabinet, which, in order to secure access, will need to be changed within 14 days from the date of receipt.
How much does the service and use of the card cost?
The KNOW-HOW card is free for the buyer. Neither a subscription fee nor a commission for making payments using it is charged. But the card has a number of services that are charged separately. More information on tariffs can be found in the Documents section.
How do I register with PayPal?
KNOW-HOW card holders have the opportunity to pay through the PayPal payment system. The name and surname are not used for authorization of the MasterCard. Therefore, you can enter a freely worded first and last name in Latin characters. Also, we recommend entering the words UNEMBOSSED NAME. Follow the detailed instructions for connecting to the PayPal payment system. Happy shopping!
How do I get a PIN?
To obtain a PIN-code, within 14 days from the date of receipt of the card, call 8 495 761-67-78 (on the territory of the Russian Federation) from the mobile phone number that you specified when you issued the card.
To receive a PIN code later than 14 days after the card is issued, please contact the KNOW-HOW Information Center by phone 8 495 514-12-12.
A PIN code is required in the following cases:
- when making purchases at the checkout, the cashier may ask you to enter a PIN code;
- when performing transactions at an ATM.
Is it possible for retail chains to make money transfers?
Money transfers are carried out by RNCO "Payment Center" (LLC) (License of the Bank of Russia No. 3166-K), operating under the brand "Zolotaya Korona - Money Transfers". This is a credit institution that has all the necessary permits and licenses from the Central Bank. The company "KNOW-HOW" acts as an agent of the NBCO in attracting and servicing clients. Each KNOW-HOW store contains an offer (legal document), which describes all the rules and conditions for the provision of this service.
Can I donate a KNOW-HOW card?
The card is an individual payment instrument and cannot be gifted. We did our best so that everyone could become the owner of the KNOW-HOW card.
The card cannot be reissued to another person. The use of a card issued to another person is not provided for by the terms of the Program.
Why leave passport details when receiving a card?
On the KNOW-HOW card you will see two logos of MasterCard payment systems and “Zolotaya Korona - Loan Repayment”. This means that you can use the card like a bank card, that is, pay with it for goods in any store with this MasterCard logo, as well as repay loans. And according to the rules of banking legislation, the card can be issued only upon presentation of the passport by the client.
Are bonus points earned for making money transfers? I was not credited with points. If they are credited, can I accrue them after sending the transfer?
KNOW-HOW does not award bonus points for financial services. These include:
- Repayment of loans
- Money transfers "Zolotaya Korona - Money transfers"
- Replenishment of MasterCard account
Accruals are made for the rest of the operations.
What are “blocked funds” in my Payment Cabinet?
Raiffeisenbank offers clients in several regions of Russia the opportunity to deposit funds to their bank account free of charge using the Zolotaya Korona - Loan Repayment service. Now the list of cities where this service is available is 39 settlements 1.
Now the bank's clients will be able to replenish accounts in the network of telecom stores "Euroset", MTS, "Beeline" and Agent.ru, as well as "KNOW-HOW" and "Maximus" in Moscow and the Moscow region, "Frisbee" in Yekaterinburg and the Sverdlovsk region, "Tsifrograd" in Novosibirsk and the Novosibirsk region. In addition, you can use the Zolotaya Korona loan repayment service in KARI shoe stores and at the cash desks of the service's partner banks.
When depositing funds, the client must indicate the details of the account (BIC, current account number, full name of the recipient), as well as present a passport.
Full information about the service can be found on the bank's website. You can find the address of the nearest service point of the service "Zolotaya Korona - Repayment of Loans" on the website www.credit-korona.ru, as well as by calling the service information center at +7 495 211-07-00.
AO Raiffeisenbank is a subsidiary of Raiffeisen Bank International AG. AO Raiffeisenbank ranks 13th in terms of assets in the first quarter of 2016 (Interfax-CEA). According to Interfax-CEA, Raiffeisenbank ranks 7th in Russia in terms of funds from individuals and 8th in terms of loans to individuals in the first quarter of 2016.
Raiffeisen Bank International AG is the leading corporate and investment bank in the financial markets of Austria and Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of other specialized financial services providers in 14 markets. The bank's approximately 51,500 employees serve 14.9 million customers in more than 2,700 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is a fully consolidated subsidiary of Raiffeisen Zentralbank Österreich AG (RZB), which owns about 60.7% of the ordinary shares listed on the Vienna Stock Exchange, the remainder of which is in free float. RZB is the central institution of the Austrian Raiffeisen Banking Group, which is the largest banking group in the country and acts as the head office of the entire RZB Group, including Raiffeisen Bank International.
1 Chita, Angarsk, Bratsk, Barnaul, Izhevsk, Ivanovo, Stary Oskol, Tolyatti, Sovetsk, Stavropol, Taganrog, Volzhsky, Nefteyugansk, Magnitogorsk, Zlatoust, Tver, Ryazan, Vladimir, Novokuznetsk, Sterlitamak, Buzul'yanov, Chisinau, Orensk , Almetyevsk, Cheboksary, Yoshkar-Ola, Orsk, Kurgan, Tobolsk, Salekhard, Vologda, Vladivostok, Petropavlovsk-Kamchatsky, Artem, Blagoveshchensk, Magadan, Yakutsk, Khabarovsk.
What "Zolotaya Korona - Money transfers"
"Zolotaya Korona - Money Transfers" (represented in the non-CIS markets by the Koronapay brand) is a service of international instant money transfers without opening an account, founded in 2003 in Russia. The service provides services on the territory of Russia, in the CIS countries and far abroad.
Service "Zolotaya Korona - Money Transfers" is represented in the infrastructure of more than 550 partners and has over 49 thousand service points in bank branches, as well as in the retail chains "Svyaznoy", KNOW HOW (ION), "Maximus" and others.
The service provides a money transfer service in 32 countries: Abkhazia, Austria, Azerbaijan, Belarus, Belgium, Bulgaria, Great Britain, Vietnam, Greece, Georgia, Egypt, Israel, Jordan, Spain, Italy, Kazakhstan, Cyprus, China, Kyrgyzstan, Latvia, Moldova , Mongolia, Nepal, Netherlands, Portugal, Russia, Romania, Tajikistan, Turkey, Uzbekistan, France, Czech Republic.
System advantages "Gold Crown"
Before deciding whether to use the payment system, you should familiarize yourself with the benefits provided by Zolotaya Korona:
Reliable protection system;
A wide network of points of receipt and issuance of funds;
Low rates;
Availability of mobile applications
Special conditions for clients
Zolotaya Korona regularly offers its customers special rates for sending money transfers. For example, a special 0% rate applies to sending currency money transfers with conversion at the Zolotoy Korona rate.
Translations, carried outwith the help of the "Golden Crown"
Transfer from a bank card with cash issue
Holders of bank cards of international payment systems VISA, MasterCard, Maestro of any bank of the Russian Federation can send a money transfer through the website using the online service "Zolotoy Korona". The addressee will be able to receive the translation in a few minutes at any point of delivery of the system's transfers. The service is also available in a mobile application for devices with Android and iOS operating systems.
Cash transfers in the offices of banks and retail chains are also carried out using a simple and understandable algorithm:
You should go to the nearest bank or shop that cooperates with the Zolotaya Korona system and ask the operator to make a transfer;
Confirm your identity with a passport, provide the data of the recipient of the transfer;
The operator will automatically generate and offer to sign an application for sending a transfer, no paperwork will be required;
Transfer the desired amount to the cashier (do not forget to take the check);
Provide the recipient with the transfer number. You can get it right away.
Transfer money from one bank card to another
Holders of bank cards of international payment systems VISA and MasterCard, any bank of the Russian Federation can send a money transfer from one bank card to another using the online service "Zolotoy Korona".
For transfers from card to card in the system, the tariff is 0.5% (at least 25 rubles)
How to get a transfer from Zolotoy Korona
First you need to decide on the place of receiving the translation - a full list of suitable items is presented on the website - http://www.koronapay.com ... We recommend that you call the selected bank office in advance and clarify the working hours, as well as the availability of the required amount (relevant for receiving large amounts). The operator must provide the transfer number, present a passport. There is no commission for receiving the transfer. The operator will form an application for the issue of the transfer, after which the money can be received. Let's consider the advantages and disadvantages of a money transfer service.
Let's consider the advantages and disadvantages of this service.
Pros of translation
There is no need to open a bank account;
A large number of points of sending and issuing transfers - Not only banks cooperate with the system, but also trading networks Beeline, Euroset, KARI, MTS, Maximus, KNOW HOW (ION), Rostelecom , "Messenger" and others. It is possible to send a transfer online without leaving your home.
Low shipping fees.
The transfer is carried out instantly;
The funds are kept in the system for three years.
Cons of translation
The commission percentage may differ from the stated one.
Currency exchange
"Zolotaya Korona -" is a high-quality and modern way of making transactions online using a Visa, MasterCard or Maestro card. You can get currency in cash at any time convenient for you.
Track profitable rates and exchange rubles for US dollars or euros online 24x7. Before making a transaction, make sure that the card belongs to you and supports 3-D Secure technology.
Currency exchange takes place within a couple of minutes, after which you can take your currency as a regular money transfer "Golden Crown" within three years from the date of sending. The service is also available in a mobile application for devices with Android and iOS operating systems.
Gold crown loan
"Zolotaya Korona - Loan Repayment" is a service that allows customers of any bank of Russia and the largest microfinance organizations of the Russian Federation to borrow or replenish a deposit or deposit funds into an account, as well as replenish cards of the international payment systems VISA and MasterCard in a wide infrastructure of service points: in branches Federal State Unitary Enterprise, retail network of salons "Euroset", "MTS", "Maximus", "Frisbee", offices of "Beeline" and Agent.ru, as well as cash desks of partner banks. The service infrastructure has more than 40 thousand points.
Transport Card
Service "Zolotaya Korona - Transport Card" (brand "Electronic travel card") has been operating on the market since 2006 and is currently represented in 16 regions of the Russian Federation, as well as in the city of Almaty (Kazakhstan). More than 1 billion trips are registered in the Electronic Pass every year. More than 20,000 vehicles are connected to the system; during the project's operation, more than 6 million transport cards have been issued.
The Zolotaya Korona transport card is a multifunctional innovative technology that allows you to organize non-cash payments for, as well as serve other social, banking and financial applications.
