Transfer money without commission to another city. Where to make money transfers without commission
Hello, dear readers of the blog site. How to get a fee from a client for your work? Every year there are more and more ways and it makes sense to make a choice with open eyes. Therefore, I decided to help you quickly compare and choose the most reliable and proven time options. These are money transfer systems, bank cards and electronic wallets.
Just study the details and rates below, compare the terms and speed of the transfer. Choose the method that is most convenient for you or your client! In general, I hope that this small opus on the topic of wages will be useful to you.
Money transfer systems
Now there are a lot of systems that carry out instant money transfers. With their help, it is easy to send money to any country in the world. The main advantage of such services is the ability to receive a transfer immediately in cash at the point of issue, in local currency.
There are three types of translations:
- from card to card
- from the card to the cash point
- from the cash department to the cash point
How to choose a translation system?
- By commission amount
- Proximity of points of issue to the place of residence of the recipient
- By the number of branches in a particular country
- By international transfer speed
- Fame, reputation and reliability
A giant network with a wide geography and 140 years of history, which covers more than 200 countries of the world. The most convenient and most reliable solution for international transfers. Currency conversion is performed instantly at the current rate.
No. 2. gold Crown
A network with a large number of partners: you can make a transfer within walking distance in the Svyaznoy, Euroset, Mts, Beeline salons. The commission is quite low, often not exceeding 1.5% even for international transfers. Commission for currency conversion - 0 rubles.
No. 3. Unistream
The most profitable network for all MasterCard cardholders - from these cards you can send money transfers to any country in the world for 0 rubles using online service. You can send money both at service points and online, as well as in numerous terminals: Eleksnet, TelePay, QIWI ...
No. 4. Leader
A network from Alfa-Bank, which is more often used by Alfa cardholders. With a convenient online service for quick transfers. You can get a special wallet "Leader" or use the electronic payment service Leomoney.
Bank cards
This option is especially convenient if the payee has a card from the same bank as you. And if you are registered in your internet bank.
Sberbank
Included in the TOP-50 largest banks in the world. The most popular bank in Russia - more than 110,000,000 customers use its services. You can transfer money in an understandable and reliable Internet service "Sberbank-Online".
Alfa Bank
A profitable way to transfer money if the sender and recipient have "Alpha" cards. The commission in this case will be 0 rubles, even for international transfers. There is an Internet bank "Alfa-Click".
Tinkoff
A revolutionary bank: no branches, no own ATMs, with the ability to withdraw cash from any ATM in the world! It is rapidly gaining popularity in Russia, it already has more than 4 million customers. You can transfer money from a Tinkoff card to a Tinkoff card without a commission, even if the transfer is international.
Internet money
Electronic wallets are a fast and convenient way to receive money. However, problems often arise when you need to withdraw money - transfer it from online to offline. Freelancers have to pay a fee to send money from a wallet to a bank card.
WebMoney
A large international system with increased security and wallet protection. You can replenish your wallet in a variety of ways: from a payment terminal to the Russian post.
Convenient "dollar" network, more often used for money transfers to the United States.
Yandex money
The Russian electronic money system, clear and simple, is well suited for use within the country.
This wallet number is a mobile phone number. Getting a wallet and using it is very easy. There are a large number of QIWI branded payment terminals in Russia.
| from a bank card - 0% (from 3000 rubles) at an ATM, through an Internet bank, at partner offices - 0% at QIWI terminals - 0% (from 501 rubles) in other terminals - 0% (when paying in cash) from mobile - from 0% to 9.9% | 2% instantly 10 out of 10 3.9% on average + currency conversion fee | 0% 48 hours 6 out of 10
But in general
I hope that the article was useful for you and that you have chosen the right way to transfer money for you and your customers!
It is really very difficult to start a wallet in emergency mode and try to set it up “on the run” when you need to urgently receive payment. In this way, several offers of cooperation failed me, until I brought all my financial instruments into full order and compliance. Learn from my mistakes...
Good luck to you! See you soon on the blog pages site
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There are many different reasons for sending money to loved ones. Most often, such economic parcels are made by parents to their student children or children who have got on their feet financially support their parents. Most often, such regular shipments are made within the borders of our country. Therefore, the issue of cost is very relevant, because money transfers across Russia can be done in different ways, and in each case there are advantages and disadvantages of the options.
Sending money by mail
The most common branch network in the country is the Russian Post. In all, even the most distant corners, there is at least one small working branch. One of the oldest enterprises provides various types of services, including sending money.
It is worth noting that this method is one of the most expensive and long.
But in some areas it is practically indispensable. After all, not everywhere there are alternative services that want to work sometimes even at a loss.
Tariffs for sending money by Russian Post
The post office offers the CyberMoney service. Tariffs for small money transfers start from 40 rubles + 5% up to a thousand, up to 250 rubles + 1.5% up to half a million.
This means that for sending 1 thousand rubles, you have to pay 90 rubles (9%) of the commission. And for the amount of 500 thousand, the payment will be 7,750 rubles (1.55%).
But you need to know that sending amounts up to 100 thousand takes 3 working days, and more than this amount, according to the regulations, can be issued after a maximum of 8 working days.
Pros: huge coverage of the country, you get cash right away, you can send large amounts.
Cons: high commission for small amounts, very low speed.
Translations of specialized systems
There are special companies for making transfers, such as Western Union, Unistream, Anelink or others. Some of them are almost two hundred years old. Western Union, for example, has branches all over the world. They also strive to speed up the process of sending and receiving within each country as much as possible and regularly reduce shipping rates.
Now, for an operation up to 10 thousand rubles, you need to pay only 100 rubles of a fixed commission, and up to 100 thousand - 1% of the amount. When it is necessary to transfer more than 100 thousand rubles, the client will pay a fixed commission of 1000 rubles.
System tariffs
You can pick up money in a couple of hours after sending. You just need to know the transfer code and have a passport. Some systems allow you to receive a transfer a few minutes after sending, for example, Golden Crown.
Pros: high speed of money transfer, no need to have bank accounts.
Cons: fewer branches than the post office, you can get only at specialized points.
Transfers between bank cards
A more profitable transfer is between cards of the same bank. Thus, you can even transfer money across Russia without a commission, and Sberbank can do this if the sender and recipient's accounts are opened in the same city. Some banks, such as Tinkoff, do not charge fees for transfers between any customer debit cards.
The maximum commission can rarely reach 2-3% of the amount. But there are limits on the volume of transfers. At different banks, they can be on average from 15 to 75 thousand per day. Large limits exist for transfers within the bank, and not between cards of different financial institutions.
Pros: high speed, average commission.
Cons: you need to have a bank card, you can get cash only at an ATM.
Sending via virtual payment systems
Younger users use Qiwi, WebMoney or Yandex.Money systems for transfers. But cashing out through these services takes some time and is not free.
On average, the user must pay up to 3-4% of the amount to receive banknotes.
But the translation itself comes instantly. Although there are also limits on maximum transfers. For unauthorized users, it will be a problem to receive more than 15 thousand rubles.
Pros: 24/7 transfers, low commission for sending.
Cons: problem with cashing out, limited low amounts to send, you need to be registered in the service, the commission for receiving is above average.
Bank transfer
You can go the traditional way and make a bank transfer to your account. In this case, the commission will be from 1 to 5% in different banks. The average value will be 1.5-2%.
But at the same time, the recipient must have a bank account and send full details to the one who wants to transfer money. Also, you can withdraw the amount really only through a bank branch during business hours. Which imposes its inconvenience to receive. The transfer takes one working day maximum.
Pros: average transfer speed, average commission, cash withdrawal.
Cons: you need to have an account, you can get it only on working days, you can pick it up only at one specific bank branch.
Each client of a banking organization at least once, but there were difficulties with replenishing their account or withdrawing cash. Therefore, it is necessary to speak to the consultant when issuing a card so that he gives comprehensive information about all services and available operations. This will not only avoid unpleasant situations, but also save time searching for the necessary information.
Similarly, with transfers to cards of other clients. Sberbank specialists have developed many ways to quickly and reliably transfer your money from your account to the account of a client of any other bank in another city.
You can also use simple money transfers, which are carried out in Sberbank without problems, this also applies to intercity money transfers. The term for transferring money to another city through Sberbank may be slightly delayed depending on the method chosen.
Transfers using Hummingbird, Contact and Western Union systems
There are several simple methods by which you can transfer money to another city through Sberbank in the shortest possible time. The first of them and the most popular is with the help of the Hummingbird service. It offers favorable rates, large transfer limits and short transaction times.
There are also restrictions:
- The maximum transfer amount is 500 thousand rubles or 5 thousand USD.
- Translation times can vary from 15 to 60 minutes.
- The commission will be from 1.5% to 1.75%, but not less than 150 rubles or 5 USD per operation. The maximum commission is 3 thousand rubles or 100
To make a transfer, the sender needs to go to any branch of Sberbank and take with him a passport, TIN, the exact details of the recipient and money for the transfer. You need to take a special form for making a transfer from the cashier and fill it out.
Before submitting an application, be sure to check the spelling of the recipient's data, because even if one letter is misspelled, it will be impossible to receive money. After submitting the application and paying the amount, the sender will receive a check, which will indicate the amount of the transfer, the name of the recipient and a special code.
The sender must communicate this code to the recipient so that he can receive money at any branch of Sberbank.
Another popular method of transferring funds to another city using a Sberbank branch is the Contact and Western Union fast transfer systems. These are very popular options, since the sender only needs a passport and the necessary amount of money to transfer.
In the same way, you will have to fill out a form in which you must indicate the name of the recipient and pay the money to the cashier. Then the cashier will tell the number of the transfer, which the sender must tell the recipient. Enrollment times can vary from a few minutes to several hours. To receive money, the recipient must go to any branch of Sberbank, provide the transfer number and present a passport.
Everything is very simple and there should be no problems. The main thing is to carefully fill in all the data when sending. Of the minuses - the high cost of the service compared to other transfer methods: up to 1.7%, depending on the amount of the transfer.
Useful stuff:
It is much easier to make a transfer between cities if the recipient and sender are Sberbank clients. After all, then there are much more ways to transfer money with little or no additional payments.
The fastest and easiest way to transfer money is Sberbank Online. This service will allow you to send money to the account of a Sberbank client in just a couple of clicks. All you need is internet access and a laptop. To perform the operation, you need to go to the official website of Sberbank and go through authorization using your login and password.
Then select "card management" and "Transfer money" in the main menu. After that, the system will prompt you to fill in several fields (recipient's card number, transfer amount and payment comment).
The main thing here is to carefully check all the data, because the payment can go to a completely different person. After verifying all the entered data, click on the "Transfer" button and then enter the protection code that Sberbank will send to the linked mobile phone number.
The commission for transferring money to another city through Sberbank, if it is located in another region, is 1%.
Cash transfer
If these options are not suitable, then you can use the usual cash transfer at Sberbank. Of the advantages, one can single out the fact that there are no transfer limits here, but the commission is 1.75%, while the minimum commission is 50 rubles per operation.
The turnaround time can vary up to two business days. To transfer, you need to have a passport with you and cash. It is necessary to fill out the form, give it to the cashier and pay. In this case, you can make a payment not only to the card of a Sberbank client.
Check out the offers of banks
| Card with cashback in Rosbank | Issue a card |
More about the map
- Cashback up to 7% - for selected categories;
- Cashback 1% - for all purchases;
- Bonuses, discounts on goods and services from VISA;;
- Internet banking - free of charge;
- Mobile banking - free of charge;
- Up to 4 different currencies on 1 card.
| Card from PromsvyazBank | Issue a card |
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- Up to 5% cashback;
- Cash withdrawal without commission at partner ATMs;
- Internet banking - free of charge;
- Mobile banking is free.
| Card from Home Credit Bank | Issue a card |
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- Up to 10% cashback from partners;
- Up to 7% per annum on the account balance;
- Withdrawing funds from ATMs without commission (up to 5 times a month);
- Apple Pay, Google Pay and Samsung Pay technology;
- Free internet banking;
- Free mobile banking.
More about the map
- Cashback up to 10% from gas stations
- Cashback up to 5% from bills in cafes and restaurants
- Cashback up to 1% on all other purchases
- Up to 6% per annum on the balance
- Card service - free of charge;
- Free internet banking;
- Free mobile banking.
| Card from Tinkoff Bank |
If it doesn't burn
Until recently, Russians used the postal service to transfer money. However, this method of translation is not very convenient. Firstly, a postal or telegraphic transfer of money within the CIS costs 8-20% of the amount (depending on the country of receipt). Secondly, they are “slow”: a telegraphic transfer takes 1-2 days in Russia, and a postal transfer takes 1-2 weeks in general. If you send money abroad, then the money will reach the recipient in about a month. Thirdly, in order to send and receive a postal transfer, you must specify the recipient's passport data. And, finally, the last reason is the unfavorable exchange rate: the domestic post office accepts money only in the domestic currency. To top it all off, there are restrictions on the size of the transferred amount: the maximum is the equivalent of $300. It is no wonder that over the past 5 years the number of Russians who want to use the services of their native mail to transfer money has decreased significantly.
For some time, bank transfers served as an alternative to postal orders. But this type of transfer of money is associated with inconvenience for citizens. Despite the relative cheapness of this method (1-4% of the amount plus the commission of the receiving bank for cashing out or a fixed rate of $30), it is not very efficient: a standard bank transfer takes 1-14 days. In addition, to carry out a bank transfer, you will have to open a current foreign currency account and fill out a payment order indicating the exact bank details of the recipient's bank and the recipient's account data in this bank. Thus, bank transfers remain mainly a service for corporate clients.
And if you don't want to wait
In world practice, individuals rarely resort to the services of the post office or the bank to transfer money to other cities or abroad. Especially if there is no way to wait for money for weeks. For prompt and simple (in terms of paperwork) sending funds, systems of the so-called “instant transfer” are used. Their name is justified, since a person can receive money at any point of these systems in any country of the world within 10-15 minutes after the money has been sent. To date, the Western Union money transfer system is the most famous, which for 10 years of work in the domestic market has established itself as a reliable company that can be safely trusted with money transfers.
In Russia, companies providing instant money transfer services work through the points of partner banks. Finding such points is not difficult: for example, Western Union services are provided in more than 1,500 bank branches. Abroad, you can send and receive money, in addition to banks, at exchange offices, shops, even gas stations, i.e. in any enterprise that has the appropriate license and logo of the instant translation system.
It is noteworthy that the bank or any other partner of Western Union does not charge any additional fees for transferring or cashing out funds. That is, the sender pays a single tariff for the system, while nothing is charged from the recipient. Along with the transfer, it is also proposed to send a telegram to the recipient, notify him by phone or deliver a check to the house.
How to send
When making a transfer, you need to present a document confirming the legality of the origin of funds (a certificate from the exchanger will do), and your own passport. Next, you need to fill out an application, come up with a security question, and also indicate the purpose of the transfer.
However, if you intend to send more than $2,000 per day (which is a violation of current legislation), and if the money is intended for business or real estate, then you will be refused. On the other hand, it is impossible to control where the recipient will spend the received finances. So if your family doesn't get tired of running to the sending-receiving point every day with $2,000, then you can buy real estate abroad. Let's say that to buy an average house for $300,000, you will have to receive $2,000 for 5 months. But the domestic tax authorities will not press.
How to get the
First of all, call the sender and find out the transfer number and the answer to the security question - this is your password for receiving money. In addition, the operator will definitely ask you if you know the full name of the sender and his phone number. Since in Europe up to $400 is issued without presenting an identity card, the operator will ask you a security question. To receive amounts over $400, a passport is required.
As a rule, the transfer is issued in the currency of the sender. But do not be surprised if you are given funds not in cash, but, for example, in traveler's checks. It's just that sometimes operators may not have enough of the sender's currency. If desired, the transfer can be received in the currency of the country where you receive it.
And finally: what to choose?
In principle, there are several fast money transfer systems on the market, among which Western Union and MoneyGram stand out. The reliability of these systems is almost the same, but MoneyGram has less experience in the global and Russian markets. Western Union has been involved in money transfers for over 130 years and there have been no incidents in all these years.
There are still three essential criteria for the quality of translation - speed, price of translation and convenience. Translate
money via Western Union is a matter of just a few minutes, you can receive money almost immediately after sending it. Western Union services are slightly more expensive than MoneyGram. True, when transferring up to $100 and large amounts from $1.2 thousand, WU services are cheaper.
As for convenience, Russian bankers recommend using Western Union services. This company has 120 thousand points of sending and receiving cash in more than 190 countries and territories of the world, while MoneyGram has almost half that number - about 50 thousand points in 160 countries. In addition, Western Union is also the leader in terms of the number of points in Russia - 1.5 thousand points (of which 280 are in Moscow), and the total number of points in the CIS countries exceeds 4500.
According to Western Union's marketing department specialists, the company has been operating on the Russian market for 10 years, but the population's active demand for this service began to grow only during the last five years. Obviously, our citizens, following the rest of the world, did not immediately, but still appreciated its efficiency and convenience. And just travel around the world and spend more on trips.
Probably, each person faced a problem when it is necessary to urgently send money to another city or country. Parents send transfers to their children studying at universities, someone sends money to needy relatives, and those who have gone to work in big cities send their salaries to their families. Sravni.ru will tell you about different types of money transfers: from the simplest and most convenient to the most profitable.
Postal transfers
The most famous and oldest way to transfer money in Russia is a postal order. Now the Russian Post offers its customers several options for sending funds to anywhere in the world using the CyberMoney service:
- acceptance of a transfer from the sender in cash - payment of the transfer to the recipient in cash;
- acceptance of a transfer of funds from the sender to the settlement account of the Russian Post divisions - payment of the transfer to the recipient in cash;
- acceptance from the sender in cash - payment to the recipient's settlement account.
Tariffs of the CyberMoney system are quite high: for transfers within Russia they range from 1 before 5% + one-time payment for the transfer, and the cost of transfer abroad is 1-8% + one-time transfer fee. It should be noted that the larger the transfer amount, the lower the percentage charged for services, but the larger the lump sum payment. The latter can range from 25 before 535 rub. For example, to convert an amount to 10 thousand roubles. in Russia, the cost of services will be 235 rub. + 2% from the transfer amount - total 435 rub.
Among the advantages of this system, it is worth noting its availability for customers even in the most remote corners of our country. The main disadvantage is the speed of money transfer: from 2 before 10 days.
For an urgent transfer, the Russian Post offers the Fast and the Furious service, which allows you to send money in an hour. So far, this system serves only the territory of Russia. Rates are higher here: from 1,7 before 10% , and only residents of large cities can take advantage of this offer.
Express transfers
Transfers using Western Union, MoneyGram, UNIStream, Anelik and others are now becoming increasingly popular. The main advantage of these operators is that the transfer is carried out very quickly and the recipient can receive money in a few minutes. The main disadvantage can be called: high tariffs and limited geography. True, express transfer systems are quite successfully fighting the latter factor, actively cooperating with banks. Now in many branches of Russian banks there are branches of one system or another.
The most famous express transfer system is Western Union. For the translation across Russia of the same 10 thousand roubles. have to pay 225 rub., which is certainly less than that of CyberMoney, but still 2,25% from the payment amount. Western Union interacts with leading Russian banks, including Sberbank, as well as with the Russian Post, which undoubtedly makes this system one of the most attractive for customers.
UNIStream is considered to be one of the cheapest express money transfer systems. The cost of sending money through this system ranges from 1-1,5% from the transfer amount.
Transfers from card to card
A good alternative to conventional money transfers without opening a bank account today are card-to-card transfers through ATMs, self-service terminal devices and banks. Naturally, such transfers are most profitable when the sender and recipient have cards issued by the same bank. As a rule, in such cases, the commission for the transfer of funds is not charged.
If the cards are issued by different banks, the transaction fee is 1-2% of the transferred amount and deducted from the sender's account. This service is offered by some other institutions. So far, it is not very well developed in our country. , for example, makes transfers only to "their" cards. It should also be noted that it is impossible to transfer money from card to card if they do not belong to the same payment system. That is, funds can be sent from Visa cards only to a Visa card, and, accordingly, transfers from MasterCard can only be made to a MasterCard card. There are other restrictions as well. For example, in Alfa-Bank the amount of one transfer cannot exceed 15 thousand rubles, and the maximum amount of all such transactions per month should not exceed 75 thousand roubles.
Internet transfers
This is a relatively new type of translation. As a rule, it is tied to one of the express transfer systems (Western Union, MoneyGram, Аnelik and others) and to the Internet service of a bank. Tariffs for service correspond, as a rule, to the rates of these systems, and the transferred funds are debited from the sender's account. However, there are other options to make a transfer via the Internet. True, we can make a reservation in advance that this method is perhaps the most expensive. This is a transfer of electronic money: WebMoney, Yandex-money, RBC.Money and others. Making such a transfer is quite simple by transferring funds from one wallet to another. But at the same time, the commission will have to be paid first for the transfer, and then for the transfer of this money into cash or to a bank card. As a result, the cost of such a translation can be equal to 10-15% from its amount.
Bank transfers
Undoubtedly, bank transfer from account to account remains the most reliable way to send money. However, it is not always possible to do so. It is necessary that the sender and the recipient have open accounts, but not everyone has them. It is advisable to have accounts in the same bank. Otherwise, the commission for such a transfer is no less than for express transfers. It should be noted that some Russian banks (Sberbank, and others) make transfers without opening a bank account. However, such transfers do not differ in cheapness, tariffs range from 1,5 before 10% , and besides, the speed of transferring funds also leaves much to be desired, funds can reach the recipient in at least 1 day.
Situations in life are different. Each type of money transfer has its own advantages and disadvantages. Sometimes you need speed, someone appreciates convenience, someone needs anonymity, and someone is attracted by a low price. There is a good choice in this segment of financial services and, as always, it is yours.
