Almost all of us have had to deal with money transfers at least once in our life. Indeed, there are many situations when it is necessary to send money from one city to another. The student son spent the entire scholarship, and his parents want to help him, his niece's birthday and relatives want to congratulate him on the holiday in this way. There are also many ways to transfer funds from one point to another. The choice will depend on how much you need to send, how urgently the recipient needs money, and where you need to send the transfer.
Instructions
Step 1
The largest part of transfers in our country is carried out through the Russian Post. There is a CyberMoney transfer system, thanks to which funds reach the recipient within three days. The popularity of transfers through the Post is explained by the fact that it has a huge branch network, even in the most remote corners of our country there are post offices. In addition, the Russian Post provides additional paid services, for example, sending a short message together in a translation, notifying the recipient about the money that has come to him, delivery of the transfer to his home.
Step 2
The transfer commission is from 1 to 5%, depending on the transfer amount, the higher it is, the lower the shipping cost. The maximum amount that can be transferred through CyberMoney is 500,000 rubles. This system makes it possible to transfer money also to the CIS and Baltic countries.
Step 3
The second most popular way of transferring money is banking. Sberbank occupies a leading position here, since its branch network is also quite developed. Thus, a transfer from one branch to another will cost the client 1.5% of the transferred amount. This transfer is not urgent and arrives at the destination within 24 hours. "Blitz-translation" makes it possible to transfer money in 24 hours. In this case, the commission will be 1.75%, but not less than 100 rubles and not more than 2000. Sberbank also provides services for transferring funds to neighboring countries. The commission in this case will depend on the remoteness of the country.
Step 4
In addition, there are special systems through which you can transfer money anywhere in the world. These are, for example, Western Union and MoneyGRAM. Banks are intermediaries in them. Usually, a transfer sent through such systems arrives at the recipient within a few hours or even minutes. The disadvantage of these systems is a large commission. It is 300 rubles and more, depending on the amount of the transfer. Russian Unistream, Contact, similar to Western systems, have lower tariffs, but they do not work with all countries. Usually they are limited to neighboring countries and the CIS.
Step 5
Another way to transfer funds from one city to another is via the Internet, using an electronic money system, for example, WebMoney, Yandex. Money. However, this method is too costly, since the commission has to be paid twice: for depositing and withdrawing money. Such transfers are more suitable for those who receive and spend money on the Internet.
