Bank transfer is a method of transferring a certain amount of money from one person to another through various payment documents (checks, orders, etc.). There are many situations when people resort to bank transfer, so this service is quite popular nowadays.
Instructions
Step 1
To send a bank transfer, contact your nearest bank. As a rule, all credit institutions carry out such operations. In this case, you can send money by opening a bank account, or send a transfer without opening an account.
Step 2
Be aware that if you need to send a transfer within the same bank, for example, Sberbank, and the recipient has the opportunity to contact his branch for payment of the transfer, then it is more profitable for you to send money from account to account. The commission within the same bank is taken only once - when sending funds. The recipient does not have to pay for the money transfer. If you are going to transfer funds to another bank, then the size of the commission will be slightly higher. And besides, the recipient will have to pay for such a service.
Step 3
If you decide to transfer money from account to account, feel free to contact the bank operator. You will need to provide the last name, first name, patronymic of the recipient, the account number to which the money will be transferred, the details of the receiving bank, the amount and currency of the transfer. Also, don't forget your passport and your account details.
Step 4
Decide which translation is best for you. There are urgent transfers, when money arrives within a day, and ordinary transfers, in which the funds go to the recipient's account within three working days. In some banks there is a choice of commission payment. For example, you can pay the commission only for yourself, and the recipient will deposit money when receiving the transfer, or you can pay for this service in full.
Step 5
After filling out all the necessary documents, depositing funds to the cashier, inform the recipient that the transfer has been sent. He needs to come to the bank branch where the money was sent, taking his passport with him, and get it.
Step 6
Remember that there are also bank transfers without opening an account. These are transfers through special payment systems (Western Union, MIGOM, Unistream, etc.). fast. After a few hours, the recipient has the opportunity to withdraw the money. However, you will have to pay for such efficiency. The commission for the transfer is quite high: from 3 to 8% of the transfer amount.
Step 7
In order to send money in this way, contact the bank and indicate the details of the person to whom you are sending money, as well as the city and country where he will receive it. You will have to fill out a special form, in which you must also indicate your data.
Step 8
Then give the cashier the required amount of money and receive a confirmation from the operator that the funds have been sent. Provide the recipient with the number and amount of the transfer so that he can receive the money at any branch of the bank.
