For the convenience of paying for goods and services, you often have to pay various commissions. However, there are many ways to avoid additional costs. To do this, you need to know through which ATMs and terminals you can deposit money without commission payments.
Instructions
Step 1
Find a payment terminal that accepts commission-free payments. There are such in many cities. For example, in Novosibirsk there is a system of terminals "Kvartoplat", where you can pay for utilities without a surcharge, and also top up an account on a transport card.
Step 2
Open a second account with the bank where you have already opened the first one. In this case, you can transfer funds from one account to another without commission. This is convenient if you want to use different currencies. For example, when transferring money from a ruble account to a dollar account, you will not be charged a commission for currency exchange. The conversion of money itself will take place at the internal rate of the payment system, which is quite beneficial for the user.
Step 3
Use cash on delivery to purchase goods and services. In this case, the money transfer is carried out through the mail, but you do not pay for it, the service is made at the expense of the recipient. Cash on delivery is also convenient because you pay for the goods upon receipt, and not in advance, which reduces the risk of losing money for you.
Step 4
Register an e-wallet on one of the sites that provide similar services. So you can transfer money to the addressee who also has a similar wallet. But keep in mind that the transfer of electronic money is not free in all payment systems. For example, Yandex. Money charges 0.5% of the amount for this. PayPal provides a similar service without commission. However, it should be noted that this money can only be spent on the Internet - in Russia it cannot be received in cash. If your addressee is located in the United States and has an account with a local bank, he will be able to withdraw them from the system, but they will be charged a commission for this. You can also pay for goods and services in online stores through e-wallets without commission.
