Advice 1: How to transfer money to a physical person

More recently, transfer of money was only possible by mail or through Sberbank. These methods you can use now, but their high cost and the waiting period of a few days forced to turn to other options of transfer of funds. Modern banking technology allows you to send the money to the individual so as to get them within a few hours or even minutes.
How to transfer money to a physical person
You will need
  • - Bank card;
  • - passport;
  • - details of the recipient.
Instruction
1
If the payee has a Bank card, you can transfer the money to him in several ways.
2
Contact the Bank branch that issued the card, tell the operator your surname, name, patronymic of the recipient, the destination account number, card number and fill in the Bank transfer amount. In addition, this operation can be done via ATM owned by the issuing Bank, include a device for receiving cash (cash-in). Enter the account number or card and Deposit your money into the bill acceptor.
3
If you own a card of the same Bank as the recipient, and have access to account management through the Internet (for example, "Sberbank Online", alpha-Click, Telebank, etc.), you can send a money order for payment, specifying the surname, name, patronymic name, account number of the person who intends a transfer, the amount and purpose of payment.
4
These methods of money transfer are the most profitable and convenient, since the moment of their submission to be credited to the account in a few seconds. In addition, in these cases, you do not need to pay the Bank a fee for the transfer.
5
You can also transfer funds to another individual using the service "Transfer from card to card" offered by some banks. To do this log in manage account, select the appropriate item, enter the card number and payment amount. Such a translation can be delivered to up to 5 days and provides for the payment of remuneration to the Bank.
6
The traditional method of sending money to the individual is a transfer from your Bank account (contribution). Contact the Bank with your passport, fill out an application for transfer, please indicate the surname, name, patronymic of the recipient, the account number, name and Bank details (BIC, correspondent account) and Deposit your money to the cashier. In excess of the amount transferred, the Bank will take a Commission on the tariffs.
7
It is possible to transfer money without opening accounts. To do this, write in the Bank the transfer statement with the full details of the individuals and pass the money to the cashier. This type of translation also involves the payment of a fee.
8
In addition, you can use money transfer systems: Western Union, Contact, MoneyGram, Anelik, Migom, "Sberbank-Blitz", "Unistream" etc. Read the conditions of payment systems, select the most suitable for you and contact the closest translation of identity documents. Keep in mind that the fee for such transfers depends on the system and varies from 0.3 to 15% and delivery time of the money can range from 1 minute to 24 hours.
9
Tell the cashier the name, surname, patronymic of the recipient, payment amount, country, city and address of the point of payment. Deposit your money for payment of transfer and the Commission for his conduct. You will receive a receipt or a cash receipt, which will show your unique money transfer control number. Inform the recipient of funds along with the amount and address item supports the payment system.

Advice 2: As organizations sell the vehicle to a natural person

The process of sale of the vehicle by the organization to a physical person differs from the transaction between two individuals. The main difficulty here is experiencing a legal entity. And they are connected mainly with the necessity to properly execute the implementation of the car and observe the subtleties and nuances provided for by the legislation of the Russian Federation.
As organizations sell the vehicle to a natural person
You will need
  • - agreement of purchase and sale;
  • - the act of transfer and acceptance or invoice.
Instruction
1
Make a contract of purchase and sale. This can be done in writing and on the letterhead. Make sure to specify all details of the organization, and from physical persons – passport data and residence address. In addition, the prepare act of acceptance-transfer of the car or slip on the transfer of the vehicle.
2
Accept funds from the buyer via cash organizations. In return, the cashier must issue a counterfoil receipt voucher with the stamp of organization. Only after that proceed to registration and signing of act of reception-transmission cars giving the technical characteristics and shortcomings of the car. If the cashier in your organization is not provided, the function of registration of reception of money from the buyer can be performed by the accountant. The accountant is required to reflect received for the amount of the car reporting period as the net profit.
3
In addition, the buyer can transfer money for the car through the Bank to the account of legal entity on receipt of the PD-4. This receipt should indicate: from whom funds are transferred, purpose of payment and the number of the contract of purchase and sale. This is the only way of transferring funds, if the organization for whatever reason does not have a cash register and can not issue a receipt.
4
Confirm the cost of the car act, an independent appraiser if the organization sells the vehicle to the Director or to one of the leaders. The fact that the participants of this transaction are related parties and the verification organization may be fined. The money in this case, you can just transfer from the personal account of the Director or supervisor on account of a legal entity.
5
After signing all these documents, the representative of the organization takes the car off the register in traffic police, and the buyer puts it on record in his name. The representative of the legal entity must have all vehicle documents, identification document and power of attorney from the Director of the organization.
Note
If the car is listed in organization as a main tool to sell the license for the activity in the legislation.

Advice 3: How to transfer money to Europe

Your loved ones in abroad with available funds? You want to help them or to make a gift? Use the electronic money transfer is a fast and reliable way to transfer money in Europe.
How to transfer money to Europe
Instruction
1
Remittances worldwide is Western Union. Their offices can be found in almost every town; most of the post offices in Russia are branches of this company. Transfer via Western Union can be up to $ 5,000 or the equivalent in another currency – usually the currency valid in the country you're sending money. Money transfer company Western Union is only possible between individuals. To send money you need to show your passport or any other identity document valid on the territory of the Russian Federation. If you send foreign currency (e.g. euros in Europe), you will need to provide a certificate confirming the exchange of the ruble to the Euro, or a customs Declaration. So, to perform a money transfer to Europe, in any branch of Western Union submit your identity document, fill in a brief questionnaire about the recipient of the money, name the country and the city in which you want to send the necessary amount. Western Union accepts cash only and issue money. The operator will give you a MTCN number (the control number of money transfer). Save it and your receipt about the money transfer. Tell the recipient your name, room NAC (in some countries it is mandatory to receive a money transfer). Upon presentation of identity document, he will get sent to him the money. To know that the money transfer is made, you can on the website of the company Western Union, by going to the "Status of translation" and entering in the appropriate box the number of the NAC.
2
Make an urgent transfer of money to Europe , you can use MoneyGram services. The branches of this company can be found in the offices of banks-partners, for example, Sberbank, ROSBANK, Raiffeisen Bank, Master-Bank. For translation only accepts cash money. Tell the MoneyGram agent the cash ID cards. In some cities you can request a confirmation of place of residence, for example, a Bank account or a utility bill. Along with the free money you can deliver a written message consisting of 10 words. When transferring funds, you will receive an identification number. Communicate it to the recipient. Upon presenting the identity document, and quoting the ID number, your European friend can get cash within 10 minutes.
Note
Money transfer services are paid. The amount of Commission charged by Western Union and MoneyGram depends on the transfer amount and the country to which you are sending the money.

Advice 4: How to transfer money to the card VTB

Every person who for a long time uses e-wallets, one day decides to withdraw money from the virtual payment system. Most often, the money is transferred to a plastic card in order to cash them. If the money is accumulated in any payment system, it is necessary to understand how to transfer e-money on a plastic card.
VTB Bank
Instruction
1
Each system of e – money." So let's take a common operation for the transfer is a transfer of money from the electronic purse "Yandex.Money" on the card of the Russian Bank VTB.
2
Today officially and legally "Yandex" is the owner of the payment system. The project is Russian, so he focused on the population of Russia. System "Yandex.The money is intended only for individuals.
3
If you open the account in VTB Bank, everything is easy and simple. For this you need to enter the menu system of Yandex. Money" and click "Transfer to Bank account". There fill the fields with data ( name, account number, proud to stay and so on).
4
After the money was sent to the card VTB is to wait for the refill. If card not, then you need to go to VTB Bank and transfer it to your name. A plastic card will do for about two weeks, after that you will be able to withdraw money from the system.
5
If you use some other virtual monetary system, the money derived by approximate algorithm with the system "Yandex".
6
In some systems, such as "WebMoney", to withdraw harder. There is need to confirm by means of documents of your identity. But after receiving a free "formal passport with verified data" to transfer money to the card VTB will not be difficult.

Advice 5: How to open a Bank account to a physical person

RAaccounttion expense necessary physical person in order to save money or increase income through the accrual of interest. The owner always is sure of security of their savings at any time and can withdraw or transfer the desired amount without any problems.
How to open a Bank account to a physical person
Instruction
1
Study the offers of different banks by opening a Bank account. For this you can visit the website of the credit organization on the Internet, go to the Bank branch or call the help Desk. Compare all the obtained information, determine Bank charges for account maintenance, check whether the connectivity of Internet banking, find out what services you will provide the Bank.
2
Also, determine the number of Bank branches and ATMs in your city. Read the opinions and reviews about the Bank in various media, on forums on the Internet or in the ratings. Analyze all information received and make a selection.
3
Collect the documents required for opening current account. Write a letter to the Bank, make a copy of a passport and attest it with his signature. If you are self-employed or are an entrepreneur, make notarized copies of relevant certificates and references.
4
Visit Bank branch during working hours. Contact your Bank Manager and inform about the desire to access RAaccounts account. Some banks will need to fill out a form where you specify some information about yourself. The Manager will tell you about all the packages for current accounts offered by the Bank and will help you to choose the best. Sometimes to open an account you will need to make the first payment.accounts account, or to pay the Bank's Commission.
5
Wait for opening a current account. Usually, this happens on the day of application. Get agreement on the opening of a Bank account with the indication of tariffs and conditions. If the Bank allows clients to use remote account management, you will receive the keys to access the telephone banking or Internet banking. Consult on issues of change and recover passwords.

Advice 6: How to transfer money to a foreign Bank account

The volume of international financial operations is growing along with globalization. Actively transferred the money abroad not only international companies but also individuals. But when conducting such operations, it is important to understand their characteristics.
How to transfer money to a foreign Bank account
You will need
  • the money for translation.
  • - account details.
Instruction
1
Find out the number of the invoice recipient and payment details of the Bank. Among them must be SWIFT code, Bank name and address of office serving account. You also need to clarify, as written in Latin letters, or other local alphabet the name of the account holder.
2
If you are sending a large sum of money to a person which is not related to your family, be prepared for the fact that you need help with the IRS on the legality of the money. The same situation, only for any amount of money will arise if you send money to an account in your name.
3
Come to the Bank through which you want to do the translation. Most likely, you will have to open an account financial institutions are rarely allowed remittance abroad without opening it. Inform them the amount of the transfer, and that you want to send it to another country.
4
Read and verify a payment order drawn up by the operator. If all the information is correct, place it on the signature. After that, the employee with not enough money to transfer to your account will direct you to the cashier where you will be able to increase your balance. After payment, you will receive a copy of the documents i.e. the copy of the payment order from the Bank. Find out how much time will go payment. It usually takes three to five days. After this period you can contact the person - the recipient of the amounts and find out what happened to his money.
Note
Currently, the cash transfers can be performed not only by banks but also with the involvement of payment systems. For example, on the website of Western Union to do a money transfer with your Bank card on a foreign account. However, this service is not yet operating in Russia, it can be used only in some neighboring countries.

Advice 7: How to transfer money from Yandex.Money in the savings account

E-Commerce is becoming more common. But some people are afraid to use for such purchases with their Bank cards, as there is a risk of leakage of information about payments. For them there is another way of payment through an electronic wallet, for example, "Yandex.Money." It can not only enlarge, but also to transfer his amount to the account in Sberbank.
How to transfer money from Yandex.Money in the savings account
Instruction
1
Verify that there is enough money in the account in your e-wallet to make a transfer. Note that it will be charged a fee in the amount of 3% of the amount plus 15 rubles. This is the amount that establishes a payment system, the Bank will not charge you extra money.
2
Get the account number for which was opened by the owner of Sberbank. Also when sending the money will need to indicate the surname, name and patronymic of the owner of the account and details of the regional branch of the savings Bank in which the account was opened. You can find them on the website of the Bank or in any office. Keep in mind that the translation can be done only at the expense of individuals. To pay for the services of any organization you should choose another payment method and withdraw money through the payment system, and then make a cash transfer to the desired account.
3
Go to the site "Yandex.Money" - https://money.yandex.ru/ Navigate from the main page on your account, specifying the username and password. Then open the section on withdrawal from the system. Specify, what amount, to whom and where you are going to translate. Send your request. If the system would accept, the information on the payment will be visible in the list of your transactions.
4
Wait until execution of the payment order. Usually the money arrives in the account in three to seven business days. In the event of delayed payment, contact the technical support of the system "Yandex-Money".
Note
System "Yandex.Money" sets limits on withdrawals from the system. User with an anonymous account can translate fifteen thousand roubles a month. At the same time, if you send to the system administrators scanned a passport or other ID, your ability to perechislenie money will be expanded and the limits will increase to five hundred thousand roubles.
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