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.
If the payee has a Bank card, you can transfer the money to him in several ways.
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.
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.
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.
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.
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.
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.
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.
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: 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
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.
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.
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 3: 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
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.
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.
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.
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.
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.
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