Send money to another city. Where is it more profitable to make a money transfer? What is the best and cheaper way to transfer money within Russia? Special payment systems

Translation Money in Russia is a demanded service, implemented in many ways.

However, most of the options involve paying a commission for services from 1% to 5% of the transfer amount, depending on the operator. If it comes about a large amount, then the commission becomes noticeable, especially with frequent use of this service.

There are also ways free translation which will be discussed in this article.

What it is

Money transfers are the movement of funds from one person to another through a bank or mail with subsequent receipt and cashing. They are used to send the required amounts to relatives, children, students in another city or friends.

The main requirements for money transfers:

• safety;
• speed (instantaneousness);
• the presence of points of departure / receipt in the city;
• minimum commission.

Overview of methods

There are many ways to send money, which have their own advantages and disadvantages. Some of them are widely known, while only a few users know about others.

How can I send money to another city to an individual:

• Postal transfer;
• through specialized systems: Unistream, Western Union, gold Crown etc.
• through electronic payment systems: Qiwi (Qiwi), Webmoney, Yandex.Money;
• transfer through MTS;
• transfer between cards of the same bank;
• replenishment of the card through the terminal;
• universal card a "Svyaznoy Bank";
• replenishment of the recipient's mobile account;
• map Kukuruza (Euroset).

In cases where you need to deal with a large amount, it is better to refuse terminals. If during the submission of money an error occurs (biting money), then it will be difficult to prove anything.

Post office

Despite the shortcomings and high tariffs, Russian mail has an undeniable advantage. It lies in a wide network throughout Russia, and in some places it is the only opportunity to make a translation. In some villages there is no alternative to such a service.

The speed of postal transfer is very low - from 3 (up to 100 thousand rubles) to 8 days. Among other methods, such a translation is one of the most expensive.

Based on the tariffication, to send 5 thousand rubles you need to pay 250 rubles. For large sums tariffs are much more profitable.

Video: Transfer without commission

Special payment systems

A money transfer service through payment systems is available in any bank, as well as in mobile phone stores.

The main representatives of such systems:

• Gold Crown;
• Unistream;
• Western Union;
• Leader;
• Contact and others.

As an example, we can consider money transfers through the Zolotaya Korona system. It can be found in banks, Euroset, MTS and Svyaznoy. The recipient will be able to collect his money in a second after sending.

Prices for the services of the Golden Crown

This is a fairly convenient and relatively inexpensive method.

Electronic money

Virtual transfers are convenient, especially for those who make money on the Internet. But the downside is that the recipient must also have a virtual wallet in WebMoney, Qiwi or Yandex. Money.

The process of sending from one account to another is fast, but cashing out is long and expensive. Usually you need to pay 3-4% of the amount to receive cash.

In addition, in order to withdraw from WebMoney wallets, for example, you need to enter passport scans into the system. Often there are hiccups and this option cannot be called universal.

MTS salon service

You can now send the sum of money directly in the MTS stores. To do this, you need to pay the desired amount to the cashier, provide the brief details of the recipient. The money will be available within 5 minutes after sending.

To transfer / receive money, you need to have a Russian passport. The commission is small: 1.6% in the Russian Federation, 2% in the CIS countries.

Where can you make money transfers without commission?

If you need to make frequent shipments or transfer a substantial amount, then you need to find a free option. Money transfer without commission is possible in several ways, some of them are quite specific, for example, through replenishing a mobile account.

Transfer between bank cards

For example, if the sender and the recipient issue cards at the same bank, then the transfer between them is free. Those who often use transfers to the same individual should get a card from one of the banks - the sender and the recipient.

The bottom line is to replenish your card account (ATM, cash desk), and then transfer the amount to the recipient's card account. However, in some cases you will have to pay to withdraw cash, so it is worthwhile to study the conditions of specific banks.

Tinkoff Bank does not charge a commission for transfers between any debit cards... In Sberbank, this can only be realized if the transfer is carried out within the same city.

You can transfer to a VTB 24 card simply by the card number. This is an instant transfer, and in order not to pay for cashing, you need to get a regular debit card.

Corn Map

Contact any Euroset office to arrange special card Corn. It allows you to make transfers within the Russian Federation without a commission, and within the CIS - with a commission of 2%.

This is one of the most convenient options for free cash withdrawals. First, it is advisable to get acquainted with the capabilities of the card and the rules for its use.

How to get it

Make a purchase in Euroset in the amount of 3 thousand rubles or more or purchase a card to recharge your phone with a face value of more than 100 rubles. Ask for this amount to be credited to the Corn account. You need to have a passport with you and mobile phone- the whole operation will take 10 minutes.

It is convenient to carry out operations with Kukuruza in your personal account via Internet banking. To enter it, you will be sent a password to the mobile number assigned to it. The use of the card and personal account is absolutely free.

Also, the recipient of funds must apply for a Kukuruza card in order to receive cash without commissions.

How to transfer money

Contact the Euroset salon with your card, state the recipient's details (full name, phone number and Kukuruza card number), as well as the amount of the transfer. The money will be transferred in just a few minutes, and the recipient will be notified by sms. Also, the transfer is easily done through Internet banking.

If the recipient has not issued a Kukuruza card for himself, then you can send money by giving your full name and phone number. He will be able to receive them anywhere in the Euroset in his city. But a commission for cashing out will be taken from him: for the Russian Federation - 1%, for the CIS - 2%.

Features of work with Corn

How to work with the Kukuruza map:

1. For this purpose, a card of the "Standard" category is suitable.
2. Connect the service "Interest on the balance".
3. For withdrawals of up to 30 thousand rubles per month, no commission is taken.
4. You can top up your card anywhere in Euroset.
5. It is better to make withdrawals at ATMs (cash desks take a percentage): VTB 24, Raiffeisen or City.

When withdrawing money from an ATM, the amount on the account is blocked, which is equal to the withdrawal fee. After 2-3 days, this amount will be unblocked. If you do not connect "Interest on the balance", then you will have to pay for cash withdrawals.

Bank Avangard

In Avangard Bank, you can transfer money between different accounts without commission. To do this, you need to open a current account there and get a card so that you can use Internet banking. You can both replenish your account and withdraw them through the Avangard office.

The only thing that needs to be foreseen is to warn the bank branch if the withdrawal amount is large. The Vanguard has many small branches that may not have the right amount.

Bank Svyaznoy

The recipient needs to issue universal card Svyaznoy bank. Its service is paid and amounts to 600 rubles per year. But this amount is insignificant in comparison with the commissions in conventional payment systems.

The sender must go to any Svyaznoy branch and top up the recipient's card by its number. When withdrawing an amount less than 1000 rubles, a commission will be charged, and if the amount is greater, then the operation is free.

Mobile account replenishment

There is another non-standard way that is inconvenient to use often, but it has the right to life. The required amount must be deposited into the account mobile number recipient. Funding fees are usually small, especially when it comes to large amounts.

The recipient, in turn, must visit the operator's office mobile communications and draw up a statement of refusal of services and with a request to terminate the contract. The company will return the money that was in the account.

It is worth noting that for this you need to have an unnecessary number or conclude a new contract, which will be terminated.

If you need to send frequently sums of money to another city, it is best to find a convenient way without commission. In the article, you can find various options with and without service fees.

The optimal choice is to issue debit VTB cards 24, Corn as well paid card Connected. Use the services of the counterparty you trust the most.

If it doesn't burn too much
Until recently, Russians used postal services to transfer money. However, this translation method is not very convenient. Firstly, postal or wire transfer of money across the CIS costs 8-20% of the amount (depending on the country of receipt). Secondly, they are "slow": telegraphic transfers take 1-2 days across Russia, and postal transfers generally take 1-2 weeks. If you send money abroad, then the money will reach the recipient in about a month. Thirdly, in order to send and receive a postal order, it is necessary to indicate the passport data of the recipient. And, finally, the last reason is the unfavorable exchange rate: the domestic post office accepts money only in the domestic currency. On top of that, there are restrictions on the amount transferred: the maximum is the equivalent of $ 300. It is not surprising that over the past 5 years the number of Russians who want to use the services of their native mail to transfer money has decreased significantly.

For some time, bank transfers served as an alternative to postal orders. But even this type of money transfer is associated with inconvenience for citizens. Despite the relative cheapness of this method (1-4% of the amount plus the receiving bank's commission for cashing out or a fixed rate of $ 30 or more), it is not very efficient: a standard bank transfer takes 1-14 days. In addition, to make a bank transfer, you will have to open a current foreign currency account and fill out payment order specifying the exact bank details the beneficiary's bank and the beneficiary's account details with this bank. In this way, bank transfers remain primarily a service for corporate clients.

And if you don't want to wait
In world practice, individuals rarely resort to postal or bank services to transfer money to other cities or abroad. Moreover, if there is no way to wait for money for weeks. For the prompt and simple (from the point of view of paperwork) sending of funds, the so-called " instant transfer". Their name is justified, since a person can receive money at any point of these systems in any country in the world within 10-15 minutes after the money has been sent. Today the most famous system is remittances Western Union, which for 10 years of work in the domestic market has established itself as a reliable company that you can safely trust to transfer money.

In Russia, companies providing instant money transfer services work through the offices of partner banks. Finding such points is not difficult: for example, Western Union services are provided in more than 1,500 bank branches. Abroad, you can send and receive money, in addition to banks, in exchange offices, shops, even gas stations, i.e. in any company that has a corresponding license and logo of the instant translation system.

It is noteworthy that the bank or any other Western Union partner does not take any additional payment for transferring or cashing out funds. That is, the sender pays a uniform tariff for the system, while nothing is charged from the recipient. Along with the transfer, it is also proposed to send a telegram to the recipient, notify him by phone or deliver a check to his home.

How to send
When making a transfer, you must present a document confirming the legality of the origin of funds (a certificate from the exchanger will do), and your own passport. Next, you need to fill out an application, come up with Security Question, as well as prescribe the purpose of the translation.

However, if you intend to send more than $ 2 thousand per day (which is a violation of the current legislation), as well as if the money is intended for implementation entrepreneurial activity or the purchase of real estate, you will be refused. On the other hand, it is impossible to control where the recipient will spend the received funds. So if your family doesn’t get tired of running to the sending-receiving point with $ 2 thousand every day, then you can buy real estate abroad. For example, to buy an average house for $ 300 thousand, you will have to receive $ 2 thousand for 5 months. But the domestic tax authorities will not squeeze.

How to get a
The first step is to call the sender and find out the transfer number and the answer to the security question - this is your password for receiving money. In addition, the operator will definitely ask you if you know the full name of the sender and his phone number. Since in Europe up to $ 400 is issued without presenting an identity card, the operator will ask you a security question. To receive an amount over $ 400, a passport is required.

As a rule, the transfer is issued in the sending currency. But do not be surprised if you are not given funds in cash, but, for example, traveller's checks... It's just that the operators sometimes may not have a sufficient amount of the sender's currency. If desired, the transfer can also be received in the currency of the country where you receive it.

And finally: what to choose?
In principle, now there are several systems of fast money transfers on the market, among which Western Union and MoneyGram stand out. The reliability of these systems is almost the same, but MoneyGram has less experience working in the world and Russian market... Western Union has been dealing with money transfers for over 130 years and over all these years there have been no incidents.

There are still three essential criteria of translation quality - speed, translation price and convenience. Translate
money via Western Union is a matter of just a few minutes, you can receive money almost immediately after it is sent. Western Union services are slightly more expensive than MoneyGram. True, when transferring up to $ 100 and large sums from $ 1.2 thousand WU services are cheaper.

As for convenience, Russian bankers recommend using Western Union services. This company has 120 thousand points of sending and receiving cash in more than 190 countries and territories of the world, while MoneyGram has almost half of them - about 50 thousand points in 160 countries. In addition, Western Union is also the leader in terms of the number of outlets in Russia - 1,500 outlets (of which 280 in Moscow), and the total number of outlets in the CIS countries exceeds 4,500.

As specialists of the marketing department of Western Union told, the company has been operating in the Russian market for 10 years, but the active growth of the population's demand for this service began only during the last five years. Obviously, our citizens, following the rest of the world, did not immediately, but still appreciate its efficiency and convenience. And just to travel around the world and spend more on trips.

How to send money transfers without commission in Russia and abroad? The most common methods: electronic money, transfer systems Zolotaya Korona, Western Union and others, intrabank transfers Alfa-Bank, Sberbank and other options.

Dear Readers! The article talks about typical solutions legal issues but each case is different. If you want to know how solve exactly your problem- contact a consultant:

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Transferring funds is a fast method of sending money using specialized services.

There are basic requirements for money transfers:

• transfer speed;
• safety of the operation;
• availability in locality points of receipt / sending of the transfer;
• minimum commission.

Each transaction involves 3 parties: the sender, the addressee, and the intermediary.

Transfer of finance

In most cases, money transfers are subject to a commission of 1-5%, depending on the amount. When sending large amounts, the commission can hit the wallet significantly.

But there are also ways by which you can make money transfers without commission.

Card to card

Most profitable way, to whom you can transfer money, is a transfer from your bank card to the recipient's plastic card.

For a commission-free transfer, both the sender's and the recipient's card must be issued in the same organization.

This method is especially convenient for those who often use translation services for the same to an individual... In this case, both parties should have their cards in the same bank.

To transfer funds, you must first replenish your account using an ATM or cash desk, and then in a convenient way to transfer money to the addressee's account.

The receiving party can also withdraw funds at an ATM or bank branch.

1. Interbank transfer. You can contact any bank by providing details foreign bank... The transfer can take 5 working days or more. To transfer, you need to know: SWIFT code, the name of the bank and its details, the addressee's account number. The commission is minimal and depends on the specific bank. For example, at Alfa-Bank, the commission for a transaction abroad starts from 1%. A limitation was imposed on transfers without opening an account - you can transfer no more than $ 5,000 per day.
2. Systems, Western Union, and others. To send money through these systems, you need to know the city and country where the addressee lives, as well as his full name. And the Anelik system also enables transfers from a mobile phone account. The addressee can receive the transfer with a passport when contacting the point of issue. The commission is determined by the size of the transfer and the country where the addressee lives. As a rule, funds arrive almost instantly, within 10-15 minutes after sending.
3. Transfer by number plastic card. This service is provided by Russian Standard Bank, Alfa-Bank and others. The list of countries where transfers are allowed is limited. The commission for this method starts from 2-3%. Limit - no more than 50-75 thousand rubles. per month. Money can go to the addressee from half an hour to one day.

Offers

There are many ways to send money, but those that are distinguished by slow transfer speeds or large commissions are not considered.

gold Crown

The recipient will be able to receive money sent through the Zolotaya Korona service at any point of issue of funds. You can see the nearest point of issue of money in the settlement on the official website of the system.

To receive money, the addressee will need to name the control number of the transfer and present a passport.

There are restrictions on the amount of transfers, they are no more than:

• 600 thousand rubles;
• 15 thousand euros;
• 20 thousand dollars.

Sberbank

Money through Sberbank can be sent to the domestic and foreign currency... Funds can be transferred both without a special account opening, and from a current account / deposit. The translation can be sent online and when contacting the branch.

For transfers through a bank, you need a passport and money. At the office, you need to fill out an application for transfer.

For transfers from deposits, an additional bank deposit agreement is required.

The maximum transfer amount is not limited, the minimum is 100 rubles. Fees for transfers in rubles vary from 1.5% to 2%, depending on the type of transfer. For transactions in foreign currency, the commission is 0.5% -1%.

Translation can be both urgent and non-urgent. Urgent ones arrive in less than 24 hours, and non-urgent ones go 3-7 days in Russia and up to 5-10 days in the far and near abroad.

MTS

To make a transfer through MTS, you need to contact the operator's office, giving the details of the addressee. It is necessary to receive funds with a passport.

In addition to direct translation through the MTS office, you can do the following:

• add the amount to the addressee's account - the payment for replenishment is low or none at all;
• the addressee needs to go to the operator's office, write an application for refusal to provide communication services and terminate the contract;
• the company will refund the funds that were in the account.

This method is suitable not only for MTS clients.

Alfa Bank

Funds can be transferred through Alfa-Bank in the Alfa-Click Internet bank, in bank branch and call center Alfa-Consultant.

If the addressee is an Alfa-Bank account holder, then the money will come to him instantly, and the sender will not be charged a commission.

When crediting to accounts of other banks, the procedure takes no more than 3 days.

A daily limitation was imposed on payments via the Internet bank - no more than 20 thousand rubles. A maximum of 50 transfers can be made with one card per month.

If there is a need for regular payments, you can issue an “Autopayment” order at Alfa-Bank.

Post office

The indisputable advantage of using the services of the Russian Post is the presence of a wide network throughout the territory of the Russian Federation. In some places, this is the only way to receive funds.

How the commission depends on the amount transferred:

• 20-500 thousand rubles. - 1.5% + 20 rubles;
• 5-20 thousand rubles - 2% + 150 rubles;
• 1-5 thousand rubles - 4% + 50 rubles;
• up to 1 thousand rubles. - 5% + 40 rubles.

Corn Map

The Kukuruza MasterCard card allows you to transfer money, and in addition pay for services and goods.

Time of admission
Almost any transfer arrives instantly or within an hour. But in some services, such as, for example, CyberMoney, sending money can take several days.
Urgent transfers are not sent without commission.

What factors affect size?

The size of the commission charged is influenced by:

1. Transaction currency. In Russia, the transfer currency is mainly Russian ruble... You can also send money to another country in rubles and in foreign currency. When transferring in rubles abroad, the system operator converts funds at a favorable rate for himself.
2. Branching of the branch network. The more branches are open, the more expensive the services are.
3. The size of the listing. Large amount transfers are subject to a lower commission. For example, for a transfer of 100 thousand rubles, you can give an additional 1%, and for a transfer of 100 rubles, you can pay a commission of 100% in some services.

On the video about the free transfer of funds

Hello dear readers of the blog site. How do I get a fee from a client for my work? Every year there are more and more ways and it makes sense to make a choice with open eyes. Therefore, I decided to help you quickly compare and select the most reliable and proven time options. These are money transfer systems, bank cards and e-wallets.

Just study the details and rates below, compare the terms and speed of the transfer. Choose the method that is most convenient for you or your client! In general, I hope that this small opus on the topic of remuneration will be useful to you.

Money transfer systems

Now there are many systems that carry out instant money transfers. With their help, it is easy to send money to any country in the world. The main advantage of such services is the ability to receive a transfer immediately in cash at the point of issue, in local currency.

There are three types of translations:

1. from card to card
2. from a card to a cash pick-up point
3. from a branch in cash to a cash pick-up point

How to choose a transfer system?

1. By the size of the commission
2. In the proximity of the pick-up points to the recipient's place of residence
3. By the number of branches in a particular country
4. By speed of international transfer
5. By fame, reputation and reliability

A giant network with a wide geography and 140-year history that covers more than 200 countries of the world. Convenient and most reliable solution for international transfers. Currency conversion is performed instantly at the current exchange rate.

# 2. gold Crown

A network with a large number of partners: you can make a transfer within walking distance in Svyaznoy, Euroset, Mts, Beeline salons. The commission is quite low, often not exceeding 1.5% even for international transfers. Currency conversion fee - 0 rubles.

No. 3. Unistream

The most profitable network for all MasterCard cardholders - from these cards you can send money transfers to any country in the world for 0 rubles using online service... You can send money both at service points and online, as well as in numerous terminals: Eleksnet, TelePay, QIWI ...

No. 4. Leader

A network from Alfa-Bank, which is more often used by Alfa cardholders. With a convenient online service for fast transfers. You can create a special wallet "Leader" or use the electronic payment service Leomoney.

Bank cards

This option is especially convenient if the recipient of the payment has a card of the same bank as you. And if you are registered in your internet bank.

Sberbank

Included in the TOP-50 largest banks in the world. The most popular bank in Russia - more than 110,000,000 clients use its services. You can transfer money using the clear and reliable Internet service Sberbank Online.

Alfa Bank

An advantageous way to transfer money, if the sender and the recipient have "Alpha" cards. In this case, the commission will be 0 rubles even for international transfers... There is an Internet bank "Alfa-Click".

Tinkoff

Revolutionary bank: no branches, no own ATMs, with the ability to withdraw cash from any ATM in the world! It is rapidly gaining popularity in Russia and already has more than 4 million customers. Transfer money from a Tinkoff card to Tinkoff map possible without commission, even if the transfer is international.

Internet money

Electronic wallets are a fast and convenient way to receive money. However, problems often arise when you need to withdraw money - transfer it from online to offline. Freelancers have to pay a commission to send money from a wallet to a bank card.

WebMoney

Large international system with enhanced security and wallet protection. You can replenish your wallet in a variety of ways: from a payment terminal to the Russian post office.

Convenient "dollar" network, more often used for sending money to the United States.

Yandex money

The Russian electronic money system, clear and simple, is well suited for domestic use.

This wallet number is a mobile phone number. It's very easy to get started and use a wallet. In Russia a large number of branded payment terminals QIWI.

But in general

I hope that the article was useful for you and that you have chosen a suitable method of transferring money for you and your clients!

In reality, it is very difficult to start a wallet in an emergency mode and try to set it up "on the run" when you need to urgently receive a payment. In this way, I got frustrated with several offers of cooperation, until I brought all my financial instruments v full order and compliance. Learn from my mistakes ...

Good luck to you! See you soon on the pages of the blog site

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A client of Sberbank can make a transfer to another region of Russia in several ways. The most popular option is to send money to a card to a client of this or another bank. When choosing a method of transferring money, pay attention to the commission, it will certainly be there.

Methods for transferring money in Sberbank

The largest bank in Russia helps to send money in different ways: using a plastic card in online mode through the Internet bank, at an ATM when entering your payment details or a third party located in another part of the country, at a branch through a cashier, by filling out the relevant documents.

When sending money by bank transfer to someone else's card, the main rule that guides the user is convenience and the minimum percentage of overpayment for replenishing the card. Sberbank offers its customers to use an automatic system for selecting the option to transfer money to regions of Russia or abroad, if necessary.

Fast translation money to a Sberbank client to another region is performed in the following ways:

Cash. We are talking about a standard transfer through the bank's cash desk, which will get to the client's card for at least a day, or urgent - "Kolibri", here the client in another region will see the transfer in 10 minutes.

Cashless way. This method is available for transferring money to Sberbank clients between accounts, cards, cards and accounts, withdrawing a transfer in cash.

Online transfers. This method has the most low interest commissions for money transfers between regions. In the Personal Account of Sberbank Online or its mobile application, sending funds is available 24/7.

Client commission percentage

The amount of interest that is charged from the sender for transfers between regions is affected only by the method of sending. The remoteness of regions from each other does not matter in the formation of the commission for services. If the sender and recipient have their own registration bank cards or bills within the same city, region, the percentage for services will not be taken into account.

Card to card

If a card-to-card transfer is made to a Sberbank client in another region, the commission is 1%. According to the rules of the company, the amount of overpayment cannot exceed 1,000 rubles within one operation. The percentage is set for both ATM and ATM transactions. Personal Area Internet banking.

For sending funds to a card of another bank in another region, the percentage of the commission will increase to 1.5 - 2%. You will have to spend as much as possible on the commission when transferring through the cashier.

The minimum percentage of bank items is 30 rubles. So, if the sender transfers 500 rubles to his opponent, Sberbank will take 6%, that is, 30 rubles, for the transfer to another region. When funds are deducted to the recipient in another currency, another interest rate- the minimum is $ 15, the maximum is $ 150.

From account to account

Transfer of funds between accounts or accounts and cards of Sberbank clients is subject to a commission of 1 - 1.5%. The first digit is relevant for online transfers, the second - for those through the cashier at the bank branch.

If we are talking about a money transfer that is carried out between different banks, then the commission percentage will be increased to 2%.

When the subscriber decides to transfer money to the account of another financial institution, the commission fee will be the same as the percentage of Sberbank for transfers to another region - 1%. Crediting funds to your own / someone else's card have a limit of 100 thousand rubles, and the percentage will not exceed the rate of 1 thousand rubles. If you need to send an amount in excess, the bank recommends using a personal deposit, which does not provide for a limit on the amount of funds sent and received.

Cash transfer

If you decide to send money to a client of your own bank or someone else's bank in another region, where the client will receive the sent amount also in cash, then you will have to do this in the nearest branch and spend an additional fee on a commission from 1.5% to 1.75%.

Financial transactions related to the transfer of cash between Sberbank clients are possible only in rubles. Transfer to other banks is available in dollars or euros.

If cash is sent to be credited to the account, then the percentage for services will be 1.75%. provided that the transfer is made between clients of Sberbank. To another bank - 2%.

How to transfer money online

The bank allows you to make instant transfers of finance using a non-cash method - account site. Required condition- the account holder must register in the system, have a plastic card or a registered deposit in the Personal Account with an available amount.

The online service of Sberbank transfers to another region according to a certain scheme. To implement it, the user performs a list of actions:

• goes to the page of the banking portal;
• logs in by entering a username and password;
• enters a one-time identification code;
• goes to the category "Payments and transfers";
• goes to the page "Transfer to the client";
• fills in the recipient's details: card code, mobile phone (optional).

In order for a client in another region to instantly receive credits to the card sent by a transfer from yours, it is enough to know only his phone number

Using the Personal Account online service, funds will be credited instantly. SMS will notify you of the receipt of finance (if the mobile is connected to the card transactions). Sberbank does not provide for the cancellation of a transfer to another region. If the client has confirmed the sending of money to someone else's card, it will not be possible to cancel the procedure. The amount will be credited to the specified details, and only the recipient can return it to the sender.

Conclusion

The bank allows making shipments to clients located in remote regions of Russia. Sberbank makes a transfer to a card in another region through the Internet bank or its mobile app remotely or directly at a bank branch. The percentage of the commission in each case will be calculated individually, be careful.