Western Union dollar transfer interest. Western Union - what is it and how to use it

All modern people highly value mobility and efficiency. That is why, if you need to list cash to another person, and to do it as soon as possible, most do not think about which program to choose. People choose Western Union money transfer.

It is about the system of instant money transfers, functioning in almost all countries of the world. This is very convenient, because in this way you can implement fast translation money abroad through Western Union, knowing that the addressee will receive the funds in just a couple of minutes.

How is money transfer made through Western Union

Let's take a closer look at what you need to transfer Western Union money. To carry out the operation, it is enough to come to any bank branch where services for such transfers are provided. You need to have your passport with you. V financial institution you will be given an application to fill out. The procedure will not take much time. Here you need to indicate complete information about the recipient: full name, address, amount to be transferred, as well as the required currency.

When the money transfer via Western Union is completed, the recipient will be able to cash out the funds in a couple of minutes. To do this, he will need to come to the bank branch with his personal passport. Before receiving money by Western Union transfer, a person will have to fill out a form to receive money. Here the data of the sender, the amount that was transferred by him, and also the control code are indicated. It consists of 10 characters and is issued to the sender after the funds have been sent. And so that the second party can receive a money transfer through Western Union, she will definitely need to provide this code.

Service tariffs

Of course, the cost of translation plays an important role. And if you need to save money, it is better to use a regular postal order. If you want the money to go abroad as soon as possible, then, of course, it is better to make a transfer through Western Union.

Western Union money transfer commission will be a certain percentage of the transferred sum of money... It should be noted that it also differs depending on the state where the transfer is made:

• to the states of the near abroad - a commission of 150 rubles. when transferring an amount up to RUB 7500 All that is above is transferred with a commission of 2% of the amount;
• to non-CIS countries - here the commission for transferring money from Western Union will depend directly on the recipient country and the amount transferred, it can vary between 250-3000 rubles.

In any case, money transfers abroad from Western Union remain very popular, because they represent a convenient and reliable service. They allow you to make transfers in different directions, to be completely sure that the money will go to the recipient.

It should be noted that in cases where the transfer is carried out in favor of a legal entity, the tariffs for money transfer via Western Union are increased. An amount up to 90,000 rubles can be transferred to the recipient by paying a commission equal to 450 rubles. All amounts exceeding 90,000 require payment of a commission of 750 rubles. If the transfer is made in dollars, then the commission for the provision of services will be $ 15 for the transfer of an amount up to $ 3,000 and $ 25 for the transfer of an amount from $ 3,000 to $ 5,000.

Such conditions of money transfer Western Union offers to its clients. And these numbers are quite reasonable.

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The international money transfer system firmly holds one of the leading positions, providing an opportunity for millions of citizens to transfer funds anywhere in the world. Western Union has been able to send finance for over 150 years, being the oldest such organization. Each transfer operation implies a certain amount of money spent for the sender. Western Union transfer fees depend on a number of factors: the amount of the shipment, the country, the currency.

Billing

Western Union service involves a commission fee. When receiving a financial transfer, the addressee does not need to pay anything extra. The commission will be higher with a greater distance from the place of transfer - sending money to a resident of the far abroad is much more expensive than to neighboring countries. On departure large sums the deduction will be less as a percentage.

In rubles

These transactions are performed instantly - you can receive the sent funds after ten to fifteen minutes. According to Russian law, money transfers within the state are made only in the national currency.

Western Union transfers within the Russian Federation have the following tariffication:

• 100 rubles commission will be written off when transferring from 100 to 10,000;
• 1% of the amount sent to be more than 10,000, but less than 100,000;
• 1,000 rubles commission - more than 100,000.

Tariffs for shipping to Azerbaijan or Kazakhstan imply a write-off of 80 rubles. for amounts from 100 to 10,000, 0.8% - more than 10,000. Western Union transactions to foreign countries will require a commission from 250 to 2528 rubles, if you send 100 - 60,000.

In American dollars

Western Union money transfers in this currency can be transferred to all foreign countries. The amount of the commission will also increase with the distance of sending funds. The lowest tariffs when transferring to Kazakhstan and Azerbaijan, sending 3-250 dollars you have to pay 2, the deduction of the fee over this amount will be 0.8%.

To transfer money to non-CIS countries, you need to take into account the minimum commission amount - $ 10. It will cost $ 101 to send more than 2,000 USD. Front financial transaction in dollars it is recommended to double-check the price of the service.

Send online

Citizens can send finances through the Western Union money transfer system using the organization's official website. Translation rates are listed on the home page. Those wishing to send money in the amount of 100-10,000 to the CIS countries will have to pay 100 rubles, 1% will be written off when transferring amounts over. The addressee will receive funds in foreign currency... If the recipient takes rubles, then 100 rubles. charge for a transaction from 100 to 5000, 2% - more than this value.

If you transfer to non-CIS countries, the minimum commission will be 100 rubles for amounts up to 10,000, over this value - 1%. By remote method, you can transfer money through the Western Union website by all bank cards, including the domestic MIR.

Other tariffs

The size of the commission, in addition to the distance of the transferred funds, is set by specific points of dispatch of Western Union: branches banking structures, Russian Post, Megafon mobile salons.

Bank branches

You can send cash through Western Union in some offices of banks that cooperate with the international system. Transferring funds within Russia will require the following commission:

• one hundred rubles - up to ten thousand;
• from ten to one hundred thousand includes one percent of the collection;
• one thousand rubles will be charged for amounts over one hundred thousand.

If you send finance to the countries of the CIS and neighboring countries, the size of the commission starts from one hundred rubles or three dollars. Rate at maximum value dispatch is one percent. For non-CIS countries, the fee starts from ten dollars or two hundred and fifty rubles.

The cost of a Western Union transfer of more than 60,000 Russian currency with subsequent intervals of 15,000 will amount to an additional 500 rubles of commission. Sending over $ 2,400 will require an additional $ 20 payment for the next $ 600.

Post office

Payment for Western Union transfers to distant countries starts from 250 rubles for amounts up to 2,500. Sending 60,000 - 70,000 will cost about 3,000. Subsequent 15,000 above the limit will require an additional 500 rubles. Sending to neighboring countries will be from 150 Russian currency to 2%.

Western Union services within Russia through post offices are not available. It will also not work to transfer cash to most of the CIS countries. The list of these states includes: Ukraine, Turkmenistan, Georgia, Kazakhstan, Azerbaijan, Belarus, Lithuania, Estonia, Kyrgyzstan, Tajikistan, Moldova, Latvia, Uzbekistan.

Communication salons "Megafon"

The commission for sending Western Union to distant countries is similar to sending through the Russian Post. Transferring amounts over 75,000 to Macau, Vietnam, Hong Kong, Taiwan, Mongolia will require a fee of one thousand of the domestic currency. The fee for transferring to a bank account in Russian currency will be 100 for amounts up to 10,000. To send 10,000 - 200,000 will cost 1%.

How do I calculate the transfer fee?

Western Union money transfer system only recently launched a sending service financial resources legal entities. The main focus of the service is sending money to individuals. To calculate the cost, you should familiarize yourself with the current tariffs on the Western Union website in advance. The main page menu offers an item for calculating the commission. When you click on this option a window will open in which you will need to enter the destination, the amount of the transaction, the method of receipt and payment.

Tariffication of transfers to individuals

Western Union offers to transfer money using one of two tariffs: "Express transfer" and "12 hours". According to the tariffication of the first type, for a minimum payment transaction, the commission is three dollars or one hundred rubles, depending on the financial unit of the item. It costs 1.2% to send the maximum allowable values.

The second type of Western Union tariff will be available for receipt twelve hours after departure according to the name. You can send a maximum of three thousand dollars or one hundred thousand in Russian currency. It is impossible to transfer money from Russia to Turkmenistan according to this tariffication. Payment for minimum amount sending is two dollars or fifty rubles.

Tariffs for foreign transfers

To send money abroad by Western Union, you should familiarize yourself with the commission, which will be written off according to the remoteness of the addressee.

To China

The PRC belongs to non-CIS countries and is in the same lineup with Mongolia, Macau, Vietnam, Taiwan and Hong Kong. Western Union transfers to China start at three dollars. Commission for maximum dimensions shipment is one thousand in Russian currency or forty-one dollars.

Transfers to Turkey, UAE

The commission for the minimum transaction through Western Union to both countries starts from 10 US monetary units... When sending the maximum allowable amounts via Western Union, the sender will pay one percent, transferring to Turkey, twice as much - the United Arab Emirates.

From RF to Ukraine

Western Union is a money transfer service in Russia and abroad.

For individuals:

Western Union transfers can be sent and received in many, in some banks, hotels, airports, currency exchange offices. Money transfers in post offices are carried out in Russian rubles and are sent only abroad.

Western Union money transfers can only be processed upon presentation of an identity card. After completing the transfer, the Russian Post employee will issue a control number of the money transfer, which must be communicated to the recipient.

Service cost - from 150 rubles.

With the help of free SMS notifications, you can monitor the status of the transfer.

The transfer can be received in cash in any currency from the list of currencies with which the point of payment works, at the internal rate of the Western Union system on the day of payment of the transfer. The sender has the ability to fix the course at the time of receiving the transfer. The transfer is stored for 90 days, then returned to the sender.

For legal entities:

The Russian Post offices are open to accepting Western Union transfers to legal entities.

To make transfers to Western Union partner organizations, the sender must provide the necessary information to send the transfer: full name, residence address and contact phone number of the sender, recipient's account number, amount of the money transfer, name of the legal entity, organization code (regional code of the recipient company in Western Union system) and the country of destination of the transfer.

It is not always convenient to transfer and receive money to other countries. In such a situation, money transfer systems come to the rescue, of which there are quite a few. Today's article is about Western Union, one of the most famous and reliable such systems. How does it work, how is it profitable, and how do you transfer money through it? Let's figure it out.

Western Union is a money transfer system originally from America. It has existed since 1851 and honestly occupies a leading place among all money transfer systems in the world. During this time, the company managed to earn enough loyalty from customers and fame, although it changed its direction of activity several times.

Description

Western Union money transfers allow you to deliver money to any location in any country. The only condition is that at this point there must be a physical separation of the system. The transfer is done at a high speed - in 10-15 minutes the money can be collected at the destination.

You can send finances both in person at the office of the translation system, and via the Internet or special terminals. But to receive - only in person in the physical department. This is necessary for the safety of receipt - the operator is obliged to look at the recipient's passport and ask him for an identification code.

Pros and cons of the system

Western Union has certain advantages and disadvantages:

Dignity

Flaws

Ease of use - you can send money in any way, and to receive there are enough points where money is given out. Prevalence. The money transfer system works almost all over the world. So it will not be difficult to send finances to relatives in a distant country. Send speed. You can receive money within a few minutes after the sender has deposited them. Security. It is impossible to receive other people's money just like that, neither during the transfer (protected by special ultra-reliable algorithms), nor upon receipt (a passport and code are required). Low commission for neighboring countries. Western Union requires an average of 1% of the transfer amount as payment for its services.

High commission for transfers in foreign currency or abroad. The cost of a transfer can go up to 10% or more, especially if you send small amounts. Not all cities, let alone villages, have Western Union. It is impossible to receive money remotely (on the other hand, this is a plus - no one will steal it). Not the most profitable conversion rate. Western Union has its own rate for each currency, so you should first calculate the estimated amount on the site using a special calculator.

In general, Western Union is a completely profitable and convenient system. international transfers, albeit with certain disadvantages.

Competitors in Russia

There are several international money transfer companies. Western Union is the largest of them, but not everyone prefers to use its services. Similar money transfer systems:

• UNISTREAM;
• Anelik;
• Contact;
• "Gold Crown".

They are all considered national operators. financial services... As a rule, they work only in the near abroad, while Western Union allows you to send money anywhere. Moreover, international system has certain advantages:

1. Reliability... There is not a single case of loss or non-delivery of money. More than 150 years of experience speak for themselves.
2. Convenience... Registration of money transfers is available in more than 200 countries of the world. At the same time, you need to pay in rubles - Western Union will independently calculate the money at the exchange rate and allow you to choose the currency of receipt.
3. Owner verification. The chance that money will end up in third hands is minimal. Because to receive a transfer, you will need not only a passport, but also a special identification code, which only the sender has.
4. Prevalence... There are Western Union branches in almost every more or less large locality country. In addition, she has a lot of partners, so it's easy to get money anywhere in the world.

And these are far from all the advantages over competitors that domestic money transfer systems cannot always provide.

How to use Western Union

Like any money transfer system, Western Union strives to be convenient for its customers. Therefore, there are several ways to use it. You should figure out how to correctly transfer money through this system so that it does not present problems.

send money

There are several ways you can send money to a recipient at a physical branch. And for this it is not necessary to look for a branch of the organization. This is convenient, especially if you need to go to another city for this. So how can you send money via Western Union?

Important! The commission is withheld from the sender, so you should familiarize yourself with the tariffs in advance.

Personally

You will need to independently look into the nearest office of the system or partners - for example, the Russian Post, Bank Vozrozhdenie, Megafon communication shops and so on are connected to the Western Union system. You must definitely take your passport and money with you, taking into account the commission. Then do the following:

• Tell the clerk to whom and where exactly you need to send money (name and city of destination), as well as select the currency, if necessary.
• Show your own passport.
• Transfer money subject to commission.
• Pick up a copy of the form with the transfer control code.
• Provide the recipient with the verification code.

This completes the sender's mission. He doesn't have to do anything else.

Online

If you do not want to get out of your home, or there are no Western Union offices in the surrounding areas, then it is best to use an online transfer. This will significantly save time. Fortunately, the system works with all bank cards, including MIR.

There are three ways to send over the network:

1. On the Western Union website. The most simple and convenient. It is enough to go to the official website of the system and register on it. Then click on the "Send Transfer" button and fill in the required data.
2. Via Internet banking of Post Bank, Vanguard and Uralsib. Allows you to use Western Union without leaving your Personal Account on the website of your bank. Depending on the institution, the search method may vary, but the essence is the same - to enter Personal Area bank, then find Western Union among the services, and then enter the necessary information.
3. In the Yandex.Money electronic wallet. To do this, it is enough to log into the wallet, find the appropriate section in the list of services and, in the same way as in the previous methods, fill in the recipient's data.

In all cases, the control number of the money transfer will be transmitted to the sender. And already he must deliver it to the recipient so that he can take the money.

Get money

You can receive a Western Union transfer at any branch of the city - you don't have to choose a specific destination.

To receive, you will need the exact amount of the transfer, a passport and the control number of the money transfer (MTCN or KNDP), which the sender has.

Let the recipient decide where to collect the money. To do this, it is enough for him:

1. Come to the department of his choice with a passport and a code.
2. Show your passport to the operator, name the code and size of the transfer.
3. Get money.

That's all. The procedure itself takes a little time - without queuing, money can be received in 5-10 minutes, depending on the speed of the operator's work. In this case, no obstacles and problems will arise.

Commission for transfers

Naturally, money transfer services are not free. You will have to pay a certain commission for each transaction. For transfers via Western Union, the following rates apply.

At the same time, when making transfers within Russia, to Ukraine, Uzbekistan, to far and near abroad, there are additional contributions... When using this direction, the higher the amount, the higher the commission. The threshold amount of the increase is 60 thousand rubles (for every additional 15 thousand you will have to pay 500 rubles). In dollars, this is $ 2400, and for every next $ 600, you will have to add $ 20. All other countries - within the framework of the specified commissions.

Where can I get a Western Union transfer in Russia

Western Union has a wide network of partners in Russia that allows you to receive and send money. In fact, in large cities, one to ten "offices" can be found within one district. We provide a list of the largest Western Union partners:

• Megaphone;
• OTP Bank;
• Uralsib Bank;
• Russian Post (including Post Bank);
• Plus Bank;
• Expert Bank;
• Promsvyazbank;
• Primostsbank;
• Rosselkhozbank;
• Eastern Express Bank;
• Zenith Bank;
• B&N Bank;
• Accept Bank;
• Ural Bank for Reconstruction and Development;
• Investtorgbank;
• Bank Ak Bars.

Naturally, this list is constantly updated and changed. Therefore, it is best to familiarize yourself with the current list on the Western Union website. In addition, they have a very convenient map by which you can easily find the nearest branch of the service.

How to track a transfer via Western Union

The easiest way to find out the current state of finances is on the Western Union website. To do this, you don't even need to register - you just need to click on the "Transfer status" button and enter the money transfer control number (MNDP).

If you do not know the KNDP, then there are two other ways to find out the current state:

1. Enter on the website in a special form the sender's phone number, country of receipt, exact amount in the respective currency and the approximate date of the transfer.
2. Enter the names of the sender and recipient, and then also select the country of transfer, indicate the exact amount and the approximate date of the transfer.

After that, the site will provide the necessary information. Thus, you can find out the current state of the transaction without unnecessary problems.

Western Union tariffs for ruble transfers are set in Russian rubles, regardless of whether the money transfer is sent within Russia or abroad. The applied tariffs are flexible enough, with the availability of specification for individual regions of the far abroad .. For individual countries, the international money transfer system Western Union sets individual tariffs for the transfer. In the Western Union money transfer system, tariffs are divided into two types:

• "Urgent"
• "12 hours"

1. Western Union tariffs for transfers within Russia

   In accordance with Russian legislation all transfers of funds within the territory of Russia are carried out only in rubles, and payment for the transfer is also made only in rubles.
   

2. Western Union tariffs for transfers to neighboring countries

   The Western Union system classifies the following countries as neighboring countries: Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan, Uzbekistan, Ukraine.

3. Western Union tariffs for transfers to foreign countries

   Non-CIS countries include all countries, except for countries and regions that are reflected in other ruble tariffs.
   

   
   

   Tariffs for transfers to non-CIS countries (Russian rubles)
   Money transfer amount	Rate - urgent
   RUB 100.00 - RUB 2,500.00	RUB 250.00
   RUB 2,500.01 - 5,000.00	RUB 500.00
   RUB 5,000.01 - RUB 10,000.00	RUB 750.00
   RUB 10,000.01 - RUB 15,000.00	RUB 1,000.00
   RUB 15,000.01 - RUB 20,000.00	RUB 1,250.00
   RUB 20,000.01 - RUB 25,000.00	RUB 1,500.00
   RUB 25,000.01 - RUB 30,000.00	RUB 1,778.00
   RUB 30,000.01 - RUB 40,000.00	RUB2,028.00
   RUB 40,000.01 - RUB 50,000.00	RUB 2,278.00
   RUB 50,000.01 - RUB 60,000.00	RUB 2,528.00
   RUB 60,000.01 - RUB 75,000.00	RUB 3,028.00

   For amounts over 75,000.00 rubles in each subsequent interval of 15,000.00 rubles, 500 rubles are added to the payment for sending the transfer.

4. Western Union tariffs for transfers to the People's Republic of China, Mongolia, Hong Kong, Taiwan, Macau and Vietnam.

   When sending a money transfer in rubles, the following should be taken into account:

   
   
   1. Payment of money transfer "12 hours" is possible after 12 hours from the moment of departure.
   2. The transfer fee is charged only from the sender of the money transfer. Payment for
      the transfer can be charged from the recipient of the transfer only if the transfer is sent to the address of the legal entity that is the payer of the transfer fee.
   3. For transfers from Russia to Turkmenistan, the “12 hours” rate is not applied.
   4. Russian Post does not send money transfers within Russia, as well as to Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, the Republic of Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Ukraine.
   5. Maximum amount transfer for residents of Russia in the near abroad is 5,000 US dollars or the equivalent in Russian rubles within one business day.
   6. The maximum amount of money transfer "12 hours" cannot exceed 100,000.00 (one hundred thousand) rubles.

   With information about money transfers"Western Union" (Western Union) can also be found in the materials.