Unistream transfer to which bank to send. Where and how to get money transfer unistream

On the territory of Russia, Western Union today has a couple of solid competitors. The latter include the Unistream payment system. Unistream, in contrast to Western Union, was developed by a number of Russian financial companies... And compared to its one-and-a-half-century rival, Unistream is just a “baby”, since the company of the same name and a payment system based on it began their work in 2001. Over the 15 years of its operation, Unistream has turned from a small financial exchanger into a mega-network, which has both representative offices in a series of partner banks and its own branched structure. Unistream has 185 thousand money transfer points in Russia alone. In the CIS countries, there are up to 15 thousand such points.

And in the countries of near and far abroad, the services of this payment system are available at 111 thousand points. With the help of this financial transfer system, money can be sent and received both in Russia, and in the CIS, and far abroad. Only 117 countries of the world are included in the coverage area of ​​this system, and there are own representative offices (that is, not in partner banks, but separate Unistream offices) not only in Russia, but also in Greece, Great Britain and Cyprus. It all started with the fact that already at the turn of the 90s and 00s in Russia there was a fairly high demand for money transfer services. Especially on relatively small amounts that were listed by individuals, for example, in material assistance relatives.

But Western Union most individuals then, in general, I was never able to afford it. Sberbank has just started its activities in this area. Other banks, such as B&N Bank, VTB, are out of the question. It was the demand that gave rise to the offer in the form of the Unistream payment system, which at first had a fixed commission of 1%, which was suitable for most clients. By 2005, the annual working capital of the project was estimated at many millions of dollars. IN last years Unistream not only actively cooperates with Russian and foreign banks, but also promotes to the financial market a package of proposals that relate not only to money transfers. These are also branded bank cards that have a number of bonuses within the payment system. And taking on obligations to other financial institutions for charging commissions when the clientele uses their services. And corporate Banking services... And the issuance of loans. And much more.

Moreover, in 2015, Unistream launched the ability to transfer money online within its system. Cash can now be transferred without leaving home. Soon a number of partner banks also connected this Unistream service on their websites. Transfers can be made from bank cards, and not only from Unistream cards, but also from plastic cards of many other banks. If only the card was included in VISA system or MasterCard, which can be said about 90% of all bank cards of the civilized world.

Unistream rating and types of representative offices of this system

A year ago, the Russian analytical firm Expert RA gave the payment system the highest A + rating, which means the highest degree of creditworthiness and long-term stable financial and economic growth. Slightly lower, but also highly rated Unistream at the international level, assigning a BBB rating, that is, “moderately high potential in long-term creditworthiness”. By 2016, Unistream in Russia and in the world maintains cooperation with four hundred financial organizations. In the capital alone, 49 banks cooperate with Unistream. In general, all the current points of this system can be divided into 4 types:

1. Representation and accreditation in a bank, when a banking institution deals with Unistream transfers. It is easy to find out whether it is possible to make a transfer in such and such a bank, even without consulting an employee. Various certificates, licenses, awards hang at the central entrance to the bank. There are also markers of payment systems. If there is an icon that says Unistream, then you can send money here using the selected company. There should be a corresponding note on the bank's website. Many Russian banks today cooperate with this payment system: B&N Bank, Sberbank, Uralsib, Kapitalbank, Promsvyazbank, Master-Bank, SberInvestBank, OTP-Bank, etc. B&N and Sberbank have included Unistream among their permanent partners. Sberbank and especially B&N Bank are active intermediaries of this money transfer system. A complete list of organizations included in the payment system network can be found at unistream.ru. In which bank to make your payment is a personal matter for each client.

2. Own Unistream offices, network cash desks and specialized banks. There are about 260 such offices in Russia. In addition, there is also Uniastrum (Unistream) Bank, from which, in fact, everything started in 2001. In 2006, it was reorganized into OJSC CB Unistream, having received a license to carry out an extended banking in future.

3. Self-service points and terminals. For example, through QIWI terminals (QIWI) it is easy to send money wherever you need it.

4. Registration of money transfers via the Internet and via cellular communication. The latter is possible if the "MOBI.Money" service is connected to the mobile device. And there are transfers through mobile communication only on the territory of Russia.

Why did Unistream manage to create competition even for Western Union? Probably, you should start by listing the advantages and advantages of this payment system:

• for almost all transfers (excluding the far abroad) the commission is 1.2%, which is a little compared to the same "Western Union";
• commissions for transfers far abroad are compiled depending on the amount transferred, but the percentage here is still slightly lower than that of the main competitor;
• mobility and speed - the ability to transfer money even online, and the waiting time for a transfer does not exceed 15 minutes;
• the recipient does not pay any commissions at all;
• money can be received in any form: cash, bank card or an account to the wallet of any electronic service (WebMoney, Yandex.Money, QIWI);
• Unistream works with the three main currencies for Russia - rubles, dollars and euros;
• as such, the payment system itself has no transfer limits. The limit common to the entire Unistream structure is valid only for bank cards, from which more than 100 thousand rubles cannot be transferred at a time. Another thing is that some banks are introducing their own additional restrictions: for example, B&N Bank has limited maximum amount a one-time transfer in the figure of 900 thousand rubles, and Sberbank - 500 thousand rubles. Binbank also set a condition that only one transfer can be made per day (in each bank it is necessary to clarify the additional conditions of this organization);
• concerning minimum amount, then there are no restrictions here. You can transfer at least 100 rubles. True, when sending to other countries, there is little sense in such a payment;
• a very important point that gives the described payment system some advantage is the ability to take the recipient's money to a third party if this person has a power of attorney certified by a notary;
• and finally, Unistream guarantees reliability no less than that of Western Union. When using the described payment system, the client's money is not threatened with disappearance or "freezing" halfway to the addressee.

How to receive money sent via Unistream

Despite the abundance of ways to transfer money, so far the most common option is to visit a partner bank "Unistream". The Internet, of course, has a lot of undeniable advantages, but so far not all banks have an online transfer service. And in itself it is still "raw", since it was launched by the company just a year ago. Which banks most frequently receive requests to transfer money through Unistream? Of course, Sberbank is always popular. Although Binbank and Promsvyazbank will soon catch up with the number of transfers. In general, the scheme of actions here is similar to the one that exists in all similar payment systems:

1. On the website of the partner bank or Unistream, the payment status is displayed in real time. Sometimes with a delay of several minutes. Depends on the bank in which the transfer was made.
2. As soon as the status “Ready” appears (“Payment completed”, “Transfer completed”, etc.), you can immediately go to the nearest suitable bank. On the unistream.ru website, the online card mode will show where the nearest bank is located, which supports this payment system... You can order an email notification service. By the way, in B&N Bank regular customers Unistream receives it automatically. And in Sberbank, they always strongly recommend connecting the universal SMS notification service for 30-50 rubles per month.
3. For citizens of Russia, only a passport will be required from the documents (without an identity document, it is impossible to issue money). Non-citizens for transfers up to 5 thousand dollars / euros will only need to present a migration visa (or a work / student visa, if a person came to Russia for these purposes). For transfers over 5 thousand USD That is, non-citizens will also need a residence permit document. If there is none, then this is the limit - 5 thousand dollars / euro.
4. The sender must necessarily inform the recipient by informing the latter of his full name, exact amount, currency and, most importantly, a control, secret code, without which it will be impossible to receive money.
5. After presenting the passport, the recipient fills out the form in the form and signs on the receipt.
6. It is advisable to check the amount of the received amount again. Any discrepancies are best voiced immediately on the spot, upon receipt.

Further development prospects

This is a general algorithm of actions, regardless of the bank in which it is carried out. No bank has the right to impose any additional requirements and interest on the customer. It is important to note that there are more options for sending money than options for receiving it. Sending is possible through a bank, and through the cashier of the system, and online, and even by phone. But to receive money, with the exception of certain cases, you can and should personally at the bank. For reliability. Now, however, the service for automatic translation money for wallets of Internet services (the same "WebMoney"). Today the company is not going to be satisfied with what has already been achieved. For example, in 2016, more than 20 new “products” were introduced. Among which, for example, payment of loans and utilities.

Sberbank and B&N Bank were the first to introduce these innovations. In Sberbank in 2016 it became possible to repay loans through Unistream. Moreover, a loan can be taken both in Sberbank itself and in a third-party organization. B&N Bank offers its clients the issuance of loans from "Unistream", as well as payment of utility bills through it. B&N Bank experts say that it will be much safer and easier for the clients themselves. In any case, the percentage of users of the described service for making money transfers is growing. We can safely say that next year the number of clientele (episodic and constant) will increase again. Therefore, an article devoted to the analysis of the main points of the work of the Unistream system will not be superfluous.

Will share

Will share

Among banking services that allow people to instantly send payments around the world, Unistream is one of the most popular. This publication will help you find out useful information on the operation of the system and on the rules for using it.

Giving preference to the Money Transfers service from Unistream Bank, clients choose not only convenience and low tariffs for using the service. Its other indisputable advantages also contribute to the growing popularity of the service:

• money delivery speed: regardless of the remoteness of the country, money will be available within 15-20 minutes;
• a developed network of its own cash desks and partner service points, including terminals;
• “Internationality” of the service: Unistream money transfers are available in 100 countries of the world, branch addresses can be easily found on the website;
• free SMS-informing service of the recipient (that money was sent to him) and the sender (when the payment was made);
• an opportunity for both sides of the process to find out about the status of the payment by entering the name of the person who sent it and the number (the main page of the site, the “Transfer Status” tab);
• availability of addressless transfers, when the beneficiary has the opportunity to come for money to any destination in the country of destination, working with Unistream;
• the ability to send money transfers to Unistream from your mobile;
• the availability of services for people without bank accounts;
• conversion of the transfer and its payment abroad in another currency (at the request of the sender);
• accurate preliminary calculation of the commission using an online calculator that takes into account the tariffs of the country and the bank branch involved in the process of sending / receiving Unistream money transfers. Moscow, for example, has many partner branches and, after making settlements for the points of several banks, you can choose the lowest tariff.

In an effort to become as useful and attractive to customers as possible, the service has no right to deviate from the legislation of the Russian Federation. Therefore, there is a framework within which Unistream works. For example, restrictions have been introduced on the amounts allowed by law and their number:

• When transferring money across the territory of the Russian Federation, a one-time payment from Unistream cash desks cannot exceed 900 thousand rubles. The restrictions of foreign partner banks should be found out in their points.
• Transfers abroad for Russians are limited to 5 thousand US dollars, and for non-residents of the Russian Federation there are no restrictions.

In addition, the Unistream system has introduced the following requirements for transfers:

• Domestic transfers are feasible only in national currency, international - in foreign (US dollars, euros).
• Service registration does not allow the use of copies of identity documents (even notarized).
• Non-citizens of the Russian Federation cannot receive an amount over 75 thousand rubles without providing a migration card and registration papers.
• It is possible to send only a direct transfer to the far abroad.

Taking care of the convenience of customers, the service has provided several ways to send money. The client can:

1. Contact Unistream points or partner offices. The procedure algorithm is simple:

• show the operator's passport;
• then inform where to send the funds (city, if necessary - country and service point), name of the beneficiary, the amount to be transferred;
• receive a receipt with the transfer number, provide the necessary data about the transfer (number, amount, point of receipt) to the beneficiary.

2. Use payment terminals.

Unistream has its own self-service payment devices installed in the bank's branches. There are a number of branches in the capital where Moscow can make round-the-clock Unistream money transfers, their addresses are posted on the main resource page.

Such payment forwarding systems as QIWI, Eleksnet, Compay, Delta Key, PinPay, TelePay also work with Unistream. The algorithm for transferring money through terminals is approximately the same for all devices:

• You need to select the tabs "Banking services" / "Money transfers" / "Unistream".
• Sequentially fill in all the items offered by the device: full name and mobile numbers - your own and the recipient, the city of receipt, the number of the transferred amount.
• Deposit money into the receiving window.
• Receive a check with the transfer number, which should be communicated to the recipient.

3. Transfer money from your phone (mobile) account to one of the points serving Unistream.

This service is provided by such operators as MTS, Rostelecom-Ural, Megafon, Beeline. Unistream money transfers are also possible through the websites of the partners of the system "Mobi.Money", " Payment World RuRu ”through web forms on their sites. To transfer funds from a mobile, you must perform the following actions:

1. Send SMS to 3116 or 7878 if you plan to issue payment in dollars. In SMS, the following data are indicated in turn:

• service identifier - unit;
• a space is inserted;
• transfer amount (min - 100, max - 15,000) in rubles;
• a space is inserted;
• three-letter country code (for example, Ukraine - UKR);
• a space is inserted;
• surname (space), first name (space), patronymic (space) of the recipient;
• surname (space), first name (space), patronymic (space) of the sender.

2. The specified amount plus commission will be debited from the mobile account. Then you will receive an SMS with a control number and the country of receipt of the transfer. This data must be transferred to the recipient.

This procedure is presented more clearly on this page.

4. Owners of banking MasterCard cards, Maestro, issued by Russian banks, can send money from these cards online, through the service MasterCard Mobile.

You must first register on the service. Subsequently, you can enter using your username and password. The section on sending money has a simple interface. In special columns, you will need to indicate:

• the country where the funds will be received;
• Full name of the recipient and the sender;
• amount, currency of debiting (limit - 15 thousand rubles);
• number of the card from which the money is debited.

5. Use the electronic resource Unistream Money.

This service works like an electronic wallet. The money in the wallet can be spent on various payments, including Unistream money transfers. The addressee decides where to get the transfer. The sending party only indicates the country of receipt. The wallet is replenished as follows:

• By depositing cash at the branches of all services serving Unistream.
• Transfer of funds from a bank account.
• Through the salons "Messenger".
• By means of a MasterCard.

The transferred funds go to the cash desks of CB Unistream or to branches of the banks cooperating with it. With an address type of transfer, the beneficiary must know the specific point of receipt, amount, currency, transfer number, name of the sender. You can get money only by informing the operator of all these data and showing your passport. Finding a convenient branch for visiting is easy using the search engine map on the main Unistream website.

1. The amount of the transfer fee depends on the tariff policy of the sending bank. By calculating several departure options on an online calculator, you can select the item with the optimal commission.
2. Receipt of a large amount (100 thousand rubles or 1 thousand dollars) should be preceded by a call to the department to make sure it is available. An order for receiving money is carried out through the form page.
3. Some branches belonging to Unistream Bank carry out money transfers in St. Petersburg (St. Petersburg) and Moscow around the clock. The addresses of these points are posted on the official Unistream website.
4. Sending money through the network of its own transfer points is charged by the service at the lowest rates.

There are many types of money transfer systems. Each has advantages and disadvantages. Unistream is very popular thanks to a large number points of acceptance and delivery, as well as terminals where you can carry out the operation, ease of sending and the possibility of quick receipt of money. All this makes it a leader in the financial market. Residents of the Russian Federation can carry out operations not only on the territory of the state. This is a great way to transfer money to CIS countries. Main question, arising from the users of the system, where to get the translation of Unistream

To pick up the transfer, you must personally visit the branch of the above institutions. You need to take your passport with you and contact the cashier. Tell the employee the code, which is the transfer number known only to you and the sender. The amount and currency of the transfer. Data of the person who performed the operation. Fill out the form to receive funds and sign it. Show your identity documents. After that, you will be given a receipt according to which you will receive money.

Where to get money transfer from Unistream

You may find that different banks may have different conditions imposed by the institution. This concerns maximum size payments that can be received per day. B&N Bank has set a limit of nine hundred thousand rubles. This applies to both sending and receiving funds. Some set a limit on the number of shipments - no more than one per day. This is the internal policy of banks. You should know that they have no right to set their own commission size, or to impose Additional services not related to translation. If you are required to open a special account or card, this will be a direct violation of your rights. Unistream money transfers are addressless and do not require additional conditions. To avoid such misunderstandings, it is worth knowing in advance about all the intricacies of the procedure. This can be done on the official website of the financial institution, or directly at the branch, in consultation with an employee.

Which banks in Russia can you get

Cash sent through the Unistream system can be obtained at the branches of banks that are official partners. is it financial institution the participant of the program can be recognized from the information posted on the official websites, and visually - if there is a characteristic emblem belonging to the system in the bank premises. The list includes the most popular banks in the country:

• OTP bank.
• Uniastrum Bank.
• Promsvyazbank.
• B&N Bank.
• Capital bank.
• Invest bank
• PTB.
• Industrial savings bank.
• Moskovsky credit bank.
• SKB-Bank.
• Uralsib.
• Southern Russian bank.

Which banks in Ukraine can you get

If you are a resident of Ukraine, instant transfers from relatives from neighboring countries are available to you. Finding the right branch is easy for you. The international system cooperates with the largest banks in the country.

• Oschadbank has over six thousand representative offices in Ukraine. It is not possible to pick up a transfer in cash at all service points, since such an operation is not carried out everywhere.
• Privatbank is the largest system bank... It has offices even in Russia.
• Raiffeisenbank Aval is part of the Credit Agricole group.

How to send money transfer to Unistream

It will take a couple of minutes to send the transfer. Contact the branch of the partner bank, provide the employee of the institution with the recipient data, locality transfer, amount and currency of sending. Show proof of identity. You will be given a form with the transfer number. This does not require opening a bank account. Now you need to notify the recipient, provide details. In the event that the transfer was made to a certain point of acceptance, do not forget to inform about it and indicate the address.

There is another option for sending a transfer to Unistream - on the main page of the unistream.ru site, click "Make a transfer" and fill in the necessary data.

Banks imposed conditions

Having learned all the nuances, positive sides and features, where and how to get remittance Unistream, in what banks and under what conditions you can send and receive funds, you will protect yourself and your loved ones from unforeseen expenses. An incredibly convenient way to instantly transfer money anywhere in the country, designed for individuals and non-commercial purposes, will help you send money safely to any country.

Instructions

How to send money.
This can be done in several ways: through the cash desk of Unistream Bank, through payment terminal, through the electronic wallet Unistream Money, transfer from the account mobile phone, transfer from a bank card MasterCard or Maestro, deposit Money to a bank card through Unistream points. Each sender can easily choose a convenient method for himself.

Transfer of funds through a payment terminal.
The most common type of money transfer is considered to be a transfer through a payment terminal. No hard work this action will not amount to. Terminals can be found in almost any store. The advantage of this method is that the terminals work around the clock, that is, you can send it at any time. The very execution of the translation will take you a few minutes.

Transfer of funds from a mobile phone account.
Another, no less popular method is the transfer of funds using mobile networks. Thus, sending can be carried out through the operators Megafon, Beeline, MTS. In addition, it is possible to use websites and applications for the phone. Funds are instantly debited from the mobile account, and in a couple of minutes they can be withdrawn at any Unistream outlet.

Transfer of funds from a MasterCard or Maestro card.
If you are the owner of MasterCard or Maestro cards belonging to any Russian bank, you can easily make a money transfer through the MasterCard Mobile service, where you will need to register. All you need is Internet access. The service is available at any time. And the process of sending money itself will take only a few minutes.

How to receive a money order.
To receive a money transfer, you need to come to Unistream Bank or any branch of a partner bank. To find out their exact addresses, you should go to the website http://geo.unistream.ru/16/, select your city (if necessary, you can indicate the street) and familiarize yourself with the list. Provide the bank employee with the control code, the currency of the transfer, the exact amount, as well as the full name of your sender. Do not forget to present any document proving your identity.

What you need to know when receiving a money transfer.
If you receive an amount of cash more than 75,000 rubles. and at the same time you are not a citizen of the Russian Federation, you will need additional documents such as registration document and migration card. If someone else (a representative) receives money instead of you, he must have with him not only a passport, but a notarized power of attorney. If you receive an amount of more than 500 euros, 1,000 dollars or 100,000 rubles at the Unistream cash desks, then you need to call the bank branch in advance and inquire about the availability of free funds.

There are many money transfer systems in the world: Western Union, Privatmani, Union Express, Unistream and others. Each of them has its own advantages and disadvantages. A client who does not yet have experience in sending money should find out exactly in which bank you can receive a Unistream transfer or another transfer (if a different system is chosen).

Receiving money transfers

How to choose a transfer system so that the recipient does not have a problem to pick up the money? The sender must necessarily know in which locality the money will be received. The second step is to see which banking institutions are represented in this city or town. Then the sender visits the sites of these banks, looks if there is information about Unistream. Transfers, addresses of bank branches in each locality will necessarily be displayed on the websites of institutions. This information will help to avoid misunderstandings.

In which bank can you receive a Unistream transfer in Russia?

The Unistream transfer system is widely represented in Russian financial institutions. The service system of Unistream in Russia covers about 185,000 points (this is bank branches and self-service terminals in shopping centers, bus stations and railway stations).

The base bank of the system is CB Unistream. The central office of the financial institution operates in Moscow, and branches are located throughout Russia; there are also representative offices of the bank in Ukraine and in neighboring countries. In addition, Russians will be able to send and receive money through Unistream in the following banks: JSCB Uniastrum Bank, JSC Binbank, JSCB Invest Bank. The partners of the system also became: "PTB", KB "Druzhba", "OTP Bank" (as you know, this is a large systemic international financial institution), CJSC Industrial Savings Bank, Credit Bank of Moscow and other banks.

Specifics on partner banks in Russia

OTP Bank has a very good regional network. Bank branches are located in 44 cities of the country. These are both regional centers and large cities that do not have the status of regional ones. For receiving a transfer, a client at OTP Bank will not pay any commission, and sending will cost only 2% of the amount (the transfer amount is not more than 100,000 rubles) and 1.5% of the amount (if more than 100,000 rubles are sent).

Uniastrum Bank, as a purely Russian financial institution, has more branches than OTP Bank. Where can I get a Unistream transfer through the system of this bank? The answer can be found on the institution's website. Its branches are located in 70 Russian cities, from Moscow to the Far Eastern Khabarovsk. Receiving a transfer at the cash desk or terminal is free of charge, regardless of the currency in which the money transfer was sent.

As already mentioned, B&N Bank also works with the Unistream system. Transfers (the addresses of the points are on the bank's website) can be sent or received. You can instantly pick up a transfer sent in another city at the box office. The payment of the transfer is certainly free of charge. Sending money to customers will cost only 1-1.5% of the payment amount. The bank is represented in most regions of the country.

Receiving money through "Unistream" in Ukraine

We have already said that the translation system we are considering is international. In which bank can you receive a Unistream transfer in Ukraine? Most large Ukrainian banks work with this system, so those wishing to send or receive a transfer will have absolutely no problems.

Ukrainian "Oschadbank" (translated into Russian - "Sberbank") has been working with the Unistream system for over 10 years. Although this bank has the widest network of branches in the country (more than 6,000), not all outlets work with money transfers. But this inconvenience will not prevent those wishing to carry out a money transfer operation even in a small regional center.

The largest systemic bank in Ukraine, Privatbank, which also has branches in Russia, Georgia, Latvia, Cyprus and Portugal, is also a member of the Unistream system. With Privatbank, it is easy to receive transfers, because you do not even have to go to a bank branch. You can receive a transfer either through an ATM or a self-service terminal, or through the Privat24 Internet system. Lovers of traditional banking services can contact the bank cash desks.

System "Unistream": transfers in which banks in Europe can you receive?

In Europe, receiving and sending Unistream transfers is also possible. We have already talked about OTP Bank in the context of Russia, about Raiffeisenbank Aval in the context of Ukraine. But the same banks are present at financial markets leading European countries! In addition, the French group "Credit Agricole" cooperates with this system.

We hope that now everyone will be able to quickly figure out in which bank you can receive the transfer of "Unistream". This is one of the most authoritative international systems money transfers, so each client is always confident in the reliability of the system.