Western Union - what it is and how to use it. Western Union tariffs for transfers - in US dollars Western Union what percentage

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

For individuals:

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

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

The cost of the service is from 150 rubles.

Using free SMS notifications, you can monitor the status of your transfer.

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

For legal entities:

Russian Post offices are now 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, residential address and contact phone number of the sender, recipient's account number, money transfer amount, 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.

To send a money transfer you must:

• Come to the nearest customer service point Western Union.
• Inform the operator of the recipient's full name and destination of the transfer.
• Present a passport or other replacement identification document (residence permit in the Russian Federation, military personnel ID, military ID or a document issued in replacement of a lost passport).
• Deposit the transferred amount and pay for the service at the current rate at the Bank's cash desk.
• Receive from the operator a copy of the form, which indicates the control number of your transfer, which must be communicated to the recipient (without it, the recipient will not be able to receive the transfer).
• Notify the recipient about the transfer.

To receive a money transfer you must:

• Know the control number, transfer amount, full name of the sender, country of departure, response to Security Question(if the sender included a security question in the transfer form).
• Come to the nearest customer service point.
• Present to the operator an identification document (passport, residence permit in the Russian Federation, military personnel ID, military ID or a document issued in replacement of a lost passport.

Restrictions on sending funds:

• You can send no more than 5,000 USD(equivalent in rubles). For foreign citizens this limit is higher - 7500 USD.
• Maximum total amount cross-border money transfers sent by one sender to one country: 600,000 RUB per month (equivalent in USD/EUR). The maximum transfer amount to the countries: Kazakhstan, Kyrgyzstan, China and Vietnam is 100,000 RUB per month (equivalent in USD/EUR).
• Within Russia you can only send rubles. You can receive a transfer abroad either in US dollars or in the currency of the receiving country.

Ways to send and receive money:

• At the bank office.
• Through an ATM. All you need is a plastic card.
• Through the Internet. If you have remote access to your bank account.
• Through the post office upon presentation of your passport.
• Via self-service terminal payment system QIWI. Without a passport and bank card. The maximum transfer amount is 15,000 RUB.

In this section, all information (including tariffs) is provided for bank branches.

Western Union is one of the monetary systems, distributed throughout the world. The system has a personal website where you can send funds online. You can also contact one of the company's offices. Please note that Western Union transfers are carried out with a minimum commission, and the sending procedure is simple. Next, let's look at how to send Western translation Union and what commissions the service provides.

The system is not the most complex operation. There are two options for sending funds: online or in a branch. At the same time, Western Union transfers through Sberbank Online operate in 199 countries around the world. There are payment offices in every city. To send, you must provide the recipient's passport information. When transferring it is assigned personal code, which must be communicated to the payee. Only through this will he be able to withdraw funds from the system.

Thus, the answer to the question: “How Western Union works” can be found on the organization’s website. The sender of the funds sends money to the client, pays a commission, and the recipient takes funds from the system in 9-14 minutes, providing a passport and secret code. Issuers of Western Union are some Russian banks.

Western Union is a popular money transfer system

You need to go to the website, select a country and indicate a city to search for service points. The page will list the various branches with addresses and phone numbers. Opening hours are also indicated. Before transferring money, you need to clarify the specifics of the branches.

Rates

All prices can be calculated using a calculator. To do this, you need to go to the “Commission Calculation” page, select the country where the transfer is being sent, for example, from Russia to the UK. Wherein minimum amount transfer - 200 rub. The system itself carries out the conversion into pounds sterling.

So, for example, if you need to send 10,000 rubles, then the commission will be 100 rubles. So we can say that the commission is 1%. Sometimes Union conducts various promotions, offering the client promotional codes for a discount. The promotional code is entered on the transfer sending page and allows you to receive a discount on the commission. In some cases the discount reaches 100%.

Accordingly, the client must pay not only the amount to be sent, but also the amount of the commission so that the funds are delivered in full.

Advantages and disadvantages

The service really has a lot of advantages. First of all, it is worth noting:

• speed of delivery of funds;
• wide use;
• a large number of issuers;
• low commissions;
• ample opportunities to send funds to various countries peace;
• the ability to send transfers online; the ability to track the status of the transfer on the official website using the Money Transfer system.

Among the shortcomings we note:

• not all cities are equipped with offices to accept funds;
• Mandatory registration with entering a mobile phone number is required;
• if payment is made to a foreigner, then it must be taken into account that exchange rate differences will be added to the amount of expenses;
• If funds are sent online from a card to another country, the bank that issued the plastic may charge an additional commission.

You can send a transfer through the organization’s office

The system has been on the market for quite a long time and before making a transfer, it is necessary to clarify in which banks you can receive funds and where the official Western Union website is located. Having such information, you can work without fear of fraudulent schemes.

How to send a Western Union transfer

Before transferring money, you need to clarify the cost of the commission and the possibility of transferring funds to a specific country. Sending money using this algorithm:

• you need to go to the website;
• register in your Personal Account;
• enter mobile phone;
• log in;
• go to the “Submit” page;
• indicate the country of transfer and view the commission amount;
• send funds from a plastic card.

Only Visa and Mastercard are accepted for payment. gold Crown And American Express. Social cards are not accepted for payment.

Once the funds are deposited, they are instantly sent to the recipient, and the recipient can withdraw them using their passport and code number approximately 5 minutes after sending.

Online transfers

The online system was created specifically for the convenience of clients. In addition, not all cities in Russia have offices for sending funds. It is for this reason that the organization’s website was created for the transfer of funds. Once registered, you can easily send funds. There is no need to provide any unnecessary data, such as passport information or other documents. All you need is a mobile phone.

Receiving transfers

Receipt is the final step in the collaboration between recipient and client. Only an individual can withdraw money. For legal entities such withdrawal is impossible. To receive it, you also need a code that the company sends to the sender’s mobile phone. Funds are issued almost instantly, and there are no delays.

You can get money from the bank

Terminals

A new feature is the presence of Western Union terminals. These terminals are intended only for sending funds to any country in the world. The commission is 1%, but not less than 100 rubles. To send, you need to enter the recipient’s details, deposit funds in cash and click “Send”. Funds are delivered in 5 minutes.

Mail

Transfer via mail is the longest option. However, it is worth remembering that if the system sends funds instantly, then Western Union money transfers online through Russian Post can take up to 2 days. The fact is that incoming payments are processed manually and for quite a long time. Receiving funds via Russian Post will also take at least 2 business days.

Sberbank

Sberbank allows you to receive and send money transfers. The transfer is carried out in 4 currencies: US dollar, euro, Ukrainian hryvnia, Russian ruble. The commission is set by the bank and the system itself. Receiving a transfer in any country in the world is free, but the recipient can only be an individual. Translation time: from 13.5 minutes.

Unlike standard systems, Sberbank has more long terms delivery of funds, but in general they are shorter than in any other organization.

Thus, receiving a Western Union transfer online to a card today is not difficult. When thinking about where to receive a Western Union transfer, you need to remember that some banks are among the issuers of the system Russian Federation and Western Union offices in various cities of Russia. The official website of this bank will tell you how to receive a Western Union transfer from Sberbank.

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Many people are faced with the need to transfer money from abroad or abroad for various reasons: work trips, tourist holidays, change of place of residence, etc. Western Union – large international system, allowing you to transfer money safely and quickly. Let's talk about how to transfer money to Western Union using various methods.

What is needed to transfer money to Western Union

What is needed to transfer money through Western Union? In most cases, only the recipient's information is required to complete the transaction, however, in some countries, the sender will also need to present identification when visiting the office to complete the transfer.

It is also necessary to have the transfer amount in the form of cash or on a card, taking into account the commission charged. The commission amount can be found on the WU website.

Depending on the type of transfer, you may need information about the recipient's bank account or additional information. Also, when making a cash transfer, it is necessary that there is a Western Union office in the recipient's city. This information can also be clarified on the system website.

Step-by-step instructions for performing a translation

Make payments and transfers through Western Union very quickly, because... The system is maximally optimized for the user and easy to use. Here are step-by-step instructions:

• Find out the details of the recipient of the money. Before transferring money, find out the person’s full last name, first name and patronymic. In addition, you will need to accurately name the country and city of departure.
• If you are sending money abroad through a company office, you will need to fill out certain forms. First of all, you should indicate the recipient's full name. If the transfer is made to a bank account, then you will also need to indicate BIC and IBAN - these are the values ​​​​that are assigned all international bank accounts, as well as the recipient's bank account number. Some countries may require additional information from the sender and recipient - for example, a certificate of income. Information about these conditions should be found on the official WU website.
• Write down the KNDP - the control number of the money transfer - and tell it to the recipient, because... it will be required when receiving funds.

Another way to send money abroad is to use the official website to send money. The same information and operations will be required there, the only difference being that you will perform them from home or any convenient location through a web browser. However, not all countries allow online transfers; in this case, you will have to come to the office in person.

What percentage does Western Union charge for money transfers?

The minimum commission for sending via Western Union is 1%. In addition, there may be a hidden commission in transfers - the system charges money for the service, converting the transfer currency at the internal rate.

Otherwise, the percentage of money withdrawn abroad varies depending on the country and the operating conditions of Western Union on its territory. For example, some countries do not allow transfers through this system to a bank account at all. So, in Ukraine it is impossible to list cash to a Sberbank card, because . The bank has suspended services in the country.

For each specific state, you should clarify the terms of the transfer on the official website of the system. In addition, the required list of conditions will be automatically shown to the sender when making a payment on the website or at the company’s office.

How much money can be transferred through Western Union

Residents of Russia can send money via Western Union to another country to a bank account at a payment system branch with a limit of 5,000 USD per transaction. If the dispatch is carried out foreign citizen, maximum amount money transfer increases to 7,499 USD. Before sending money, you need to familiarize yourself with the list of available countries, because... Not every country accepts banks available translations. Among the countries available for transfer to a bank account are: this moment there are Türkiye, Finland, Poland, Italy, USA and other popular tourist destinations.

For online transfers to the branches of the payment company itself, where is available more countries. Among them are our border states - Ukraine (except for transfers to a Sberbank card), Belarus, Kazakhstan. You can transfer up to 100,000 rubles in one transaction, and up to 600,000 rubles per month. At the same time, 5 transactions per week and 7 per month are available to the sender.

How to receive money through Western Union transfer

In order to receive money through the Western Union system, you need to come to the company's branch, taking with you your identification card and knowing the KNDP that the sender told you. You can find out the location of WU offices on the company's official website.

Then you need to present your identification card to the company employee, the data of which will match the data specified when sending the payment. Fill out the form with your details and payment code. After this, the employee will give you the required amount.

Important! If the funds arrive in your bank account, no special actions are required from the recipient. Money will be credited within guaranteed period, and then you can usually receive them in the manner provided by the recipient's bank.

How to transfer money from Germany to Russia via Western Union

Transfers from Western Union are one of the most reliable and proven ways to send money from Germany to Russia. The company has many remittance collection points, and in Berlin alone you can find more than 400 such points. Their location can be easily found through online maps or in the corresponding section on the payment system website. In order to transfer money from a payment acceptance point, just contact an employee and provide the necessary payment information and payment details.

To transfer funds yourself and without leaving your home, you can use online banking. To do this you need to go to home page Western Union website and select the appropriate country of departure and destination – Deutschland and Russland – in the appropriate fields. Next to it, in the field with the amount value, you should indicate the amount of the transfer in euros.

After selecting the values, the tab for selecting the type of receipt in Russia will open. It will need to indicate where the money will be transferred - to a bank account or to a Western Union branch for cash withdrawal.

Then the debit account is selected - from a bank card, bank accounts or by depositing cash in person at the nearest branch. The most profitable solution would be to choose to write off money from VISA cards or MasterCard, and sending money to a bank account. In this case, the system does not formally withhold a commission, but the deduction to the bank occurs through currency conversion at the internal rate of the system. The period for such a transfer will be 1–2 days.

Another way to send a money transfer from Germany to Russia is to send money from a card to a Western Union pick-up point. Such shipments are credited almost instantly, but for speed you will have to pay a commission of 2.99%.

Transferring and receiving money to other countries is not always convenient. In such a situation, money transfer systems, of which there are quite a few, come to the rescue. Today's article is about Western Union, one of the most famous and reliable such systems. How does it work, what are its benefits, and how can I generally 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 customer loyalty 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 made at high speed - within 10-15 minutes the money can be collected at the destination.

You can send money either in person at the transfer system office or via the Internet or special terminals. But you can only receive it in person at the physical branch. This is necessary for the security 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:

Advantages

Flaws

Ease of use - you can send money in any way, and to receive it there are enough points where money is issued. Prevalence. The money transfer system operates almost all over the world. So it won’t be difficult to send finances to relatives in a distant country. Sending speed. You can receive money within a few minutes after the sender has deposited it. Security. It is simply impossible to receive other people’s money, either during the transfer process (protected by special ultra-reliable algorithms) or upon receipt (a passport and code are required). Low commission to neighboring countries. Western Union requires an average of 1% of the transfer amount as payment for its services.

High commission for transfers to foreign currency or to foreign countries. The cost of a transfer can reach up to 10% or more, especially if you send small amounts. Not all cities and especially 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 best favorable rate conversion. Western Union has its own exchange rate for each currency, so you should first calculate the expected amount on the website using a special calculator.

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

Competitors in Russia

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

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

All of them are considered national operators financial services. As a rule, they work only in the near abroad, while Western Union allows you to send money anywhere. In addition, the 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. Money transfers are available in more than 200 countries around the world. In this case, you need to pay in rubles - Western Union will independently recalculate the money at the exchange rate and allow you to choose the currency of receipt.
3. Owner verification. The chance that money will fall into third hands is minimal. Because to receive a transfer you will need not only a passport, but also a special identification code that only the sender has.
4. Prevalence. There are Western Union branches in almost every more or less large locality countries. In addition, she has a lot of partners, so it’s easy to get money anywhere in the world.

And these are not all the advantages over competitors, which 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 cause problems.

send money

There are several ways in which 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 charged to the sender, so you should familiarize yourself with the rates in advance.

Personally

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

• Inform the operator who and where exactly you need to send the money (full name and destination city), and also 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.
• Inform the recipient of the control code.

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

Online

If you don’t want to leave your home, or there are no Western Union offices in nearby areas, then it’s best to use an online transfer. This will significantly save time. Fortunately, the system works with everyone bank cards, including WORLD.

There are three ways to send over the network:

1. On the Western Union website. The simplest and most convenient. Just go to the official website of the system and register on it. Then click on the “Submit Transfer” button and fill in the required data.
2. Through Internet banking of Pochta Bank, Avangard and Uralsib. Allows you to use Western Union without leaving your Personal Account on your bank’s website. 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 electronic wallet Yandex money. To do this, just log in to your 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 information.

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

Get money

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

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

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

1. Come to the branch of your choice with your passport and code.
2. Show your passport to the operator, tell the code and amount of the transfer.
3. Get money.

That's all. The procedure itself takes a little time - without queuing, you can get money in 5-10 minutes, depending on the speed of the operator. There will be no obstacles or problems.

Commission for transfers

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

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

Where can I receive a Western Union transfer in Russia?

Western Union in Russia has a wide network of partners who allow you to receive and send money. In fact, in large cities, you can find anywhere from one to ten “offices” within one area. We provide a list of the largest Western Union partners:

• Megaphone;
• OTP Bank;
• Bank Uralsib;
• Russian Post (including Post Bank);
• Plus Bank;
• Expert Bank;
• Promsvyazbank;
• Primoscbank;
• Rosselkhozbank;
• Eastern Express Bank;
• Zenith Bank;
• Binbank;
• Acceptance 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 very convenient map, where you can easily find the nearest service branch.

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 control number of the money transfer (KNTP).

If you don't know the KNDP, there are two other ways to find out the current state:

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

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