To send a monetary translation you need:

• Come to the nearest customer service item Western Union.
• Tell the Recipient's FIO Operacy and the Translation destination.
• Passport or other replacing identity document (residence permit in the Russian Federation, certificate of a serviceman, military ID or a document issued in return for a lost passport).
• Make a translated amount and pay for the service for the current tariff at the bank's office.
• Get a copy of the form from the operator where the control number of your translation is specified, which you want to inform the recipient (without it the recipient will not be able to receive translation).
• Notify the recipient about the translation.

To obtain a monetary translation, it is necessary:

• Know the control number, the sum of the translation, the full name of the sender, the country of departure, the answer to the control question (if the sender included the control question in the translation form).
• Come to the nearest customer service item.
• Put the operator a document certifying personality (passport, residence permit in the Russian Federation, certificate of a serviceman, a military ID or a document issued in return for a lost passport.

Restrictions on sending funds:

• You can not send from Russia no more 5 000 USD. (Equivalent in rubles). For foreign citizens, this restriction is more - 7500 USD.
• Maximum total transboundary cash transfers sent by one sender to one country: 600,000 RUB per month (equivalent to USD / EUR). Maximum transfer amount to countries: Kazakhstan, Kyrgyzstan, China and Vietnam - 100,000 RUB per month (equivalent to USD / EUR).
• In Russia, you can send only rubles. You can get a translation abroad either in US dollars or in the currency of the country's country.

Sending and receipt of money:

• In the bank office.
• Through an ATM. We need only a plastic card.
• Through the Internet. In the presence of remote access to your bank account.
• Through the post office upon presentation of a passport.
• Through the self-service terminal QIWI payment system. Without a passport and bank card. Maximum transfer amount 15 000 RUB.

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

Translate and receive money to other countries is not always convenient. In such a situation, monetary transfers coming to the rescue, which are quite a lot. Today's article - O Western Union, one of the most famous and reliable such systems. How does it work, what is profitable and how to transfer money through it? Let's deal with.

Western Union is a remittance system from America. It has existed since 1851 and honestly occupies a leading place among all monetary transfers to the world. During this time, the company managed to earn enough loyalty from customers and fame, although he changed the direction of activity several times.

Description

Western Union money transfers allow you to deliver money to any settlement of any country. The only condition - in this paragraph there must be a physical separation of the system. The translation is made at high speed - after 10-15 minutes, money can be taken at the destination.

You can change finance as personally in the office of the translation system and via the Internet or special terminals. But get - only personally in the physical office. This is necessary for the safety of obtaining - the operator is obliged to see the recipient's passport and ask him the identification code.

Pros and cons system

Western Union has certain advantages and disadvantages:

Dignity

disadvantages

Ease of use - you can send money by any way, and to get enough items that give money. Prevalence. The money transfers system works almost all over the world. So it will not be difficult to send finances to relatives in a distant country. Sending speed. You can get money within a few minutes after the sender introduced them. Protection. Just to get other people's money impossible in either the process of crossing (protected by special ultra-reliable algorithms), nor upon receipt (a passport and code is 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 Far Abroad. The cost of translation can reach up to 10% or more, especially if you send small amounts. Not in all cities and even more villas there are Western Union. It is impossible to get money remotely (on the other hand, it is a plus - no one steals them). Not the most profitable course of conversion. Western Union has its own course for each currency, so it is worth pre-calculating the estimated amount on the site using a special calculator.

In general, Western Union is a good and convenient system of international translations, albeit with certain disadvantages.

Competitors in Russia

There are several companies engaged in international monetary translations. Western Union is the largest of them, but not everyone prefer to use its services. Similar monetary transfers:

• Unistream;
• ANELIK;
• Contact;
• "Gold Crown".

All of them are considered national financial services operators. As a rule, they work only in neighboring abroad, while Western Union allows you to send money anywhere. In addition, the international system has certain advantages:

1. Reliability. There is neither a single case of loss or non-deputies of money. More than 150 years of experience speak for themselves.
2. Convenience. Money transfers are available in more than 200 countries of the world. At the same time you need to pay in rubles - Western Union independently recalculates money at the rate and allow you to choose the currency of obtaining.
3. Check holder. The chance that money will fall in third hands is minimal. Because there will be not only a passport to get the translation, but also a special identification code that only has the sender.
4. Prevalence. The Western Union branches are almost every more or less large settlement of the country. In addition, she is full of partners, so get money is easy at any point of light.

And this is not all advantages over competitors who can not always provide domestic money transfers.

How to use western union

Like any money transfer system, Western Union strives to be comfortable for its customers. Therefore, there are several ways to use it. It should be understood how to properly translate money through this system so that it does not provide problems.

send money

There are several ways to send money to the recipient to the physical office. And for this it is not necessary to look for the organization's office. It is convenient, especially if you need to go to another city. So, how can you send money through Western Union?

Important! The commission is held with the sender, so it is necessary to familiarize yourself in advance with the tariffs.

Personally

It will take to look at the nearest office of the system or partners to the nearest office - for example, "Russian Post", Bank "Revival", MegaFon Salons, and so on, are connected to the Western Union system. It is necessary to take a passport and money taking into account the Commission. After that, do the following:

• Inform the operationalist to whom and where exactly you need to send money (name and city of destination), as well as choose currency, if necessary.
• Show your own passport.
• Transfer money taking into account the Commission.
• Pick up a copy of the blank with the control code.
• Tell the recipient control code.

The sender's mission is completed. I don't need anything else.

Online

If there is no desire to get out of the house, or there are no Western Union offices on the nearby territories, it is best to use the online translation. It will noticeably save time. Fortunately, the system works with all bank cards, including the world.

Three ways of sending over the network are available:

1. On the website Western Union. The simplest and convenient. Enough to go to the official website of the system and register on it. After that click on the "Send Transfer" button and fill out the necessary data.
2. Via Internet banking post-bank, Avangard and Uralsiba. Allows you to use Western Union, without leaving your personal account on the site of your bank. Depending on the institution, the search method may vary, but the essence is one to enter the bank's personal account, after which it is from services to find Western Union, and then enter the necessary information.
3. In the e-wallet Yandex.Money. To do this, it is enough to log in in the wallet, to find the corresponding section in the list of services and in the same way as in previous methods, fill out the data on the recipient.

In all cases, the monetary translation service will be transferred to the sender. And he already has to deliver him to the recipient so that he could pick up money.

Get money

You can get the translation of Western Union in any separation of the city - you do not have to choose a specific destination.

To get the exact amount of translation, passport and monetary control number (MTCN or DRPP), which has a sender.

Let the recipient himself decide where to take money. To do this, he is enough:

1. To come to the selected separation with your passport and code.
2. Put the passport of the operationalist, name the code and the size of the translation.
3. Get money.

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

Commission for translations

Naturally, the services of the money transfers are not free. You will have to pay a certain commission for each transaction. When translating via Western Union, the following tariffs apply.

At the same time, during translations in Russia, to Ukraine, Uzbekistan, additional contributions are operating in the long and neighboring foreign countries. When using this direction, the higher the amount is the more the Commission. The threshold amount of the increase is 60 thousand rubles (for every additional 15,000 will have to pay extra 500 rubles). In dollars, this is $ 2400, and for each subsequent $ 600 will have to give $ 20. All other countries - within the framework of the specified commissions.

Where can I get a translation by Western Union in Russia

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

• Megaphone;
• OTD Bank;
• Bank URALSIB;
• Russian Post (including the bank);
• Plus Bank;
• Expert Bank;
• Promsvyazbank;
• Pros Mosmzbank;
• Rosselkhozbank;
• Eastern express bank;
• Zenit Bank;
• BINBANK;
• Acceptance bank;
• Ural Bank for Reconstruction and Development;
• Investtorgbank;
• Bank Ak Bars.

Naturally, this list is constantly updated and varies. Therefore, it is best to get acquainted with the current list on Western Union. In addition, they have a very convenient card at which you can easily find the nearest branch of the service.

How to Travel Translation through Western Union

Learn the current status of finance is the easiest way to Western Union. To do this, it will not be necessary to even register - you only need to click on the "Translation Status" button and enter the monetary transaction control number (DRIP).

If you do not know the DRP, that is, there are two other ways to find out the current state:

1. Enter on the site in a special form of the sender's phone number, the country of receipt, accurate amount in the appropriate currency and the approximate date of translation.
2. Enter the sender and recipient names, and then also choose the translation country, specify the exact amount and approximate translation date.

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

"Western Union" - service of remittances in Russia and abroad.

For individuals:

Transfers "Western Union" can be sent and get in many, in some banks, hotels, airports, currency exchange points. Money transfers in post office departments are carried out in Russian rubles and sent only abroad.

The money transfer "Western Union" is issued only upon presentation of an identity card. After placing the translation, the Russian Post officer will issue a monetary transfer control number, which must be reported to the recipient.

The cost of the service is from 150 rubles.

With the help of free SMS notifications, you can follow the status of translation.

Translation can be obtained in cash in any currency from the currency list with which the payment item works, on the internal rate of the Western Union system on the day of the transfer. The sender has the ability to fix the course at the time of reception. The translation is stored for 90 days, then returns to the sender.

For legal entities:

In Russian Post Office, Western Union translations are opened to legal entities.

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

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The International Money Transfer System firmly occupies one of the leading provisions, providing the opportunity to millions of citizens to list funds anywhere in the world. Western Union allows you to send finances over 150 years, being the oldest similar organization. Each transmission operation implies a certain spending for the sender. The Translation Commission for Western Union depends on a number of factors: the values \u200b\u200bof sending, countries, currencies.

Tariffication

Western Union suggests a commission. The addressee upon receipt of the financial transfer is no longer required to pay anything. The Commission will be higher with a greater distance from the place of transfer - send money to a resident of far abroad is much more expensive than in the neighboring states. When sending large sums, the deduction will be less in the percentage ratio.

In rubles

These transactions are made instantly - to get the sent funds after ten-fifteen minutes. According to Russian legislation, the transfer of money within the state is made only in the national monetary unit.

Enumeration of Western Union across the Russian Federation have the following tariffing:

• 100 rubles of the Commission spiked when transferring from 100 to 10,000;
• 1% of the amount of shipment to make a value over 10,000, but less than 100,000;
• 1 000 rubles of the Commission - more than 100,000.

Tariffs when sending to Azerbaijan or Kazakhstan imply a write-off 80 rubles. For sums 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 to 60,000.

In american dollars

Western Union money transfers in this currency can be translated into all foreign countries. The magnitude of the Commission will also increase with the range of sending funds. The lowest rates when transferring to Kazakhstan and Azerbaijan, sending 3-250 dollars to pay 2, the collection of more than this amount will be 0.8%.

To transfer money to the Ministry of Far Abroad, it is necessary to take into account the minimum value of the commission - 10 dollars. Send more than 2,000 US currency will cost $ 101. The financial transaction in dollars is recommended to double-check the price of the service.

Sending online

Citizens can forward finances through the Western Union monetary transmission system using the official website of the organization. Translation tariffs are shown on the main page. Wishing to send money to 100-10,000 to the CIS countries will have to pay 100 rubles, 1% spikes when transferring amounts over. The addressee will receive funds in foreign currency. If the recipient takes the rubles, then 100 rubles. We are charged at a transaction from 100 to 5,000, 2% - more than this value.

If we transfer to far abroad, the minimum commission will be 100 rubles per sum of up to 10,000, over this value is 1%. The remote method can list money through the Western Union website by all bank cards, including the domestic world.

Other tariffs

The amount of the commission in addition to the range of translated funds is established by specific points of sending Western Union: offices of banking structures, Russian Post, MegaFon cellular salons.

Bank branches

You can send cash via Western Union in some offices of banks collaborating with the international system. Transfer funds in Russia will require the following commission:

• one hundred rubles - up to ten thousand;
• from ten to one hundred thousand include one percentage of collection;
• one thousand rubles will be charged under the amounts of overnight thousand.

If you send finances to the CIS countries and the near abroad, the magnitude of the commission begins with one hundred rubles or three dollars. The rate at the maximum departure is one percent. For non-foreign countries, the board begins with ten dollars or two hundred and fifty rubles.

The cost of translation of Western Union is more than 60,000 Russian currency at subsequent intervals 15,000 will be an additional 500 rubles of the Commission. By sending over 2,400 American dollars, for the next 600 it will be necessary to pay extra 20.

Post office

The Western Union translation fee in distant countries begins with 250 rubles for sums of up to 2,500. Send 60,000 - 70,000 will cost about 3,000. The following 15,000 above the limit will require an additional 500 rubles. Sending to the state of the near abroad will be from 150 Russian currency up to 2%.

Western Union services inside Russia through post offices are not available. Listed cash in most CIS countries will also fail. The list of these states includes: Ukraine, Turkmenistan, Georgia, Kazakhstan, Azerbaijan, Belarus, Lithuania, Estonia, Kyrgyzstan, Tajikistan, Moldova, Latvia, Uzbekistan.

MegaFon communication salons

Commission for sending Western Union to long-term states is similar to sending through Russian Post. List the amounts of more than 75,000 in Macau, Vietnam, Hong Kong, Taiwan, Mongolia will require a collection of one thousand domestic monetary units. The transfer fee for a bank account in Russian currency will be 100 for the amounts of up to 10,000. Send 10,000 - 200,000 will cost 1%.

How to calculate the transfer fee?

Western Union money transfer system has only recently launched a service for sending financial resources to legal entities. The main focus of the service is the departure of money to individuals. To calculate the cost, you should familiarize yourself with relevant rates on the Western Union website. Menu of the main page offers commission calculation. When you click on this option, the window will open in which you need to enter the destination, the transaction value, the method of obtaining and paying.

Tariffing of transfers to individuals

Western Union offers to transfer money one of two tariffs: "Express translation" and "12 hours". According to the tariff of the first type, when the minimum payment transaction, the Commission is three dollars or a hundred rubles depending on the financial unit of departure. Send maximum permissible values \u200b\u200bworth 1.2%.

The second type of Tarif Western Union will be available to receive twelve hours after departure according to the name. You can maximize three thousand dollars or one hundred thousand in Russian currency. Translate money from Russia to Turkmenistan according to this billing is impossible. The fee for the minimum amount of shipment is two dollars or fifty rubles.

Tariffs for foreign translations

To send money abroad Western Union, you should familiarize yourself with the Commission, which will write up according to the remoteness of the destination.

To China

The PRC refers to countries of far abroad and stands in one line with Mongolia, Macau, Vietnam, Taiwan and Hong Kong. Translation into China Western Union is made, starting with three dollars. The commission for the maximum amount of departure is one thousand in Russian currency or forty-one dollar.

Transfer to Turkey, UAE

The commission for the minimum transaction through Western Union in both countries begins with 10 American monetary units. When sending the maximum permissible values \u200b\u200bthrough Western Union, the sender will pay one percent, translating to Turkey, twice as many - the United Arab Emirates.

From the Russian Federation to Ukraine