All modern people highly value mobility and efficiency. That is why, if you need to transfer money to another person, and do it as soon as possible, most do not think about which program to choose. People choose Western Union money transfer.
This is a system of instantaneous money transfers operating in almost all countries of the world. This is very convenient, because in this way you can quickly transfer money abroad through Western Union, knowing that the recipient will receive the money in just a couple of minutes.
How money is transferred via 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. IN financial institution You will be given an application to fill out. The procedure will not take much time. Here you need to specify the full information about the recipient: full name, address, amount to be transferred, as well as the required currency.
When the transfer of money through 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, having a personal passport with him. 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 are indicated, and the control code is also required. It consists of 10 characters and is issued to the sender after sending funds. And in order for the second party to receive a money transfer through Western Union, she will definitely need to provide this code.
Tariffs for the provision of services
Of course, the cost of translation plays an important role. And if you need to save money, it is better to use the usual 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.
The Western Union money transfer fee 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 neighboring countries - a commission of 150 rubles. when transferring amounts up to 7500 rubles. Anything above is transferred with a commission of 2% of the amount;
- to countries far abroad- here the commission for transferring Western Union money will depend directly on the country of the recipient and the amount transferred, it can vary between 250-3000 rubles.
In any case, money transfers abroad with Western Union remain very popular, because they are 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 is worth noting that in cases where the transfer is carried out in favor of a legal entity, the tariffs for transferring money through Western Union increase. An amount up to 90,000 rubles can be transferred to the recipient by paying a commission equal to 450 rubles. All amounts in excess of 90,000 involve paying a commission of 750 rubles. If the transfer is made in dollars, then the commission for the provision of services will be 15 dollars - for transferring amounts up to 3,000 dollars and 25 dollars for transferring amounts from 3,000 to 5,000 c.u.
Western Union offers such conditions for transferring money to its customers. And these figures are well founded.
Information on how to receive a Western Union transfer is relevant today, because international money transfers are becoming increasingly popular thanks to high speed sending money, the absence of difficulties in receiving, as well as the fact that the responsibility for paying the commission lies with the sender, and the recipient receives only the benefit.
Union
Western Union is a system that allows you to make transfers Money Worldwide. Users have been using the services of this service for one hundred and forty years. The system includes a huge network of service branches: about five hundred thousand in more than two hundred countries of the world.
There are approximately twenty thousand Western Union service points in Russia, thanks to which users can transfer money both within their state and abroad.
Transfers, as a rule, are paid in the currency of the state to which the money is received, however, in the Russian Federation, Ukraine, Belarus, Kazakhstan and other CIS countries, the transaction is also made in US dollars, and in euro. To find out where to receive a Western Union transfer, you should find the information about the nearest service point on the system portal.
Sending money using Western Union has several important nuances:
- the speed of the operation. The transaction takes place within a few minutes. You can receive money sent from the USA to Moscow in five minutes. You only need to remember the difference in time zones and the schedule of service points;
- reliability of operations. All transfers are protected by a special security system, i.e. special individual number with which they will be stored and transmitted. The service gives a 100% guarantee of transferring money to the person indicated in the application;
- comfort. You do not need to create a bank account to make a transaction. The application is submitted at any of the service points every day. In some states, such points can only issue money, and in this situation, sending funds is possible only in a banking organization.
If we touch on the shortcomings of the system, only the price of the services provided stands out here. Some excess of tariffs was noted, in comparison with how much the operation of other systems costs. However, this price is justified, because Western Union is eternal for its high quality service and high speed performing operations.
IN Russian Federation this system electronic payments began to function only in 1991. First, a subsidiary company was opened, the main office and information service of which were located in Moscow. Today in Russia there are more than twenty thousand service points. Many of them work non-stop.
If we talk about money transfers through a banking institution, the question arises, in which banks is it possible to transfer money through Western Union? In the Russian Federation, Absolut Bank, Vyatka Bank, Omsk Bank, etc. constantly work with this service. A corresponding agreement was signed between Sberbank and the Western Union system in 2011, but the provision of services has not yet been started.
Instructions for receiving a transfer
Where can I get Western Union? The most common way to receive a Western Union money transfer is to visit a bank branch that cooperates with the system.
The process of how you can get Western Union money is very simple. Bank employees provide money to the recipient, based on the application issued by the sender. In addition, bank employees are required to promptly inform the sending party of the address at which the required branch is located, where the transfer can be received, as well as information on how long the money transfer is stored.
In order for the recipient to be able to give out his money, he must tell the employees of the banking organization the amount and transaction number, and also show his passport.
Employees of the institution cannot issue money without specifying the following information:
- agreement number;
- the amount of money prescribed in this agreement;
- Name of the sending party;
- recipient's phone number.
If the recipient provides correct information, he will receive a copy of the agreement from the bank employees in order to sign it. As soon as the formal procedure is completed, the money will go to the recipient.
Terminals
Banks cooperating with the Western Union service have a wide network of terminals that make it possible to receive the required amount very quickly.
To do this, follow these steps:
- in the main menu of the terminal, select the "Receive transfer" item and specify the desired service. After that, the receipt is confirmed;
- register using a card or a message received from the bank;
- choose the card to which the money will come;
- indicate the transaction number received by the sender, as well as its currency.
Western Union users can come to the post office to collect their money. The procedure carried out here is similar to receiving money through a bank branch: the recipient must show the passport (foreign passport), transfer number and amount to the post office employee.
Important! The main nuance that arises when using this method is that the sender can use the delivery of money. In accordance with its terms, postal workers will deliver the transfer to the address of the recipient.
Having studied the procedure for receiving a Western Union transfer, you should understand the basic conditions for the transaction:
- a resident can send money abroad in the amount of up to five thousand dollars. Once a day, you can carry out the operation without providing any documents;
- a non-resident user can transfer amounts up to three thousand dollars.
Translation check
To find out about the receipt of a transfer with a specific number, you can go to the official portal of the Western Union service. Verification requires specifying information about the transfer in the form that appears, as well as waiting for the processing of the incoming request. Next, the user will receive the status of a money transfer.
The price of the service directly depends on the state from which the transfer is made, and the country to which it goes. For a transfer in the amount of up to 145 thousand rubles, carried out within the Russian Federation, the system will charge a commission of 4-10%. For each further increase in the amount, two hundred and forty rubles shall be paid additionally.
In order to transfer money in the amount of more than three thousand dollars at the Twelve Hours tariff, it is necessary to present documentation.
Between the CIS countries there is a departure from one hundred to three and a half thousand dollars. For the implementation of such an operation, the service takes a commission of 3-6%. These tariffs can only be used by neighboring countries (China, Türkiye). When making a ruble transfer, the need to pay a commission fee for the conversion of funds at the system rate will remain.
Online system
Western Union partners with leading Russian banking organizations. Each of them is able to offer the client the use of Internet banking, where the user can carry out any transaction with funds.
In order for the client of the service to be able to use Internet banking online, he needs to register, after which, by going to Personal Area, he will be able to track the status of the transfer.
You just need to select the required option, as well as indicate the number of the transfer and the sender's data. The transfer number is usually indicated on the form provided by the banking institution during the execution of the money transfer.
So, the Western Union system, which allows you to make payments on international level, is the most convenient service for sending money. Its users receive excellent service, a wide geography of transfers and meager terms for the delivery of funds.
No money transfer system in the world can boast such a long history of existence. Initially, the company's activities were related to telegraph services. The very first transfers of funds began to be carried out more than 150 years ago, and since then Western Union has become the most popular organization with its representative offices all over the planet.
In order to send money, it is enough for the partner's employee to indicate the country, last name and first name of the recipient in Latin characters. The amount and commission for the Western Union transfer are transferred to the cashier. After that, the sender receives a document containing a control number, it always consists of ten digits.
As soon as the system assigns a unique number, the funds are ready for collection. The recipient needs to contact a point convenient for him with documents that will confirm his identity. Need to know the exact amount who is the sender and the control code. Receiving is not charged, because the interest for the Western Union transfer is paid once, at the time of sending. An important condition for using the service is confirmation of the non-commercial purpose of the translation.
Cancellation, return and adjustment of the operation
It is not uncommon for a transfer to return or correct any data. It is worth figuring out when the cancellation occurs, and when the return occurs and whether the sender bears any losses in this or that case. If the sender returned to the sending office on the day of the operation, then he will not incur any losses: the company will return both the amount and the cost of the Western Union transfer. Such an operation is considered a cancellation. If the next day or even later, the commission will be lost. In such a situation, the operation is considered a return.
Sometimes the recipient is refused to pay money for the reason that the last name and first name entered in the system do not match the passport data. In this case, an adjustment is required. The sender needs to return to the same office and provide correct data. This type of operation does not incur losses.
Amount limits
The maximum limits on the amounts that can be sent or received using Western Union are set legislative framework states participating in operations, as well as the limits of the system itself. For example, the system, together with the law of Russia, limits sending by residents to 5,000 US dollars per day. As for the currency, the payment is made either in the national currency or in US dollars.
You can send both US dollars and rubles. But it is worth knowing that the amount equal to the equivalent of the local currency will be paid, and the conversion will take place at the rate of the Western Union system or the agent company.
Tariffs of the Western Union system
Citizens wishing to send funds are interested in the rates of Western Union money transfers. regularity tariff scale is as follows: the further geographically the state of the recipient, the higher the cost of the service, the higher the amount, the lower the commission. Conventionally, all partner countries are divided into four categories, taking into account domestic transactions, transfers of funds to CIS countries, near and far abroad.
In rubles
Unlike traditional mail forwarding, the system has an undeniable advantage - the operation is instantaneous. But, legally within Russia it is permissible to send only national currency- rubles. For today, the following tariffs for the transfer of Western Union in rubles remain effective, in Russia:
| (rub) | Commission (rub,%) |
| 100-10000 | 100 |
| 10000-100000 | 1% |
| Exceeding 100000 | 1000 |
To Kazakhstan and Azerbaijan:
| (rub) | Commission (rub,%) |
| 100 -10000 | 80 |
| Exceeding 10000 | 0,8% |
| (rub) | Commission (rub,%) |
| 100-2500 | 250 |
| 2500-5000 | 500 |
| 5000-10000 | 750 |
| 10000-15000 | 1000 |
| 15000-20000 | 1250 |
| 20000-25000 | 1500 |
| 25000-30000 | 1778 |
| 30000-40000 | 2028 |
| 40000-50000 | 2278 |
| 50000-60000 | 2528 |
Given the active trade relations, often senders are interested in the Western Union commission for transfers to China. The same rates apply for shipping to Hong Kong, Taiwan and Mongolia:
To Turkmenistan and Belarus:
| (rub) | Commission (rub,%) |
| 100-5000 | 100 |
| 5000-50000 | 2% |
| 50000-100000 | 1,5% |
| Exceeding 100000 | 1% |
From Russia to Ukraine:
To non-CIS countries:
| (Doll) | Commission (USD,%) |
| 3-100 | 10 |
| 100-200 | 20 |
| 200-400 | 30 |
| 400-600 | 40 |
| 600-800 | 50 |
| 800-1000 | 60 |
| 1000-1200 | 71 |
| 1200-1600 | 81 |
| 1600-2000 | 91 |
| 2000-2400 | 101 |
To Vietnam, Taiwan, China, Mongolia:
To the Czech Republic and the Baltic countries:
To Georgia, Tajikistan, Moldova and Kyrgyzstan:
To Belarus:
To Uzbekistan:
To Ukraine:
Before sending, it is worth checking what percentage Western Union takes for a transfer today, because the rates change periodically.
Transfers to legal entities
A few years ago, the company began to carry out operations to send money abroad to legal entities. The popularity of this service is growing every year. Such operations are performed:
- to pay for student tuition educational institutions Worldwide;
- to pay for purchases in online stores of any country;
- payment for travel vouchers;
- payment for all kinds of services provided by foreign organizations.
After the transfer enters the system, the recipient organization will be notified via an electronic confirmation. And the very next business day, the money is credited to the company's account. For successful sending, it is necessary to provide the employee of the point of the system with information about the company and details.
Transfer to foreign legal entities persons is made in US dollars. And enrollment occurs in the currency that is provided for each specific organization. If the client deposits an amount in rubles when sending, it will be automatically converted into dollars. Border tariffs for legal entities in dollars depend on the amount:
In rubles:
| Amount (rub) | Commission (rub,%) |
| 1-90000 | 450 |
| 90000-150000 | 750 |
Restrictions on sending amounts are similar to operations performed in favor of individuals. persons. According to the laws of the Russian Federation, a client can send a sum of no more than 5,000 dollars in one day.
Advantages
In addition to loyal rates, Western translations Union have many advantages compared to similar systems:
- The largest network of representative offices worldwide, which successfully operates in more than 200 countries, where more than half a million points are open. On the territory of the countries post-Soviet space, more than thirty-five thousand such points are open.
- For operations no account opening required Well, that goes for both sides.
- Speed, simplified design, reliability and convenience. The transfer can be received immediately, regardless of the distance at which the recipient is located. According to the official data of the company, for the entire period of its existence, not a single transfer was lost and did not reach the recipient.
- Possibility to send a written message and a notice along with the money.
- Safety. World-class security ensures that only the person specified by the sender can receive the money.
- Such a transfer is not considered an address, which means that you can get it in any city in the country of the recipient. For comparison: there are some address transfer systems, using which it will be possible to receive only at the address of the point indicated by the sender.
These characteristics make the system even more competitive and preferred by consumers.
WU additional services
In addition to quick dispatch, the sender can take advantage of the opportunity to order one of the provided additional services. For example, a security question, another additional security measure. To use it, it is enough to indicate a security question in the form and send the answer to the recipient of the transfer. The transfer will be issued only when the recipient names the correct answer.
Also, for a separate fee, you can order a notification of the recipient by phone. Sometimes it is convenient for the sender to have the transfer paid out by check, this is also possible using the system, but this service does not work for all countries.
The most popular is the service of sending a text message. Most often, it is used to congratulate the recipient with words along with a material gift. However, the message is limited in quantity, it cannot be more than 20 words.
Western Union Gold Card
To maintain its competitiveness, the system does not stand still, constantly improving and introducing new additional products. One such development was the Western Union Gold Card, a plastic card issued to regular senders. On the territory of Russia, such plastic began to be issued in 2008. The geography of the new service is constantly growing, now they are successfully issued in more than 65 countries around the world.
The Gold Card gives regular sender customers certain benefits. For each sent transfer, incentive bonuses are received on it. Due to them, the sender gets the opportunity to reduce the tariff for the subsequent operation. Such a card significantly reduces the time for registration: with the help of the system database data, the client is identified faster.
The only condition for obtaining such plastic is the frequency of operations performed at least once a year.
Modern ways to send and pay
If earlier it was necessary to contact one of the points of the partners of the system in order to complete the operation, then modern technologies allow you to choose the most convenient way, individually for each client. Now you can send money yourself or credit it even while sitting at home. To do this, card accounts must be opened in any bank. Having access to his online account, the sender himself fills out the proposed form, indicating all the necessary data of the recipient. The transfer amount together with the commission will be deducted from specified card, and the system will generate a control number, and it must be transferred to the recipient. In the same way, the recipient does not need to personally contact the bank. You just need to fill out the form in your online account, indicating the control code and the account for enrollment.
No less convenient are operations carried out using ATMs. Using a simple menu, you can send, having a plastic card with a sufficient amount in the account. This alternative option is convenient on weekends when the points are closed.
Not having plastic card you can send through TCO (self-service terminals). The disadvantage of such an operation is the limitation on the amount of the transfer, which cannot exceed 15,000 rubles.
If you need to transfer cash rubles, you can use one of the post offices that are partners of Western Union. To complete a transaction, the client needs to have a document with him. Current tariffs, addresses, contacts and working hours of partner points can be found on the Western Union website. In addition, there you can check the status and status of the sent transfer, and take the opportunity to send money online.