Today, the service of transferring funds between countries is actual problem for many citizens. In connection with existing sanctions and possible bans, many are interested in how to transfer money from the USA to Russia in the most profitable way? We have selected some of the most reliable and proven methods

On this moment you can use only two methods: transfer money to a bank account or use the Western Union and MoneyGram payment systems. Some people prefer to transfer funds using PS Contact, but its points are quite difficult to find in America. This is due to the fact that the presented system is not designed for monetary transactions from the USA.

If you need to periodically send money to Russia, then it is better to use the first option – a bank account.

How to transfer money from the USA to Russia to a Sberbank card or account

First of all, you need to contact a bank branch where you need to submit an application for the operation. You can also use the Internet. the main problem The problem most people have is to name the correct details. So, before filling out the application, you need to make a commission payment:

• The bank from which funds will be sent. Basically, the commission is two percent, and you are allowed to send money to the USA at least $60.
• Correspondent bank. Sometimes it is possible to avoid the bookmaker's commission. And if not, then you will have to pay about $35, provided that the amount to send is no more than $3,000.
• Recipient. The commission will be 2%, required in order to cash out. More detailed information You need to check with a bank employee.

In the section where you need to indicate the purpose of the funds transfer, indicate “material assistance.” It is worth noting that in the USA there are banking institutions that do not charge a commission if the money is sent to education (college, institute, etc.). In this case, you will need to indicate the account number educational institution.

Such money transfers from America to Russia involve a total commission of $35. Although, in some situations it can be more than $100. The transfer will take up to 7 working days.

The second task is to correctly indicate the bank details of Sberbank and the one from which the money will be sent. The first one is quite easy to get; just go to any Sberbank office and request the required information. The most common mistake senders make is writing a bank card number in the “Accounts” section. This column requires you to indicate your bank account.

To find out the details of the sending bank, you can contact the receiving bank or ask the one who will send funds from America. In this case, you must provide the details of all bookmakers. Below is an example to fill out (the information on the right is not correct, it is given as an example only):

Intermediary (correspondent bank)	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary's Bank SWIFT	BKTRUS33
Beneficiary’s Bank Account (bookmaker account to which funds will be temporarily transferred)	04403077
Beneficiary Bank (recipient bank)	Sberbank of Russia
Beneficiary’s Bank Address (recipient bank address)
Beneficiary's Bank-SWIFT	Information from bank employees
Beneficiary (client's personal data)	Full name (in the form of transliteration, but more about it below)
Beneficiary's Account (client account)	It is the client’s personal bank account, and not his bank card number
Payment Details	Here you need to indicate either financial assistance or current expenses (Own/fundstransfer)

If, at the time of data verification, any letter in the full name is indicated incorrectly, the recipient will not be able to pick up remittance. Correctly writing information about the recipient is quite an important task. After all, it is very difficult to get the money back later, since it travels a long way:

• First, the money is sent from the American bank to the bank.
• They enter BC.
• Then they are transferred to the central office of Sberbank in Moscow.
• Then to the regional branch of Sberbank.
• And only then do they find themselves at their destination.

Revolut

Download the Revolut app from the Android or iOS app stores. After registering with it, you can issue a British bank card through which you can carry out transactions in dollars, pounds and euros. You can limit yourself to an Internet card for transfers to plastic ones and pay for purchases on the Internet, or you can order a plastic one - it will take about 15-20 days to reach Russia. You can use it to receive funds from the United States, withdraw cash from an ATM, or transfer to accounts in Russian banks.

Using Western Union, MoneyGram,RIA

This is the fastest and easiest, but most expensive way to transfer money to Russia from the USA. For example, if you are going to transfer $1000, then the commission can be up to 12.8%. However, there is one problem that concerns any money transfers between the represented countries. This is a transliteration.

The fees for this type of transfer are similar for both organizations and depend on the speed at which you want the recipient to receive the funds, as well as the amount. The approximate commission for a transfer of $500 and receipt by the recipient in a few minutes is about $50; if the transfer takes several days, the commission will be $25. On the company’s website and at transfer points, you can calculate the commission using a specialist or an online calculator. RIA is a less popular, but more profitable service in terms of commissions; for sending $500 you will need to pay approximately $8 commission.

Using a bank card

It is worth noting that electronic wallets, for example, WebMoney and Yandex.Money, do not cooperate with US banks. Some people use a different method. The sender must issue an American card and send it via mail to the recipient in Russia. He can then deposit funds to this card using banking institutions in America, and the recipient can easily withdraw money through any ATM. In this case, the commission will be minimal, that is, it is most profitable to use this method. Now you know how to transfer money from America to Russia.

With the development of modern technologies, the issue of the labor market has ceased to be tied to the country of residence. For certain reasons, Russian citizens are forced to go to work, for example, in or simply move to other countries for permanent residence. But parents, children, friends and just acquaintances remain at home. In this regard, the question often arises: how to transfer money from the USA to Russia and avoid unnecessary costs?

There are quite a lot of ways. Each of them has both advantages and disadvantages. Which to choose? It depends on how fluently you know how to handle modern technologies. When considering ways to transfer money from the USA to Russia, it is worth talking only about those options that are acceptable for individuals. Settlements between organizations most often occur differently.

"Live" bank card

This is a fairly simple option. It is quite suitable for both young people and elderly people who will find it difficult to understand the intricacies of Internet technologies.

So, how to transfer money to Russia from America? Very simple. It is enough to open a regular card account in one of them. It is important to inform the manager that cash Are you planning to film abroad? Otherwise, the bank may consider the plastic card lost and will block the account for security reasons.

Now you need to send it yourself with the opportunity or by mail plastic card the person who will use it. The user will only have to insert the card into an ATM in their country and withdraw cash. Of course, to do this you will have to tell him your PIN code.

This option of transferring money from has both advantages and disadvantages. One of the advantages is the fact that money is available always and everywhere. There is no need to remove everything at once; you can spend it gradually. It will be very easy for the cardholder to send money in the future. You just need to deposit the required amount into your account. In this case, the card holder does not bear any additional expenses. The person who withdraws the money will pay the commission.

There are also disadvantages. If at any point the ATM “eats” the card for any reason, the money will no longer be available. The owner of the plastic card will have to go to the bank, report the loss and send a new card. You will have to pay interest each time you withdraw cash. How much the transaction will result in will depend on the prices of the issuing bank itself. It could be 2% or all 10%.

PayPal

How to transfer money to Russia from America if you are computer friendly? It is not so difficult. All you need to do is open your PayPal wallet and top it up with the required amount. Now it is necessary to make an intra-system transfer to a user from Russia who also has a PayPal wallet.

This type of translation is quite complicated for Russia. User reviews indicate that funds can take a long time. In addition, in Russia there is no possibility of withdrawing money from this system to a physical medium. That is, you will not be able to cash out the amount received. Judging by the reviews, this type of transfer is suitable only for those who are used to using payments via the Internet.

But this translation also has a positive aspect. The recipient will not pay any fees. Money is collected only from the sender. The overpayment amount will be from 0.4 to 1.5%

From account to account via SWIFT transfer

If you don’t know how to transfer money to Russia from America, ask if the recipient has a current account with any bank. If yes, then you can send money directly to him.

Despite its apparent simplicity, this method has many disadvantages. First of all, this is a commission. According to reviews from those who have already used it, the fee for intermediary services can range from $35 to $170. If you are planning to list a small amount, this option is completely unacceptable. After all, the commission will “eat up” the lion’s share of the translation.

Transferring money from the USA to the Russian Federation is associated with another inconvenience. The person sending the funds will need to fill out the transfer form correctly. To do this you will have to specify:

1. Name of the bank (in Latin) providing intermediary services.
2. SWIFT address of the correspondent.
3. Account number in this bank.
4. The name of the bank (in Latin) that is the final recipient of the funds.
5. Address of the final bank.
6. SWIFT address of the final recipient.
7. Personal data of the individual recipient of funds (in Latin).
8. The number of the current account to which the recipient's card is linked (account number, not card number).
9. The purpose of the funds transfer (for example, “for current expenses”).

It is unlikely that anyone will really want to fool around with finding out all this data. After all, there are more simple ways how to transfer money to Russia from America. In addition, many counterparties have difficulty writing data correctly in Latin.

Translation is carried out using transliteration, and it may differ slightly in different sources. For this reason, even after going through the difficult journey of finding out all the payment details, it may turn out that the money is blocked and the recipient has no right to take it.

TransferWise

If you are looking for a way to send money from the USA to Russia, try using this service. According to reviews from those who have already experienced this method on themselves, there is nothing complicated about it.

To send money, you need to fill out the appropriate “windows”. By the way, if you have difficulties with English, you can easily set up a language change to Russian on the website. To receive money, simply enter your bank card details.

This method is interesting because during the transfer, currency conversion is automatically performed. That is, you need to send funds in dollars, but you can only receive them in rubles. The recipient will be credited with the entire amount, but the sender will additionally spend on a commission - from 4.01 to 5.81%.

Revolut app

But one more is enough new way how to transfer money from the USA to Russia. It is similar to the previous one and is also an Internet application. It is easy to find in PlayMarket or AppStore. After registration, a person receives virtual card MasterCard, which you can immediately use for online payments.

If you are used to using real plastic, you can order it by mail. The parcel reaches Russia in about 20 days. You can top up such a card from a current account or debit card. And manage your funds using the downloaded mobile application.

According to user reviews, this is the most profitable way to send money from abroad. The fact is that there are no commissions at all. That is, neither the recipient nor the sender will pay anything extra. The most cautious ones, however, do not recommend keeping funds on this card. It is safer to use the service only for translation.

Western Union

This is the fastest and easiest option on how to receive money from the USA. You can make a transfer not only by contacting the bank, but also without getting up from the couch. An online transfer option is available on the official website of the system.

You have to pay for simplicity and speed. The person to whom the funds are transferred will receive them in in full. But the sender will pay from 5% to 14%, depending on how the money is deposited and how long the transfer will take.

If you decide to use the Western Union payment transfer system, be sure to ask how the recipient's last name and first name are written correctly in Latin. Everything must be indicated exactly as in the document that will be presented for withdrawal. Otherwise, the money will be blocked.

MoneyGram

This option is almost identical to the previous one, but has slightly different prices. The translation principle is the same. It is important for the recipient and sender to know only each other’s personal data.

After sending a transfer via MoneyGram, the sender will receive a check containing a special tracking number. It must be communicated to the recipient by any in a convenient way. The counterparty will have to voice this number and present identification.

In the case of a transfer through MoneyGram, the commission is taken only from the sender. Its exact size can be found out using a special calculator on the service website.

RIA

This system is not as popular as the previous ones, but it is also quite reliable. There are 149 countries in the world where operations are carried out through this system. Including Russia.

Depending on how exactly the sender will deposit money, he will have to pay from 3% to 9% commission. The recipient will receive the entire amount.

The payment service has its own website, where you can quickly find out where the nearest bank is located that can provide such a transfer.

WebMoney

Until recently, the WebMoney payment system was one of the most profitable and reliable. The most compelling argument was the super low commission - only 0.8%. But for some time now the situation has changed. WebMoney no longer supports replenishment from American bank cards. This option is only available for Canada and Europe.

But there is a way out of any situation. After studying the opinions and reviews of users, you can try to circumvent the limitation. On the territory of such a huge country as the United States, there will probably be a branch of a European one, or if you open an account in one of them, you can try to circumvent the ban.

As you can see, there are a lot of ways to transfer money from America to Russia. You just need to carefully weigh the pros and cons and choose the best option for yourself.

We suggest that you do without lengthy introductions about who benefits from the service of transferring money from the USA to Russia.

There are a lot of options - if someone has such a need, then it’s necessary. Will ordinary people, bypassing all sorts of sanctions and prohibitions, be able to transfer money from abroad to Russian regions in 2016, and if they can, then how.

As always, there are two options: cash and transfer to an account. You can transfer cash in different ways. On the Internet, many advise transporting banknotes in special belts, hiding them away from the watchful eyes of customs authorities. This option is not interesting to everyone, because it requires the participation of a third party - firstly, it takes a lot of time - secondly, and it cannot be called legal, and thirdly.

Better to use operational services international systems money transfers. The main ones: Western Union and MoneyGrem. You can try Contact, but there are very few payment operator locations in America. PS Contact is not focused on the USA, so we will not consider this option as one of the best.

If you intend to constantly transfer money abroad (to Russia), it is better to establish a chain “from account to account.” It may seem difficult at first glance, but you only have to figure it out once, and we will help you with this.

Transfer to a bank account

The bottom line is this: you need to transfer a certain amount of money to the Russian Federation. You contact the bank where you have a bank (card) account and submit an application for the transfer. The same thing can be done via the bank office online - the difficulty lies in something else. In the details. More precisely, clients have difficulties with not knowing the bank details, but more on that later.

After filling out the application, you must pay a fee:

• Bank from where the transfer is sent: usually % of the amount, but there is a minimum limit. For example, 2%, but not less than $60;
• Correspondent bank (BC): not always appointed, amounts vary - from 20 to 50 dollars for an amount of up to 3 thousand USD;
• Recipient: often charged for cashing out (up to 2%). If the money remains in the account, then there is no commission. Conditions vary, please check in advance.

The column “purpose (or purpose) of the transfer” usually indicates financial assistance or current expenses. Some banks do not charge a fee if the payment is a tuition fee and is sent to the account of an educational institution. Everything is individual, so you better familiarize yourself with the conditions of your financial institution.

We calculated possible expenses, taking 3 thousand dollars as the amount to be transferred. At best (with minimum percentage and there is no commission from the bookmaker), the overpayment will be $60. At worst (it is assumed that you will be charged the maximum) – 170 USD. The terms for crediting an account in the Russian Federation are different for all banks - count on about 5-7 days.

Conclusion: the method of transferring from account to account is best considered for large sums. If you need to transfer up to 3-5 thousand dollars, the benefit is approximately the same as taking a taxi to the other side of the road.

What risks does the sender face? An error in the details: as a result, the money cannot be found either in the sending bank or on the receiving side. Particularly unlucky are those who sent dollars to themselves, to their own account in the Russian Federation, and upon arrival, for example, in Moscow, did not find a replenishment of their balance. This often happens - money has been received, but it is impossible to receive it because there is a mistake in the name.

Assistance in sending a transfer to a bank account

Features of international transfers with open account is the mandatory presence of not two, but three parties: between the sender and the recipient there is a bookmaker. Without it, it is impossible to carry out a transaction. The difficulty is that people usually don’t know the details own bank, but we haven’t heard of any correspondents there at all.

Take, for example, Sberbank - the bulk of transfers from abroad ends up in the accounts of the largest state bank of the Russian Federation, but before that the money goes through a rather thorny path:

• Bank in the USA from where the currency was sent
• Intermediary bank (correspondent)
• Sberbank in Moscow
• Regional office Sber
• Office in your locality (personal account, which we often confuse with the number indicated on a bank card)

In addition to the sending bank details, you will have to provide the following information (be prepared to provide them in advance to save time):

Intermediary, BC	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary’s Bank SWIFT, (i.e., SWIFT bookmaker)	BKTRUS33
Beneficiary’s Bank Account, (account in bookmaker)	04403077
Beneficiary Bank	Sberbank of Russia
Beneficiary’s Bank Address (address of the bank where the transfer is sent)	Find out from employees, on the website, by calling the hotline
Beneficiary's Bank-SWIFT (i.e., recipient's SWIFT)	—
Beneficiary (recipient details)	Last name/First name/Patronymic name (indicate in transliteration). For each Russian letter there is a special Latin designation; check this point with the bank employees.
Beneficiary’s Account, beneficiary client account	Account number (not the same numbers as those indicated on the front of the bank card. It is usually written in the agreement that is issued along with the card. If the document is not saved, check with the operators for information).
Payment Details, purpose of payment	For example, personal needs (Own/fundstransfer)

Transfers without opening an account

Forward sums of money possible without opening a bank account. Cash is accepted and sent to the bearer of the control number by well-known payment systems Western Union, MoneyGram. Both have many operational points in America and Russia. The first has more of them, but the second cooperates with Sberbank. Although Western Union signed an agreement with the country’s largest lender back in 2011, it was never introduced into its processing.

The execution time for an intercontinental transfer is a maximum of 10 minutes. As for the commissions, they are really big. This is the main reason why this translation method is usually kept in reserve and used in extreme cases, for example, when urgency is a priority.

Acceptance of international transfers without opening an account works in banks:

If you transfer dollars, they will be converted in the Russian Federation and rubles will be issued, but the exchange is made at the internal rate of Western Union (this is an additional source of income for the payment system). To send, they traditionally provide an ID card and a completed form. The control number issued to the sender must be communicated in any way to the person who will receive the money. This is also easy to do - using your passport and the same code.

At the macroeconomic level, capital turnover between Russia and the United States has always been relatively small. First, the Soviet “Iron Curtain”, then the complete economic collapse of the 90s, the vague politics of the 2000s and, finally, another rollback and isolation - sanctions, which began in 2014. However, the transfer of money from the USA to Russia for small businesses and individuals has remained very relevant since the destruction of the USSR to this day. We are talking about amounts limited to an upper limit of about 10 thousand “evergreens” (American dollars).

In light of the above-mentioned sanctions, the dollar jumped against the ruble at first by almost three times, and now (mid-2016) it has so far hovered at around two times. The rise in the dollar's price has led to an increase in bank transfers. Basically, people sought to transfer their savings in dollars from the United States to Russia, where they could cash them in rubles. However, the very rapid rise in price of the dollar (which, by the way, is directly related to the fall in oil prices) led to a catastrophic rise in prices for Russian market(especially consumer).

But for the purposes of this article, what is more important is that sanctions have made the dollar not only expensive, but also inaccessible (and sometimes completely inaccessible) for the vast, overwhelming majority of Russian citizens. Russians can pay for purchases in American online stores even more or less without interference. Or transfer money to the States for the provision of certain services. But getting money from there is becoming more and more problematic for Russians. The worst thing is that legal ways is getting smaller and smaller. And the power elite of this country once again creates the need for shadow methods. All remaining should be considered legal ways in order. And determine the pros and cons of each.

To do this, it is necessary that the sending bank in the USA and the receiving bank in Russia support the transnational transfer service. Most transfers from distant America come to Sberbank. Sberbank, like a number of other largest banks in the Russian Federation, still operates in the area related to the transfer of money from one country to another. Sberbank not only cashes out, but also stores the client’s money in his account. So, to make transfers, the client must have a personal account with Sberbank (another bank). And it is very desirable that it be card-based, i.e. linked to a bank card. In order to transfer money from American bank to a Russian bank, you need to submit an application. The presence of an unblocked account is automatically assumed. You should know that in 90% of all transnational bank transfers, in addition to the sending bank and the receiving bank, there is a third party - a correspondent bank.

This is a third party in the transaction, an intermediate link, a transfer point for money. Sberbank, Gazprombank and others major players banking market work with intercontinental money transfers only with the participation of such third parties. Sometimes a correspondent bank is really necessary, otherwise money may be lost along the way. And sometimes this is just a way to get extra money from the client in the form of a commission that all banks charge without exception. Sometimes there may be two or three correspondent banks. Then the already substantial total commission increases incredibly. This is the main disadvantage of bank transfers. And in general, almost all remaining legal ways of transferring money from the United States to Russia. Using a bank transfer, the client, making a transfer of $100, will receive $65 in his hands. Moreover, the commissions are such that it makes no sense to send less than $500 using this method. Here are the approximate commissions for each participant in the transaction (at the beginning of 2016):

• the sending bank charges a minimum of 2% of the transferred amount and in any case not less than $60;
• the correspondent bank (BC) will write off at least $20 from the transferred amount in its favor;
• There are options with the receiving bank. If the money is saved in an electronic account, then no deductions occur. However, if the client wishes to receive them crispy ruble bills(which is obvious for most small money transfers), then the bank for this procedure will take from 0.5% to 2% of the amount.

The problem of addresses and details

So, if a client transferred $3,000 from the States to the Russian Federation with minimal costs (one bookmaker, minimal commissions of final banks), then he will lose “only” $60. At the maximum of the stated amount, you can lose up to $170. The second disadvantage is the relative length of time it takes for cross-border bank transfers (the money will take a week or so to arrive). The third disadvantage is a large number of technical and legal information in which not a single, even tiny error is acceptable. What is this information? Firstly, bank details. Well, it’s easy to get the details of your recipient bank. As a rule, a piece of paper with this data is issued to the bank client along with his new bank card. Or you can always visit a bank branch, where, upon the client’s first request, he will be given a receipt with details.

There are branches of the same Sberbank in almost every city in the Russian Federation. Therefore, find out the details large bank no problem. Another thing is that many ignorant clients confuse some of these details. We must remember that in bank details information is reflected not only about the organization itself, but also about its client’s account.

The most common mistake– this is an indication in the column of the client’s current account of his bank card number. It should be remembered that the account and card number are two different things.

Secondly, you need to know the details of the sending bank. They can be found out either through the receiving bank (but this will not be as fast as with its own details), or from the one who will send the client money from the USA. Unless the client sends them to himself, simply transferring his funds from one country to another. Then it is automatically assumed that the client must know the details of the bank whose services he uses. But that is not all. You will need to find out the details of all correspondent banks, and also have the following form written down somewhere (bank names, addresses and technical information are entered as an example):

Intermediary (correspondent bank)	Deutsche Bank Trust-Company Americas, New York, NY
Intermediary's Bank SWIFT
Beneficiary’s Bank Account (account in a bookmaker’s office to which funds will temporarily be received)
Beneficiary Bank (recipient bank)	Sberbank of Russia
Beneficiary’s Bank Address (recipient bank address)
Beneficiary's Bank-SWIFT	Information from bank employees
Beneficiary (client's personal data)	Full name (in the form of transliteration, but more about it below)
Beneficiary's Account (client account)	It is the client’s personal bank account, and not his bank card number
	Here you need to indicate either financial assistance or current expenses (Own /fundstransfer)

SWIFT is an international, interbank system that is used to transfer information between banks and make interbank payments. Each bank has its own SWIFT address.

Finally, thirdly, there are errors in the spelling of the recipient's full name due to the use of international Latin transliteration. The fact is that in an application for transferring funds from America to Russia, the recipient’s full name cannot be written in Russian letters, since the sending bank is American. Used international standard in Latin form. Most letters have a fairly obvious correspondence. For example, “G” - “G” or “A” - “A”. Transliteration of the Russian and Latin alphabets according to Western Union is almost always used.

Western Union is a large American company with almost a century of experience, specializing today in financial intermediation.

Western Union standards are used by almost all banks in the world. Therefore, the use of the universal Latin alphabet, which Western Union uses, is also relevant in Russian recipient banks, including Sberbank. But, as already mentioned, errors occur in the spelling of non-English names and surnames. Here we should note those Russian letters that are most often incorrectly expressed in the Latin alphabet when writing bank documents. Below is a table of the correct expression of Russian letters through the Latin alphabet:

It must be remembered that if at least one Latin letter in the full name is incorrect, that is, it does not match the passport full name of the recipient, the latter will not be able to receive his money from the accepting bank. You will have to contact the American sender to confirm the identity of the recipient and correct his personal data in the application for the shipment. In general, the slightest mistake when transmitting data for a money transfer can lead to loss of money. Sometimes irreplaceable. It happens that a client who had some savings in America arranges for their transfer to Russia. And he makes some seemingly tiny mistake. I mixed up one number. Or instead of “Y” he indicated “E”. And upon arriving back in the Russian Federation, he discovers that his account at the recipient bank is empty. To prevent this from happening, extreme care must be taken. For example, here is the standard chain through which money from America gets to Russia:

• American bank-sender;
• intermediate link (correspondent bank);
• Sberbank central branch in Moscow;
• regional branch of Sberbank;
• a specific branch of Sberbank in the locality where the final recipient lives.

As seen, bank transfer Although it has a certain reliability, it is not always convenient. Before the sanctions, some Russian banks had their branches in the United States. This would be a great option, since the money would be transferred without commissions and quite quickly. After all, transfers would be considered operations within one banking network. However, today nothing is known for certain about the American representative offices of Russian banks. There are many payment organizations and electronic systems, through which you can still send money. However, of course, there are pitfalls here too.

PayPal

This large debit payment system is very popular among Americans, but for Russians it is of little use. Through PayPal, residents of the Russian Federation can only pay for foreign services, but they cannot transfer money from abroad to Russia. Any such payment will be frozen in pending status for weeks or even months, after which the payment will be cancelled. Without any comments.

WebMoney

Until recently, this was a really good way to transfer money from the US to Russia. A significant advantage was the very low commission of 0.8%. However, a few years ago, accounts on WebMoney stopped supporting American bank cards. That is, it was impossible to top up your wallet with them in this system. Only Europe and Canada remain. And since the beginning of 2016, WebMoney has generally been in a catastrophic mess and chaos associated with financial policy government of the Russian Federation. Not just any foreign transfers - it has become impossible to transfer money to most Russian exchangers or by bank transfer. For example, there are still problems with sending money to a Russian QIWI wallet.

Western Union

We have already discussed it above. In principle, this sending option is the fastest (within this system, transnational transfers can be carried out in a maximum of 10 minutes) and very reliable. But the price for speed and reliability is, without exaggeration, extortionate commissions. For a better understanding, it is worth giving a table with the Western Union price list:

Amount sent from the USA, $	Commission for instant transfer, $	Commission for standard Western Union transfer, $	Commission in percentage

If there is such a table, it becomes clear that within Western Union it is more or less profitable to send amounts up to $200. Large amounts lead to very high commission costs. The application for a transfer within Western Union must also indicate that the payment is financial assistance. And the sender must know how exactly the recipient’s full name is written in transliteration. It is best to convey personal information to the sender in this way:

• first name: Alexander (name – Alexander);
• middle name: Alexandrovich (patronymic – Alexandrovich);
• last name: Sidorov (surname – Sidorov).

It must be remembered that not all Russian banks operate in the Western Union system. Western Union services are supported by: Alfa-Bank, Gazprombank, Bank of Moscow, KMB-BANK, Absolut Bank, Bank Vozrozhdenie, MDM-Bank, " Eastern Express", Baltic Bank, Prominvestbank, VTB 24, RRDB, Bank 24.ru, Baltinvestbank. By the way, the exchange of dollars for rubles will be carried out at the internal rate of Western Union (an additional source of income for the company). Individuals can use one more payment system, similar in type to Western Union, is MoneyGram. It has one advantage over its competitor. “Manigram” cooperates with Sberbank, whose clientele amounts to millions of Russians.

WebMoney and Yandex.Money do not service bank cards issued in the States. However, you can do something more cunning. The sender simply issues an American bank card. After which it is sent by mail to the Russian recipient. And through banking system USA replenishes card account. And the recipient simply cashes out this money from his card in Russia. Commissions here are minimal, and money is unlikely to be lost anywhere.

As transnational translation becomes more and more relevant these days, articles like this one will be in demand. They list the remaining options for transferring microfinance between countries and seek solutions to new problems in the field of remittances.

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When there is a need to transfer money from Russia to the USA, people first think about a bank transfer. Their logic is understandable, because the USA is far away, but you want the money to reach the addressee safe and sound. Of course, a bank transfer is reliable, but is it profitable? In this article we will answer this question, looking at several profitable ways transfer of funds from Russia to the USA.

Let's use cards

Transferring funds to America via bank transfer is quite expensive. Even if this is done with a minimum commission, the costs will still be close to 7-10% of the payment amount. In addition, to make such a transfer, you need to know the bank details and payment details. In addition, you will have to wait from 2 to 7 business days. In general, without going into details, we can say that this method is inconvenient and expensive.

Developing the topic we started, we can say that transferring money from a card Russian bank A card from an American bank is also not cheap, although it is done quickly. After a long search, we managed to find an option with costs starting from 5.5%. A complete robbery, but we came up with an idea that we immediately implemented.

1. Our friend in America has a map of the Russian Tinkoff Bank. He hardly used it, but he has it active.
2. We sent 1000 rubles to this card for verification from another Tinkoff cards.
3. As a result, the money came to him without commission.
4. Moreover, when he tried to cash it, it turned out that the American bank charges very little for conversion, and losses due to exchange rate differences are minimal.

As a result, we managed to transfer the required amount to his Tinkoff card in just a few minutes. Losses amounted to something in the region of 1.5%. If your recipient in America does not have a Tinkoff card, you can issue one and send it to him by mail. Subsequently, you will be able to send money to America whenever you want, very cheaply.

You can try it debit cards other banks, the main thing is that the card is accepted abroad.

Contact, Western Union or MoneyGramm

Searching and sending cards is, of course, good, but this method is suitable if you unconditionally trust the recipient of the transfer. If you need to make a one-time transfer, you can use world-famous systems financial transfers. Let's take MoneyGramm for example. There are plenty of MoneyGramm offices everywhere. Go to a branch of almost any bank and there is a service point for you.

The transfer is carried out in US dollars. The commission depends on the amount sent. The higher the amount, the lower the commission. We sent a money transfer to America in the amount of 500 “evergreens” and they charged us an additional 32 bucks.

We were pleased with the Contact system. Having sent 500 bucks to the USA, we paid only 15 dollars in commission. No additional fees were charged to the recipient. The money arrived in 20 minutes. The most arrogant company is Western Union. They took 1.5% of the transfer amount as a commission, but for currency conversion they charged a full 6%. “The bottom line” is 7.5% for the transfer. The most expensive tariff!

If you still decide to use one of the above systems, first of all, find the nearest point where you can do international transfers. To quickly find such an item, visit the website of the translation system you have chosen. Having found the address, go to it with your passport and money. Fill out the card, transfer the money, show your passport and in 20 minutes the money will be there.

American Express checks

This method is as old as time, but it still works. You can send American Express checks by regular mail. The letter does not arrive to the addressee quickly, but the recipient will not be charged a commission when cashing the check. There are disadvantages to this method. Firstly, the letter may get lost, and secondly, the checks have a very specific denomination: 20, 50 and 100 bucks. You will have to send a round sum.

So, you were able to make sure that it is still possible to send money to the USA profitably. The main thing here is to find out and calculate everything in advance. If you have any questions, write, we will answer. Good luck!