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.

Information on how to get the translation of Western Union is relevant today, because international money transfers are becoming increasingly popular due to the high speed of sending money, the absence of difficulties in obtaining, and the fact that the responsibility for payment of the Commission lies with the sender, and the recipient receives only benefits .

Union

Western. Union is a system that allows money transfers worldwide. Users use the services of this service for one hundred forty years. The system includes a huge network of service branches: about five hundred thousand in more than two hundred countries of the world.

Russia has approximately twenty thousand service points of Western Union, thanks to which users can translate money and within their state, and abroad.

The period in which the application is issued may occupy both a few minutes and a few hours. Everything affects what precisely the region will eventually have money. Similarly, the change in tariffs established by the company. More about them will be told below.

Translations, as a rule, are paid in the currency of the state in which money comes, however, in the Russian Federation, Ukraine, Belarus, Kazakhstan and other CIS countries, transaction is also produced in American dollars, and in euros. To find out where to get a translation of Western Union, you should find data about the nearest serving point on the system portal.

Departure of cash with the help of Western Union has several important nuances:

• the speed of operation. Transaction is performed within a few minutes. You can get money sent from the USA in five minutes. It is necessary to remember only about the difference in time zones and the timetable work of service points;
• reliability of operations. All translations are protected by a special security system, i.e. Special individual number with which they will be stored and transmitted. The service gives one hundred percent guarantee of money transfer to the person that is indicated in the application;
• comfort. To make a transaction, you do not need to create a bank account. The application is served in 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 you affect the shortcomings of the system, only the price of the services provided here. There is some exceeding tariffs, compared to how much the work of other systems is. However, such a price is justified, because Western Union is celebrated with its high quality service and high speed of operations.

In the Russian Federation, this system of electronic payments began to function only in 1991. First, a subsidiary, the main office and the reference service of which were located in Moscow was opened. Today in Russia there are more than twenty thousand serving points. Many of them work without interruptions.

If we talk about the translations of money through a bank institution, the question arises, in which banks there is the opportunity to list the money through Western Union? In the Russian Federation, banks of Absolut, Vyatka Bank, Omsk Bank, etc. are constantly working with this service. A relevant agreement was signed between Sberbank and Western Sberbank in 2011, but the provision of services was never started.

Instructions for receiving translation

Where can I get Western Union? The most common way to obtain a money transfer Western Union is a visit to the banking department collaborating with the system.

The process of how you can get money Western Union, very simple. Bank employees provide money to the recipient based on the statement decorated by the sender. In addition, bank employees are obliged to inform the sending address in a timely manner in which the desired separation is located, where you can get a translation, as well as information on how much money transfer is stored.

In order for the recipient to give his money, he should call the banking organization to the amount and number of the operation, as well as show their passport.

Employees of the institution cannot issue money without clarifying such information:

• agreement number;
• the amount of money prescribed in this agreement;
• FULL NAME;
• phone number of the recipient.

If the recipient provides loyal information, he will receive a copy of the agreement from employees of the bank in order to sign it. As soon as the formal procedure is completed, the money will go to the recipient.

Terminals

Banks collaborating with the Western Union service have a wide terminal network that make it possible to get the necessary amount very quickly.

To do this, follow these actions:

• in the main terminal menu, select the "Receive Translation" item and specify the desired service. After that, receipt is confirmed;
• sign up using a map or a message that came from the bank;
• choose a map to which money will come;
• specify the operation number received by the sender, as well as its currency.

post office

Users Western Union can come for their money in the post office. The procedure carried out here is similar to getting money through the banking department: the recipient must show the mail employee passport (passport), translation number and amount.

Important! The main nuance arising when using this method - the sender can use the delivery of money. In accordance with its terms, mail employees will take the transfer at the address of the recipient.

Having examined the procedure for obtaining a translation of Western Union, it should be understood with the main conditions of transaction:

• the resident can send abroad money in the amount of up to five thousand dollars. Once or a day, you can perform an operation without providing any documents;
• a user who is not a resident can translate amounts up to three thousand dollars.

Verify translation

To learn about the receipt of translation with a specific number, you can go to the official Western Union service portal. Check requires specifying information about the translation in the form that has appeared, as well as expectations of the processing of the received request. Next, the user will receive the status of a monetary translation.

The price of the service directly depends on the state from which the translation is coming, and the countries in which it goes. For the translation in the amount of up to 145 thousand rubles, carried out by the Russian Federation, the system will take a commission of 4-10%. For each further increase in sum, two hundred forty rubles is additionally paid.

In order to transfer money in the amount of more than three thousand dollars at the tariff "Twelve hours", it is necessary to present documentation.

Between the CIS countries is the departure from one hundred and three and a half thousand dollars. For the implementation of such an operation, the service takes a commission in the amount of 3-6%. These tariffs can only be used by the states of the near abroad (China, Turkey). When implementing ruble translation, the need to pay a commission fee for converting funds for the system course will be preserved.

Online system

Western Union has leading Russian banking organizations in partners. Each of them is able to offer the client using Internet banking, where the user can carry out any operation with money.

In order for the service client to use the online banking online, he needs to register, after which, going to the personal account, he will be able to track the transformation status.

You only need to select the desired option, as well as specify the translation number and sender data. The translation number is usually indicated on the letterhead provided by the banking institution during the processing of money transfer.

So, the Western Union system, which allows payments at the international level, is the most convenient service in order to send money. Its users get excellent service, wide geography of translations and meser dates for cash delivery.

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.

Many are faced with the need for remittances from abroad or abroad due to various reasons: work trips, tourist holidays, change of residence, etc. Western Union is a large international system that allows you to transfer money safely and quickly. We will tell about how to transfer money Western Union with various methods.

What you need to translate money Western Union

What is needed to transfer money through the Western Union system? In most cases, only the recipient data is required for the operation, however, in some countries, when visiting an office, the sender will also need to make a certificate of identity.

It is also necessary to have a transfer amount in the form of cash or on the map, taking into account the commissioned commission. Commission's size can be found on the WU website.

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

Step-by-step translation instruction

Perform payments and transfers through Western Union very quickly, since. The system is maximally optimized under the user and easy to handle. We give step-by-step instructions:

• Learn money recipient data. Before transfering money, learn full name, first name and patronymic. In addition, you will need to accurately call the country and the city of departure.
• If you send money abroad through the company's office, you will need to fill certain forms. First of all, you should indicate F. I. O. Reciphet. If the translation is carried out on a bank account, you will also need to specify BIC and IBAN - these are the values \u200b\u200bthat are assigned all international bank accountsas well as the recipient's bank account number. In some countries, it may require additional information from the sender and the recipient - for example, an income certificate. Information on these conditions should be recognized on the official website of WU.
• Write down the DRP - the monetary control number - and inform it to the recipient, since. It will be needed upon receipt of funds.

Another way to transfer money abroad is to use the official website for sending money. There will be required the same information and operations, with the only difference that you perform them from home or any convenient place through a web browser. However, not all countries allow online transfers - in this case they will have to appear in the office personally.

What percentage takes Western Union for the transfer of money

The minimum amount of commission for shipments through Western Union is 1%. In addition, in translations there may be a hidden commission - the system takes money for the service, converting a transfer currency by the inner course.

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

For each specific state, you should specify the conditions for translation on the official website of the system. In addition, the desired list of conditions will be automatically demonstrated by the sender when making a payment on the website or in the office of the company.

How much money can be translated through Western Union

Send money through Western Union to another country to the bank account Residents of Russia can in the payment system department with a limitation of 5,000 USD per operation. If a foreign citizen is deducted by departure, the maximum amount of money transfer increases to 7,499 USD. Before sending money, you must familiarize yourself with the list of available countries, since. Not in each country, banks accept available translations. Among those affordable to transfer to the bank account of states at the moment there is Turkey, Finland, Poland, Italy, USA and other popular tourist destinations.

For translation online in the separation of the payment company itself, much more countries are available. Among them are our border states - Ukraine (except transfers to the Sberbank card), Belarus, Kazakhstan. For one operation, you can translate to 100,000 rubles, and a month - up to 600,000 rubles. At the same time, 5 transactions are available for the sender and 7 - a month.

How to get money through translation Western Union

In order to make a receipt of money through the Western Union system, it is necessary to come to the company's office, capturing a certificate of identity and knowing the CRPP, which the sender told you. You can get acquainted with the location of WU offices on the official website of the company.

Then it is necessary to present an employee of the company's own identity card, the data of which will coincide with the data specified when sending the payment. Fill in the form by specifying your data and payment code there. After that, the employee will give you the necessary amount.

Important! In case the funds come to your bank account, no special action from the recipient is required. Money will be enrolled during guaranteed time, and then you can usually get them in the method provided for in the recipient's bank.

How to transfer money from Germany to Russia through Western Union

Translations from Western Union is one of the most reliable and proven ways to send money from Germany to Russia. The company has many reception points, and in Berlin alone, you can find more than 400 such points. Their location is easy to find through online cards or in the appropriate section on the payment system website. In order to transfer money from the payment reception item, it suffices to contact the employee and report the necessary payment details and details of the payment.

To translate funds yourself and without leaving home, you can use online banking. To do this, go to the main page of the Western Union website and select the appropriate Sea and destination country in the appropriate fields - Deutschland and Russland. Nearby, in the field with the value value, you should specify the size of the translation into euros.

After selecting values, the selection tab will be opened in Russia. It will be necessary to designate where the money will be listed - on a bank account or in the Western Union Union branch for cash.

Then the write-off account is chosen - from a bank card, banking bills or with the personal deposit in the nearest branch. The most profitable solution will choose the write-off of money from the Visa or MasterCard card, and sending money to the bank account. In this case, the system does not yet hold the commission, but the Bank's deduction occurs due to the currency conversion at the internal course of the system. The term of such a translation will be 1-2 days.

Another way to send a money transfer from Germany to Russia is to send money from the card to the point of issue of Western Union. Such departments are enlighted almost instantly, but for the speed will have to pay a commission of 2.99%.

Tariffs Western Union

Western Union tariffs for money transfers in US dollars, sent abroad are also set in this currency. Applied tariffs are quite flexible. For individual countries, the International Western Union system establishes individual tariffs for money transfers. In the system of international translations, Western Union uses two types of tariffs:

• "Urgent"
• "12 hours"

1. Tariffs Western Union for translations to near abroad

   To the countries of the near abroad, the Western Union system refers: Azerbaijan, Armenia, Belarus, Georgia, Kazakhstan, Moldova, Kyrgyzstan, Tajikistan, Turkmenistan, Uzbekistan, Ukraine.



2. Tariffs Western Union for transfers to non-foreign countries

   
   

   Translations for far abroad - US dollars
   Amount of money transfer	Tariff "Urgent"
   3.00 - 100.00 USD	10.00 USD.
   100.01 - 200.00 USD	20.00 USD.
   200.01 - 400.00 USD	30.00 USD.
   400,01 - 600.00 USD	40.00 USD
   600,01 - 800.00 USD	50.00 USD.
   800.01 - 1 000.00 USD	60.00 USD.
   1 000.01 - 1 200.00 USD	71.00 USD.
   1,100 - 1 600.00 USD	81.00 USD.
   1 600,01 - 2 000.00 USD	91.00 USD.
   2 000,01 - 2 400.00 USD	101.00 USD
   2 400,01 - 3 000.00 USD	121.00 USD.

   For the sums of translating over $ 3,000.00 to foreign countries in each subsequent interval of $ 600, $ 20.00 is added to payment for the transfer of translation.

   
   The countries of far abroad do not include: PRC, Mongolia, Gong Kong, Taiwan, Macau, Russia, Kyrgyzstan, Azerbaijan, Armenia, Georgia, Ukraine and neighboring countries.



3. Western Union Tariffs for Transfers to the People's Republic of China, Mongolia, Hong Kong, Taiwan, Macau and Vietnam

   For the sums of translation over $ 7 000.00 in each subsequent interval of $ 2,000.00 to pay for the transfer of translation, $ 20.00 is added.

When sending translation in US dollars, consider the following:

1. In addition to the tariffs for the transfer of money transfers Western Union holds the difference between currency exchange courses.
2. Payment of money transfer "12 hours" is possible after 12 hours from the date of departure.
3. The transfer fee is charged only from the sender of the money transfer. Payment for
   the translation can be charged from the recipient of the translation only in the case of a transfer direction to a legal entity that is a payer for the transfer fees.
4. When translating from Russia to Turkmenistan, the tariff "12 hours" does not apply.
5. The maximum amount of translation for residents of Russia is 5,000 US dollars or equivalent in Russian rubles within one operational day.
6. Russian Post does not send money transfers in Russia, as well as to Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, Republic of Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Ukraine.
7. The maximum amount of money transfer "12 hours" cannot exceed 3,000.00 (three thousand) US dollars.

Information on the money transfers "Western Union" (Western Union) can also be viewed in the materials.