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Experts suggested how to save on money transfers

The Russians there are many ways to transfer money to another person, and even in one Bank there may be several options for different prices. The transfer fee may depend not only on amounts but also on the way of committing it: for example, the Bank application is free of charge, at the office - no longer exists.

Recently a significant role in reducing the cost of remittances play a financial power. So, for more than a year working System of quick payments (SBP), the Bank of Russia, which you can use for free to transfer up to 100 thousand rubles a month, knowing only the phone number of the recipient of funds. It is already connected all major banks, and the number of participants continues to grow.

In addition, since June 14, in Russia a ban on banking roaming now banks can't charge fees for interregional money transfers within the same credit institution. This restriction primarily affected the savings Bank in April and he started to transfer customers to a new system in which you can monthly transfer up to 50 thousand rubles in the Bank for free and then either to pay a Commission of 1%, or buy a subscription.

In a variety of ways remittances and how we can save, with the help of experts understood the correspondent of RIA Novosti.

If the sender and recipient are served by different Russian banks, the SBP is one of the most convenient ways to make a transfer, said the Chairman of the Association of market participants of electronic money and remittances (de) Victor Dostov.

The advantages of the same intra-Bank transfers: they are instant and the transfer is sufficient to know the recipient's phone. Commission from Bank to Bank almost does not change, since they are limits of the Central Bank. When translating to 100 thousand rubles a month, pay nothing, but even if you exceed this amount, the Commission is only 0.5% but not more than 1 500 rubles.

Transferring money through SBP, the client should compare the cost of the surgery with classic card transfers, advises the head of office of non-credit products Raiffeisenbank Maxim Stepochkin. If the translation is less than a certain amount, the Commission, through the URS will be less. Then it "catches up" fee for classic transfer and further increased to its ceiling of 1 500 rubles. Thus, the translation up to a certain amount more profitable to make using the system more than through a normal Bank transfer.

System of quick payments is also a convenient way to transfer money between own accounts in the participating banks. Banks since July began testing a new feature: now just open the application Bank account in which to raise money, and to do inside one window requests the required amount from their accounts in other credit institutions.

Transfers from card to card convenient, including if the payer and recipient live in different countries. For example, now many credit institutions allow you to transfer money to Bank cards in Central Asia, it is enough to know the card number of the recipient.

The disadvantage is the large size dispersion of the commissions. The private Bank mobile apps such translation may be free, but on a third-party website for this service may charge a fee. So we need to carefully monitor the full cost of the transfer before it occurs, reminiscent of the AED.

However, there is a way to save on transfers to a customer of another Bank. There is no charge, if you translate the so-called "interbank", i.e. from account to account on the details, advises the Chairman of the Board of "BKS Bank" Dmitry these regularities must be-Podolsk. This is one of the easiest ways a translation can be done in most mobile and online banking facilities to the large players. Account details from the sender, you can save if you need to repeat the operation.

Some customers also use a small trick: when you transfer to a friend or a good friend they can give them your card details, so that they could credit your account with a "plastic". At the same time to confirm the operation on the mobile phone of the card holder will receive a code that you will need to enter to replenish your card. However, it is worth remembering that this information is to speak personally, not leaving a "digital footprint", and only those who you trust.

To optimize the cost of translation with the help of social networks, this service offers "Vkontakte". Sending with Mastercard and Maestro from 300 to 75 000 rubles per month is done without a fee, for Visa cards and "World" are charged a small fee. Receiving money is completely free.

Another way to save is to send money to a customer of the same Bank, advises the Executive Director on the development of the Bank "Russian Standard" Elena Petrova. Such internal transfers in credit institutions is often free. So, if you want to transfer money to a friend, you should clarify cards which Bank he uses and choose the one in which you opened the account and you.

This includes transfers between electronic wallets within the same e-money system, they will be free or nearly free, like the Chairman of AED Dostov.

In addition, customers of many banks have the opportunity to open an additional card to its core. This is useful, for example, to transfer money to relatives. In this case, you will have a shared account where you can monitor ongoing operations. Such an additional card you can often set limits on cash withdrawals and purchases.

In some cases, save the client still does not work, for example, when sending remittances in cash. In most cases, to obtain such translation will be in a few minutes or hours, but it has significant drawbacks.

First, will inevitably have to interact with the operator to transfer funds, in terms of the spread of coronavirus is not always convenient and possible. Second, because such transfers are more expensive than non-cash, they are almost never free. But expensive to call them difficult, said Dostov from AED: according to the world Bank (WB), Russia Commission on remittances are among the lowest in the world. In the reports of the world Bank Russia even point separately and not as part of a macro-region, so as not to distort the statistics.

However, in a very niche transfers to certain countries, on certain amount in a specific period of time, banks may be generous and not charge fees.

The peculiarity of the Russian market of remittances lies in the fact that on the side of the payer and recipient can be completely different instruments. That is not necessary to do transfer it from account to account or from card to card. You can Bank account, transfer money to e-wallet. Or e-wallet to make a transfer, which the recipient will pick up cash in the nearest Bank.

The fee for such operations can be very various and strongly depend on the Bank. But the regulator here on the consumer side: according to the law, the credit institution must notify the cost of the transaction before it is committed.