How much does Western Union charge? Western Union - what is it and how to use it

Western Union tariffs for ruble transfers are set in Russian rubles, regardless of whether the money transfer is sent within Russia or abroad. The applied tariffs are quite flexible, with specification for individual regions of the far abroad. For individual countries, the international money transfer system Western Union sets individual tariffs for the transfer. In the Western Union money transfer system, tariffs are divided into two types:

• "Urgent"
• "12 hours"

1. Western Union tariffs for transfers within Russia

   In accordance with Russian legislation, all transfers of funds within the territory of Russia are carried out only in rubles, and payment for the transfer is also made only in rubles.
   

2. Western Union tariffs for transfers to neighboring countries

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

3. Western Union tariffs for transfers to non-CIS countries

   Non-CIS countries include all countries, except for countries and regions that are reflected in other ruble tariffs.
   

   
   

   Tariffs for transfers to non-CIS countries (Russian rubles)
   Sum money transfer	Tariff - urgent
   RUB 100.00 - RUB 2,500.00	RUB 250.00
   RUB 2,500.01 - RUB 5,000.00	RUB 500.00
   RUB 5,000.01 - RUB 10,000.00	RUB 750.00
   RUB 10,000.01 - RUB 15,000.00	RUB 1000.00
   RUB 15,000.01 - RUB 20,000.00	RUB 1,250.00
   RUB 20,000.01 - RUB 25,000.00	RUB 1,500.00
   RUB 25,000.01 - 30,000.00	RUB 1,778.00
   RUB 30,000.01 - RUB 40,000.00	RUB 2,028.00
   RUB 40,000.01 - RUB 50,000.00	RUB 2,278.00
   RUB 50,000.01 - RUB 60,000.00	RUB 2,528.00
   RUB 60,000.01 - RUB 75,000.00	RUB 3,028.00

   For amounts over 75,000.00 rubles, in each subsequent interval of 15,000.00 rubles, 500 rubles are added to the payment for sending the transfer.

4. Western Union rates for transfers to the People's Republic of China, Mongolia, Hong Kong, Taiwan, Macau and Vietnam.

   When sending a money transfer in rubles, the following should be taken into account:

   
   
   1. Payment of money transfer "12 hours" is possible after 12 hours from the moment of departure.
   2. The transfer fee is charged only from the sender of the money transfer. Payment for
      the transfer may be charged from the recipient of the transfer only if the transfer is sent to the address of the legal entity that is the payer of the transfer fee.
   3. For transfers from Russia to Turkmenistan, the 12-hour tariff does not apply.
   4. Russian Post does not send money transfers within Russia, as well as to Azerbaijan, Belarus, Estonia, Georgia, Kazakhstan, the Republic of Kyrgyzstan, Latvia, Lithuania, Moldova, Tajikistan, Turkmenistan, Uzbekistan and Ukraine.
   5. The maximum transfer amount for Russian residents to neighboring countries is 5,000 US dollars or the equivalent in Russian rubles within one business day.
   6. The maximum amount of money transfer "12 hours" cannot exceed 100,000.00 (one hundred thousand) rubles.

   Information about Western Union money transfers (Western Union) can also be found in the materials.

No money transfer system in the world can boast such a long history of existence. Initially, the company's activities were related to services telegraph communication. 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.

Conditions for sending and paying out a transfer

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 letters. 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. You need to know the exact amount, who the sender is 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. The regularity of the tariff scale is as follows: the farther geographically the state of the recipient, the higher the service costs, 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 the national currency - rubles. For today, the following tariffs for the transfer of Western Union in rubles remain effective, in Russia:

To Kazakhstan and Azerbaijan:

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:

From Russia to Ukraine:

To non-CIS countries:

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:

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 Union transfers have many advantages compared to similar systems:

1. 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 of the post-Soviet space, more than thirty-five thousand such points are open.
2. For operations no account opening required Well, that goes for both sides.
3. 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.
4. Possibility to send a written message and a notice along with the money.
5. Safety. World-class security ensures that only the person specified by the sender can receive the money.
6. 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 additional services provided. 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 the specified card, and the system will generate a control number, which 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. Such Alternative option Convenient on weekends when the shops are closed.

Without a 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.

Information on how to receive a Western Union transfer is relevant today, because international money transfers are becoming increasingly popular due to the high speed of sending money, the absence of difficulties in receiving, and also the fact that the sender is responsible for paying the commission, and the recipient receives only the benefit .

Union

Western Union is a system that allows you to make transfers Money Worldwide. Users use services this service for one hundred and forty years now. 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.

The period in which the application is made can take both a few minutes and several hours. Everything is influenced by the region in which the funds should eventually arrive. Similarly, the change in tariffs set by the company is carried out. More about them will be discussed below.

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 euros. 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. a 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 service. High Quality and high transaction speed.

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 where the desired branch is located, where you can receive the transfer, 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.

Mail

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, Turkey). 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 has leading Russian banking organizations as partners. 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 his personal account, 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 internationally, 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.

07.06.2017 0

Modern financial system provides the widest opportunities for receiving money transfers in any locality of the planet. Transfers from Western Union (receiving and sending money) occupy a leading position in the market. The company has become a real international model of decency, fast service and convenience. Its branches are located all over the world, covering most financial institutions. If you need more detailed information on the work of the company, then it will always be provided at post offices or banks in Russia.

Transfers from Western Union are receiving and sending money to anywhere in the world. And they are available on the official website online.

• It is enough to go to the Western Union resource. At the bottom of the page is a link "Get money".

• After clicking on it, a page will open where the button "Find a branch" will be displayed.

• You must select a country, city and click "Find".

To enhance visualization, the system provides a map with the location of branches. A feature of the company's work is sending money to the country where the recipient lives. You can get a transfer at any convenient branch, there are many of them.

In order for the recipient to receive money at the post office or bank, he must have a special digital code and know the amount of the transfer.

Such information can be securely communicated to the recipient by telephone or email. Another person will not be able to receive the money, even if he finds out the data.

With this information, you need to go to the point of issue of WesternUnion transfers. They can be easily recognized by the characteristic company logo on posters or stickers. For identification, a branch employee will require a passport.

When sending a transfer, a certain commission is charged. The recipient is completely exempt from any additional payments. He gets the full amount.

To receive funds, you must first fill out the form offered by the branch employee. To do this, you need to enter the following information:

• recipient's personal data;
• transfer amount;
• select the currency in which the funds are transferred;
• locality and country of the recipient of the transfer.

The form is intended for self-filling. For readability, each letter fits into a separate cell. It is better to use a printed font when filling out.

How to transfer money through Western Union online (via the Internet)

To make a Western Union transfer (for example, to China, Ukraine, Belarus, Kazakhstan, Germany, Russia or any other country) online, you need to go to the official website page.

• The main page of the Western Union website will open, where you need to click " Submit online.

• Then a page will open to select the destination country, set the transfer amount, fill in the recipient details and click " Continue" .

• The system will prompt you to select a payment method and make a transfer to the specified person.

You do not need to have special knowledge to successfully make transfers from Western Union: receiving and sending are relevant to everyone who has relatives abroad.

Money transfer via Western Union via mail

To do this, you need to contact any post office of the Russian Federation or a bank that is connected to the Western Union system. The sender must have an identity document and the required amount of money with him. In this case, do not forget about the commission. The document can be:

• internal or foreign passport of a citizen of the country;
• sailor's passport;
• serviceman's certificate;
• a temporary document replacing the passport.

When visiting a post office or bank, you should contact the employee to take a letterhead.

Transfers within the territory of one country are carried out in local currency, so no conversion steps are required. For transfers abroad, US dollars are usually used as the universal currency. In this case, the recipient has the right to choose the option of receiving: in local currency or dollars.
How to make a transfer correctly so that it accurately finds its recipient? To do this, it is enough to transfer the digital transfer code, for example, by SMS or by phone. One mistake in the code will lead to a refusal to issue money and require correction.

Western Union Transfer Fee

Transfers from Western Union (receiving and sending from abroad) have been available to us for many years. The company pursues a transparent policy aimed at increasing volumes. To do this, the rates for the operation in all countries are brought to a single standard. Sending small amounts is relatively expensive, but offset by the convenience and speed of the service. Today the company has a huge number of points around the world.
The size of the commission fee depends on the size of the transfer and is optimal for large amounts.

To send a money transfer you need:

• Come to the nearest customer service point Western Union.
• Tell the teller the full name of the recipient and the destination of the transfer.
• Present a passport or other substitute identity document (a residence permit in the Russian Federation, a serviceman's certificate, a military ID or a document issued in exchange for a lost passport).
• Enter the amount to be transferred and pay for the service at the current tariff at the Bank's cash desk.
• Get a copy of the form from the operator, which indicates the control number of your transfer, which you need to inform the recipient (without it, the recipient will not be able to receive the transfer).
• Notify the recipient of the transfer.

To receive a money transfer you need:

• Know the control number, the amount of the transfer, the full name of the sender, the country of departure, the answer to the security question (if the sender included the security question in the transfer form).
• Come to the nearest customer service point.
• Show the operator an identity document (passport, residence permit in the Russian Federation, serviceman's certificate, military ID or a document issued in exchange for a lost passport.

Restrictions on sending money:

• You can send from Russia no more than 5000USD(equivalent in rubles). For foreign citizens, this limit is more - 7500 USD.
• Maximum total amount of cross-border money transfers sent by one sender to one country: 600,000 RUB per month (equivalent in USD/EUR). The maximum transfer amount to the countries: Kazakhstan, Kyrgyzstan, China and Vietnam is 100,000 RUB per month (equivalent in USD/EUR).
• In Russia, you can send only rubles. You can receive a transfer abroad either in US dollars or in the currency of the receiving country.

Ways to send and receive money:

• At the bank office.
• Through an ATM. All you need is a plastic card.
• Through the Internet. If you have remote access to your bank account.
• Through the post office upon presentation of a passport.
• Through the self-service terminal of the QIWI payment system. Without a passport and a bank card. The maximum transfer amount is 15,000 RUB.

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