How to transfer money from Kazakhstan to Russia? Reliable ways to transfer money

There are many ways to transfer money from Kazakhstan to Russia. When choosing an option, the security and speed of the transaction, the size of the commission, the ease of use are evaluated. Also important is the availability of points of issue of money, because in addition to sending them you still need to receive. Before choosing a translation method, it must be carefully studied to avoid unpleasant consequences.

How to choose the best way to transfer money from Kazakhstan to Russia

Despite the fact that since 1991, the Republic of Kazakhstan and the Russian Federation are two different countries, in some families, after separation, people did not move. In addition to warm family and friendly ties, states maintain strong financial relations. Therefore, the question of how to transfer money from Kazakhstan to Russia is urgent.

There are a lot of transaction methods, and when choosing them, you should focus on the following:

1. Translation Security.
2. Transaction rate.
3. The size of the commission.
4. The presence of hidden additional costs.
5. Advantage of the convector.

E-wallets

Many people use the electronic payment system. It is quite suitable for transferring money from Kazakhstan to Russia. The main condition is that the sender has a wallet. The method is reliable, but expensive:

• "Yandex money". Use is beneficial only if the transaction is carried out between internal wallets in the same currency. When transferring funds to a card, you must convert the tenge into rubles. Moreover, the course is profitable exclusively for the system. Commission is charged in the amount of 3% + 255 tenge. Money will go to the card for three days.
• Webmoney. The wallet has a disadvantageous convector. Commission fee will be 2.5% + 255 tenge. Transfer is carried out within 24 hours.
• Qiwi. Simple and intuitive interface, even a person far from the intricacies of financial transactions will easily transfer money. There is the possibility of a transaction on a mobile phone. Cons: if the owner of the wallet does not use it for six months, 57 tenge per day is debited.

Sberbank is a reliable way to transfer money

In Kazakhstan, Sberbank of Russia PJSC has more than 36 subsidiary banks. Branches are located in such large cities as Almaty, Karaganda, Aktau, Kostanay, Astana. It is possible to transfer money from Kazakhstan to Russia through Sberbank using Western Union, BLITZ, as well as Fast Mail.

The “BLITZ” system is considered the most popular, as it has a number of undeniable advantages:

1. It has more than 100 units in Kazakhstan and over 9000 in Russia. The most accurate information can be obtained from Sberbank of both the Republic of Kazakhstan and the Russian Federation.
2. You can transfer money without specifying the branch of the recipient. Transactions are accepted by the system and are already distributed internally to the desired branch.
3. Sberbank's advertising slogan “The recipient will receive a transfer within an hour” is reliable.

The BLITZ system also has disadvantages:

• Remuneration for the transfer is paid by both the sender and the recipient. If you want the recipient to receive a specific amount, then you need to take into account the commission on both sides.
• In case of cancellation of the transfer, interest will not be returned Moreover, additional fees are charged for this service.
• A transfer to a current account can only be obtained at a branch of Sberbank, and they do not work on weekends and holidays.

National Payment Systems

Money transfers to or from Kazakhstan can be made through international payment systems.Advertising claims that a transaction through Western Union or the Golden Crown is extremely profitable and does not lie. Systems have other advantages:

1. No need to open an account or get a card.
2. For the transaction you only need a passport.
3. Commission fee of 1%.
4. Favorable domestic exchange rate.
5. Speed ​​is 15-30 minutes.

The disadvantage is that it is somewhat problematic to find the point of receipt and disbursement of funds, and in the "Western Union" the form for the transfer must be completed independently. In the event of a data entry error, the responsibility lies with the sender.

SWIFT translation

SWIFT is an international interbank communication channel. The system unites more than 11 thousand of the largest financial organizations from more than 200 countries. Major banks of Kazakhstan and Russia also work with this system.

To transfer money from the Kyrgyz Republic to the Russian Federation, you need to find a financial institution, which is a member of SWIFT. Such information can be obtained on the official website of the bank you like. Well established "BTA Bank", Kazkommertsbank.

Money during the SWIFT transfer is credited to the card or current account, so you must first open it. To carry out a transaction, for example, from BTA Bank to Sberbank, you must do the following:

• Get a card or open a current account in a Kazakh bank. Despite the fact that a financial institution can transfer without them, their presence will not be superfluous.
• Provide all the details of the recipient.

Sberbank data can be obtained when opening a card or current account or printed independently through your personal account. Details for the transfer:

1. SWIFT code of the Sberbank branch in which the beneficiary's account is opened.
2. Full name of the addressee, including middle name.
3. Account number.
4. The full name of the branch of Sberbank to which the recipient is attached.

Additional details (BIC, correspondent account), as a rule, appear automatically when you enter the name of the necessary financial institution of the addressee.

Not quite a familiar postal order

Despite the large selection of ways to transfer funds, mail is still relevant. Kazpost and Russian Post have two very important advantages:

• Kazakhstan Post has about 3,400 branches throughout the country, and Russian Post has 43,000 branches throughout the Russian Federation. You can send and receive money even in the most remote corners of both states.
• Employees of liaison offices often encounter older people and patiently and clearly explain the features of the transaction.

There are several options for how to transfer money from Kazakhstan to Russia through the mail:

1. Urgent transactions. Delivery speed is about 30 minutes. Transfers are addressless; you can receive money at any branch of the Russian Post with a passport. Commission fee - 2.5%, but not less than 200 tenge.
2. Electronic transfers. It is better if the address matches the place of registration of the recipient. The transaction speed is one hour, and for remote branches - up to three business days. Commission is charged at a rate of 5% (minimum 300 tenge).
3. A typical postal order takes about three weeks. Commission 5%.

Possible difficulties

When transferring funds, one should know not only how much money goes from Kazakhstan to Russia, but also some subtleties of the currency legislation of the Republic of Kazakhstan. This will help to avoid various unforeseen difficulties and in some cases will save time. All currency transactions must be performed if the resident has the following documents:

• internal passport;
• taxpayer registration number (analogous to the Russian TIN);
• currency agreement;
• certificate of registration.

Kazakhstan legislation regarding foreign exchange transactions is subject to change. Tracking changes will help you quickly and easily transfer funds to Russia.

Precautionary measures

Any financial manipulation is associated with risk.The main criterion for choosing how to transfer money from Kazakhstan to Russia is security. Each transaction system takes maximum precautions against all participants, and above all, itself.

It must be remembered that a financial organization only deals with the delivery of funds from one point to another, for which it is not responsible. To minimize the likelihood of losing money, you should listen to the following recommendations:

1. Exercise utmost care when completing the translation form graph. When writing details, especially numbers, you should check several times.
2. If the method implies that the addressee must receive the money in cash, then before sending it should be clarified whether there is a service point at the transaction endpoint.
3. Do not provide additional information necessary for the transfer (confirmation code, transaction number) to unauthorized persons.
4. All emerging issues must be resolved before sending money.
5. Keep all documentation confirming that the financial institution transferred funds for remuneration (checks, agreement).

Conclusion

In order to transfer money from Kazakhstan to Russia, it is not necessary to use the services of banks in Kazakhstan. You can send funds to relatives and friends in many ways. When choosing, it is necessary to consider not only the security of the transaction, but also the profitability and speed of the operation.