Payment systems are in great demand in the market. Through Contact, WesternUnion or MoneyGram, people receive and send transfers to any country in the world. More than 22 years ago, a new player appeared - the Golden Crown. A small commission, fast transaction speed, a wide network of branches - this is a short list of the advantages of the system. Read more about how to make money transfers "Golden Crown", read on.
Story
Initially, the “Golden Crown” was positioned on the market under the brand of Russian plastic cards. Over 10 years of operation, the system has constantly increased technological, operational capabilities and the number of partner banks serving cards. In 2003, a new service was introduced - money transfers "Golden Crown". In 2013, the system became socially significant. The amount of transfers per year exceeds 400 billion rubles. The network includes 500 banks and 41 thousand service points operating in Russia, Ukraine and other CIS countries.
Transactions
The system works without opening an account. Funds can be transferred in rubles, dollars and euros. The commission depends on the amount and country of the recipient. The tariff grid has two features. Firstly, the cost of the service is the lowest in the CIS market of instant addressless transfers. Moreover, at one time it was the dumping of the Golden Crown that contributed to lower prices. Secondly, system tariffs are advisory in nature. The cost of a transfer in the same country may vary depending on the bank. In general, tariffs range from 0.5-1.6% of the amount. In some regions there are restrictions on the maximum amount of commission. That is, sending large transfers is more profitable.
Limits are set taking into account currency laws and system requirements. Today in Russia they amount to 599 thousand rubles, 20 000 dollars, 15 thousand euros. But there is an internal limitation. For 24 hours, a resident will not be able to send to another country an amount that exceeds the equivalent of $ 5,000 through the Golden Crown system. The bank simply will not hold money transfers.
Process
To send or receive payment, you should contact the service center with a passport and money. In Moscow, for example, you can turn to Rublevskoe highway, 11, building 2 or st. Professional, 5c, and in St. Petersburg - on the street. Hospital, 4 or Bolshevikov Avenue, 32, building 1a. In any large (and not so) cities there are plenty of service points.
Transfers are made on request. You must specify the name, city, country and pay for the operation. The exact address is not required, because the recipient will choose the service point. He only needs to tell the transfer number from the check.
During the operation, branch employees will offer to issue a card of the same name. With it, you can send payments through self-service kiosks. The latter work like other terminals. Need to:
- insert a card;
- enter pin code;
- select a recipient from the list of regions;
- indicate the currency of the transfer;
- enter cash (rubles);
- confirm the transaction;
- print a check with the transfer number.
The card greatly speeds up the application process. The information from the plastic card does not have to be re-entered on the receipt.
Informing
Zolotaya Korona money transfers in Moscow or any other city can be executed on the basis of the notification of the recipient about the transaction. To do this, in the application form should indicate the phone numbers of the sender and recipient. Messages are convenient in that they immediately indicate the transaction number. There is no need to memorize or record it again.
Receiving funds
Transactions are addressless. You can receive a money transfer “Golden Crown” at any point of delivery of the specified city. It is only necessary to provide the operator with the application number and passport. Legislative acts of the country may additionally stipulate other documents required to complete the operation. You can check the status of the operation on the website of the system itself using the transaction control number.
The Zolotaya Korona system works online (money transfers). Addresses of branches and partners can not even be looked for. Instead, apply for a "Corn" card and credit funds to it.
More about the map
To apply for plastic, you need to provide a passport and 100 rubles. This amount is immediately credited to the account. Registration in the system takes a maximum of three minutes. Upon its completion, the owner of the plastic can draw up the Golden Crown money transfers, accumulate bonuses, pay for goods and services of utilities via the Internet. For the convenience of users, a personal account has been created on the system’s website. To access it, you must specify the barcode of the card and the date of birth. Password is sent as SMS.
A card can be paid outside of Russia. To confirm the transaction, you only need to sign on the check. But you should not store a large amount of funds in the account. The card is not registered. Therefore, if it is lost, fraudsters can use the money. With this plastic, the Golden Crown money transfers can be sent in cash or through an electronic wallet.
System benefits
1. The speed. The amount of funds is available for withdrawal immediately after assigning the number. But you should consider the mode of operation of the points of issue.
2. Convenience. Since the transactions are addressless, only the country and city are required to send the payment. The customer selects the pick-up point himself. Data can be adjusted if the payment is processed but not paid. Changes to applications may only be made by branch employees.
3. Notifications. Through the site or via SMS, you can track the status of the application. Upon completion of the processing, the parties to the transaction receive a corresponding message. For comparison, Western Union charges an additional fee for this service, and UNISTREAM users have to notify the recipient at all on their own.
4. Simplicity. Although transfer limits without opening an account, although legislatively limited, are generally quite high.
5. Reliability. Payment is stored in the system for 60 days.
Golden Crown in Ukraine
Money transfer through the Golden Crown has been operating since 2006 and is not inferior in popularity to Western Union. Restrictions on the amount of the operation are 16 thousand UAH or the equivalent in foreign currency. The legislative limit is 49.99 thousand UAH. Residents of Ukraine also have access to a card for frequent transfers. You can issue it through a partner bank. The tariff for payments to the CIS countries ranges from 0.5-1%, to other destinations - 1.5%. The fastest transactions are through Privatbank. In addition to a developed network of branches, a credit institution makes it possible to receive and send transfers without leaving your home through Privat24. The procedure takes 2-3 minutes, funds are credited to the card instantly.
Conclusion
The Golden Crown is a system of addressless instant money transfers. Its main advantages: a small commission, high limits, a wide network of branches. An application can be made through a partner bank or online through the payment system website.