Western Union is an international money transfer system that has established itself as a reliable and safe market participant. The American company provides financial services through agents in other countries. Read more about how to get Western Union translation in Russia and Ukraine, read on.
A bit of history
Western Union was founded in 1851 by a group of businessmen from New York. At first, the management was engaged in the redemption of bankrupt telegraph stations, combining them into one network. In 1860, the company won a tender to create a transcontinental 2000-mile line. In 1866, the system was connected to the stock market. The first money transfer was made in 1871. This segment will become the main specialization of the company in subsequent years of development. In 1914, debit cards appeared. In 1920, the first transatlantic transmission of photo images was carried out. Since 1981, the company entered the international market and now provides funds transfer services in all countries of the world. Money can be sent through the system even to a neighboring city.
Options
There are several ways to receive a Western Union transfer and send funds:
1. At the bank office. To complete the transaction, you must provide a passport, beneficiary data or transfer number.
2. CreditEuropBank customers can credit and send funds through their “native” ATM.
3. How to get a Western Union transfer in Russia without leaving your home? Take advantage of online banking. Remotely, such a service is provided only by one credit institution of the country - Bank Avangard.
4. Send funds even abroad in the amount of not more than 15 thousand rubles. It is possible also through the self-service terminal. In this case, the client does not need a card or passport.
5. How can I get a Western Union translation for someone who does not trust modern technology? At the post office. Funds are issued only in rubles and with a passport.
More about the system
The principle of operation is to assign a unique code to the translation by which the recipient can be identified anywhere in the world. Transfers are instantaneous - funds are available for withdrawal within a few minutes (sometimes hours) after the application is formed.
In fact, the money is paid before they are actually transferred to the bank to the recipient, and then mutual settlements between credit institutions are carried out. The main advantages of the system are the speed of information processing and a wide network of service points.
How to get a Western Union translation?
Transaction conditions are highly dependent on the legislation of a particular country. Firstly, the Central Bank sets limits on domestic and international transfers. Citizenship is also of great importance - for non-residents, the limits are often overstated. The system accepts dollars and euros for transfer, but transactions within the same state are carried out in the national currency. Currency conversion (send rubles, receive euros) will have to pay extra. Tariffs are set separately for each region, but the sender always pays the commission.
Instruction manual
How to get a Western Union transfer in Russia? You must contact one of the branches of the company, provide the operator with the application code, passport, indicate the country of the sender. The transaction fee is paid by the sender. If the amount exceeds the standards established by law, then without opening an account, money will not be transferred.
How to get a Western Union transfer in Sberbank? At the moment, no way. Although the cooperation agreement was signed back in 2011, this service is not yet available. You can place an order at any branches of VTB 24, Alfa-Bank, Gazprombank, MDM, Bank of Moscow, KMB, etc.
How to get Western Union translation in Saransk? If there is no possibility or desire to contact the bank, you can use the services of the “Russian Post”, but provided that the money was sent from abroad. This restriction was introduced to avoid competition with our own services. Russian Post does not accept applications for transfers to CIS countries.
How to get a Western Union transfer in PrivatBank?
The largest Ukrainian bank serves applications through Privat24. It is allowed to deposit funds to an account or card in the WU system or financial institution. To transfer money, you need to select Western Union in the "Transfers" menu, enter the control code, currency, amount received, full name and the country of the sender. After processing the form, the data about the translation will be displayed. The last thing to do is to indicate the account to which the transfer will be credited.
How to send money?
Having figured out how to get money by Western Union transfer, we turn to the question of filling out an application. To send funds through Western Union, you need to contact the service point (bank, company branch, in some countries - the post office). An updated list of items can always be found on the company's website. To apply, you must provide:
- original passport;
- FULL NAME. transfer recipient;
- destination country.
The operator draws up an application for this data. Then it must be paid: in cash or from a card (perhaps a commission for bank services will be charged). If money is transferred between accounts, you will additionally need to provide BIC (bank identification code), IBAN, account number.
The system assigns the application a unique number of 10 digits. It will also be indicated on the shipment receipt.
Additionally, you can arrange the following services:
- translation delivery to the specified address (not available in every country);
- notification of the recipient of the receipt of funds.
Online
You can send funds through the company's website. This feature is available only to registered users. In the "Send money" section, select "Send via the Internet." Then the system will prompt you to fill out a form and choose a transfer method. To confirm the request, an SMS with a password will come to the specified number. Upon completion of the process, the transfer will be assigned a control number (KNDP), which must be reported to the recipient.
The option of filling out an application by phone is also available. But at the same time, funds will be debited from the bank card. You can also transfer money through self-service terminals. Such a service is provided only by Eleksnet in St. Petersburg. When filling out the application, the same details are entered (full name of the recipient, country of destination, amount). KNDP will be indicated in the receipt, which will be printed after the transfer is completed. For new customers, it will also include the Western Union bonus card number. With it, you can get a discount when paying a commission.
How to check the status of the application? The company’s website must be entered in a special form addressee and control number.
Nuances
When filling out an application, it is very important to correctly indicate the full name recipient and country using transcription of Russian words. In case of difficulties, it is better to use the correspondence table of Russian and Latin alphabets. So, in the system “Moscow” it is written as Moskva, “St. Petersburg” as Sankt Peterburg, etc.
Gold card
In 2008, Western Union launched a loyalty program for regular customers. It is based on the introduction of cards, which significantly reduce the processing time and identification of the transfer. After each transaction, bonuses are awarded to the client, which can then be used to pay for services.
Limits
It is prohibited to use the services of the service for commercial or investment purposes. Transfers from Russia are limited to 5 thousand US dollars or the equivalent amount in rubles per day. Non-residents can send up to 225 thousand rubles. For legal entities, a different limit is set - 150 thousand rubles. Transactions are usually carried out without opening an account. The system rules set their limitations: not more than 100 thousand rubles. (3 thousand US dollars).
Force Majeure
According to the management of the company, for the entire period of work there was not a single case when the transfer was not issued. But this does not mean that there are no errors when applying. Such transfers are blocked. You can receive funds by visiting the company branch, providing a passport and KNDP. The most common mistakes:
- incorrectly filled in receiver or sender;
- incorrect KNDP;
- the operator confused the information of the recipient and sender when transmitting information.
Unclaimed transaction is in the system for 4 months. The sender can withdraw it at any time. Then the transfer is transferred to the archive. You can still get the funds back, but the procedure will take much more time. You can withdraw a sent but not yet received transfer. To do this, you must contact the office in which the application was generated, with a copy of the receipt (KNDP) and the original passport. In any circumstances, the application processing fee is not refundable.
Conclusion
Western Union is a convenient and secure system of transfers between individuals. But at the same time quite expensive. Other services fill out online applications without prior registration in the system and charge a lower fee for their services. How to receive a Western Union money transfer? It is enough to contact the local branch of the bank, provide a passport and a unique application number. Funds are issued in cash or transferred to the account.