Each of us at least once in a life has been faced with the need to transfer money to someone or receive a money transfer from someone. The first solution that comes to mind and turns out to be the most convenient is bank transfer. It allows you to quickly and, most importantly, reliably send money to another person. Moreover, it is very important for the bank through which the transfer is made to have an extensive network of branches and ATMs. This fact determines how quickly and easily the recipient will receive the money.
Domestic money transfer
In our country, Sberbank is the bank whose offices can be found on any corner. He offers his clients various types of bank transfers (depending on the timing, goals and availability of an open bank account). In Russia, Sberbank offers a bank transfer in two ways:
- on a deposit from a person’s account;
- without opening an account.
In the first case, you can transfer both rubles and foreign currency. In the second - only rubles. Each method has its advantages. So, the second is convenient when you need to quickly send some amount, and there is no time for other procedures.
A relatively new type of transfers in the country and in neighboring countries is the "BLITZ-translation". It will allow you to deliver money to the recipient with lightning speed. It will take about an hour. And the money will be available to people in another part of the country. To make such a transfer, you will need your passport and passport details of the recipient. Then do not forget to tell the person to whom the money was transferred the control number, which is the key to receiving the funds.
The cost of the transfer is 1.75 percent of its amount, but cannot exceed 3000 rubles.
Money Transfer Abroad
There are situations when money needs to be sent abroad. For example, someone from a family suddenly runs out of money, the child is studying abroad or some unforeseen circumstances have occurred . In this case, a bank transfer abroad will come to the rescue, which can also be done through Sberbank.
It can be urgent (if money is needed as soon as possible) or ordinary. The first, of course, is more expensive, but it will allow you to get money just a day after the receipt of the transfer application. In addition to information about the individual to whom the funds are intended, it will be necessary to indicate information about the beneficiary bank, its swift code and the purpose of the transfer. By the way, it is this code that allows you to make the "money cycle" around the world.
What determines the "price" of a translation?
Separately, it is worth noting that the commission for transferring money through Sberbank depends solely on the type of transaction, and not, say, on the type of card or customer account. The cost of the operation is affected by its urgency, as well as the place of the transaction. So, a transfer via the Internet or self-service devices will be somewhat cheaper than the same operation in the department.
Within a bank, a transfer will cost less than sending money to an account opened with other banks. You need to pay attention to these points in order to reduce your expenses, and sometimes save time.
Whichever of these methods you choose, a bank transfer will solve the problem of delivering funds with maximum comfort, quickly and reliably.