Transferring money between cards and accounts does not cause any problems, but what if the person does not have a card or it is lost / blocked, and he urgently needs money? A way out may be transfers that do not require an account and binding to a specific place. Money transfers Zolotaya Korona are ready to offer their customers quick financial transfers to the addressee with a minimum commission and the ability to receive cash at any point in the specified city.
Shipping terms
The translation procedure is very simple and requires minimal time loss:
- To send a transfer to an individual, you need to know his full name and the city in which he is located.
- The exact address is not needed, the recipient will be able to contact any branch of his settlement. In Russia there are more than 60 thousand.
- The sender will also need to provide a passport.
- After the operation is completed, the addressee reports the transfer number to the recipient.
- You can send money in any currency, but the addressee will be able to receive cash in the one that is convenient for him and used by the system.
- You can transfer funds in one of the points "Golden Crown" or by bank transfer. When sending via a card, a one-time password will be used.
- The commission depends on the selected tariff.
- It is possible to configure sending messages to the addressee and the addressee about the status of the transfer.
Currency of transfers
Currently, Golden Crown departures are available in 34 different countries around the world. Depending on the location of the recipient, funds are available in rubles, dollars and euros. In the case of the Golden Crown payment system, the currency affects the available transfer limit:
- In dollars, you can transfer a maximum of 5 thousand.
- If the choice is stopped at the euro, then the limit will be 4 thousand 999 EUR.
- In rubles, you can send 329,072 rubles.
These are average limits, their size may vary depending on the country of location of the addressee. Also, some of them limit the maximum amount of transfers per day, but the next day you can make a new operation.
The person accepting the Golden Crown money transfer can receive their cash in one of the currencies available to him, even if they were originally sent in another currency.
Benefits
There are many ways to transfer money, one of the most common - using bank cards and accounts. This method is good, but sometimes it requires the transfer of personal information to strangers. Golden Crown money transfers have a number of advantages:
- High speed of sending money to the addressee. They can come to another country in a few minutes.
- Addressless transfer - the recipient will be able to receive money at any point of delivery, choosing the object with the most convenient location.
- Security of transfers - only two people know the payment number.
- In order to receive money from an individual, it is only necessary to inform your name and surname and city.
- Minimum commissions - when compared with other systems of international money sending, the reviews about the Golden Crown are the highest, since it has competitive rates. There are no commission fees at all.
- You can send money to relatives and friends from the card without leaving the house.
- At any stage, the transfer can be tracked through the official website or application.
How to get a transfer?
To receive money through the system, you need to have an identification document with you and know the transfer number. The operator will also request a currency in which the addressee would like to withdraw cash. The recipient will be given exactly the amount that was sent to him, since all commission payments are paid to the addressee.
You can withdraw money at any point of the Golden Crown, without reference. To find the nearest office, you will need to go to the official website of the payment system and see a map. If you indicate your exact location, the site will offer all available options. There you can divide items into those responsible only for sending or receiving. There are offices that carry out both of these procedures at the same time.
Partners
The Golden Crown system covers 34 countries of the world, on their territory there are more than 60 thousand points where you can send and receive transfers. In Russia there are about 2 thousand partner banks of the Golden Crown. Which bank to receive or transfer money to? In any case, if a financial institution is connected to the system, then you can safely go there for a transfer.
You can also perform the operation through leading cellular network operators, such as MTS and Beeline, through points of sale, for example, Maximus, KNOW HOW, Euroset, and Svyaznoy. Holders of "Corn" cards have the opportunity to send payments through the Internet bank.
Repayment of loans online
In addition to transferring money, Zolotaya Korona provides an opportunity for users to repay loans and borrowings through their service. An operation can also be performed in two ways: through a card or through a service point.
- Online payment is carried out through the website or the official application “Repayment of loans”. No documents are required for the operation, just enter the account number, card or contract.
- Some credit organizations will also need to provide the full name of the borrower.
- It is necessary to indicate the active phone number, an SMS code will be sent to it to confirm the action.
- After checking the information you will need to enter the card details: number, expiration date, CVC / CVV code, then click on the "Pay" button.
- If all fields are filled in correctly and the card is active, a one-time password will come to the specified number, it must be entered in a special field.
- To receive an electronic receipt, you must enter the mail address and click on "Send receipt."
The term for crediting funds to a credit account takes up to 3 business days, although most often this happens instantly. In any case, it is recommended to make a payment in advance of the date specified in the contract.
The exact amount of commission may vary, as it depends on the bank that issued the card. In this case, when repaying a loan, money transfer is possible only in rubles, since the operation is carried out only in Russia.
To make subsequent payments, a bank card can be saved, then you do not need to enter its data each time. To do this, you need to log in to the site (you will need to enter the phone number to which the confirmation code will come). Also, after entering your personal account, you can set up a reminder for the following payments. The system will send a notice a few days before the specified date.
Cash loan repayment
If there is no bank card or a person for other reasons does not want to make an online payment, he can deposit money in cash through the cash desk of the Golden Crown. Addresses can be specified on the official website of the system. These are any banks of the Russian Federation, salons of leading mobile operators, a network of stores "Svyaznoy", "Euroset", "Kari". Also, the "Golden Crown" accepts "Russian Post."
For payment through the branch, in addition to the account details, you will need a passport of a citizen of the Russian Federation. You can make a payment not only for your loan, but also pay off the debt of another person. It is also possible to deposit money into an account even while in another city, because the system operates throughout the country.
Money is credited to the credit account within 1-3 days, most often they arrive on the next business day. The commission depends on the issuing bank and the service point, usually it is 1% of the amount, but not less than 50 rubles.
There is no minimum limit on the amount of transfer, but there are restrictions on the maximum limit. It depends on the facility. In any of them you can not make a payment of more than 1 million per month.
Online currency exchange
The site "Golden Crown" also there is the possibility of profitable currency exchange. You can do this without leaving your home:
- To carry out an operation, the card must have dollars or euros. The system converts them online in real time. For operations in dollars there is a limit of 9 thousand, for euros - 8 thousand.
- In the empty field you must enter the desired amount for the exchange.
- After that you will need to indicate your full name, as in your passport, and your current phone number.
- A confirmation code will come to the indicated number, it must be entered in the window that appears.
- Next, the card details are indicated: number, owner name, expiration date, CVC code. An important point: currency exchange can be made only with your own card.
- As soon as the money is written off, an SMS with the operation number will come. It must be retained before being presented at the Golden Crown service point. There are banks participating in the system in different cities of the Russian Federation. For example, Russian Standard Bank CJSC and Otkritie FC Bank OJSC in Moscow, Promsotsbank in Vladivostok, Krona Bank LLC in Yekaterinburg, Donkombank OJSC in Rostov-on-Don, etc.
- The bank should ask for a transfer using the Golden Crown system. The employee will ask for the transaction number, passport and card with which the conversion was carried out.
- Funds are transferred instantly, the payment is kept for 3 years.
Transfer from card to card
Through the system, you can also make a simple transfer from card to card. The operation is possible between any banks in Russia. The recipient then does not have to go to the service point, he will be able to immediately use the money.
For the operation, you must enter all the data of the sender card: number, name, expiration date. In another window, the card number of the recipient is entered. The procedure is confirmed by SMS code, which will come to the addressee's number.
Cash limits: from 1 ruble to 150 thousand rubles. Transfer term: from 1 to 3 days, maybe more (depends on the bank that issued the sender card).
Tariffs
Zolotaya Korona money transfers have the lowest fees, in some cases it will be 0%. When converting at the exchange rate of the system, when sending money in one currency and receiving the addressee in another, transfer commission is not charged.
The commission of the Golden Crown will be 1% of the transfer amount, but not less than 50 rubles. If customers wish to receive a notification via SMS about the status of the operation, the system will take an additional 49 rubles. The same rates are valid for loan repayments. An additional commission may be charged by the bank from whose card payment is made.
Reviews of the Golden Crown
Among the opinions of users of the system there are both positive and negative. This suggests that the work of the payment aggregator has not yet been debugged to the end, the creators need to make adjustments.
Among the positive reviews about the Golden Crown, the most frequent are:
- The minimum amount of commission.
- Profitable currency conversion.
- The ability to make a payment directly from home.
- Convenient and intuitive interface of the site and application when working.
- The user can monitor the status of the transfer online.
- Money can be transferred at any time of the day; there is no need for the sender to adapt to the mode of service points.
But not only positive reviews about the “Golden Crown” are left by people who have experience in interacting with the system. Among the negative, the most common are:
- Delay in payments when repaying loans. Often users note the fact that they have delayed due to the fault of this payment aggregator. It is rather difficult to prove it later.
- Small towns have few service points.
- Employees of some partner banks have poor system skills.
- The lack of currency at the cash desk of small service points makes recipients wait for their transfer for several days.
- Frequent crashes in the software of partners of the Golden Crown system.