Money Graham payment system. Where to receive money transfers manigrams. Money transfers MoneyGram

MoneyGram company provides cross-border money transfer services. It is noteworthy that the transfer of funds is carried out by this structure without clients using bank accounts. All procedures are very simple and clear. The client - the sender of the transfer or the recipient of the money - visits the nearest processing point. Confirms his own identity by presenting the appropriate document. Provides the operator with basic information about the financial transaction. Key moment– transmission and receipt of control number. How are money transfers made through Moneygram? The official website of this organization contains detailed information about this, allowing you to find out what MoneyGram is and how this transfer system functions.

Characteristics of the payment system

MoneyGram is a high-quality instant transfer service of American origin. The popularity of this remote payment system is due to the availability of the services provided. The service has won the trust of users and the company’s enormous experience. The MoneyGram payment system was created in the USA. The official year of its foundation was 1940. The structure of the organization became noticeably larger as it developed. In 2012, the Manigram charitable foundation was formed, financing educational projects for children from disadvantaged families.

The largest financial institutions from different countries of the world are key partners of the MoneyGram service. Numerous organizations perform agency functions in relation to this payment system on an ongoing basis. Users of this service often process, send, and receive money through the offices of intermediary structures - official partners Moneygram.

Most of the processing points are located directly in the United States - about forty-seven thousand branches. A significant number of service points are located in the most different countries. Tangible assistance to the work of the Money Graham system is provided largest structures. Authorized representatives of this payment service are the Italian postal service, a group of Spanish banks, a large retail network Albertsons, other organizations. In the CIS member countries there are over thirteen thousand service points - regional representatives of Moneygram.

The structure of MoneyGram activities is organizationally presented on Russian market financial institutions and communication shops that are qualified agents of this payment service. The domestic consumer of the Moneygram company’s services can freely receive money transfers through a number of the largest banks in the Russian Federation. Among such MoneyGram partner banks are Svyaz-Bank, Russian Standard, RaiffeisenBank, UralSib, Sberbank, as well as other organizations in the banking sector.

On the territory of Russia, Moneygram has partners represented by large banking organizations

Points for issuing money transfers carried out through the Money Graham system are evenly located and regularly operate throughout the world. This payment service currently covers two hundred countries. The total number of service points today is three hundred twenty-seven thousand.

Client base financial company Moneygram now has over ten million people living in different parts of the world. Money transfers Money Gram can be easily sent and successfully received without any particular difficulties. It is also necessary to note the constant increase in the number of service offices. The MoneyGram brand is unmistakably recognizable by both loyal users and new customers. Numerous representatives of this payment system are uniquely identified by the presence of the corresponding logo in communication shops, exchange offices, travel agencies, and shops.

Who benefits from translations?

The sending parameters and conditions for receiving Money Gramm are ideal for the following categories of clients - individuals:

1. Students who periodically receive money from relatives.
2. Tourists, travelers who find themselves in difficult circumstances and have an urgent need for money.
3. Migrants who regularly work in other countries, but regularly transfer earnings to their homeland.
4. Other categories of citizens.

Transferring money via MoneyGram: transaction features

The advantages of the payment service from the Moneygram company are highly appreciated by users who regularly send and receive funds through international money transfers. According to many consumers, the following advantages of the instant transfer system deserve special attention:

1. The money transfer is processed fairly quickly by the payment service. The recipient will be able to receive the sent funds at the nearest point of delivery within ten minutes from the moment the transaction was completed. The country of departure and country of destination do not affect the duration of the transaction.
2. There is no link between the money transfer and a specific address. You can pick up the transferred money at any representative office of the system located in the country of destination.
3. Receipt of the transfer is permitted within 90 (ninety) days from the date of its departure.

The remoteness of the sender and recipient countries does not in any way affect the possibility and timing of remote funds transfer. Money can be freely sent to where there is a service point of the system. It will not be possible to carry out such a transfer within the Russian Federation, since MoneyGram does not have the appropriate registration - it is not a Russian payment system.

No need to use any bank details when registering and making a money transfer through Moneygram. Accordingly, there is no need to enter into an agreement with the bank to open a current or card account.

All transactions performed are reliably protected by legislation regulating the protection of bank secrecy.

Unauthorized access of third parties to confidential data is excluded. It is allowed to accompany the sent money transfer with a short text message (maximum ten words).

When sending money through Moneygram, you need to carefully study the rules and restrictions

Rules and restrictions

There is a certain set general rules, which any transfer made through Moneygram must comply with. How to get money using this payment service?

Agency organizations that regularly provide remote service monetary transactions, take into account a number of important requirements:

1. Russian jurisdiction provides for certain limits on the amount of transfers made. Each resident of the Russian Federation has the opportunity to send a maximum of 5,000 (five thousand) American dollars (USD) in one day. For a non-resident, the daily amount of the transferred transfer cannot exceed 10 (ten) thousand USD.
2. Money transfers are sent from the Russian Federation exclusively in USD. The transferred funds can be withdrawn in USD or Euro (EUR). You can exchange currency through the cash desk of any Russian bank.
3. The translation service is paid. The amount of commission varies greatly depending on the recipient’s country. The transfer fee is taken into account in the amount of the transferred transfer or accrued above it. The system service is paid directly by the sender.
4. Additional payments by the service provider are not deducted from the client.
5. Service is carried out on the basis of the consumer's presentation of a civil passport or, as an option, a foreign passport. A non-resident of the Russian Federation presents a foreign passport and a document certifying the legality of the subject’s stay on Russian territory (for example, a visa).

Some customers, however, note certain disadvantages of the MoneyGram payment service. Most often, consumers point to the following negative aspects:

1. The service – sending and receiving funds – is provided exclusively to individuals. It is not permitted to make transfers for business and entrepreneurial purposes.
2. The sender is obliged to provide the agent with information about the currency (monetary unit) of receipt.
3. If the transfer is sent to countries where USD or EUR are not used, the recipient will lose a certain percentage on currency conversion.

To send or receive money transferred through Moneygram, you need to know certain information

How to use the MoneyGram service: sending, receiving

If the client is individual– intends to send or receive a money transfer, he should visit the nearest payment system service point. In other words, it is necessary to find an organization that acts as an authorized agent of Moneygrams. In the Russian Federation, agency functions in relation to this service can be performed by banks, financial institutions, and communication shops. For example, you can arrange or successfully receive a Money Graham transfer from Sberbank. As is known, this largest bank Russian Federation, which has a huge network of its own offices throughout the country. Thus, finding a service point for the payment system will not be difficult for the sender (recipient).

You can find out the latest information about current agents through the online resource of the payment system or by calling Moneygram customer support. Addresses in Moscow where to receive the sent transfer, what is necessary for this - all this can be found out using the communication channels indicated above. In a similar way, agent addresses in St. Petersburg (St. Petersburg) or any other Russian city are found out.

Sending a transfer

Completing a transaction at a service point involves filling out a special questionnaire by the client, the universal form of which is regulated by the payment service provider company. This form is filled out by both the sender of the transfer and its recipient. It is mandatory to provide the necessary information:

• country of the sender of funds;
• country of the recipient of the money;
• sender's first and last name (in Latin);
• first and last name of the addressee (in Latin characters);
• information from the document provided to verify the identity of the client filling out the questionnaire;
• client's residential address;
• type of professional, labor activity of the consumer;
• the purpose of the transaction being performed (this point is not considered mandatory, although some countries require an indication intended purpose transfer, if its size exceeds 1000 USD);
• control question-answer pair (not indicated for all countries).

Filling out the corresponding application is carried out according to the client document, as well as from the words of the consumer himself. A preliminary check of the correctness of the specified information and the client’s signature on the completed form are of fundamental importance.

If the money transfer was sent from a post office, then the transaction control number will be a necessary detail for the addressee (recipient).

This number consists of eight or eleven digits, is generated upon confirmation of payment for the ordered service, and is issued directly to the sender. At the specific point of issue of the money sent, the control code, the country of receipt of the payment, currency unit, operating amount.

It also happens that the recipient of the funds does not have accurate information about the sender’s name, his surname, and the amount of the transaction. Sometimes errors are made when providing such data. The system allows you to correctly process payments by loading accurate information from the database or indicating a certain percentage of discrepancies.

The agency organization has the right to refuse to provide money to the recipient under the following circumstances:

1. The inaccuracy in the specified transaction amount is more than 10%.
2. The country from which the money was sent is indicated incorrectly. The system will not be able to identify the transaction in such a situation.
3. More than three errors were made when indicating the sender of the money (his first and last name).

when sending money through Moneygram, you need to take into account the commission charged

Commission

As mentioned earlier, for completing a transaction, the system charges the transfer sender a certain fee, the amount of which is predetermined by the following parameters:

1. The amount of money sent. The larger the size of the transfer, the larger the commission will be charged. Usually 3-5% of the amount is charged.
2. Country of the recipient (addressee) of the transferred funds.
3. Place of execution of the transaction (specific service point, banking institution, another organization).

You can also complete a transaction via the Internet using the Moneygram online resource. What does it mean? The sender must have a debit card for this payment card with the amount of the intended transfer and the corresponding percentage. The recipient of the funds will also need a card. A visit to the point of issue will not be necessary for the payment recipient, since the money is credited directly to his card carrier. Owners of WebMoney online wallets can top up their electronic accounts using MoneyGram.

This article will focus on the MoneyGram money transfer system. Let's consider the terms of the transfer, the commission for the service, as well as how to receive and send the transfer.

Let's start with the fact that the MoneyGram money transfer system is suitable for urgently sending money abroad. This transfer is not suitable for sending money to Ukraine.

Transfers are carried out to 190 countries of the world, the execution time is 10 minutes. You can transfer funds in cash in dollars, and receive them in US dollars or Euros.

Maximum transfer amount: Equivalent of 5,000 US dollars for residents, equivalent of 10,000 US dollars for non-residents. As in, there is the possibility of canceling the transfer if the recipient did not receive it in time. The cost of canceling a transfer is free.

Sending a MoneyGram transfer through Sberbank

You will need:

Passport or any other identification document;

The recipient's first and last name in Latin letters.

Your actions:

Contact the company that carries out MoneyGram transfers. You must have your passport with you and know the recipient’s details.
- Provide the employee with the necessary information to complete the transfer.
- If desired, the sender can indicate Security Question for the recipient, in this case, in order to receive the transfer, it will be necessary to provide a response to it.
- Deposit the transfer amount and the commission amount into the bank's cash desk.
- Inform the recipient of the transfer control number assigned to him during registration; it is necessary to receive the transfer.

The main advantage of the international MoneyGram system is the ease of sending and receiving Money– to transfer abroad, it is enough to have a passport with you, as well as know the name and surname of the recipient. Both parties are not required to have current accounts. This approach is very convenient for one-time transfers, for example, when you urgently need to transfer money to a friend or relative located in another country.

The advantage of this system is also its extensive geographic presence - almost 350,000 MoneyGram branches are located in more than 190 countries. Moreover, the stated deadline for completing the application is only 10 minutes.

Sending money is only possible in US dollars, and receiving it is also possible in euros. Free returns of unclaimed transfers are limited to 45 days from the date of the transaction.

The cost of service is quite low and starts from $2 for transfers of less than $100 to the CIS countries and neighboring countries. On average, the commission is 2-3%. Transfers to more distant countries, including China, will cost significantly more - the minimum fee reaches $9, and for transfers of large amounts you can pay more than 5% commission.

How to transfer money through Sberbank

In order to make an international money transfer through the MoneyGram system, you must first select a convenient Sberbank branch where such a service is provided. In the department itself, the following steps must be taken:

1. Make sure once again that such transfers are possible in this branch - unfortunately, the information on the Internet is not always true;
2. present your passport to the responsible employee and provide the details of the transfer recipient;
3. deposit the transfer amount into the cashier and pay the commission;
4. record the transfer control number - without it, the recipient will not be able to receive funds.

To increase the security of the transaction, the sender can come up with a security question that the recipient will need to answer in order to claim the transfer.

The scheme looks quite simple, but obstacles can arise at any stage of the transaction. Thus, despite the high speed of the translation itself, the preparation by a specialist of all the necessary documentation can take a very long time. There are also frequent cases of fraud when using the MoneyGram service through Sberbank, especially since the bank does not bear any financial responsibility for the funds sent. Therefore, it is not worth transferring large amounts in this way - it is better to look for safer alternatives.

Summary

There are different ways to transfer money abroad, and one of the fastest and easiest among them is international system MoneyGram. The easiest way to use its services is through a Sberbank branch, where the transfer can be both sent and received. To carry out the operation, you only need an identity document. The procedure itself may take a long time depending on the qualifications of the bank employee. The risk of losing money due to fraudulent actions on the recipient’s side cannot be excluded.

To give a holiday gift to loved ones, give or receive financial support from relatives located several thousand kilometers away in another country, it is enough to use the Sberbank MoneyGram fast transfer method.

Using this method, money is quickly transferred to 190 countries around the world. The task is simplified by the fact that you can send or receive MoneyGram payments through Sberbank.

In order to use the MoneyGram service there is no need to open an account with Sberbank or other banking organizations neither the sender nor the recipient.

The shipment is accepted at bank branches and received in cash. The commission fee is also paid in cash.

Amount of money transfer sent via PJSC Sberbank, should not exceed:

• 5 thousand US dollars per day in case of sending money by a resident of the country;
• 10 thousand US dollars per one business day when sent by a non-resident.

All operations for sending and receiving MoneyGram funds are carried out only with a passport or other identification document. In cases where sending or receiving money is carried out on behalf of another person, it is necessary to submit a notarized power of attorney.

Important. One of the conditions for this method of payment through Sberbank is that transactions for transferring money should not be related to the business activities of individuals.

Money delivery time is 10 minutes.

Advantages of MoneyGram transfers through Sberbank

The method of sending money through a developed network of Sberbank branches has a number of advantages, including:

1. Speed. Within 10 minutes, the recipient can receive the shipment at the nearest bank branch. The receipt time is limited only by the opening hours of banks in a particular country (it is also worth taking into account the difference in time zones).
2. Simplicity. To make a payment, you do not need to open accounts or cards, just fill out an application.
3. Reliability. All information provided to the client by the bank, as well as the shipment identification number, is strictly confidential.

Besides, modern technologies allow the sender, if necessary, to track his payment to the recipient.

Who is it suitable for?

Situations in life are different, and money is sent for different purposes.

Such shipments are especially in demand for:

1. Labor migrants working in the Russian Federation and sending money to their families living in other countries.
2. Tourists who find themselves in a difficult situation during their vacation or simply decide to spend a little more money than they originally planned.
3. Students who thus receive support from home (or vice versa, help their parents).

Important. Citizens of the Russian Federation and foreign countries, as well as stateless persons, can use MoneyGram services at Sberbank. All of them can freely send and receive transfers at any bank branch where the MoneyGram method is available.

Departure rules

In order to send a money transfer using the MoneyGram method, you must contact the Sberbank branch where this service is provided.

The sender fills out an application form indicating:

• Recipient's full name;
• country of destination;
• currency in which the payment will be made (selected from the options provided by the system);
• transfer amount;
• purpose of departure.

In some cases, a security question and answer must be indicated (for example, when sending money to Nigeria or Zimbabwe).

In addition, when making a transfer, the sender provides information about himself:

• passport details (or sender’s identity card);
• date of birth;
• full address of the place of permanent registration;
• type of activity (selected from the list provided);
• contact number.

The surnames, first names and patronymics of the sender and recipient, as well as the security question and answer, are filled in in Latin letters according to generally accepted writing rules.

When a transfer is processed, it is assigned an individual identification number consisting of 8 digits.

Using this code, the recipient will subsequently pick up their money at the MoneyGram point of issue.

Receiving funds

You can also receive funds sent from another country using the MoneyGram method through Sberbank.

Payment is made when the recipient provides:

• control identification number;
• passport data (or other identification document);
• addresses of the place of permanent registration;
• type of activity;
• contact phone number;
• Taxpayer Identification Number (if known);
• translation purposes.

In addition, the recipient must know:

• Sender's full name;
• country of departure;
• transfer amount and currency.

If all the information provided by the recipient coincides with what the sender wrote in his application, he is paid money at the bank’s cash desk.

In some cases (for example, if several letters in the Latin spelling of the first and last names do not match, but the remaining information is identical), funds are also paid to the recipient.

If some information about the sender is unknown to the recipient, he needs to contact the MoneyGram Customer Support Center in Moscow.

Commission

When sending money using the MoneyGram method, you must pay for the service. The cost of the transfer is set by MoneyGram, and it is the same at any point of sending/receiving.

The size of the commission depends on the country of departure and the amount of transfer.

Thus, when sending an amount up to $100 to Armenia, Belarus, Kazakhstan, Uzbekistan and other CIS countries, as well as to Georgia and Israel, the commission amount will be $2.

The commission for a transfer in the amount of $3000.01 to $5 thousand will be $80, and for a transfer from $5000.01 to $10 thousand - $90.

When sending to foreign countries (with the exception of China and Israel), for a minimum transfer (up to $100), pay a commission of $12; for sending 2500.01 up to 5 thousand $ - 150 $; for sending maximum amount($10 thousand) – $300.

The minimum commission for sending money to China is $9, the maximum is $80.

When paying out money, no commission is charged to the recipient.

Cancellation or return of transfer

Before the transfer amount is paid to the recipient, the sender can cancel the transaction. This method also provides for the return of funds to the sender in the event of non-receipt of the transfer by the other party.

To cancel the operation or return the money, the sender will need to contact the same Sberbank branch where he made the transfer. In this case, he must present:

1. Passport or other identification document.
2. A copy of the application filled out when making the transfer.
3. The identification number assigned to its shipment.

In some cases, to get a refund, it is enough to present only the control number (for example, if the application is lost).

In addition to returning and canceling the operation, the sender makes changes to the transfer data regarding the recipient's full name.

The MoneyGram system has been around for over 70 years. And during this time, the number of its users is constantly growing. Sberbank, in turn, makes the service available to a larger number of residents of the Russian Federation, constantly expanding the number of branches where they provide services for international money transfers.

MoneyGram International is one of the undoubted leaders in modern market money transfers. The company's sphere of influence is not limited only to the USA and Canada, where the brand provides bill payment services, but the company also provides translations financial resources Worldwide. MoneyGram is:

• 345,000 branches, including financial institutions, national postal services;
• 38,000 branches in the CIS;
• 25,000 branches in Russia;
• presence in more than 200 countries in the world.

At the same time, the company does not plan to rest on its successes, continuing to actively develop, creating all the conditions for fast, convenient, and reliable translations.

MoneyGram: where to receive a transfer

There are many companies offering money transfer services on the Russian market. One of the most interesting options is MoneyGram, a company that provides:

• efficiency. Your transfer will be delivered within 10 minutes after it is sent;
• comfort. There are 25,000 MoneyGram branches in Russia, and 345,000 branches worldwide;
• availability. To send a transfer, you only need a passport. The recipient will also only need to present an identification document.

You can receive the transfer at any of the MoneyGram branches by informing the operator of the amount and transfer number.

MoneyGram: money transfers

MoneyGram is one of the leaders in the modern market in the field of money transfers. With MoneyGram you can send money almost anywhere in the world, and for this you do not need a bank account or a bank account, but only a document that proves your identity.

With MoneyGram, money transfers are delivered quickly and easily - ideal for:

• labor migrants sending their earnings home;
• tourists who find themselves in a difficult situation;
• students sending money to their parents (or vice versa, for parents helping their children financially).

MoneyGram: commission

Of course, as with any other money transfer, when transferring money through MoneyGram, the sender pays a commission. The size of the commission depends on many factors:

• from the place where the transfer was sent: this could be a retail chain or a bank branch;
• from the country where the money is sent;
• from the amount you want to transfer.

On the company's official website you will find an online calculator with which you can calculate the commission for each specific case.

Please remember that in addition to the commission directly for the transfer itself, a certain percentage may be charged for currency conversion (conversion is carried out in accordance with the exchange rate set by MoneyGram or its agent).

MoneyGram: tariffs

The first MoneyGram transfer was sent more than half a century ago - in 1940 (this was in the USA, Minneapolis). Today the brand is known all over the world and attracts more and more new customers due to the absence of restrictions in terms of geography of transfers and favorable tariffs. Transfers are made in US dollars, but you can also receive them in euros or even local currency. There are also small pleasant surprises, for example, the ability to accompany the translation with a free message of up to 10 words.

On the official website of the MoneyGram company or on the Sravni.ru resource you will find a lot of interesting and useful information about the features and advantages of working with MoneyGram.