Where can I get a postal money order? How is postal money transfer carried out? How to send a postal money order

Postal money orders are a convenient way to transfer funds. This method, although a little outdated, is still widely used by citizens. The features of such a service will be discussed in the article.

To complete the Fast and the Furious transfer, you must do the following:

• personally contact the branch providing such transfers;
• present your passport and receive a standard money transfer form for Russian Post;
• fill in the required fields and note that the translation is urgent;
• check that the special form is filled out correctly;
• give the document to the controller and deposit the transfer amount;

The tariff for this transfer is as follows:

The timing of the translation directly depends on its type (domestic or international) and on the chosen technology (addressed or non-addressed).

The following dates are set for addressless technology:

Using address technology, money will be transferred in no more than one hour. If the transfer amount exceeds 100 thousand rubles, then the transfer of funds may take up to 24 hours.

The deadlines for international transfers of Fast and the Furious are as follows:

In this way, clients can transfer cash to a card issued by a Russian banking institution. PR also makes it possible to transfer money to American Express cards, but on condition that they are issued by Russian Standard Bank CJSC.

To process this type of transfer, clients need:

• take an identification document and go to a convenient branch;
• receive and fill out a special form (you must indicate the details of the card to which the money will be transferred);
• hand over all documents and money to the operator;
• receive confirmation of the transaction.

According to this method, the following conditions are established:

• You can only send national currency;
• the amount should not exceed 15 thousand rubles.

For such money transfers, Russian Post sets the following tariffs: :

• 2% of the total transfer amount;
• and additional fee - 60 rubles.

Operation Cyber ​​Money is carried out even in the most remote localities. Payment of funds occurs in a relatively short period of time (they coincide with the terms of transfer from card to card).

Using this service, the sender does not have to deposit funds in cash. He has the opportunity to send money from the card to the post office account. And the latter will independently transfer these funds either to the recipient’s card or issue them in cash.

To send money using this transfer, you must:

• come with your passport to the PR department;
• correctly and legibly fill in all the details of the recipient and sender on the transfer form;
• check the entered data;
• give the money to the cashier along with the form, or transfer it to the bank account of the branch;
• pick up the receipt for the completed transaction.

The translation restrictions are as follows:

• You cannot send more than 500,000 rubles in cash;
• When transferring to the bank account of the branch, it is prohibited to send more than 250,000 rubles.

Money can also be sent to foreign countries. The tariff for the transfer will directly depend on the recipient's country. So, when sending money within Russia, it looks like this:

For international money transfers, PR clients will be charged additional fees of the following amounts:

Restrictions on international “Cyber ​​Money” transfers from PR are as follows:

When making an international transfer, senders can also transfer additional text free of charge. It should not exceed 70 printed characters (including text translation).

The last of the catalog of transfer methods provided by PR is the transfer of funds through the international system Western Union (hereinafter referred to as WU). Transfers are made in Russian rubles throughout Russia and to foreign countries. The advantage of the transfer is that it can be paid within a few minutes after registration.

The procedure for sending a transfer via WU is as follows:

• if there is an identification document, the client must personally contact the branch;
• the postal controller must be informed that the money needs to be transferred via WU;
• receive a special WU form and fill it out in accordance with all the rules;
• check the accuracy and reliability of the information entered;
• submit the form to the controller and deposit the required amount of funds;
• receive a check with a transfer control number;

To receive a WU transfer you must:

• present a passport or other document at the WU branch;
• fill out the WU form, in which you indicate the necessary information about the sender, the expected amount and the control number of the transfer;

After confirming the data, money is paid.

The fee is charged at Western rates only from the sender and in the following amounts:

Today it is impossible to track a money transfer from Russian Post. The company only provides the function of tracking postal items by parcel code, but not money. There is no transfer identification code on the receipt issued at the branch. Therefore, on the official PR website there is no option that allows you to track money transfers from Russian Post. In this case, clients should focus solely on the timing of the transfer of funds for a particular type of transfer.

The only exception to this rule is Western Union transfers. When they are issued, a control number is still issued. But again, tracking money transfers by mail here is that you need to check the information on the official website of Western Union.

When the transfer arrives at the post office, the postman places a notice in the recipient's mailbox. If the transfer is issued by the sender with home delivery service, the postman will bring the money directly to your home. If the recipient is not at home, the postman will put a notice in the mailbox. To receive a transfer, you need to come to the branch with a notice and identification. The legal representatives of the recipient can receive the translation only upon presentation of a notarized power of attorney.

Express transfers "Fast and Furious" and "Western Union"

Addressless in Russia you can get it at any. The transfer is paid in rubles. A “Forsazh” transfer abroad can be received at one of the issuing points; the transfer is paid in any currency from the list of currencies with which the issuing point works, according to the internal rate of the “Forsazh” system valid on the day the transfer is paid out. A Forsazh address transfer (sent to the recipient at a specific address) can be obtained at the post office to which the address is assigned.

You can also get it from one of the specialized ones; the transfer is issued in rubles. Abroad, the transfer can be received at one of the issuing points in the destination country. Money is issued in any currency from the list of currencies with which the payment point works, according to the internal rate of the Western Union system, which is the default rate on the day of payment of the transfer. The sender has the opportunity to fix the exchange rate at the time of sending the transfer.

To receive an express transfer "Forsazh" and a "Western Union" transfer, you need to provide the control number, which is communicated to the sender at the time of processing the transfer, and present an identity card

There are situations when you need to send money to a person who does not have access to an ATM or for whom it is too unprofitable to send money by bank transfer. In such cases, a postal money transfer by Russian Post will come in handy. The article provides conditions and options for carrying out this operation.

Transferring money by Russian Post is a fairly popular method of transferring funds, available to both individuals and legal entities. Using it, you can make payments both in cash and non-cash, and send money not only to any region of Russia, but also to neighboring countries - Belarus, Kazakhstan, Ukraine and others.

You can transfer money using mail directly - that is, send it to a specific branch or point of issue, or without an address - so that the recipient picks up the money from the post office to which he is attached. The minimum amount of money transfer is not limited, and the maximum depends on the final destination.

In total, you can send 3 types of cash payments through Russian Post:

• Express translation of "Fast and Furious". Only for individuals.
• Regular postal transfer. Can be used by both individuals and legal entities. It is possible to deliver cash to your home.
• Western Union shipments. Only for individuals. Can only be shipped overseas.

You can send a short text message (up to 70 characters) along with your finances. Additionally, you can order a notification of delivery of funds, which has legal force.

To send or receive finance, you only need to have your passport with you. To complete a transaction, you need to come to a Russian Post office, contact an employee and decide on the amount and type of payment. After this, the sender is provided with a special form in which it is necessary to enter information about the recipient and the size of the transaction.

Read also The procedure for tracking a postal money transfer by receipt number

After this, the amount for sending, an additional postage fee, and, if necessary, a fee for additional services are paid, and the sender is provided with a receipt for the transaction completed. You can find out about the cost of transferring money both from the postal employee himself and further in the article.

Using the Fast and Furious express service, you can transfer amounts up to RUB 300,000. in Russia and up to 150,000 rubles. - abroad. At the same time, for transfers over 100,000 rubles. You must make a request to reserve the amount at the post office where the transfer will be received. The rates for this transfer are as follows:

1. For address transactions:
   • up to 3 thousand rubles – 150 rub.,
   • from 3 to 7.5 thousand rubles – 300 rub.,
   • from 7.5 thousand rubles – 1.7% of the transfer, but not less than 2,000 rubles.
2. For addressless transfers:
   • up to 3 thousand rubles – 99 rub.,
   • from 3 thousand rubles up to 300,000 rub. – 1.2% of the transfer amount, ranging from 149 to 1000 rubles.
3. For international deductions:
   • up to 150 thousand rubles inclusive - commission 1.8%, but not less than 149 rubles.

In order to order “Fast and Furious” to the recipient’s home, you will have to pay the cost of the service separately - 1.77% of the transaction amount, but not less than 29.5 rubles.

You can send up to 500,000 rubles by regular postal transfer. cash, up to RUB 250,000. – by non-cash transfer, up to 120,000 rubles. – with home delivery. These tariffs apply only to transactions within the country; for foreign shipments, limits must be clarified separately. The postage fee can range from 80 to 290 rubles. + 1.5% -5% of its size, depending on the region.

Tariffs for Western Union money transfers are set individually, depending on the size of the amount and the country of the recipient. In addition, for this method of sending money there is a bonus system that allows you to receive a discount on items.

Read also Data needed for Western Union transfer

Electronic transfers

Electronic financial transfers allow for quick settlements between individuals, transferring funds to the recipient's current account. They are carried out similarly to regular shipments, only when filling out a form with information about the recipient, it is necessary to indicate the details of his account. The most convenient way to send money abroad is electronically.

Russian Post allows you to carry out non-cash transactions from one card to another within the country and abroad. In this case, the sender must have a bank card of the VISA or MasterCard payment system, and the type of system of the recipient does not matter.

Sending money within the country is carried out in Russian currency - rubles, ranging from 1,500 to 50,000 rubles. You can transfer money abroad in dollars and euros, the maximum delivery amount is $2,500.

The percentage for sending this way is as follows:

• when transferring within the country - 65 rubles. or 1.8%;
• when sending in rubles abroad – 140 rubles. or 2.8%;
• when transferring in dollars – 5 USD or 2.8%;
• when transferring to euros – 4 EUR or 2.8%.

The transfer is carried out electronically, from a secure page of the official website of the post office. The service is provided through a partnership with Russian Standard Bank.

The delivery time for a monetary transaction depends on its size and the distance between the regions of the sender and recipient. In addition, how quickly the money will reach its destination depends on the availability of electronic exchange points and the selected type of delivery. However, Russian Post has maximum deadlines defined for each transaction situation.

Delivery times, if the OPS has an electronic exchange point:

• up to 100 thousand rubles - 2 days;
• from 100 thousand rubles - 3 days;
• when transferring to a current account – 3 days.

Postal money orders became one of the first opportunities for the population to quickly transfer funds to any corner of the country without a personal meeting. Despite the advent of electronic systems, this service remains in demand due to its availability even in the most remote settlements and additional services.

About translations

Money transfer is a service in which the operator transfers money from the sender to the recipient, charging a certain commission for its services. The oldest money transfer operators are postal services.

Money transfers by mail first appeared in the Russian Empire in 1781. For a long time they were not widespread due to the high risks and the large territory of the country. The service received further development only in the 19th century.

In August 1869, two postal points located in the Ryazan region organized the transfer of money between themselves on the basis of “transfer notes”. The maximum transfer allowed was 300 rubles.

Already in the same 1869, the postal service banned money transfers. It existed until 1896, when a government department took over these operations.

Initially, in Soviet times, stamps were used to pay for postal orders and were affixed to a special form. Later, this practice was abandoned, switching to cash payments.

Modern money transfers began to develop in Russia and other countries of the former USSR began to develop in the late 80s - early 90s. At this time, the first independent service operators appeared.

The post office, unwilling to give up its profitable service, was forced to switch to modern technologies such as electronic transfer. This made it possible to significantly reduce the time of cash flow.

Kinds

Russia's large territory has led to a situation where post offices are virtually the only way to receive most important financial services, including money transfers.

Taking into account the wide network of branches, FSUE Russian Post has developed an assortment of many money transfer services, differing in tariffs and delivery times:

• classic postal transfers;
• electronic transfers within the Russian Federation, to the Baltic countries and the CIS through the CyberMoney system;
• urgent money transfers “Forsazh”;
• transfers via Western Union;
• transfers to pay for goods sent by cash on delivery.

The classic translation service is currently practically not used, although it is available at all Russian Post service points. Its departure from the market is associated with long payment processing times and low security.

Classical transfers have been replaced by electronic technologies, which have significantly reduced the time it takes to deliver items from sender to recipient. This service is available for sending money to most settlements in Russia, the CIS and Baltic countries.

In a situation where the speed of delivery of a money transfer is a decisive factor, the postal operator is ready to offer money transfers through the Forsazh system.

International transfers to most countries around the world can also be completed very quickly thanks to the presence of Western Union service points in most post offices.

Cash on delivery transfers deserve special attention. In this case, the recipient of the parcel contributes funds towards its payment only when the item is picked up at the post office.

How long does it take for a money transfer by mail?

Many residents of the former USSR remember that money transfers went through post offices for quite a long time. There were often cases of lost shipments. But by the 2000s the situation had changed a lot. But the question “How long does it take for a money transfer by mail?” still relevant.

Classic shipments take the longest due to the need to physically deliver papers from one branch to another.

Currently, this technology has been almost completely abandoned in favor of electronic transfers, which are divided into four categories:

• CyberMoney within the Russian Federation;
• CyberMoney to the CIS and Baltic countries;
• according to the Fast and Furious system;
• via Western Union.

Electronic transfers via the CyberMoney system take on average 2 days. In some situations this period may be extended. For example, when making a transfer in the amount of 100,000 rubles or more, you will often have to wait an additional day.

The maximum period for completing a transaction for the CyberMoney system is 8 working days and depends on the equipment of the post office.

If there is no time to wait and you need to make a transfer within the Russian Federation or some foreign countries, then it is better to use the Forsazh system. In most cases, the money will reach the recipient within 1 hour and only sometimes you will have to wait up to 2 business days.

If the desired country is not on the list of those served by Russian Post partners, then it is possible to use the services of the Western Union system, which delivers transfers around the world in a few minutes.

Table. Translation deadlines, depending on the type.

Video: How to forward

Procedure and conditions for receiving and sending

A client wishing to send a transfer must contact a post office employee and ask for a form for the selected type of item.

Typically the form contains the following information:

• Full name of the sender and recipient;
• recipient's address if the transfer is addressed;
• contact numbers of the client and recipient;
• transfer amount.

The completed form is handed over to an employee of the Russian Post for verification, after which a document proving the identity of the sender may be required. At the last stage, all that remains is to pay the commission and the transfer amount.

Upon receipt, the client gives the transfer number and its amount to the branch employee. In this case, personal identification using a document is mandatory.

It is worth knowing that Russian Post has an additional service of delivering the transfer to the recipient's address. There is a separate fee for this, and the delivery time may increase by 1-2 business days.

If the sender wishes to change the recipient of the transfer or cancel it completely, he should contact the place of registration with a passport or other identification document. In this case, the commission for services may be withheld by the operator.

An important condition is the limitation on maximum amounts. It varies depending on the selected system. We provide a table with detailed information on restrictions on the maximum transfer amount.

Not only individuals, but also legal entities can send and receive a transfer. This distinguishes Russian Post from other operators of similar services. It is also possible to arrange a shipment through QIWI or the website of the Federal State Unitary Enterprise "Russian Post".

Documentation

Clients wishing to send or receive a transfer must provide the operator with a passport or other identification document. If this is not done, the service may be denied.

Rates

The tariffs offered by Russian Post cannot be called cheap. In most cases, they are comparable to the cost of transfers from large international operators. We have to put up with these circumstances.

The transfer depends on the chosen direction, amount and selected service. A regular transfer through CyberMoney within the Russian Federation will cost 1.5-5% of the amount plus a fixed part, which ranges from 70 to 280 rubles.

The cost of a transfer through the Forsazh system will be from 1.2% to 1.8%, depending on the direction and amount. In this case, the minimum payment will be 99-149 rubles. Western Union transfers cost on average 1-2% of the amount.

Table. The cost of transfers via Russian Post depends on the chosen system.

How to check

The client who has sent the transfer is given the opportunity to check its status. To do this, he is given a tracking number printed on the receipt. It must be entered in the specialized section of the website “Tracking Postal Items”.

For Western Union shipments, there is also a transfer control number, by which you can check its status, but already on the system website.

Advantages

The main advantage of postal items is the ability to deliver to almost any locality. This is what makes customers put up with extended delivery times and increased commissions.

Another advantage will be the possibility of targeted delivery of the item. This is especially convenient if the transfer is sent to elderly relatives who find it difficult to get to the post office on their own.

Despite the emergence of numerous money transfer services, the service from Russian Post remains one of the most popular.

This is due to a wide network of branches and the availability of services for a wide variety of categories of the population.

If you need to transfer money using the services of Russian Post, you should first familiarize yourself with the proposed types of money transfers and the conditions for their implementation. You also definitely need to find out how long a money transfer via Russian Post takes, especially if time plays an important role.

In total, the post office offers you several options for making a translation:

• express translation "Fast and Furious"— it can only be used by individuals. Transfers are made within the country. They are also sent to neighboring countries. Here you don’t need to find out how much a postal money order goes by Russian Post, because it is carried out instantly. Within the country, you can receive up to 500,000 rubles with such a transfer; only up to 150,000 rubles are transferred to foreign countries;
• Postal transfer– it is targeted. This means that it is delivered to a specific post office. The service is available for individuals and legal entities. You can transfer money in cash or by non-cash method. You can even arrange for the translation to be delivered directly to your home address. We’ll look at how long it takes for a money transfer to be sent by mail this way a little later;
• Western Union transfer– Suitable for individuals only. It is not carried out for commercial purposes. You can transfer money both within the country and abroad. The maximum amount is 375,000 rubles. If you are interested in how much a money transfer via mail takes in this way, then it delivered to the recipient almost instantly.

As for a regular postal transfer, the delivery time for funds can vary quite widely.

For example, if the payment center for receiving or paying a money transfer is an electronic exchange point, then the transferred funds can be received within 3 business days. The period is calculated from the moment the money is received from the sender. This is the maximum period, so the procedure usually happens much faster.

If you are wondering how many days it takes for a money transfer by mail, if the OPS are not electronic exchange points, then the longest period will be increased to 6 days.

Note! The timing of money transfers will also depend on the option of sending/receiving money. The following directions are possible:

• acceptance and payment of money in cash;
• receiving money into a post office bank account, paying the addressee in cash;
• receiving cash from the sender, payment to the bank account of the person to whom the money was intended.

Of course, if the options for depositing and receiving funds are different, then post office employees will need more time to complete the postal transfer due to certain formalities. That is why, in order to speed up the transfer, it is better to try to deposit money using the same method as you will receive it.

You can learn more about all the intricacies of money transfers, tariffs, commissions and deadlines for their implementation directly at the post office. Here they will help you determine the most suitable option for a particular case.