In what cases is it possible to transfer funds from a legal entity to an individual? An organization transfers money to an individual: choose the best method A legal entity will ask you to transfer money to an individual

Transfer of money from a legal entity to an individual permitted only in certain situations. These include:

• Lending to citizens, or obtaining a loan.
• Purchasing certain products or services from an individual;
• Payment of wages to an individual.

In other situations, the transfer of funds will not be possible. In this case, there are regulations that regulate the transfer of funds from a legal entity to an ordinary citizen.

Information about loans

Transfer of funds from a legal entity to an individual is possible in the case of a loan or credit. When concluding a contractual relationship, you can only use certain amounts, i.e. follow the limits.

Next, we will present to your attention a cash loan agreement, which may look like this: Those. it contains information about the lender, borrower, the amounts provided for use, the liability of the parties in case of failure to fulfill obligations, the deadline for repaying the debt, etc.

Third parties may issue loans infrequently. After all, such actions may be of interest to special authorities. In order to provide borrowed amounts to citizens, it is necessary to register in the register and with the statistical authorities to carry out economic activities.

Salary as a method of transferring funds

It is possible to transfer certain amounts from a legal entity to an individual when paying wages. As for the basis for carrying out the transaction, it will serve as employment contract.

Legal entities can transfer funds, including to an employee’s bank account. Funds are received only after the citizen completes the work specified in the contract.

We present to your attention an interest-free loan agreement, which includes the data of the recipient and addressee, the subject of the agreement is stated, and the amount is entered (the amount must be indicated in capital letters). Next comes the clause on the obligation, as well as the liability of the parties for failure to fulfill obligations.

A little about legislation

When sending funds to an individual, a legal entity must be aware of certain points by law. It implies combating money laundering and also limits the amount of transfers. Control over the transfer of funds from a legal entity will be carried out when the transfer amount is more than six hundred thousand rubles.

• When is the funds transferred? We indicated the specific amount above.
• When the loan is granted.
• When transactions are carried out with securities that are valuable, and the recipient is not a resident of the country.

If suspicious “maneuvers” are carried out in the banking sector, employees of the organization must report this to the Central Bank. Moreover, users are not notified about notifications to the Central Bank, but there is more careful control over all transfers of funds.

"Tax accounting for an accountant", 2012, N 4

Company accountants are often faced with the need to transfer a certain amount of money to an individual. Moreover, it is desirable to do this in a more profitable way, with the least tax risks. We offer you possible options, with the pros and cons of each.

An individual is not an employee of an organization Pledge as security for obligations

Organization and individual<1>conclude any agreement that does not contradict the Civil Code of the Russian Federation, for example, a property lease agreement, in order to secure obligations under which the organization transfers funds to an individual in the form of collateral.

In case of failure (violation) by the organization of its obligations under the contract, the deposit remains with the individual. It must be borne in mind that the pledge agreement must be concluded in simple written form (Article 339 of the Civil Code of the Russian Federation).

According to tax authorities, in order to take into account the amount of compensation for damage recognized by an organization, it is necessary to have documents confirming its recognition of the fact of non-fulfillment (violation) of its obligations and allowing one to determine the amount of the reimbursed amount, for example, a bilateral act (Letter of the Federal Tax Service for Moscow dated 02.09. 2010 N 20-14/2/092618@).

Pros:

1. the subject of the pledge is funds, therefore the organization does not include the transferred funds in the VAT base (clause 1 of article 146 of the Tax Code of the Russian Federation);
2. income received by an individual in the form of compensation for damage recognized by the organization is not subject to insurance contributions (Part 1, Article 7 of the Federal Law of July 24, 2009 N 212-FZ "On Insurance Contributions to the Pension Fund Russian Federation, Social Insurance Fund of the Russian Federation, Federal Compulsory Medical Insurance Fund", hereinafter referred to as Law N 212-FZ).

Cons:

1. the organization cannot take into account the expenses incurred for profit tax purposes (clause 16 of article 270 of the Tax Code of the Russian Federation);
2. an individual includes the funds received in the personal income tax tax base after the organization declares the impossibility of fulfilling (violating) its obligations under the contract (clauses 1, 3 of Article 210 of the Tax Code of the Russian Federation).

Deposit as security for obligations

An organization and an individual enter into any agreement that does not contradict the Civil Code of the Russian Federation; it can also be a property lease agreement, in order to secure obligations under which the organization transfers funds to the individual in the form of a deposit (the deposit agreement must be concluded in writing - Article 380 of the Civil Code RF). In case of failure (violation) by the organization of its obligations under the contract, the deposit remains with the individual.

Pros:

1. the organization does not include the transferred funds in the VAT base (clause 1 of Article 146 of the Tax Code of the Russian Federation);
2. income received by an individual in the form of a deposit is not subject to insurance premiums (Part 1, Article 7 of Law No. 212-FZ).

Cons:

1. the organization cannot take into account the expenses incurred for profit tax purposes (clause 16 of Article 270 of the Tax Code of the Russian Federation, Letter of the Ministry of Finance of Russia dated January 18, 2008 N 03-03-06/1/12);
2. an individual includes the funds received in the personal income tax tax base after the organization declares the impossibility of fulfilling its obligations under the agreement (clauses 1, 3 of Article 210 of the Tax Code of the Russian Federation, Letter of the Ministry of Finance of Russia dated February 26, 2010 N 03-03-06 /1/93).

Dividends

An individual is the founder of an organization and receives dividends from it based on the results of activities for a period (quarter, year). A citizen's participation in an organization must be recorded in its constituent documents. Moreover, information on the composition of participants and the amount of authorized capital is subject to state registration.

Cons:

1. the individual must be a member of the organization;
2. in order to pay dividends, the organization must make a profit based on the results of the corresponding period (quarter, year);
3. dividends are subject to personal income tax.

Pros:

1. in relation to dividends, a personal income tax rate of 9% is applied (clause 4 of article 224 of the Tax Code of the Russian Federation);
2. income received by an individual in the form of dividends is not subject to insurance premiums (Part 1, Article 7 of Law No. 212-FZ).

Getting a loan

An individual receives a cash loan from an organization. We note that in accordance with Art. 808 of the Civil Code of the Russian Federation, a loan agreement must be concluded in writing.

Pros:

1. in accordance with paragraphs. 15 clause 3 art. 149 of the Tax Code of the Russian Federation, the provision of loans, as well as the accrual of interest on them, is not subject to VAT for the organization;
2. when an individual receives a loan, there is no basis for the assessment of insurance premiums (Part 1, Article 7 of Law No. 212-FZ);
3. on the basis of paragraph 1 of Art. 210 of the Tax Code of the Russian Federation, borrowed funds received are not included in the taxable income of an individual.

Cons:

1. in accordance with paragraph 12 of Art. 270 Tax Code of the Russian Federation amount borrowed funds is not accepted by the organization as part of expenses taken into account in reducing the income tax base. At the same time, on the basis of clause 6 of Art. 250 of the Tax Code of the Russian Federation, an organization includes a fee for the use of borrowed funds, unless the agreement directly stipulates that it is interest-free, in the income tax base. If an individual does not repay the loan, the organization can go to court and collect the debt through legal proceedings.

According to the opinion of the Ministry of Finance of Russia, debt under loan agreements is not doubtful (Letters dated 02/04/2011 N 03-03-06/1/70, dated 05/12/2009 N 03-03-06/1/318). Consequently, even if the loan was not repaid by the borrower, the loan amount cannot be taken into account by the lender as an expense for profit tax purposes according to the rules established by Art. 266 Tax Code of the Russian Federation;

1. if an individual does not repay the loan to the lender, then on the basis of a court decision or upon expiration of the term limitation period it is included in the individual’s personal income tax base as income (clause 1 of article 210 of the Tax Code of the Russian Federation). A personal income tax rate of 13% is applied (clause 1, article 224 of the Tax Code of the Russian Federation);
2. if the interest under the agreement, provided that it is established, is below 2/3 of the current refinancing rate determined by the Bank of Russia on the date of actual receipt of income, the difference is subject to personal income tax, and at a rate of 35% (clause 2 of article 212, clause 2 of art. 224 of the Tax Code of the Russian Federation).

FYI. The date of actual receipt of income in the case of issuing an interest-free loan is the date of return (full or partial) of borrowed funds (clause 3, clause 1, article 223 of the Tax Code of the Russian Federation, Letter of the Federal Tax Service for Moscow dated May 4, 2009 N 20-15/3/043262 @). Thus, if the loan is not repaid in the tax period, income in the form of material benefits from savings on interest does not arise for the individual in the specified tax period.

Renting property of an individual

An individual leases property belonging to him to an organization, for which he receives money.

Pros:

1. with the right documentation the organization will be able to take into account expenses for profit tax purposes (clause 1 of Article 252, clause 10 of clause 1 of Article 264 of the Tax Code of the Russian Federation);
2. income received by an individual under a lease agreement is not subject to insurance premiums (Part 3, Article 7 of Law No. 212-FZ).

Cons:

1. from an individual is withheld and transferred to the personal income tax budget at a rate of 13% (clause 1 of article 224 of the Tax Code of the Russian Federation). At the same time, the tax base for personal income tax can be reduced by the amount of standard deductions provided for in Art. 218 Tax Code of the Russian Federation;
2. Input VAT for an organization in the case of renting property from an individual does not arise due to the fact that an individual who is not an entrepreneur is not recognized as a VAT payer (clause 1 of Article 143 of the Tax Code of the Russian Federation).

Order, commission, agency

An individual acts as a trustee (commission agent, agent) of an organization on the basis of an appropriate agreement, for which he receives money. Let us note that it is advisable to provide for the amount and procedure for calculating the remuneration of the attorney (commission agent, agent), as well as the composition and procedure for reimbursement of expenses for the execution of the order in the contract. Upon execution of the order, the attorney (commission agent, agent) draws up reports (Articles 999, 1008 of the Civil Code of the Russian Federation).

Pros:

1. with proper documentation, an organization can take into account expenses for profit tax purposes (clause 1 of Article 252 of the Tax Code of the Russian Federation);
2. The remuneration of the attorney (commission agent, agent) under the terms of the contract may be small, and the main share of the transferred funds will fall on the expenses incurred by him in executing the contract. Since these expenses are not part of the remuneration of the attorney (commission agent, agent), they are not included by an individual in the tax base for personal income tax (clause 1 of article 210 of the Tax Code of the Russian Federation).

At the same time, with proper documentation, the organization as a principal (committent, principal) will be able to take into account the expenses incurred by the attorney (commission agent, agent) in connection with the execution of the concluded agreement for income tax purposes. And the VAT from them reduces the VAT base.

Cons:

1. from an individual is withheld and transferred to the personal income tax budget at a rate of 13% (clause 1 of article 224 of the Tax Code of the Russian Federation). However, in this situation you can use tax deduction to reduce the tax base for personal income tax, taking into account the provisions of Art. 221 Tax Code of the Russian Federation;
2. according to the Pension Fund of the Russian Federation, the specified payment is included in the base for calculating insurance premiums within the amount of 512 thousand rubles. on a cumulative basis from the beginning of the year (for payments - starting from 01/01/2012) (Part 1, Article 7 of Law No. 212-FZ). But payments under these agreements are not subject to insurance contributions in the part payable to the Federal Social Insurance Fund of the Russian Federation (relevant if, following the position of the Pension Fund of the Russian Federation, remuneration is subject to insurance contributions) (Clause 2, Part 3, Article 9 of Law No. 212-FZ);
3. Input VAT does not arise for an organization in the event of concluding an agreement with an individual due to the fact that an individual who is not an entrepreneur is not recognized as a VAT payer (clause 1 of Article 143 of the Tax Code of the Russian Federation).

Implementation of works and services

An individual performs work (provides services) to an organization, for which he receives money.

Plus:

• with proper documentation, the organization will be able to take into account expenses for profit tax purposes (Clause 1, Article 252, Article 264 of the Tax Code of the Russian Federation).

Cons:

1. from an individual is withheld and transferred to the personal income tax budget at a rate of 13% (clause 1 of article 224 of the Tax Code of the Russian Federation). But in this situation, it is possible to apply a tax deduction to reduce the tax base for personal income tax, taking into account the provisions of Art. 221 Tax Code of the Russian Federation;
2. these payments are included in the base for calculating insurance premiums within the amount of 512 thousand rubles. on a cumulative basis from the beginning of the year (for payments - starting from 01/01/2012) (Part 1, Article 7 of Law No. 212-FZ). At the same time, payments under civil law contracts are not subject to insurance contributions in the part payable to the Federal Social Insurance Fund of the Russian Federation (clause 2, part 3, article 9 of Law No. 212-FZ);
3. Input VAT from an organization in the case of the purchase of work or services from an individual does not arise due to the fact that an individual who is not an entrepreneur is not recognized as a VAT payer (clause 1 of Article 143 of the Tax Code of the Russian Federation).

Sale by an individual of his shares (shares), securities

An individual sells to the organization his shares (shares) belonging to him securities for which he receives money. In this case, a written form of the contract is also required. Changes in the composition of participants when selling shares (shares) are subject to state registration.

Pros:

1. with proper documentation, an organization can take into account expenses for profit tax purposes (Clause 1, Article 252, Articles 277, 280 of the Tax Code of the Russian Federation);
2. an individual’s income from sales is not subject to insurance premiums (Part 3, Article 7 of Law No. 212-FZ).

Cons:

1. income from sales is subject to personal income tax at a rate of 13%. But in this situation, it is possible to apply a tax deduction to reduce the tax base for personal income tax, taking into account the provisions of Art. 220 Tax Code of the Russian Federation;
2. the specified shares (shares), securities are subject to reflection on the organization’s balance sheet;
3. In this case, the organization does not incur input VAT (clause 1 of Article 143, clause 12 of clause 2 of Article 149 of the Tax Code of the Russian Federation).

Sale of property of an individual

An individual sells property belonging to him to an organization, for which he receives money.

Pros:

1. with proper documentation, the organization will be able to take into account expenses for profit tax purposes (clause 1 of Article 252, Article 254, 256 - 259.3, 268 of the Tax Code of the Russian Federation);
2. income received by an individual under a purchase and sale agreement is not subject to insurance premiums (Part 3, Article 7 of Law No. 212-FZ).

Cons:

1. from an individual is withheld and transferred to the personal income tax budget at a rate of 13%. But in this situation, it is possible to apply a tax deduction to reduce the tax base for personal income tax, taking into account the provisions of Art. 220 Tax Code of the Russian Federation;
2. The acquired property must be reflected on the organization's balance sheet. Its presence up to the moment of use (write-off, resale) must be confirmed by inventory data;
3. In this case, the organization does not incur input VAT due to the fact that an individual who is not an entrepreneur is not recognized as a VAT payer (clause 1 of Article 143 of the Tax Code of the Russian Federation).

An individual is an employee of an organization Scholarship under a student agreement

An individual receives funds from an organization on the basis of an apprenticeship agreement for vocational training concluded by the parties. In this case, the citizen may or may not be an employee of the organization.

In accordance with Art. 198 of the Labor Code of the Russian Federation, an organization has the right to conclude an apprenticeship agreement for vocational training with a job seeker. The agreement is concluded in writing. The contract must indicate that the student is required to undergo training, as well as the amount of the scholarship due to him.

Pros:

1. the scholarship is not subject to insurance contributions, since it is not paid within the framework of an employment relationship (Article 7 of Law No. 212-FZ);
2. an organization can take into account the transferred funds as expenses for profit tax purposes (clause 1 of Article 252, clause 19 of part 2 of Article 255, clause 49 of clause 1 of Article 264 of the Tax Code of the Russian Federation).

Minus:

• a scholarship under a student agreement is subject to personal income tax at a rate of 13% (Letters of the Ministry of Finance of Russia dated 05/07/2008 N 03-04-06-01/123, Federal Tax Service of Russia for Moscow dated 03/07/2007 N 28-11/021233, Resolution of the First Arbitration Appeal court dated 05/06/2009 in case No. A38-3841/2008-5-270). In this case, you can apply to it standard deductions in order to reduce the personal income tax base, taking into account the provisions of Art. 218 Tax Code of the Russian Federation.

Compensation payments upon dismissal

Upon dismissal, an individual receives money from the organization on the basis of an employment contract concluded by the parties. Thus, in the event of termination of an employment contract with the head of the organization, his deputies and the chief accountant due to a change in the owner of the organization’s property new owner is obliged to pay compensation to these employees in an amount not less than three average monthly earnings of the employee.

Also, in the event of termination of an employment contract with the head of an organization in accordance with the decision made by the owner, in the absence of guilty actions (inaction) of the manager, he is paid compensation in the amount determined by the employment contract, but not less than three times the average monthly salary. However, the payments made must be provided for in the employment contract with the employee. In addition, the dismissal must be properly documented. Information about the change of manager should be submitted to the registration authority.

Pros:

1. these payments are not subject to insurance premiums (clause “e”, clause 2, part 1, article 9 of Law No. 212-FZ);
2. an organization can take into account the transferred funds as expenses for profit tax purposes (clause 1 of Article 252, clause 25 of Article 255 of the Tax Code of the Russian Federation).

Minus:

• from 01/01/2012, these payments are not subject to personal income tax only within the amount corresponding to the employee’s three-month salary (clause 3 of article 217 of the Tax Code of the Russian Federation). In parts exceeding this size, the specified compensation payments are subject to personal income tax at a rate of 13%. At the same time, standard deductions can be applied to them in order to reduce the personal income tax base, taking into account the provisions of Art. 218 Tax Code of the Russian Federation.

Salary including bonus

An individual receives funds from an organization on the basis of an employment contract concluded by the parties. Please note: payments to the employee must be made on the basis of an employment contract with him.

Plus:

• standard document flow of business transactions. An organization can take into account the transferred funds as expenses for profit tax purposes (Clause 1, Article 252, Article 255 of the Tax Code of the Russian Federation).

Cons:

1. These payments in full are subject to personal income tax at a rate of 13%. At the same time, standard deductions can be applied to them in order to reduce the personal income tax base, taking into account the provisions of Art. 218 Tax Code of the Russian Federation;
2. wages, including bonuses, are subject to insurance contributions up to 512 thousand rubles. on an accrual basis from the beginning of the year (for payments - starting from 01/01/2012) (Part 1, Article 7 of Law No. 212-FZ).

Financial assistance, gift

An individual receives money from an organization free of charge, for example, financial assistance or a gift. Please note that if the documentation is incorrect and/or insufficient, as well as the criteria provided for by the Tax Code of the Russian Federation are not met, any funds received by a citizen may be classified by tax authorities in this category and included in the tax base for personal income tax and insurance contributions. In this case, it does not matter whether the individual is an employee or not.

Plus:

• the quality and completeness of documentation are not particularly important.

Cons:

1. from an individual, funds received are subject to personal income tax at a rate of 13% in an amount exceeding 4,000 rubles. for the tax period (clause 1 of article 224, clause 28 of article 217 of the Tax Code of the Russian Federation, Letter of the Ministry of Finance of Russia dated March 2, 2012 N 03-04-06/9-54). At the same time, standard deductions can be applied to them in order to reduce the personal income tax base, taking into account the provisions of Art. 218 Tax Code of the Russian Federation;
2. if an individual is an employee of an organization, then any funds received by him from the employer are subject to insurance contributions up to 512 thousand rubles. on a cumulative basis from the beginning of the year (for payments - starting from 01/01/2012) (Part 1, Article 7 of Law No. 212-FZ). At the same time, financial assistance to an employee up to 4,000 rubles is excluded from the base for insurance contributions. for the billing period (clause 11, part 1, article 9 of Law No. 212-FZ);
3. the organization cannot take into account the transferred funds as expenses for profit tax purposes (clauses 16, 49, article 270 of the Tax Code of the Russian Federation).

Advantages and disadvantages of various payment methods between legal entities and individuals

N. Bochkareva

tax consultant

Transfer of money from a legal entity to an individual is possible only under the following conditions:

• lending or obtaining a loan;
• purchasing products from an individual providing intermediary services;
• payment of wages to your employee.

Other cost items for this operation are not provided for by regulations, and, if implemented, will be considered illegal.

Loan

A transfer to an individual from a legal entity for the purpose of obtaining a loan or credit is used both for company employees and for third parties. When formalizing contractual relations with your own employees, you can operate with unlimited amounts of money.

Loan agreement from an individual to a legal entity with collateral

However, a loan can be issued to third parties infrequently and not for large sums of money, otherwise it may attract the attention of regulatory authorities, since in order to obtain the right to lend to citizens who are not employees of the company, they must be registered in the register and with the statistical authorities new look economic activity.

Purchase of products and provision of services to a business entity

In order to understand how to transfer money from a legal entity to an individual, you should familiarize yourself with the legislative norms, which should justify the conduct of a financial transaction through the execution of an agreement between the parties to the transaction that has civil legal status.

If the company is a VAT payer, then mandatory payments in the form of taxes and contributions are withheld from the amount of services provided or products supplied. pension fund, which is transferred to the company’s account and included in its expenses.

Wages

An employer who is a business entity with the status of a legal entity is obliged to pay employees (individuals) wages. The basis for the financial transaction is the executed employment contract and the work performed, in accordance with the criteria and requirements of the agreement and job description. Transfer of funds, the purpose of which has the status of salary, can be implemented to the card accounts of employees.

Interest-free loan agreement

Legislative Cautions

The law regulates non-cash transfers from a legal entity to an individual. It stipulates the fight against money laundering and determines the need to control money transfers to the accounts of individuals in situations where their size exceeds the amount of 600,000 rubles.

The following operations are subject to the close attention of bank employees:

• transfer of funds in an amount exceeding the standard value;
• provision of credit;
• conducting transactions with securities that are valuable in a situation where the recipient does not have resident status.

Participants in the transaction must take into account that employees are required to report all suspicious activities in the banking sector to the Central Bank. At the same time, the bank that carried out the transfer of money from a legal entity to an individual is prohibited from notifying its clients that information about its conduct was transferred for investigation for the purpose of identification from a procedure related to money laundering.

Transfer of money from a legal entity to an individual is possible only under the following conditions:

• lending or obtaining a loan;
• purchasing products from an individual providing intermediary services;
• payment of wages to your employee.

Other cost items for this operation are not provided for by regulations, and, if implemented, will be considered illegal.

A transfer to an individual from a legal entity for the purpose of obtaining a loan or credit is used both for company employees and for third parties. When formalizing contractual relations with your own employees, you can operate with unlimited amounts of money.

Loan agreement from an individual to a legal entity with collateral

However, a loan can be issued to third parties infrequently and not for large sums of money, otherwise it may attract the attention of regulatory authorities, since in order to obtain the right to lend to citizens who are not employees of the company, a new type of economic activity must be registered in the register and with the statistical authorities.

Purchase of products and provision of services to a business entity

In order to understand how to transfer money from a legal entity to an individual, you should familiarize yourself with the legislative norms, which should justify the conduct of a financial transaction through the execution of an agreement between the parties to the transaction that has civil legal status.

If the company is a VAT payer, then mandatory payments in the form of taxes and contributions to the pension fund are withheld from the amount of services provided or products supplied, which are transferred to the company’s account and included in its expenses.

Wages

An employer who is a business entity with the status of a legal entity is obliged to pay wages to employees (individuals). The basis for the financial transaction is the executed employment contract and the work performed, in accordance with the criteria and requirements of the agreement and job description. Transfer of funds, the purpose of which has the status of salary, can be implemented to the card accounts of employees.

Interest-free loan agreement

Legislative Cautions

The law regulates non-cash transfers from a legal entity to an individual. It stipulates the fight against money laundering and determines the need to control money transfers to the accounts of individuals in situations where their size exceeds the amount of 600,000 rubles.

The following operations are subject to the close attention of bank employees:

• transfer of funds in an amount exceeding the standard value;
• provision of credit;
• conducting transactions with securities that are valuable in a situation where the recipient does not have resident status.

Participants in the transaction must take into account that employees are required to report all suspicious activities in the banking sector to the Central Bank. At the same time, the bank that carried out the transfer of money from a legal entity to an individual is prohibited from notifying its clients that information about its conduct was transferred for investigation for the purpose of identification from a procedure related to money laundering.

Instructions

If the recipient of funds has bank card, you can transfer money to him in several ways.

Contact the branch of the bank that issued the card, tell the operator the recipient's last name, first name, patronymic, his personal account number, card number and deposit the transfer amount into the bank's cash desk. In addition, this operation can be carried out through an ATM owned by the issuing bank, equipped with a cash-in device. Enter your account or card number and deposit money into the bill acceptor.

If you own a card from the same bank as the recipient and have access to account management via the Internet (for example, Sberbank-Online, Alfa-Click, Telebank, etc.), you can send money to payment order, indicating the last name, first name, patronymic, account number of the person to whom the transfer is intended, the amount and purpose of payment.

These transfer methods are the most profitable and convenient, since only a few seconds pass from the moment they are sent to the moment they are credited to the account. In addition, in these cases you will not need to pay the bank a transfer fee.

You can also transfer funds to another individual using the Card Transfer service, which is provided by some banks. To do this, log in to the management system personal account, select the appropriate item in the menu, indicate the recipient’s card number and payment amount. Such a transfer can be delivered within up to 5 days and requires payment of a fee to the bank.

The traditional way to send money to an individual is to transfer from your bank account (deposit). Contact the servicing bank with your passport, fill out an application for transfer, indicate the recipient's last name, first name, patronymic, personal account number, name and bank details (BIC, correspondent account) and deposit the money into the cashier. In addition to the transfer amount, the bank will charge a commission at established rates.

You can transfer money without opening an account. To do this, write a transfer application to the bank indicating the full details of the individual and hand over the money to the cashier. This type of transfer also involves the payment of a fee.

In addition, you can use money transfer systems: Western Union, Contact, MoneyGram, Anelik, Migom, Sberbank-Blitz, Unistream, etc. Study the terms of payment systems, choose the one most suitable for you and contact the nearest point of transfer of identity documents. Keep in mind that the commission for such transfers depends on the system and varies from 0.3 to 15%, and the delivery time for money can range from 1 minute to 24 hours.

Tell the cashier the recipient's last name, first name, patronymic, payment amount, country, city and address of the payment point. Deposit money to pay for the transfer and its commission. You will receive a receipt or receipt cash order, which will indicate the unique control number of the transfer. Inform it to the recipient of the funds along with the amount and address of the point of the servicing payment system.

Video on the topic

In every financial institution there is an entrance hall. By contacting it, you can put the required amount on your card. But for this you need to have a passport with you. After checking all the data and receiving a certain amount of money from you, the controller will issue receipt order, it will indicate the amount deposited.

If you have an account and a card in the same bank, then, upon your application, a specialist from a financial company will transfer the amount you specified from one account to another. Such statements are written according to the established template; a specialist in the bank building can familiarize you with it.

If one of your friends wants to transfer money to you, then he needs to go with his passport to the branch of the bank where you are served. He needs to have a passport and your card number with him; a short time after your friend or relative deposits money, you will be able to find it on your plastic card.

Many people may need to make a money transfer abroad. This can be either to help a friend or relative living there, or to pay for various goods and services. Of course, in case of this money transfer you may encounter certain difficulties, but if you know how to proceed, you will choose the most suitable method for transferring money.

You will need

• - last name, first name and address of the person or organization where you are transferring money;
• - bank details of the addressee’s account;
• - passport;
• - money for transfer.

Instructions

If you need, or your recipient does not have a bank account, use the services of any money transfer system. First, check with the person you are sending to which branches of money transfer systems are represented in his city. Most often you can find Western Union offices, but also abroad and in Russia there are Migom and Anelik transfer systems.

Compare the rates of transfer systems. This information can be obtained either from their branch or from their websites.

Contact the branch of the fast money transfer system you have chosen, or the branch that works with it. Come sufficiently well equipped and with a passport. Fill out the form provided to you, indicating the recipient's first and last name, his place of residence and the amount you want to send. Pay the required amount and in return you will receive a receipt on which the number of the money item will be indicated. Provide this number to the recipient so that he can receive money in his country at the money transfer office.

If you know the recipient's bank details, send them the money via money transfer. To do this, go to the bank where you have an account. Indicate in the application that the employee will give you the last and first name of the person or the name of the organization where you are sending the money, the name of the bank, SWIFT code, and the addressee’s account number. After this, check with the bank employee how much the transfer fee will be. If necessary, top up your account through the cashier.

In a few days, your recipient will receive the money in their bank account.

Please note

When making a money transfer, do not forget to specify in what currency the funds should arrive in the recipient’s account. Please keep in mind that not all foreign banks accept transfers in rubles, so it would be safer to send a transfer in the currency of the recipient’s country.

Sources:

• Western Union
• Migom money transfer system
• Money transfers Anelik

In the financial services market there are now many different ways to transfer money to an individual. One of the most reliable and time-tested methods is postal or telegraphic money transfer via Russian Post.

You will need

• - postal transfer form (telegraphic transfer);
• - sender's passport;
• - Full name and address of the recipient

Instructions

Fill out the postal transfer form (form 112еу). To do this, on the front side of the form, in the appropriate field, enter the amount to be transferred in numbers. Then write in legible handwriting (preferably in block letters) in words the number of rubles and then kopecks in numbers. The amount in rubles should begin to be written with capital letter.

On the next line, write the full last name, first name and patronymic of the transfer. Next, according to the text of the form, the recipient's address and index. In the sender's line, indicate the full last name, first name and patronymic of the sender of the money transfer. In the last line, in the "Message" section, indicate the purpose of the payment. This section is not required to be completed. Please sign.

Fill out the coupon for postal transfer to back side form. Indicate the transfer amount, full name and sender's address. And also, if desired and necessary, write a message.

The telegraphic transfer form (form 114) is the easiest to fill out. Indicate the transfer amount in numbers, then write the amount in words in legible handwriting. Moreover, indicate in words, and kopecks in numbers. Next, write the recipient's last name, first name and patronymic. His postal code and address. Also, in full, indicate the last name, first name and patronymic of the sender of the money transfer. His postal code and address. In the lower lines you can write a message for the recipient of the transfer.