Unistream money transfers. Where to get a Unistream transfer Which banks work with the Unistream system

There are many money transfer systems in the world: Western Union, PrivatMoney, Union Express, Unistream and others. Each of them has its own advantages and disadvantages. A client who does not yet have the experience of sending money should find out exactly which bank can receive a Unistream transfer or another transfer (if another system is selected).

Receiving money transfers

How to choose a transfer system so that it would not be a problem for the recipient to withdraw money? The sender must know in which locality the money will be received. The second step is to see what banking institutions are represented in this city or town. Then the sender visits the websites of these banks, sees if there is information about Unistream. Transfers, addresses of bank branches in each locality will be displayed on the websites of institutions. This information will help avoid misunderstandings.

In which bank can I receive a Unistream transfer in Russia?

The Unistream money transfer system is widely represented in Russian financial institutions. The Unistream service system in Russia covers about 185,000 points (these are bank branches and self-service terminals in shopping centers, bus stations and railway stations).

The base bank of the system is CB Unistream. The central office of the financial institution operates in Moscow, and branches are located throughout Russia, there are also representative offices of the bank in Ukraine and neighboring countries. In addition, Russians will be able to send and receive money through Unistream in the following banks: Uniastrum Bank JSCB, Binbank OJSC, Invest Bank JSCB. The partners of the system also became: PTB, CB Druzhba, OTP Bank (as you know, this is a large systemic international financial institution), CJSC Industrial Savings Bank, Moscow Credit Bank and other banks.

Specifics on partner banks in Russia

OTP Bank has a very good regional network. Bank branches are located in 44 cities of the country. These are both regional centers and large cities that do not have the status of regional ones. For receiving a transfer, the client at OTP Bank will not pay any commission, and sending will cost only 2% of the amount (the transfer amount is not more than 100,000 rubles) and 1.5% of the amount (if more than 100,000 rubles are sent).

JSCB "Uniastrum Bank", as a purely Russian financial institution, has more branches than "OTP Bank". Where can I get a Unistream transfer through the system of this bank? The answer can be found on the institution's website. Its branches are located in 70 Russian cities, from Moscow to the Far East Khabarovsk. Receiving a transfer at the cash desk or through the terminal is free of charge, regardless of the currency in which the money transfer was sent.

As already mentioned, Binbank OJSC also works with the Unistream system. Transfers (the addresses of points are on the bank's website) can be both sent and received. You can instantly pick up a transfer sent in another city at the cash desk. Payment of the transfer is, of course, free of charge. Sending money to customers will cost only 1-1.5% of the payment amount. The bank is represented in most regions of the country.

Receiving money via Unistream in Ukraine

We have already said that the transfer system we are considering is international. In which bank can I receive a Unistream transfer in Ukraine? Most large Ukrainian banks work with this system, so those who want to send or receive a transfer will have absolutely no problems.

The Ukrainian Oschadbank (translated into Russian as Sberbank) has been working with the Unistream system for more than 10 years. Although this bank has the widest network of branches in the country (more than 6,000), not all points work with money transfers. But this inconvenience will not prevent those wishing to carry out a money transfer operation even in a small regional center.

The largest systemic bank in Ukraine, Privatbank, which also has branches in Russia, Georgia, Latvia, Cyprus and Portugal, is also a member of the Unistream system. It is easy to receive transfers with Privatbank, because it is not even necessary to contact a bank branch. You can receive a transfer either through an ATM or self-service terminal, or through the Privat24 Internet system. Fans of traditional banking services can contact the bank's cash desks.

System "Unistream": transfers in which European banks can be received?

In Europe, receiving and sending Unistream transfers is also possible. We have already talked about OTP Bank in the context of Russia, about Raiffeisenbank Aval in the context of Ukraine. But these same banks are present on the financial markets of the leading European countries! In addition, the French group Credit Agricole cooperates with this system.

We hope that now everyone will be able to quickly figure out which bank can receive a Unistream transfer. This is one of the most reputable international money transfer systems, so each client is always confident in the reliability of the system.

Unistream money transfers from the Moscow bank of the same name are leaders in Russia and the CIS in terms of transfers. Unistream Bank is the creator, operator and settlement center of the Unistream payment system.

Unistream transfers were created in 2001. At first they existed as a separate division within the structure of Uniastrum Bank. But when the translation market began to grow and generate more income, the management of the financial institution decided to separate it into a separate business.

And it turned out to be true: three years later, the Unistream money transfer system became the leader in the domestic market and in the CIS countries. In 2008, the total amount of transactions within the system reached 100 billion rubles.

The Unistream system has 280 own subdivisions. Also, its partners are 300 thousand points of sale, which are located in 95 countries.

Transfers via Unistream can be made to the following countries:

• Asian and Pacific region;
  EU;
• Africa;
• and other states.

Money delivery time is from 10 minutes. However, in order to avoid excesses, the recipient must take into account the mode of operation of the receiving bank. Plus, the transfer time increases if the delivery of money provides for a special mode of transfer (to a bank account, post office, etc.).

The Unistream system works with only three currencies:

• on the territory of the Russian Federation, transactions are carried out in rubles;
• dollars and euros can be sent abroad;
• to the CIS countries - you can send rubles.

It is also important for the sender to be aware of the main limitations within the system:

• residents cannot send abroad more than $5,000 or its equivalent in one day;
• in the redistributions of the country at a time you can not send more than 900 thousand rubles.

There are three types of transfers within the system:

• address - the recipient can pick up money only at a specific point;
• unaddressed - money is available at any point that is a member of Unistream;
• mobile - money was sent using a mobile phone.

Where can I send money

The popularity of Unistream is explained by the presence of a large number of ways in which you can send money:

• via the Internet using Visa / Mastercard;
• using SWIFT or SEPA transfer;
• from one payment card to another;
• through cash desks of Unistream bank;
• in subdivisions of partner banks of the system (Uralsib, Investbank and many others);
• top up with cash
• using a mobile phone (operators Megafon, Beeline, MTS, Tele2, Rostelecom);
• in Megafon salons;
• through terminals Qiwi, Pingpei, MKB, Eleksnet, Niko-bank, Unistream and others;
• using Yandex.Money electronic accounts.

How to send a transfer

You can find out where you can send money transfers from Unistream, the addresses of points of dispatch and issue, their working hours, the types of transfers with which they work, you can remotely using the official website.

All that is needed is to indicate in a special field the city of sending or receiving, depending on the goal pursued. After that, a complete list of points where you can receive Unistream transfers will open in the window.

As for sending money, the algorithm of actions depends on the method chosen by the client.

What you need to do at a Unistream point or a bank

To send money through a financial institution that is a Unistream partner, an individual must:

1. Tell the operator the full name of the recipient, the amount of the shipment, the country and city where you want to send the money. To simplify the procedure for filling out paperwork in the future, a client who applies for the first time with a request to send a transfer is issued a special card free of charge. In the future, after presenting this card, an individual will not need to fill out various forms, plus, as a bonus, he will receive SMS about the current status of the money sent;
2. Present a passport or other document that confirms the identity of the sender;
   the bank employee gives the sender his copy of the "Application for transfer", which contains the secret code of the transfer;
3. Tell this number to the recipient. He must also know the address of the branch of the financial institution where you can pick up the money. It is worth considering that you can receive a Unistream transfer, which is addressless, at any point of issue of transfers.
4. If the client sends money through a bank without opening an account to the recipient's account in a foreign financial institution, then he still needs to specify:

• SWIFT or IBAN code depending on the interbank system;
• recipient's account number;
• the address;
• the purpose of the payment, for example, “for study”, “payment for hostel services”, etc.

By the way, all this is filled in English.

Transfer via terminal

Sending money through the terminal is very simple. Plus, their advantage lies in the round-the-clock operation, so that an individual can not be tied to the work schedule of banks.

The transfer procedure takes no more than a few minutes and is very convenient for people with a client card. All they have to do is paste it into the terminal and select a recipient. If the latter has changed, then you need to enter a new one in the menu and that's it. Then you need to deposit money and get a check. It will contain the control code that must be reported to the recipient.

Sending a transfer using a mobile phone

In order to send money within Russia, you need to send an SMS to a short number to a mobile operator. What number can you see.

The message must include:

• country code;
• name of the sender;
• series and number of the passport;
• name of the recipient;
• amount in rubles.

The client can also make a transfer from the official websites of MOBI Money and RURU. Moreover, with the help of the latter, money is sent to such distant countries as Great Britain, Mongolia, Israel.
However, it is worth considering that only addressless transfers can be sent using mobile operators.

Transfer from a payment card

The presence of a Visa or Mastercard card allows their holder to send money around the clock, just without leaving home. You can make Unistream online transfers wherever you have access to the Internet using the service.

However, the following limitations should be taken into account:

• no more than three transfers per day from one card;
• the maximum amount of one transaction is not more than 100 rubles.

What documents are needed to send a transfer

The main document that is needed to send money is a civil passport of the Russian Federation. However, in case of its absence, any other identity document can replace the passport, for example:

• international passport;
• sailor's passport;
• military ID;
• other documents.

Non-residents need to provide a passport of their native country, stateless persons - a residence permit, etc. Unistream has a rule that prohibits sending money by proxy, even notarized.

In addition, it is worth considering that sending amounts up to 74,999.99 rubles. possible without a migration card.

How to track a transfer

All Unistream money transfers can be tracked at any time, the main thing is to have access to the Internet. For this, there is a special section on the official website of the system. It consists of only two fields where you need to specify:

• transfer control number (numbers or numbers with capital Latin letters);
• surname of the sender (exactly as in the application for sending).

And click the "Check Status" button.

After that, the person concerned will receive detailed information on where the transfer is located and when it can already be picked up.

Translation cost

The service fee for sending money is withheld from the sender and depends on the following factors:

• transaction amount;
• destination country;
• transfer currencies;
• way to send money.

For example, the cost of a non-addressed / non-addressed transfer in the amount of 30,000 rubles from Russia to Moldova will be 450 rubles, to Georgia - 300 rubles.

But a transfer using a Visa payment card will cost more - the commission will be 500 rubles, it will be even more expensive to use a MIR card - 840 rubles.

If you send money in foreign currency using international payment cards, then you will be able to significantly save on the commission - it is simply zero.

You can find out the estimated cost of translation on the official website of the system. More accurate information on the size of the commission can be obtained from partner banks.

Advantages and disadvantages of Unistream

Unistream money transfers attract customers due to:

• a wide network of points of departure and issue;
• the presence of various options for sending a transfer, both remotely and with the help of banks and terminals;
• speed of funds transfer;
• the sender pays the commission, the recipient only needs to pick up the money;
• the presence of a large number of additional services, such as loan repayment, replenishment of electronic wallets, payment cards, currency exchange, etc.

The disadvantages include:

• work with only three major currencies;
• a lot of different commissions and it is difficult to choose the most profitable way to send money;
• you need to order money in advance, as they may not be at the box office. However, it is worth noting that customers can do this via the Internet;
• low level of attendants who do not always send transfers correctly;
• the complexity of communication with the call center.

Unistream money transfers are popular among our compatriots and citizens of other countries who send money to Russia due to the ease of sending, speed of delivery and the presence of a wide network of system partners.

The operation of the system only with rubles, dollars and euros, on the one hand, limits the rights of the recipient. But on the other hand, the recipient can independently exchange currency at a more favorable rate.

Alexander Babin

The Russian money transfer system Unistream was created in 2001 as part of Uniastrum Bank, and in 2006 it was spun off into a separate business. For this, a bank of the same name was created, which is the operator of the system. Over its 15-year history, Unistream has become a recognizable brand both in Russia and abroad. Here are just a few facts about the Unistream money transfer system that allow you to better understand its specifics in the payment services market:

• Unistream has its own network of branches, consisting of more than 270 cash desks in different regions of Russia. This makes the system stand out from other players who mainly use the agency scheme for providing services;
• 22 Unistream cash desks in Moscow and 1 in the Moscow region have a round-the-clock operation;
• The international agent network of the system consists of more than 280,000 service points located in 117 countries of the world, and the total number of international partners exceeds 400;
• Representative offices of Unistream are open in Great Britain, Greece and Cyprus;
• At the end of 2015, the turnover of the system amounted to 219 billion rubles;
• For 9 months of 2016, the system's income from money transfers without opening a bank account amounted to 1.7 billion rubles;
• In 2015, the Unistream system sent money transfers in the amount of $1.8 billion from Russia and $483 million to Russia;
• For a long time, Unistream has been developing an electronic wallet - Unistream-Money. However, since August 1, 2016, this service has been closed.

How to send Unistream transfer

Unistream offers various shipping methods cash and non-cash money transfers:

• at the cash desks of Unistream Bank and at the branches of partner banks (Rosselkhozbank, Promsvyazbank, Asia-Pacific Bank, Binbank, Uniastrum Bank, AKB Avangard, Uralsib, FORA-Bank, Northern Sea Route Bank, Moscow Credit Bank, Yugra Bank, AK BARS Bank, CB "Vostochny", Moscow Industrial Bank, JSCB "Soyuz", SDM-Bank, Vyatka-bank, Genbank and others);
• through self-service terminals (QIWI, Comepay, TelePay, Moscow Credit Bank, Uniastrum Bank, Unistream Bank);
• in the salons of communication "Megafon";
• online transfers from a bank card;
• transfers from a mobile phone account.

There are two types of Unistream money transfers: targeted and unaddressed. In case of a targeted transfer, the sender must choose not only the country and city of receiving the transfer, but also the specific point of receiving the transfer. With a non-address transfer, it can be received at any service point of the system in the selected city.

Limits for sending money transfers depend on the chosen method. For residents of the Russian Federation, a legislative restriction has been established: you can transfer abroad no more than 5,000 US dollars per day. At the cash desks of Unistream and at the branches of partner banks, the maximum amount of one money transfer is:

• 900 000 rub.,
• $10,000
• 15 000 Euro

The maximum amount of a money transfer through a self-service terminal using a customer card is 100,000 rubles. For this method, additional limits are set on the number of transfers - no more than 5/10/20 transactions per day/week/month, respectively.

In accordance with the Unistream money transfer rules, system partners have the right to set their own limits on sending transfers. In Megafon communication stores, the maximum transfer amount is 200,000 rubles.

The maximum amount of an online transfer from a card is 100,000 rubles, from a phone - 15,000 rubles.

Rates for Unistream money transfers vary and depend on the chosen transfer method, amount, country of destination and other parameters. During ongoing promotions to attract customers, commissions are reduced. However, promotional rates are valid either at strictly defined service points and / or for a certain period of time. If the transfer is cross-border and is associated with a currency exchange, then the exchange rate at which the exchange will be carried out should be taken into account. The exchange rate of the Unistream system is published daily on the official website.

Sending transfers is carried out only on the basis of presentation document, proving the identity. For citizens of the Russian Federation - this is a passport, international passport, sailor's passport, military ID, identity card of a serviceman, temporary identity card in form 2P. For foreign citizens, this is a passport or other document. For stateless persons, this is a residence permit, temporary residence permit, etc. For refugees - a refugee certificate, a certificate of consideration of an application for recognition as a refugee.

If the transfer amount exceeds 75,000 rubles, or its equivalent in foreign currency, the non-resident must additionally provide a document confirming the right to stay on the territory of the Russian Federation (migration card, residence permit, temporary residence permit, visa, etc.). ).

In accordance with the rules of the system, the procedure for sending a Unistream transfer at service points consists of the following steps:

• the operator fills out an application for transfer from the words of the client;
• the client checks the correctness of the specified data and signs the transfer application;
• the identity document of the sender is checked, as well as other documents, if necessary;
• the required amount is paid to the cashier;
• the transfer is assigned a transfer control number. The sender must independently inform the recipient of the KNI.

When sending a transfer through a self-service terminal, the sender independently fills out an application in electronic form on the screen of the terminal.

How to receive a Unistream transfer

Unistream money transfer system is a functional and convenient service. In order to make the process of receiving a transfer as simple as possible, you should familiarize yourself with the rules for receiving:

• the term for issuing the transfer is from 10 minutes from the moment of departure. However, longer delivery times may be set for certain destinations. The sender of the transfer must independently clarify the delivery time before sending;
• the status of the transfer can be checked on the official website of the system online using the control number or in the call center;
• the translation is available for receipt within 6 months. from the date of dispatch. After this period, an unclaimed transfer can only be received by the sender within 3 years.;
• upon receipt of a transfer, the amount of which exceeds 100,000 rubles, 1,000 dollars and 500 euros at Unistream points, you must make a preliminary cash order.

Procedure receive a Unistream transfer as follows:

• the recipient informs the service point employee of the control number, amount and currency of the transfer, as well as the name of the sender;
• based on the information provided, the employee checks the receipt of the transfer;
• then the employee checks the identity of the recipient and draws up an application for receiving the transfer;
• The recipient must sign the application, and then receive the transfer.

Instruction

How to send money.
This can be done in several ways: through the Unistream bank cash desk, through a payment terminal, through the Unistream Money electronic wallet, transfer from a mobile phone account, transfer from a MasterCard or Maestro bank card, depositing funds to a bank card through Unistream points. Each sender can easily choose a convenient way for himself.

Transfer of funds through a payment terminal.
The most common type of money transfer is considered to be a transfer through a payment terminal. This action will not make any special work. Terminals can be found in almost any store. The advantage of this method is that the terminals work around the clock, that is, you can send it at any time. The execution of the translation itself will take you a few minutes.

Transferring funds from a mobile phone account.
Another, no less popular method is the transfer of funds using mobile networks. Thus, sending can be carried out through the operators Megafon, Beeline, MTS. In addition, it is possible to use sites and applications for the phone. Funds are instantly debited from the mobile account, and in a couple of minutes they can be withdrawn at any Unistream point.

Transfer of funds from a MasterCard or Maestro card.
If you are the owner of MasterCard or Maestro cards belonging to any Russian bank, you can easily make a money transfer through the MasterCard Mobile service, where you will need to register. To do this, you only need an Internet connection. The service is available at any time. And the process of sending money will only take a few minutes.

How to receive money transfer.
To receive a money transfer, you need to come to Unistream Bank or any branch of a partner bank. To find out their exact addresses, you should go to the site http://geo.unistream.ru/16/, select your city (if necessary, you can specify the street) and read the list. Tell the bank employee the control code, the transfer currency, the exact amount, and the name of your sender. Be sure to present any document proving your identity.

What you need to know when receiving a money transfer.
If you receive an amount of funds more than 75,000 rubles. and you are not a citizen of the Russian Federation, you will need additional documents, such as a registration document and a migration card. If someone else (representative) will receive the money instead of you, he must have with him not only a passport, but a notarized power of attorney. If you receive more than 500 euros, 1,000 dollars or 100,000 rubles at Unistream cash desks, you need to call the bank branch in advance and find out about the availability of free funds.

Among the banking services that allow the population to instantly send payments around the world, Unistream is one of the most popular. This publication will help you learn useful information about the operation of the system and the rules for using it.

Giving preference to Unistream Bank's "Money Transfers" service, customers choose not only convenience and low tariffs for using the service. Other indisputable advantages of the service contribute to the growth of the popularity of the service:

• money delivery speed: regardless of the remoteness of the country, money will be available within 15-20 minutes;
• developed network of own cash desks and partner service points, including terminals;
• “internationality” of the service: Unistream money transfers are available in 100 countries of the world, the addresses of branches can be easily found on the website;
• a free service of SMS informing the recipient (that money has been sent to him) and the sender (when the payment has been made);
• the ability for both parties to the process to learn about the status of the payment by entering the name of the person who sent it and the number (the main page of the site, the “Transfer Status” tab);
• the availability of unaddressed transfers, when the beneficiary has the opportunity to come for money to any point of the country of destination that works with Unistream;
• the ability to send Unistream money transfers from a mobile phone;
• availability of services for people without bank accounts;
• conversion of the transfer and its payment abroad in another currency (at the request of the sender);
• accurate preliminary calculation of the commission using an online calculator that takes into account the tariffs of the country and the bank branch involved in the process of sending / receiving Unistream money transfers. Moscow, for example, has many partner branches and, after making calculations on the points of several banks, you can choose the lowest tariff.

In an effort to become as useful and attractive to customers as possible, the service has no right to deviate from the legislation of the Russian Federation. Therefore, there are frameworks within which Unistream operates. For example, restrictions have been introduced on the amounts sent by law and their number:

• When transferring money across the territory of the Russian Federation, a one-time payment from Unistream cash desks cannot exceed 900 thousand rubles. Restrictions of foreign partner banks should be found in their points.
• Transfers abroad for Russians are limited to the amount of 5 thousand US dollars, and there are no restrictions for non-residents of the Russian Federation.

In addition, the Unistream system introduced the following requirements for transfers:

• Domestic transfers are possible only in the national currency, international - in foreign (US dollars, euros).
• Registration of the service does not allow the use of copies of identity documents (even notarized ones).
• Non-citizens of the Russian Federation cannot receive an amount of more than 75 thousand rubles without providing a migration card and registration papers.
• In foreign countries it is possible to send only an address transfer.

Taking care of the convenience of customers, the service has provided several ways to send money. The client can:

1. Contact Unistream points or partner offices. The algorithm of the procedure is simple:

• show the passport to the operator;
• then inform where to send the funds (city, if necessary - the country and service point), the full name of the beneficiary, the amount to be transferred;
• receive a receipt with the number of the transfer, provide the necessary data on the transfer (number, amount, point of receipt) to the beneficiary.

2. Use payment terminals.

Unistream has its own self-service payment devices installed in bank branches. There are a number of branches in the capital where Moscow can make round-the-clock Unistream money transfers Moscow, their addresses are posted on the page of the main resource.

Unistream also works with payment forwarding systems such as QIWI, Eleksnet, Compay, Delta Key, PinPay, TelePay. The algorithm for transferring money through terminals is approximately the same for all devices:

• You need to select the tabs "Banking services" / "Money transfers" / "Unistream".
• Consistently fill in all the items offered by the device: full name and mobile numbers - yours and the recipient, the city of receipt, the number of the transferred amount.
• Deposit money into the receiving window.
• Receive a check with the transfer number, which should be reported to the recipient.

3. Transfer money from your phone (mobile) account to one of the points serving Unistream.

This service is provided by such operators as MTS, Rostelecom-Ural, Megafon, Beeline. Unistream money transfers are also possible through the websites of the partners of the "Mobi.Money" system, "Payment World RuRu" through web forms on their websites. To transfer funds from your mobile, you must perform the following steps:

1. Send an SMS to 3116 or 7878 if you plan to issue a payment in dollars. The SMS contains the following data in turn:

• service identifier - unit;
• put a space;
• transfer amount (min - 100, max - 15000) in rubles;
• put a space;
• three-letter country code (for example, Ukraine - UKR);
• put a space;
• surname (space), first name (space), patronymic (space) of the recipient;
• surname (space), first name (space), patronymic (space) of the sender.

2. The specified amount plus commission will be debited from the mobile account. Then you will receive an SMS with the control number and the country of receipt of the transfer. This data must be sent to the recipient.

This procedure is presented more clearly on this page.

4. Holders of MasterCard, Maestro bank cards issued by Russian banks can send money from these cards online, through the service MasterCard Mobile.

You must first register for the service. Subsequently, you can log in with your username and password. The section on sending money has a simple interface. In special columns you will need to indicate:

• the country where the funds will be received;
• full name of the recipient and sender;
• amount, currency of write-off (limit - 15 thousand rubles);
• card number from which the money is debited.

5. Use the Unistream Money electronic resource.

This service works on the principle of an electronic wallet. The money available in the wallet can be spent on various payments, including Unistream money transfers. Where to receive the transfer, the addressee decides for himself. The sending party specifies only the receiving country. The wallet is replenished like this:

• By depositing cash at the branches of all services serving Unistream.
• Transferring funds from a bank account.
• Through the Svyaznoy salons.
• Through a MasterCard.

The transferred funds go to the cash desks of CB "Unistream" or to branches of banks cooperating with it. With an address type of transfer, the beneficiary must know the specific point of receipt, the amount, currency, transfer number, and the name of the sender. You can get money only by informing the operator of all these data and showing your passport. Finding a branch that is convenient for visiting is easy using the search engine map on the main Unistream website.

1. The amount of commission for the transfer depends on the tariff policy of the sending bank. By calculating several departure options on the online calculator, you can select the point with the optimal commission.
2. It is better to call the department before receiving a large amount (100 thousand rubles or 1 thousand dollars) to make sure that it is available. An order for receiving money is carried out through a form page.
3. Some branches owned by Unistream Bank carry out money transfers in St. Petersburg (St. Petersburg) and Moscow around the clock. The addresses of these points are posted on the official website of Unistream.
4. Sending money through a network of own transfer points is charged by the service at the lowest rates.