Payment system unistream addresses. Unistream money transfers

The Unistream money transfer system is known in more than 95 countries around the world. The advantage of this system is that with it you can send money to friends or relatives in just a couple of minutes, for this you do not need to open a bank account and waste time. True, you will have to pay a commission for transfer services, but it justifies itself by the convenience of the service with numerous points of receiving and issuing cash. However, let's take a closer look at where to get a Unistream transfer.

About the system

Why do users choose either Unistream? In fact, there are a huge number of reasons. The company was created by a Russian financial non-banking commercial organization. It allows you to transfer funds in rubles and in foreign currency to neighboring countries and other countries of the world. Funds can be transferred both in cash and from a bank card. Moreover, the limits are limited only for transfers from bank cards, the maximum amount is 100,000 rubles. This system has a number of advantages:

The commission fee is only 1.2%.
The speed of delivery of funds is from 10 to 15 minutes.
To send a payment in another currency, there is no need to look for exchange offices and overpay a commission, the conversion is carried out automatically at a favorable rate.
The recipient of the money transfer does not pay the commission fee.

Please note that citizens of other states can make transfers through Unistream in Russia upon presentation of a passport. If the transfer amount exceeds 5,000 euros, then they will need a document on the basis of which they stay in our country.

Unistream Partners

Unistream partner banks will help to receive funds. That is, the recipient must contact one of the banks that cooperates with the system and collect the money using an identity document. So, in which bank you can receive a Unistream transfer, a list of current partners:

Promsvyazbank;
OTP bank;
Raiffeisenbank;
Uralsib Bank;
Credit Bank of Moscow;
investment bank
Binbank and others.

Please note that the list of Unistream partners can be updated, but it will be quite easy to recognize partner banks, there is a system logo at the entrance to the financial institution.

How to receive a transfer

First you need to find the nearest Unistream bank or self-service cash desk. You can do this directly on the official website of the system, to do this, go to http://unistream.ru/service-points/ , find the pickup point closest to you. You must have an identity document with you.

The scheme for receiving cash is quite simple: you need to find the nearest cash point to you, tell the cashier-operator the secret code, last name, first name, patronymic of the sender, as well as the currency. Next, submit an identity document for verification and receive funds.

Thus, it will not be difficult to find Unistream distribution points. In addition, the system provides comprehensive support to its customers on the official website. By the way, as already mentioned, in order to receive funds, you must know the secret code, the amount and the sender's data, otherwise you will not be able to receive the funds.

The most popular payment system at the moment is Unistream. you can get in Moscow in most banks of federal and regional destination. The procedure itself does not require long and painstaking actions, therefore, most users of the presented types of services wish to use the services of the payment system. Further, the features of work and important conditions for receiving funds in the Unistream system will be presented in more detail.

Advantages of cooperation with Unistream

The Unistream payment system was brought into a separate enterprise in 2006. Today it is a well-known brand that makes it possible to transfer funds from various countries of the world. This is far from the only advantage that can be distinguished in the work and services of the payment system.

money transfer system

Here are the following positive points:

Throughout the country, Unistream has opened more than 270 branches to provide services - this is a separate network, which is in addition to the common points that exist on the basis of various banks.
In the question of where you can receive a Unistream transfer in Moscow around the clock, you can select 22 branches, the addresses of which are listed on the website of the payment system.
The company opened branches in the amount of about 300 thousand in 117 countries of the World. Based on international activities, the payment system cooperates with 400 partners.

These are just the main advantages of Unistream. There is no need to talk about reliability and high quality of service.

How to make a transfer to Unistream

Knowing how to make a transfer to Unistream, you can partially solve the issue of receiving the transferred funds. In this case, the following possible ways can be distinguished:

At the bank's cash desks or specialized branches, for which only the applicant's passport is required.
With the help of terminals QIWI, Comepay, TelePay, Moscow Credit Bank, Uniastrum Bank, Unistream Bank.
You can contact the MegaFon communication salon - this is an excellent alternative to the Unistream program "Next to Me".
It is possible to make online transfers from a bank card of any bank.
The sender can download an application to his mobile phone, which will make it possible to quickly make a transfer without being distracted from serious matters.

Unistream transfers are divided into two types - targeted and non-addressed. Address will require the sender to enter the exact address of the branch where the recipient will make a request for the issuance of funds. Addressless - this is the ability to contact any branch of Unistream and banks that serve the payment system.

Branch Unistream

How to receive a Unistream transfer

It is easy to receive the transferred funds through Unistream if you carry out preliminary preparation and verification of the transfer. Therefore, the whole procedure is divided into two parts - verification and receipt.

Verification of translation or enumeration features

The following factors should be attributed to the features and instructions for issuing a transfer:

The transfer can be received within 10 minutes after its implementation. But the terms are determined individually and can last up to several days. Everything is explained by the peculiarities of the "sender" and "receiver". For example, transfers from other countries will take longer to be verified.
The translation has several statuses, which is determined by its processing. You can find out about the status yourself through the official website or call center.
Within six months from the date of receipt of funds, the addressee can pick them up at the branch or in any other way. If the transfer is not picked up, the funds are sent back to the recipient. The return periods are extended for a maximum of 3 years.
If the amount received exceeds 100 thousand rubles, 1 thousand US dollars or 500 euros, the recipient must first make an application with a request to prepare funds. Often, the application can be made the next day after contacting the department.

The presented features and rules should be taken into account exactly so as not to run into problems when receiving money.

All departments of the organization can be found on the website.

Instructions for receiving money

Receiving a transfer is possible when contacting a Unistream branch or a bank that services the payment system. The whole procedure is presented in the following sequence:

The recipient chooses a convenient address for personal appeal or goes to a specific branch, which was indicated when transferring funds.
Further, the employee of the Unistream branch or the bank must provide all the data of the transfer - this is the control number, the amount received and the currency of the representative.
To receive money, you need to present a passport valid at the time of the procedure.
An employee of the bank or Unistream branch will check all the data and verify the information provided by the recipient. If everything goes well, the money is issued.
To do this, the employee prints out an already formed application, which is signed by the recipient. The form contains the details of the transfer and confirmation of its receipt.
Cash is issued in accordance with the specified amount. The operation ends here.

If the recipient cannot independently apply to the branch for money, he needs to issue a power of attorney and certify it with a notary. With their own passport and a notarized document, an authorized person should contact the branch for money.

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.

UNISTREAM money transfers (UNIStream)

"UNISTREAM" is a rapidly developing international payment system for money transfers, created to service transfers of individuals, the operator of the payment system is a bank - OJSC CB "UNISTREAM". On August 10, 2012, the UNISTREAM international money transfer payment system was registered by the Bank of Russia in the Register of Payment System Operators under registration number 0002.
Unistream system (Latin version - UNIStream)- this is the Russian system, which began its operation in 2001 as a department of the JSCB " Uniastrum Bank", and in 2006 - separated into a separate independent business, and its operator and core was the UNISTREAM Design Bureau created for this purpose ( UNISTREAM COMMERCIAL BANK (JSC)). The Bank was registered by the Central Bank of Russia on May 31, 2006 under No. 3467, and on August 16, 2006 received a license from the Central Bank of the Russian Federation for banking activities. The main shareholders of OJSC CB UNISTREAM are individuals and the British Company AURORA RUSSIA LIMITED.

The UNISTREAM money transfer system logo (Basic version of the logo) for use on the territory of the Russian Federation looks like this:

UNISTREAM money transfer system logo (Cyrillic version)

Today, according to UNISTREAM transfer operator, they are among the five largest international systems. The geography of our transfers covers 100 countries of the world, the number of international partners is approaching 500, and the number of points is more than 300,000.
The network of customer service points UNISTREAM Money Transfer System is distributed by territories as follows:

in Russia - about 185,000 points (including the terminal network);
on the territory of the CIS countries - more than 15,000 points;
in non-CIS countries - more than 110,000 points.

Money transfers "Unistream" (UNIStream) in Russia are carried out by such partner banks of the system as: JSCB "Uniastrum Bank", JSCB "Investbank" (JSC), JSC "BINBANK", JSC "AK BARS" BANK, Bank PTB (LLC) , SKB-bank, OJSC OTP Bank, CB Druzhba, CJSC Industrial Savings Bank, CB RIAL-CREDIT (LLC), etc.

The entire network of service points of the UNISTREAM system consists of:

From own service points of CB "UNISTREAM" (only in Russia);
From service points of partner banks (in Russia and around the world).

One of the positive features of the Unistream / UNIStream money transfer system is that money can be sent in several ways:

Through UNISTREAM money transfer points - UNISTREAM bank's own cash desks, branches of partner banks, points of UNISTREAM payment agents (communication stores, etc.;
Through payment terminals - UNISTREAM self-service terminals, terminals of QIWI, Eleksnet, Compay, Delta Key, PinPay, TelePay payment systems, terminals of Moscow Credit Bank, NIKO-BANK and Military Industrial Bank;
From the mobile phone account of the mobile operators Beeline, MegaFon, MTS and Rostelecom-Ural, as well as from the websites and mobile applications of MOBI Money and RURU;
From a MasterCard or Maestro card of any Russian bank through the MasterCard Mobile service;
By depositing cash to bank cards through UNISTREAM points (cash2card);
Through the electronic wallet UNISTREAM MONEY.

Registration of Unistream money transfers through stationary points of banks.

Unistream is a system of urgent money transfers of individuals not related to the implementation of entrepreneurial and investment activities or the acquisition of rights to real estate.

Money transfer operations from the Russian Federation on behalf of individuals are carried out in accordance with the current legislation of the Russian Federation.

Unistream (UNIStream) transfers are made in the following currencies:

in Russia - only in rubles,
outside Russia - in rubles, dollars or euros.

The amount of money transfer allowed by the legislation of the Russian Federation and the Unistream system:

In Russia - the amount of money transfer is not limited;
From the Russian Federation, a resident of the Russian Federation - no more than the equivalent of 5,000 USD (using the official exchange rates of foreign currencies against the ruble established by the Bank of Russia on the date of the transfer, for one business day);
From the Russian Federation, non-resident of the Russian Federation - the amount is not limited.

The UNIStream system declares a low cost of transfers - from 0%. There is no single tariff scale for all countries for the cost of Unistream transfers. OJSC CB UNISTREAM/UNIStream applies an individual approach depending on the direction of the transfer. For many countries, in addition to the basic transfer rates, there are also very preferential rates. Different banks may have different rates. And for certain countries, such as: - India, Kuwait, Sri Lanka, Iran, Saudi Arabia, etc. - there are restrictions on the amount of the bank commission for the transfer (minimum 4 dollars, maximum 12 dollars).

Based on this, the following can be said about the transfer fee:

It is determined in the UNISTREAM software according to the directory of system participants. To choose the optimal commission, the calculation should be made according to the points of several banks.
It is paid by the sender of the transfer (the recipient is paid the entire amount of the transfer, without deducting any additional commission).

In the own service points of the UNISTREAM system, the cost of money transfers in Russia is set by the operator as follows:

These transfer rates are valid only when sending transfers from one point of UNISTREAM Bank to another point of the same bank, but in another locality.

To make sure that the phrase “low cost of transfers” is true, I will give a comparative experiment. I will calculate the cost of a commission for a transfer of 20,000 rubles across Russia (from Omsk to Moscow) by four different money transfer systems:

postal transfer "CyberMoney" - 317 rubles + 2% of the amount = 717 rubles.
money transfer "Western Union" = 800 rubles. (rouble tariffs in Russia)
money transfers "BLITZ" - 1.75% = 340 rubles. (through own branches of Sberbank)
money transfer "Unistream" - 1.2% = 240 rubles. (through own UNISTREAM points).
money transfer "Unistream" - 2% = 400 rubles. (through points of two other partner banks).

With such a calculation, as it were, comments are superfluous. But pay attention to what the difference in price can be within the Unistream system itself. Therefore, before sending a transfer, it is worth choosing the cheapest and optimal route for the money transfer on the system calculator.

The minimum percentage of the commission for transferring money via Unistream to individual countries starts from the following amounts:

Direction		Direction	Transfer fee, in % of the transfer amount	Direction	Transfer fee, in % of the transfer amount
Azerbaijan	from 1.8	Jordan	from 2.05	Poland	from 0.8%
Armenia	from 0	Iran	from 2.05	Russia	from 1.2%
Bangladesh	from 2.05	Spain	from 1.8%	Rwanda	from 3.7%
Bahrain	from 2.05	Italy	from 3.8%	Romania	from 1.8%
Belarus	from 1.8	Kazakhstan	from 1.8%	Saudi Arabia	from 2.05%
Botswana	from 2.05	Cameroon	from 2.8%	Senegal	from 3.8%
Belgium	from 1.8	Canada	2,05%	Singapore	from 2.05%
Benin	from 3.8	Qatar	2,05%	Syria	from 2.05%
Bulgaria	from 1.8	Cyprus	from 2.8%	Suriname	from 2.8%
Burkina Faso	from 3.8	Kyrgyzstan	from 1.3%	Sudan	from 2.05%
Burundi	from 3.8	China	from 0.8% + 7$	USA	from 2.5%
Great Britain	from 1.3	Congo	from 2.8%	Sierra Leone	from 3.8%
Vietnam	from 1.8	Ivory Coast	from 2.8%	Tajikistan	from 1.7%
Ghana	from 2.8	Kuwait	from 2.05%	Thailand	from 2.05%
hong kong	from 2.05	Latvia	from 2.3%	Togo	from 3.8%
Greece	from 2.3	Lithuania	from 1.8%	Uzbekistan	from 1.8%
Georgia	from 1.6	Malaysia	from 2.05%	Ukraine	from 1.3%
Guinea	from 2.8	Morocco	from 2.05%	Philippines	from 1.8%
Denmark	from 1.8	Moldova	from 1.3%	France	from 2.8%
Congo	from 3.8	Mongolia	from 1.3%	Czech	from 1.3%
Egypt	from 2.05	Nepal	from 2.05%	Switzerland	from 3.8%
Yemen	from 2.05	Netherlands	from 1.8%	Sri Lanka	from 2.05%
Israel	from 2.1	New Zealand	from 2.05%	Eritrea	from 2.05%
India	from 2.05	UAE	from 2.05%	Estonia	from 2.8%
indonesia	from 2.05	Pakistan	from 2.05%	South Korea	from 1.8%

In working with clients, the Unistream money transfer system strives to ensure maximum comfort when making transfers and promises the following:

Quick receipt of a transfer (available for receipt in 10 - 15 minutes after sending);
Low tariffs (from 0% and above depending on the region);
No expenses for the recipient of the transfer;
Ease of processing the transfer (forms are drawn up by an employee of the service center)
Acceptance and issuance of money transfers in cash.
Carrying out the conversion of the received currency without leaving the cash desk (at the request of the client).

Unistream money transfer is processed as follows:

A bank employee is presented with a passport or other document proving the sender's identity in accordance with the legislation of the Russian Federation (the sender's representative also presents a duly executed power of attorney);
If necessary, a document confirming the origin of the currency is presented (in accordance with the legislation of the Sender's country);
The form “Application for transfer without opening an account” filled in electronically by a bank employee and the bank’s cash receipt order are checked and signed;
Other information provided by the current legislation is provided (if this operation is subject to mandatory control in accordance with the Law “On Counteracting Legalization…”).
The identification number assigned to the transfer is transferred to the recipient of funds by the sender independently.

The Unistream money transfer application form looks like this:

Unistream money transfer is processed as follows:

A bank employee is presented with a passport or other document proving the identity of the recipient in accordance with the legislation of the Russian Federation (the representative of the recipient also presents a power of attorney duly executed and notarized);
The control number of the transfer, the amount and currency of the transfer, the full name of the Sender are called;
After checking the availability of the transfer in the system, the operator fills in electronic form - the form "Application for receiving a money transfer without opening an account" and an expense cash order - and transfers them to the Recipient for verification and signature;
The recipient is obliged to provide other information provided for by the current legislation (if this operation is subject to mandatory control in accordance with the Law “On Counteracting Legalization…”).
The signed documents are transferred to the cash desk of the bank, and the client is given a tear-off coupon of the previously signed cash order.
Receiving money is carried out at the box office upon presentation of a tear-off coupon and passport.

The Unistream money transfer application form looks like this:

The transfer can be received within 1 month from the date of sending the transfer. At the end of this period, the transfer is returned to the sending bank as unclaimed. The return of an unclaimed transfer is carried out to the Sender upon his Application, in which it is necessary to indicate:

Sender's passport details;
transfer control number;
transfer date;
surname, name, patronymic of the Recipient;
transfer amount.

Unistream transfers through QIWI terminals (QIWI)

On the territory of Russia, Unistream money transfers can be sent through QIWI (QIWI) terminals. Terminals operate around the clock.

The number of QIWI terminals (QIWI), which are involved in servicing Unistream money transfers, is already 90,000, and their number continues to grow.

The maximum transfer amount through the terminal is 15,000 rubles (including commission). Commission for a money transfer sent through QIWI terminals (QIWI) - 2.5% (but not less than 50 rubles). Of course, sending a money transfer through the terminal costs much more than the same transfer if it is sent through a bank point. Translation becomes especially expensive, the cost of which is up to 2000 rubles.

The UNIStream transfer becomes available to the recipient 10-15 minutes after it is sent through the QIWI terminal.

You can receive money transfers sent through QIWI terminals in 21 cities of Russia:

Cities		The number of cash desks working on sending transfers.	Cities	The number of cash desks of banks working with QIWI terminals (QIWI) for receiving transfers.	The number of cash desks working on sending transfers.
Moscow	509	434	Orenburg	8	8
St. Petersburg	69	67	Pyatigorsk	12	12
Volgograd	19	19	Rostov-on-Don	32	30
Voronezh	22	22	Samara	46	46
Yekaterinburg	65	59	Saratov	27	26
Kaliningrad	16	15	Sochi	20	20
Krasnodar	39	39	Stavropol	8	8
Krasnoyarsk	9	9	Tyumen	15	14
Nizhny Novgorod	24	24	Ufa	52	51
Novosibirsk	21	18	Chelyabinsk	26	22
Omsk	72	72

The number of cities in which it will be possible to receive transfers sent through QIWI terminals (QIWI) will constantly increase.

The procedure for working with the QIWI terminal (QIWI), for making a money transfer, consists of the following sequential steps:

On the main screen of the terminal, press the button - "REPAYMENT OF LOANS SERVICES OF BANKING"
Choose the button with the service - "UNISTREAM money transfers".
Select the city where the money transfer will be received.
Enter the Sender's data - Surname, First Name, Patronymic.
Enter the Recipient's data - Surname, First Name, Patronymic. The data must be entered without errors.
Enter your mobile phone number. If you have previously used your Personal Account, you will need to enter a PIN code to access it. If you have forgotten your PIN, send an SMS with the text "LK" to 4443. The cost of SMS is $0.15 without VAT.
Specify the transfer amount, and then enter the transfer amount into the terminal.
You receive a receipt with the control number of the transfer. Also, you will receive an SMS with the transfer control number. If the terminal has not issued a receipt (there is no paper in the terminal), it can be restored in the QIWI personal account (QIWI).
Send the transfer code to the Recipient.

Unistream transfers via mobile phone (with the participation of the MOBI.Money mobile money system)

The "Money transfers via mobile phone" service allows Beeline subscribers to receive cash from their mobile phone account at their own UNISTREAM service points. This service can only be used for personal, family, household and other needs not related to business activities. Money transfers via mobile phone are provided only on the territory of the Russian Federation.

Commission for receiving funds - 5% of the amount of money transfer. This is a very large percentage. So, for example, if you ordered to receive 10,000 rubles, then the commission will be 500 rubles, and 10,500 rubles will be debited from your mobile phone account.

The limit on the amount of transactions for one Beeline subscriber for Unistream transfers via a mobile phone is set as follows:

the minimum amount of one operation is 1,000 rubles;
the maximum amount of one operation is 30,000 rubles;
the maximum amount of operations performed by a subscriber during a calendar month / week / day - 30,000 rubles.

Limit on the number of operations for one Beeline subscriber:

within a calendar day - no more than 10 operations;
during a calendar week - no more than 20 operations;
within a calendar month - no more than 50 operations.

How to receive a money transfer from your mobile phone:

Register on the site https://www.mobi-money.ru/transfer;
On the same site, choose the cashier for receiving funds;
Determine the amount of receipt (within the allowable limit and taking into account the commission), then make an SMS order for receipt: send an SMS to number 3115 with the text “uni XXXX cashier code”, where, XXXXX is the receipt amount, cashier code is the code of the cash desk for receiving cash funds. The cost of sending a message to number 3115 is equal to the cost of a regular SMS, according to the Beeline tariff plan that is valid for you;
The specified amount is debited from your personal account in Beeline. Two SMS messages are sent to your number - the control number of the transfer and the cashier's address.
For example, the first message: "Transfer control number: R12345678"; second message: “Address of issue: OKVKU No. 1182, Blagoveshchensk, st. Krasnoarmeyskaya 102.
You visit the point specified in the SMS-message and receive money.

Pros and cons of the Unistream system

The UNISTREAM / UNIStream money transfer system continues to develop dynamically, but in addition to pluses, it also has minuses.

The advantages of UNISTREAM money transfers include the following:

The speed of the money transfer. The transfer is available for receipt within 10-15 minutes after sending;
"SMS-informing" by the UNISTREAM system when sending a transfer from the cash desks of OJSC CB UNISTREAM. The recipient of the transfer will receive an SMS notification: “Your transfer has been sent. Transfer number R123456789. Unistream". After the transfer is issued, the sender will receive a message: “Your transfer R123456789 has been issued. Unistream".
The presence of a calculator for determining the cost of translation. The calculation of the commission for the transfer is carried out after the selection, using icons, points of departure and receipt of money.
Availability of checking the status of a money transfer, both by the sender and the recipient. To do this, you only need to know the control number of the money transfer and the name of the sender;
A significant number of money transfer terminals QIWI (QIWI), operating around the clock throughout Russia;
Availability of the service "Money transfers using a mobile phone" - for subscribers of "Beeline".
The disadvantages of Unistream money transfers include the following:
Insufficient density of service points and terminals throughout Russia, and especially in small towns and in the far east of the country.
The absence of a consolidated tariff scale for Russia in the context of partner banks - for a quick choice of the best option for the transfer cost. This can also be determined by the calculator, but many options will have to be considered, i.e. it is long and inefficient.

Despite the dynamic development of the Unistream money transfer system, individual countries of the former USSR (near abroad) are still insufficiently covered, the density of service points in individual regions is low. So, for example, money transfer to Azerbaijan can be carried out only in 8 cities, and only one bank cooperates with the UNIStream system - Royal Bank OJSC, which, today, has only 17 points in these cities. And with Turkmenistan, the Unistream system does not work at all yet.

Unistream official website: https://unistream.ru/

So, I introduced you to another Russian money transfer system, but before you choose the Unistream system for making a transfer, I think you should familiarize yourself with other transfer systems on the Bankirsha.com website. And good luck with your choice.

Material updated: 03/05/2010

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:

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;
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;
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.
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;
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 bank's work schedule.

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:

code of the country;
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 an unaddressed/addressless 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