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Russian legislation allows individuals to make transfers without opening an account in Russian rubles on the territory of Russia

The absence of the need to open an account significantly minimizes the time of sending and receiving monetary funds.

- The basis for the Payer's funds Transfer from the account or without opening an account shall be the Payer's order within the scope of the applicable EFT (electronic funds transfer) forms of completed payment document in the form established by the Bank, indicating the necessary complete and reliable Transfer details, including the Beneficiary’s details (further - the Order). The Order must contain information which enables to fulfill the Transfer.

- The Bank carries out identification of the Payer when making the Transfer in order to comply with the requirements of the legislation, including for counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism, in accordance with the internal regulatory documents of the Bank and the requirements of the current legislation of the Russian Federation.

- The Transfer is carried out upon presentation of the ID by the Payer in accordance with the legislation of the Russian Federation; and in the case a Transfer is carried out by the Payer's representative, also a Power of Attorney and/or other documents confirming the powers of the representative. If the Payer fails to provide such documents, the Bank shall have the right to deny making the Transfer. Identification is carried out upon provision by the Payer of an identity document approved by the legislation of the Russian Federation.

- The Payer's Order is executed by the Bank within the scope of the applicable forms of EFT in the amount specified in the client's Order. The Transfer is carried out within the period not exceeding three working days, starting from the day of debiting. The Transfer of funds to bank accounts being a part of a treasury single account (TSA) is carried out within the period not exceeding one working day following the day of cash provision by the Payer for the purpose of funds transfer without opening a bank account.

- A commission shall be charged from the Payer for making a Transfer in accordance with the “Commission Rates charged for transactions on accounts and transfers of individuals” of the Bank in force as of the date of the Transfer acceptance. The Bank's remuneration cannot be deducted from the amount of the Money Transfer, and is paid by the Payer in excess of the Transfer amount.

For receiving money transfer sent via money transfer systems, the Payer must provide the following information to the Beneficiary: transfer number, full name of the sender, transfer amount and transfer currency.

- Possible restrictions related to receiving money transfer on the territory of a foreign state can be found in the section “Individuals” / “Payments and transfers” / “Money transfer systems”.

-The transferred funds disbursement can be carried out by crediting funds to the Beneficiary’s bank account, as well as by issuing cash to the Beneficiary.

- The Payer may revoke the Transfer prior to the moment the Transfer becomes irrevocable (prior to the moment the funds are debited from the Payer's bank account or prior to the moment the Payer provides cash for the purpose of funds transfer without opening an account, unless otherwise has been specified by law) by submitting an application for Transfer cancellation. The application for Transfer cancellation is accepted by the Bank only on the day of submission of the Transfer application until the specified moment when the Transfer becomes irrevocable and in the same structural subdivision of the Bank in which the Transfer has been accepted, upon presentation by the Payer of the identity document and the document issued to him when making the Transfer.

- When accepting an application for Transfer cancellation, the money subject to refunding shall be the amount of Transfer deposited previously by the sender; the commission for making the Transfer shall not be refunded to the client.

- In case the Transfer has not been issued to the Beneficiary, the transferred funds refund is carried out on the basis of the client's Application.

- When accepting an application for the refund of the transferred funds, the money subject to refunding shall be the amount of Transfer deposited previously by the sender, the commission for making the transfer shall not refunded to the client.

- The Bank shall not be responsible for the impossibility of making a Transfer, or its untimely performance, if such non-performance is caused by reasons beyond the control of the Bank, including as a result of providing the Bank with false information by the Payer.

- The Bank shall not be responsible for non-performance or untimely performance of the Payer's Order to transfer funds if such performance depends on certain actions of a third party, and non-performance or untimely performance is due to the fact that the third party fails or refuses to perform the necessary actions, performs them in violation of the established procedure or is unavailable to the Bank.

- The Bank shall not be responsible and shall not return to the Payer the payment received for the Transfer made as a result of the data erroneously indicated by the Payer in the text of the payment document, violation by the Payer of the requirements of the Russian Federation legislation, as well as in other cases when, for reasons beyond the control of the Bank, the Transfer cannot be provided to the Beneficiary.

- The Bank is liable for the Payer's losses caused solely by non-compliance on the part of the Bank with the requirements of the current legislation of the Russian Federation, in case there is fault in the action or inaction of the Bank.

- Information concerning the possible risks of obtaining unauthorized access to the information provided by the Payer to the Beneficiary for receiving a money transfer and recommended measures for their reduction is posted in the section “Individuals” / “Payments and transfers” / “Money transfer systems”.

- Disputes between the parties shall be considered in a pre-trial claim procedure. The Payer's claim shall be submitted in writing to the office which has carried out the Transfer; or by a registered mail to the Bank. Contact information of the Bank: 13/52, Pushkin str., the city of Kazan, 420111. www.energobank.ru -the website of the Bank on the Internet. Contact phone numbers: 8-800-350-54-58, 293-93-93.

The claim review period is 30 calendar days from the date of the claim receipt by the Bank. If the dispute has not been resolved in a claim-based manner, it may be referred to the court.

- Restrictions on the implementation of money transfers may be established by regulatory acts of the Central Bank of the Russian Federation.

To make a transfer without opening an account, you will need:

• Fill out a standard application form-receipt for the transfer; therefore you should be aware of the bank details, the address where the transfer is sent and the account number of the Beneficiary.

• Pay for the money transfer services of the Bank.

• Deposit the transfer amount to the Bank cash desk.

The Client is issued a receipt of the established PD-4 form and a printout of the receipt cash order with a personal stamp and signature of the cashier as a confirmation of accepting cash for transfer without opening an account and paying for the bank services.

In addition, the Bank makes transfers in foreign currency from the Russian Federation and receives the transferred foreign currency in the Russian Federation by individuals without opening current currency accounts

Transfers without opening an account are not carried out if they are related with the implementation of entrepreneurial activity, investment activity, and acquisition of real estate rights or are made with the participation of individual entrepreneurs.

Resident individual

• by a resident individual in his own name or in the name of another resident individual

• by a non-resident in the name of a resident individual

can transfer foreign currency transferred to the Russian Federation

• for operating expenses

• for other purposes in accordance with the legislation of the Russian Federation.

Non-resident individual

• A non-resident individual may receive foreign currency transferred to the Russian Federation in his favor without restrictions;

• A non-resident individual may transfer foreign currency from the Russian Federation within the limits of the amount confirmed by documents on the origin of the foreign currency funds.


центральный офис банка
8 800 350-54-58
Казань
420111, Республика Татарстан,
г. Казань, ул. Пушкина, д. 13/52