Bank avant-garde transfers abroad. Vanguard bank money transfers. Tariffs for common services in Avanagard Bank for legal entities

Bank Avangard offers its clients to open an account, arrange a loan or a deposit at favorable rates. To use a large number of services of this bank, you need to prepare the necessary package of documents, submit an application in any convenient way.

The advantages of opening a deposit in Avangard Bank are as follows:

• they are held around the clock and seven days a week;
• service tariffs are lower than in other financial institutions in the country;
• personal account is convenient for use;
• the client is promptly informed about each operation performed in any way convenient for him.

Tariffs for servicing in Avangard Bank for individuals

For individuals, such tariffs apply.

1. Opening, maintaining and closing an account is free.
2. The commission for receiving money from the account depends on the amount withdrawn. Up to 300 thousand rubles the client receives cash for free. Up to 10 million you must pay 2.5% of the requested amount. When withdrawing cash over 10 million, you need to pay 5% of the withdrawn amount.
3. Fee for receiving funds from a bank deposit, as well as for transferring money - free of charge.
4. The rate for a transfer to another bank is a minimum of 150 and a maximum of 1,500 rubles, the rate is 1%. The same tariff applies to the transfer of dollars or euros. The smallest fee in foreign currency is $ 25 / euro, the maximum is $ 200 / euro.
5. Payment for the transfer as fines, fees - 0%.
6. Change of payment details, cancellation or refund, request for crediting funds in dollars - $ 60 (or equivalent), in euros - 55, in rubles - 200 rubles. for each submitted document.

Tariffs for common services in Avanagard Bank for legal entities

The bank has established the following uniform amounts for servicing legal entities:

• opening the first account online - 1 thousand rubles;
• opening the first deposit in a bank branch - 3 thousand rubles;
• urgent account opening - 3 thousand rubles;
• maintaining the first open account - 900 rubles. within a month;
• opening subsequent accounts - 500 rubles within a month;
• SMS informing service is provided free of charge;
• informing by SMS in the "Extended" package - 300 rubles;
• informing in the package of services "All inclusive - 500 rubles.
• transfer to a legal entity's account - at least 25 rubles.

Tariffs for servicing foreign currency accounts in Avangard Bank

Tariff for servicing a foreign currency account - 0.075%, but not less than 400 and not more than 25 thousand rubles. excluding value added tax. This money is charged when:

• settlements for export and import operations;
• settlements for any services or goods performed;
• obtaining loans or placing money on deposits and other types of deposits;
• investing in securities;
• conducting real estate transactions.

Additional provisions

The bank may charge additional fees if the execution of the banking transaction requires other work. The same applies if the particular service is urgent.

Bank Avangard is not responsible for the timely fulfillment of its obligations or failure to fulfill them. If the transfer is returned without the fault of the institution, then the commission paid by the sender is not charged.

Services are paid in the national currency of the Russian Federation, while maintaining foreign currency accounts - at the current exchange rate. Payment in foreign currency is carried out only in cases stipulated by law.

The Bank offers its clients a wide range of services at moderate rates. Many clients speak positively about the work of this financial institution.

Avangard was once noted as the “most technologically advanced bank”. In 2012, new experts took a look at the Avangard Internet service and discussed not only the functionality, but also the features of the aesthetic component of the RBS system. Date of publication of the review - 10/30/2012

In addition to the author of the article, IT-observer of the Banki.ru portal Leonid Churikov, the editor of the Internet Banks section on the Banki.ru portal Elena Sudarikova, Deputy Director of Qulix Systems (specializing in software development and testing) Valery Tikhonovich took part in the testing of the system , Director of the Department of Design and Design of ADV / web-engineering interfaces (a company - an expert in the field of Internet solutions) Dmitry Kalinnikov, senior specialist of the Kompleto group of companies Dmitry Zilbert and BSC business consultant Denis Paschenko.

Historical reference

The Internet bank as an information service appeared in Avangard in 2003.

In 2007, clients were provided with access to information on current accounts and deposit accounts. In 2008, users were able to transfer funds from the card account to their deposits and current accounts. In June 2009, an electronic digital signature mechanism was introduced for individuals, and internal bank and external transfers in rubles were launched. In August of the same year, it became possible to make transfers in foreign currency - both from card and current accounts. Clients also got the opportunity to work with templates and send transfers via the Western Union system. In October 2009, the bank added functionality for opening time deposits online, setting a minimum period of 10 and 20 days for deposits opened through the Internet banking system, while in the office it was one month.

At the beginning of 2010, another function that was not available in the office appeared in the Internet bank - the ability to open multicurrency deposits.

In July of the same year, Avangard released an IB version for the iPhone. It starts automatically - without installing a mobile application: the system automatically recognizes the device from which the Internet bank is accessed and offers the client to use a special “smartphone” menu with a simplified interface.

In March 2011, Avangard improved the SMS-informing system, now the client receives notifications not only on card accounts, but also on current accounts. All SMS are divided into two packages: basic and additional. In the Internet bank, it became possible to independently configure the parameters of SMS informing, an SMS history appeared with a detailed decoding of the meaning of short messages.

In April 2011, a module for purchasing air tickets (any airlines for flights in any direction) was launched in IB. The user can independently choose the route, book and pay for tickets from any current or card account, including on credit.

In October 2011, "" established an extended operating day for accepting online orders for external ruble transfers. Private clients in all regions of the bank's presence were able to send external ruble transfers until 20:30 Moscow time.

In November 2011, a card transfer service appeared in IB (based on card numbers issued by Russian credit institutions).

At the end of 2011, Avangard introduced an online hotel booking service.

In the spring of 2012, it became possible to confirm transactions using SMS codes, and in the fall, the bank added a module for the sale of railway tickets to the IB.

As of October 2012, more than 480 thousand users are registered in the Avangard Internet bank. About 210 thousand clients log into the system every month. There are about 50 thousand mobile bank users.

Among the Avangard Bank's counterparties, which can make instant billing payments (using ready-made templates), there are 260 counterparty organizations.

Connection

When concluding an agreement to connect to the Avangard IB, the most difficult thing was to find a bank branch. Outside the huge multi-entrance building on Bolshaya Tulskaya Street, there is no sign indicating the presence of a bank branch inside. The call center advised to inquire about the location of the bank office from the employees of the supermarket located in the same building. This helped to determine the entrance where the branch is located, after which it was not so difficult to find representatives of Avangard.

All the necessary documents were completed in the express office in 20 minutes.

Service cost

The bank provides the client for free with everything necessary for effective work in the Internet banking system, including a bank card, a scratch card with passwords (it can be used as an alternative to SMS passwords) and even a USB flash drive with an electronic signature.

The SMS informing service is also free.

Thus, the main costs in Internet Banking are related to sending external transfers, for which Avangard charges a flat fee of 10 rubles, regardless of the transaction amount.

Login to the system

The initial login to the Internet Bank is the number of the card issued by the bank, and the password is the code word for it. Using these details, the client can enter the system in any situation, even after changing the login and password to his own. If desired, by calling the support service, entry by card number and code word can be blocked. But the bank does not see any particular danger here. Entering the bank is accompanied by sending an SMS notification, in which case the client can block the session, then change the code word and thereby prevent further unauthorized logins to the system.

When entering the Internet banking system for the first time (by card number and code word), Avangard automatically offers the client a new digital login and password, which can be changed, if desired, in the Settings section (to change the login and password, you do not need to enter an additional one-time password).

It will not be possible to log in to the system at the same time from different computers - the earlier session will be interrupted.

Upon entering the Internet Bank, an SMS notification is received indicating the IP address from which the connection to the system was made.

System functionality

Accounts and deposits

Through IB, you can open a deposit in rubles, dollars and euros, as well as a multicurrency deposit. Deposits opened online via the Internet bank can be closed remotely in the same way. A deposit opened in a department cannot be closed in IB, but it will be displayed in the system. You can order funds when closing a deposit only through the office.

Cards

You can order a credit or debit card "Avangard" using the appropriate section of the banking website. There is no such possibility in the Internet Banking functionality (development is underway). There is also no functionality for issuing a virtual card.

In the IB, the user sees a list of his cards, the available balance, the size of the credit limit, the amount of debt on cards and the amount of the minimum payment, as well as a list of transactions performed.

There is an online card blocking function.

In addition, the client can submit an application to restrict card transactions, in particular the following:

Apply for a change in the credit limit (for credit card accounts);

Change online limits on card transactions (in the context of each card);

Cash withdrawal: amount per day, number of cash received per day;

Limit transactions on the Internet (except for transactions in IB), indicating the number of transactions per month and the amount of monthly expenses;

Limit transactions for payment for goods and services (the amount of payments per month and day and the number of monthly and daily transactions);

Limit all expense transactions (the sum of monthly and daily expenses and the number of transactions).

In IB, the client can see how much of the limit for a particular card he used and how much is left.

There are no limits on the amount of transfers for current accounts / deposits.

In addition, the Internet Bank has functionality for making instant card transfers using the card numbers of Russian banks (both of two third-party banks, as well as Avangard cards and a third-party bank). There is no need to link third-party bank cards to perform this kind of operations.

Translations

With the help of the IB system, you can carry out ruble and currency transfers.

Timing

The client can make transfers between his accounts (in the bank "Avangard") instantly. As well as transfers to the accounts of individual entrepreneurs and legal entities opened in Avangard. Transfers to accounts of individuals (in "Avangard") and accounts opened in other credit institutions are carried out by the bank during the current operating day (the day of sending the application). During testing, the money transferred from was credited to the Avangard account in about three hours. An external transfer to Sberbank was carried out in four hours (after two hours the money reached the settlement center, two hours later it was credited to the account in the receiving bank).

Limits

For its part, Avangard Bank does not limit the size of an internal or external transfer made through IB.

Tariffs

For a ruble transfer to another bank according to the details, Avangard charges a fixed amount of 10 rubles. If the transfer request is created in the evening (from 17:30 to 20:30), the bank by default offers the sender of funds to pay an additional commission (in excess of the standard 10 rubles) for the execution of the transaction on the current day. The amount of such an additional commission is 0.075% (minimum 75 rubles). The sender can refuse to pay an additional commission (upon confirmation of payment), in which case the operation will be executed not on the current, but on the next business day, but for the usual fee of 10 rubles.

Transfers to other banks in euros and dollars are subject to a commission of 0.2% (minimum $ 15, maximum - 150).

The commission for instant transfers from card to card (by card numbers) depends on which bank issued the card: when transferring from an Avangard card to a card of another bank - 1% (at least 30 rubles). A transfer from a “foreign” card to an “Avangard” card is subject to half the commission - 0.5% (the minimum is the same - 30 rubles). A card transfer, in which only cards of third-party banks are involved, is subject to a commission of 1.5% (at least 60 rubles).

Utilities payments in the capital are subject to a commission of 0.5% of the payment amount, the commission for Mosenergosbyt services is slightly more - 0.55%. In other cities, according to the information provided by the bank, payment is made without commission.

There is no extra charge for hotel services and air tickets paid through IB. Bank Avangard is a member of the International Air Transport Association and has agency agreements with airlines. When selling railway tickets, an agency fee is charged (this is a requirement of Russian Railways), which is indicated in the IB until the payment for tickets. The amount of the fee depends on the cost of the ticket.

Card transfers by card numbers, if the transaction does not involve an Avangard card, are possible within the same payment system (Visa or MasterCard). If the Avangard card is involved in the transfer, then you can transfer from a Visa card to a MasterCard card and vice versa.

Payments

Among the bank's counterparties, who can be paid according to ready-made templates, there are about 260 organizations.

In payments, you can filter out transactions, leaving the grace period, which are covered by the grace period on the card, and / or payments made without a commission.

From e-wallets, using ready-made templates, you can replenish accounts in QIWI and WebMoney systems.

Payments using ready-made templates are limited to 15 thousand rubles, and operations to replenish electronic wallets - 14,999 rubles.

Loans

In the IB, users of credit products can see the following information:

Help account for any reporting period - information about the interest rate, the minimum payment (indicating its formation: the amount of debt, the amount of interest), the reported amount of debt (in the context of preferential / non-preferential), information about whether the minimum payment was made whether the condition of the grace period for payment is met, how much money has been deposited into the account since the beginning of the reporting period, a breakdown of the calculation and repayment of interest debt);

Credit limit, current interest rate, interest rate, which will be in the next reporting period;

Current debt (the same as the account statement, but for the current, unfinished reporting period): the amount of the credit limit, the interest rate for the current period, the interest rate for the next period, the amount of the minimum payment, whether the minimum payment has been made, what is the total amount was contributed from the beginning of the current month, the reported amount of debt, the condition of the grace period for payment (fulfilled / not fulfilled), the amount of funds reserved (authorized), but not debited from the account, warnings, decoding of the calculation and repayment of debt, interest with details from month and day up to the operation with an indication of its details.

Accrued but not paid interest;

Accrued but not redeemed commissions;

Explanation of the order of repayment of the current debt, including the date and time of the operation and its write-off, a description of the operation, its amount and place, the amount of the overdraft for the operation, including preferential, non-preferential, the amount of the payment made earlier, the balance of the debt.

Smartphone Apps

The bank currently has an option to use a simplified interface optimized for the iPhone. Upon entering the Internet Bank from the specified smartphone, the system will automatically detect the device and offer to use the corresponding interface. At the same time, external payments, internal transfers to accounts of other bank clients and Western Union money transfers via a smartphone will be possible using templates prepared in advance and signed through Avangard Internet-Bank.

Smartphones with other operating systems (Windows, Android) are not recognized in the same way, and the Internet Banking interface remains standard for their users.

Security

Having in its asset three ways of confirming transactions (SMS codes, codes from a scratch card and from a flash drive - an EDS generator), the bank did not stop there and began to offer VIP customers cards with a display and a code generation function.

Transfers between your accounts, as well as transfers to another bank, are confirmed by a one-time code.

But when changing the access parameters in the IB (login or password), a one-time password is not required.

In an SMS message with a code confirming the transaction, the recipient and the amount of the payment or transfer are indicated.

The session time limit (by default it is 15 minutes) can be easily changed in the "Settings" section.

Documents available in Internet Banking

IB users can print documents (with bank notes) after completing the following operations:

Standard payments (bank stamped receipt);

Intrabank ruble payments to third parties (payment with the bank's mark “Completed”);

Interbank ruble payments (payment with the bank's mark "Executed");

Interbank currency payments (payment with the bank's marks “Accepted through the Internet-Bank system”);

Sending transfers through Western Union (receipt in the form of Western Union without bank stamp);

Receipt of funds through Western Union (receipt in the form of Western Union without a bank seal);

Transfer from card to card (receipt with the bank's seal);

Payment for air tickets (form of an electronic ticket without a bank seal);

Payment for railway tickets (a form of an electronic railway ticket without a bank seal in the form of JSC Russian Railways).

The client can view statements on card and other accounts for the entire period of service in the bank. There is no limitation on the limitation period.

Informativeness and usability

Like many "home" developments, the Avangard Internet Bank over the years is increasingly becoming a system "for their own". That is, a solution that seems close to optimal for many old bank customers, but the same cannot be said for newbie users. The dry "tabular" design of information security may at first scare off, but upon closer examination, the system turns out to be much more friendly than it seems at first glance. Even an inexperienced user will not be difficult to accomplish most of the tasks. But "cooking in its own juice" is felt. For example, when transferring to another bank, it is mandatory to enter the TIN of the recipient - an individual. If you know that the data in such a case can be replaced with ten zeros, life becomes easier, but the user needs to bring this knowledge with him, there is no hint in the Internet bank for this case. But we are pleased with the speed of dialing to the technical support service, where you can quickly clarify such points.

One of the striking know-how of information security "Avangard" can be considered a detailed configuration of SMS messages: the user can specify for which accounts he wants to receive certain notifications, and for which - not. It can be emphasized here that all SMS notifications for Avangard Bank clients are free of charge. They are divided into three categories: SMS with general information, SMS for invoices and SMS for cards. For each category there is a basic package, which includes the most important events, and messages for other events. Different phone numbers can be specified for all notifications.

The IB sections, where the user can book a hotel, buy railway and air tickets, are made in a standard extremely strict design, but neatly and "conscientiously", with a search, demonstration of offers with the lowest price, etc.

Disappointing, perhaps, is that in the Avangard information security system, the adjustment of the system to the needs of the client (personalization) concerns mainly the settings of functionality, but not the appearance.

Communication with the bank

As a rule, it is possible to get through to the bank within a minute. The competence of answering questions related to Internet banking is quite high, it is clear that the bank is focused on online customer service.

Conclusions of the experts of the Banki.ru portal

The bank independently, for a long time, has been developing the information security system as a real tool for servicing clients. Avangard is slowly but surely moving in the absolutely right direction, not trying to openly make money on the very fact of providing this or that online service. The ideology in the spirit of "Internet service is convenient for the client, he saves his time and has to pay for it", despite the fact that some banks adhere to it, has no future. In Avangard, apparently, they realized this long ago. The Internet bank is gradually being turned into a convenient and attractive tool for making purchases in every sense. An example is the system for ordering air tickets built into IB, for the purchase of which the Avangard cardholders will not receive bonuses if the payment was made not through IB.

However, Avangard's attempt to gradually turn cybersecurity into a popular payment instrument does not take into account the sentiments of Generation Y - people growing up on Internet technologies. To attract them, a modern Internet bank must have not only an abundance of settings and data available for viewing, but also an appearance that corresponds to fashion trends. For people accustomed to touch technologies and widgets, "fixed" interfaces with an abundance of tables that cannot be customized, increasingly seem not only ugly, but also intuitively incomprehensible. Foreign banks (for example, British Barclays) already offer clients to "fold" the information security interface almost like a puzzle, moving the necessary accounts and functional modules across the screen.

Commentary by Denis Pashchenko

The first glance at this solution gives rise to clear associations with accounting programs of the beginning of the last decade: a simplified design and tedious movement across screens when performing any operation. Therefore, the menu structure and navigation in the system is fairly standard and generally matches the user interface experience.

However, a closer look reveals quite a few advantages of this system.

I really liked the volumetric setting of SMS informing - this is a progressive direction in the development of online RB systems. The second plus of the solution was the “Bring your friends” loyalty program for me, which got a place inside the system. Program data is concentrated in one place and is transparent to the client. Undoubtedly, an important feature of this solution was the possibility of purchasing air and railway tickets and booking hotels. This is the right step towards taking care of the client and generating income through affiliate programs.

In conclusion, I would like to point out a few errors in the solution that are easily corrected by the developers.

1) The table with the history of the document looks rather strange for ordinary users, and its purpose in the system is not very clear to me. Why would a user know that he confirmed the transaction with a one-time password or that the payment was approved by some bank employee with a specific surname? But if these steps are not taken, then the operation simply will not take place and its history will not take place at all. If the table is given for the analysis of controversial situations, then it is all the more strange to load the client with these details - everything that he says to the contact center employee over the phone when analyzing the situation, the operator will see with his own eyes through the administrative console of the application or from the system logs.

2) Displaying empty tables in the system is bad manners. If the client does not have any product, then on the corresponding page he should see a message, for example, "You have no accumulative accounts", and not three tables with colored headers containing exactly zero significant lines.

On the whole, the system of Avangard Bank does not correspond to the bank's image as an outstanding player at the federal level. The "Internet-Bank" system is more like a spontaneously developing "self-written" solution based on the technologies of the last decade, which includes the implementation of several interesting and relevant RBS ideas.

The maximum amount of one transfer is 70,000 rubles, the minimum is 100 rubles. You can make no more than 4 transactions per day, the monthly limit is 600,000 rubles.

Transfer from the card "Avangard" to the card

You can make a transfer from an Avangard card to a card of any other bank in Russia. You can use this service around the clock. A special SSL protocol ensures the security of the transfer and keeps your data secret, so you can not be afraid to carry out transactions with money over the Internet. Transactions are available for debit and credit cards, which do not have their own restrictions for making online transfers. Online money transfer between cards saves you time and is completely safe.

Frequently asked questions about transfers by Avangard card number

Between which banks can a transfer be made?

Using our form, you can make a transfer between any banks: between two cards of the Avangard bank, from the Avangard card to the card of another bank, or from the card of any bank to the Avangard card.

What cards can I transfer money between?

Transfer is possible between any debit and credit cards of individuals and legal entities (IE or LLC forms) of the VISA (Visa) or MasterCard / Maestro (MasterCard / Maestro) payment systems. The sender's and recipient's card can be salary or corporate. The only requirement: the card from which the transfer is made must have 3-D Secure protection.

Funds transfer fee

To calculate the commission, indicate in the transfer form the amount, the sender's bank card number and the recipient's card. The system commission is only 1.6% of the transfer amount, but it cannot be less than 50 rubles. In rare cases, there may be an additional commission from the bank that issued the card.

How quickly will the transfer reach the recipient?

Usually money comes almost instantly! For example, Tinkoff Bank cards and VISA cards of other banks received money immediately in 2020. Money can go to MasterCard and Maestro cards of Sberbank up to 1 day. The transfer is sent immediately and the time of crediting to the account depends only on the recipient's bank, according to the law, the bank must credit the money no later than 3 business days.

What do you need to know about the recipient's card in order to make a transfer?

To make an online cash transfer through our service, you only need to know the number of the plastic card to which you want to send money.

How to make a transfer?

To transfer funds, you need to enter your card number and its expiration date on the front side, as well as the CVC2 / CVV2 security code on the back of the card.
After that, you must indicate the number of the card to which you want to transfer cash.
After that, you just have to enter the desired transfer amount, confirm that you agree with the terms of the offer and click the "Transfer" button.
The money will be automatically debited from your plastic card and in 5 minutes will be on the recipient's account.

You can transfer funds not only through mail, but also through commercial banks - to the current account of the recipient. Provides, for example, money transfers "Avangard" - one of the banks, whose offices are represented in different cities of Russia. Even without opening an account with this financial institution, through it you can make a transfer in US dollars and in Euros according to the recipient's details. In addition, the bank has the popular payment systems "Unistream" and "Western Union", but if this is the case at the moment, it is not a fact that the bank "Avangard" will abandon one or both of them or both at once after a while. At least, this has already happened with the Contact payment system.

Money transfers "Avangard" in Russia

In this context, you need to figure out what the most reliable money transfers "Avangard" in Russia can provide in rubles. Of course, these are transfers from card to card within the same bank, as well as the above payment systems. Both the one and the other work with the national currencies of Russia and the United States, and Unistream also works with the currency of the European Union. You should pay attention to the fact that even if Avangard's offices work late - and often they do - this does not mean that a transfer will be accepted from you: some payment systems stop working earlier and become unavailable.

How long does a money transfer take at Avangard?

If you send money through the Internet bank from Avangard via Western Union, then it is indicated there that they pass instantly. The second payment system is served only through the bank's offices. Delivery time is positioned as 10 minutes. But you should always remember about the recipient's side as well. It is not at all a fact that he will be able to receive money immediately, because the issuing office may simply not work at this time due to the difference in time zones, a local national holiday in one of the autonomous regions, or just a day off. Avangard Bank offices may work on Saturday, and some even on Sunday. But then again - they may not accept transfers these days.

Money transfer commission in "Avangard"

If you want to know how much it will cost you to transport material assets over a distance, the commission for money transfers in Avangard without opening an account will be at least 25 US dollars or the same amount in euros. If the commission exceeds the minimum amount due to the large transfer amount, then it will be 1%. On the one hand, the interest rate is not that high, on the other hand, the minimum interest rate is clearly intimidating. As for the other two transfer methods - through payment systems, please note that they are not available in all bank offices, information about them is available on its website. On the other hand, it does not indicate the percentage of transfer for either Western Union or Unistream.

Money transfer is a kind of movement of funds that allows, with the help of payment system operators, to transfer the sender to the recipient. Today there are a lot of such payment systems, and they are different, all differ in speed, methods, and most importantly - tariffication. You can make such transfers both internally (in your own country), as well as abroad.

Transfer methods

The Western Union is an American company that is ranked first in the world for money transfers. It has existed on the market since 1851 and is still very successful today. This kind of transfer is very fast and safe, you can receive money at any branch around the world. To make the transfer itself, you need to come to the bank branches, or in the Internet bank. Be sure to have a passport with you to receive / send, fill out the form (name, recipient country) amount. Pay the cost of the service itself, and the main thing is to inform the recipient about the transfer - a ten-digit number.

Contact is a Russian system that allows a legal entity to make transfers in three currencies - dollar, euro and Russian ruble. Such transfers are carried out to 170 countries of the world. Payment formats: cash, to Visa, MasterCard, e-wallet accounts, to the account of legal entities and individuals.

UniStream

UniStream is a licensed commercial bank operating in Russia itself and in the CIS countries. It has been on the market since 2001, and in 2013 it was recognized as the "Best money transfer system in Eastern Europe". She has her own online transfer service, and even issues her own Visa cards.

To other banks without opening a bank account

Transfers without opening an account with Avangard Bank can be made using known bank details in US dollars and euros. Commission 1% of the transfer amount in any currency.

To other banks from an account in Avangard

It is possible to make transfers to other banks from an account opened with Avangard Bank with a maximum amount of 100,000 rubles per day, no more than five transfers from one card, with a fixed commission of 1.5%. The money goes no more than 2-3 days.

Transfers from card to card can only be made in rubles, if it is a different currency, then the conversion takes place at the bank's rate, with a commission of 1%. Transfer limits have also been set.

Transfer from Avangard to Sberbank card

A transfer that is made to a Sberbank card has a commission of 1.5%, and a commission can also be charged from your bank (please specify), with a maximum amount of 100,000 rubles. The money is received within 2-3 days.

Popular methods and instructions for them

The most popular translations are WesternUnion and Contact. What you need to do:

1. Fill out the electronic document form in the Internet Bank.
2. Obtain the MTCN control number, inform the recipient.
3. The transfer amount should not exceed 90,000 rubles.

Restrictions and limits

Bank limits:

1. For cash withdrawals.
2. For internet payments (except for internet banking).
3. For transactions to pay for goods and services.
4. The total amount of expenditure transactions on Visa and MasterCard cards for money transfers, transfers from card to card, when paying for financial services.

Possible problems and solutions

The bank's problem is that the commission is charged for SMS - informing, and many do not like it. They explained everything by saying that this is compensation to the bank. The solution to the problem is to enable free “push” notifications.