Money transfers "Zolotaya Korona": procedure from "A" to "Z. Golden Crown What is the Golden Crown System

Payment systems are in great demand in the market. Through Contact, WesternUnion or MoneyGram, people receive and send transfers to any country in the world. More than 22 years ago, a new player appeared - "The Golden Crown". A small commission, a fast transaction speed, a wide network of branches - this is a short list of the advantages of the system. Read more about how to make money transfers "Golden Crown" below.

History

Initially, Zolotaya Korona was positioned on the market under the brand of Russian plastic cards. Over 10 years of operation, the system has constantly increased the technological, operational capabilities and the number of partner banks that service cards. In 2003, a new service was introduced - money transfers "Zolotaya Korona". In 2013, the system became socially significant. The amount of transfers per year exceeds 400 billion rubles, the network includes 500 banks and 41 thousand service points operating in Russia, Ukraine and other CIS countries.

Transactions

The system works without opening an account. Funds can be transferred in rubles, dollars and euros. The commission depends on the amount and the country of the recipient. The tariff grid has two features. Firstly, the cost of the service is the lowest on the market for instant non-address transfers within the CIS. Moreover, at one time it was the dumping of the Zolotoy Korona that contributed to the decline in prices. Secondly, the tariffs of the system are advisory in nature. The cost of a transfer in the same country may fluctuate depending on the bank. In general, tariffs fluctuate between 0.5-1.6% of the amount. Some regions have restrictions on the maximum amount of commission. That is, sending large transfers is more profitable.

Limits are set taking into account currency legislation and system requirements. Today in Russia they amount to 599 thousand rubles, 20,000 dollars, 15 thousand euros. But there is also an internal limitation. Within 24 hours, a resident will not be able to send to another country an amount that exceeds the equivalent of $ 5,000 through the Zolotaya Korona system. The bank simply will not process money transfers.

Process

To send or receive payment, you should contact the service point with a passport and money. In Moscow, for example, you can turn to Rublevskoe shosse, 11, building 2 or st. Professionalnaya, 5v, and in St. Petersburg - on the street. Hospital, 4 or Bolshevik Avenue, 32, building 1a. In any large (and not so) cities there are plenty of service points.

Transfers are carried out on request. You need to indicate your full name, city, country and pay for the operation. An exact address is not required, as the recipient will choose the service point himself. He only needs to tell the number of the transfer from the check.

When carrying out the operation, the branch employees will offer to issue a card of the same name. It allows you to send payments through self-service kiosks. The latter work like other terminals. Necessary:

• insert the card;
• enter a pin code;
• select the recipient from the list of regions;
• indicate the currency of the transfer;
• enter cash (rubles);
• confirm the transaction;
• print a receipt with the transfer number.

The card greatly speeds up the application process. The information from the plastic card does not have to be re-entered into the receipt.

Informing

Money transfers "Zolotaya Korona" in Moscow or any other city can be issued on the basis of notification of the recipient about the transaction. To do this, the phone numbers of the sender and the recipient should be indicated in the application form. Messages are convenient because they immediately indicate the transaction number. There is no need to re-memorize or write it down.

Receiving funds

Non-address transactions. You can receive the Golden Crown money transfer at any point of issue of the specified city. You only need to provide the operator with the application number and passport. The legislative acts of the country may additionally stipulate other documents required for registration of the operation. You can check the status of the operation on the website of the system itself by the control number of the transaction.

The system "Zolotaya Korona" (money transfers) works online. You don't even need to look for the addresses of branches and partners. Instead, issue a Kukuruza card and transfer funds to it.

More about the map

For registration of plastic, you need to provide a passport and 100 rubles. This amount is immediately credited to the account. Registration in the system takes a maximum of three minutes. Upon its completion, the owner of the plastic can issue money transfers "Golden Crown", accumulate bonuses, pay for goods and services of utilities via the Internet. For the convenience of users, a personal account was created on the system website. To access it, you must specify the card barcode and date of birth. The password is sent in the form of SMS.

You can pay by card outside of Russia. To confirm the transaction, you only need to sign the check. But it is not worth keeping a large amount of funds on the account. The card is not personalized. Therefore, if it is lost, fraudsters can use the money. With the help of this plastic, money transfers "Golden Crown" can be sent in cash or through an electronic wallet.

System advantages

1. Speed. The amount of funds is available for withdrawal immediately after assigning the number. But you should take into account the operating hours of the issuing points.

2. Convenience. Since the transactions are unaddressed, it is enough to specify only the country and city to send a payment. The client chooses the point of issue himself. The data can be corrected if the payment has been processed but not paid. Only branch employees can make changes to applications.

3. Notifications. Through the website or via SMS, you can track the status of the application. Upon completion of the processing process, the parties to the transaction receive appropriate messages. For comparison, Western Union charges an additional commission for this service, while UNISTREAM users have to notify the recipient on their own.

4. Simplicity. Transfer limits without opening an account, although limited by law, are generally quite high.

5. Reliability. The payment is stored in the system for 60 days.

"Golden Crown" in Ukraine

Money transfer through "Zolotaya Korona" has been operating since 2006 and is not inferior in popularity to Western Union. Limitations on the amount of the transaction are UAH 16 thousand or the equivalent in foreign currency. The legal limit is UAH 49.99 thousand. Residents of Ukraine also have access to a card for frequent transfers. You can issue it through a partner bank. The tariff for payments to the CIS countries fluctuates within 0.5-1%, for other directions - 1.5%. The fastest way to get deals is through Privatbank. In addition to a well-developed network of branches, the lending institution makes it possible to receive and send transfers without leaving home, through Privat24. The procedure takes 2-3 minutes, funds are credited to the card instantly.

Output

"Zolotaya Korona" is a system of addressless instant money transfers. Its main advantages: low commission, high limits, a wide network of branches. The application can be made through a partner bank or online through the website of the payment system.

Instant transfers "Zolotaya Korona" is one of the most modern and unique Russian money transfer systems for individuals. Instant money transfers are made without opening an account. The money transfer system - its full name is "Zolotaya Korona - Money Transfers" - was developed by the Center for Financial Technologies (CFT). The system of instant transfers is actively developing and promoting throughout Russia, the CIS countries and the far abroad. The first money transfer "Zolotaya Korona" through the system was carried out on April 10, 2003.

Logo of the system "Zolotaya Korona - Money Transfers"

The Zolotaya Korona brand is a patented brand of the national payment system of Russia, which includes the whole range of services in the field of cash and non-cash payments. Zolotaya Korona - Money Transfers is one of the types of services provided to clients using the Zolotaya Korona brand. Today the Zolotaya Korona - Money Transfers brand is popular in many regions of the country and is easily recognizable throughout Russia.

Currently, the network of the instant money transfer system is represented in the following CIS countries: Abkhazia, Azerbaijan, Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Uzbekistan, Ukraine.

The money transfer system unites 250 banks in Russia and the CIS and large Russian cellular retailers. The total number of points of the system "Zolotaya Korona - money transfers" exceeds 20,500 points on the territory of Russia and the CIS countries. Transfers through the Zolotaya Korona - Money Transfers system are carried out by many Russian banks, including: Vostochny Express Bank, MDM Bank, Uralsib Bank, Moscow Regional Bank, Spetssetstroybank, Ural Transport Bank , "Asia-Pacific Bank", "Dalcombank", "Chelyabinvestbank", OJSC JSCB "Perminvestbank", JSCB "Yenisei" (OJSC), OJSC "Vostokcreditbank", CJSC "Mega Bank", OJSC CB Mordovpromstroybank, etc. ...

In addition to partner banks, which account for the bulk of the service points of the Zolotaya Korona - Money Transfers network in Russia and the CIS, Sistema's services are also provided by large Russian retailers: Svyaznoy, Alt Telecom, Euroset and MTS- Retail ".

The State Enterprise “Posta Moldovei” (“Post of Moldova”) has also joined the system “Zolotaya Korona - Money Transfers”, thanks to which 1200 post offices in this country will issue its transfers.

To expand the geography of the presence of points of acceptance and delivery of transfers, CFT Company is actively implementing projects for the integration of the system "Zolotaya Korona - Money Transfers" with other similar money transfer systems. To date, 5 integration projects have already been implemented with such money transfer systems as: "MoneyGram" (USA), "PrivatMoney" (Ukraine-Russia), "Caspian Money Transfer" (Azerbaijan) and "AVERS" (Ukraine), express transfers " FASTER "(Kazakhstan). The cooperation of the systems allowed the participating banks to make transfers to more than 190 countries of the world.

The system "Zolotaya Karona - Money Transfers" provides an opportunity to make instant money transfers without opening an account in the following currencies:

Money transfer cost is charged only from the sender and is determined at the conclusion of an agreement between CFT and specific banks, i.e. takes into account the individual approach of each bank and its wishes. Translation cost is:

• in Russia - 1.5% of the transfer amount
• to CIS countries - from 1.5% to 3% of the transfer amount
• to China - USD 25 regardless of the amount transferred

Tariffs "Zolotaya Korona - Money Transfers" in the context of individual countries - participants look something like this:

Direction	Remuneration of the Bank of the sender RUR (%)	Sender's Bank remuneration USD (%)
Russia	1.5	-
Georgia (Abkhazia)	1.5	1.5
Azerbaijan	1.5	1.5
Kyrgyzstan	1.5	1.5
Tajikistan	1.5	1.5
Armenia	1.5	1.5
Moldova	1.5	1.5
Ukraine	1.5	1.5
China	-	$ 25 regardless of the transfer amount

The cost of transfers for individual banks differs from the above transfer rates. For example:

• in JSCB "YENISEI" (OJSC) commission for transfers - 2%,
• Agroprombank commission for transfers for Tajikistan - 1.75%
• at OJSC SCB Primorye "Primsotsbank" tariffs for transfers within Russia - from 0.8%

Transferring money through the "Zolotaya Korona" system has attractive features for the client:

• transfer speed - the transfer takes place in real time and the withdrawal of money is possible within 1-15 minutes after its sending, and transfers sent to the points of the Anelik and PrivatMoney systems become available for issuance within 24 hours.
• addressless transfer - when sending a transfer, only the country and city of the recipient are indicated, which allows the recipient to choose the most convenient issue point for him within the specified country. An exception is made by transfers sent with the participation of Anelik and Caspian Money Transfer systems - they can be received only at the point of the recipient's bank where the transfer was sent.

Maximum transfer amount:

• In Russia - 500,000 rubles;
• Abroad - for residents of the Russian Federation - up to 5,000 US dollars (~ 135,000 rubles);
• Abroad - for non-residents of the Russian Federation - up to USD 20,000.

Minimum transfer amount:
Some banks also set a minimum transfer amount. Thus, in Perminvestbank, the minimum transfer amount is limited to 2,000 rubles, or 50 US dollars.

CFT's philosophy is innovation and well-grounded pragmatism. This philosophy allows the Zolotaya Korona - Money Transfers system to be not only a classic money transfer service, but also to constantly increase the number of innovative solutions. So, today a whole range of related innovative solutions has already been implemented:

• The ability to check the status of the translation on-line on the system's website: after sending the transfer, go to the company's website and follow the link "Transfer status". In the window that appears, enter the number of the transfer you sent (it is indicated in the transfer form), click the "Check status" button and get information about the movement of the transfer (for example: "issued", "ready to issue", etc.).
• Sending SMS notifications about the status of the transfer.
• Implementation of the transfer sender card "Zolotaya Korona" for regular customers. Such a card is convenient for systematic translations (for parents, children-students).
• Sending transfers using self-service devices, the so-called Cash Transfer Cashier. "Cashier for money transfers" is a specific ATM "Golden Crown" with the function of accepting cash (Cash-In)
• Identification of the sender by card and PIN-code through POS - terminals, without presenting a passport or identity documents for repeated transfers.

Thanks to innovative solutions, banks can carry out transfers "Zolotaya Korona" in two ways:

• In the traditional way - through the points of banks;
• In an innovative way - through a self-service device (Cashier for money transfers).

The traditional way of transferring money

1. The procedure for sending a transfer "Zolotaya Korona - Money transfer":
   
   
   1. Come to any service point of the Zolotaya Korona money transfer system;
   2. Show your passport;
   3. Name the amount and currency of the transfer, the country and city to which you are sending money, and the name of the recipient. Select a bank convenient for the recipient from the list.
   4. Check the "Application for transfer" issued by the operator;
   5. Enter the transfer amount with a commission to the cashier;
   6. Get a copy of the transfer form from the operator;
   7. Inform the Recipient of the transfer number and the address of the pick-up point.


2. The procedure for receiving the transfer "Zolotaya Korona - Money transfer":
   
   
   1. Contact the Bank at the address provided by the Sender;
   2. Inform the operator that a money transfer has been made to your name through the "Zolotaya Korona - Money Transfers" service. State the number, amount and currency of the transfer;
   3. Show your passport and apply for a transfer;
   4. Receive money at the cash desk subject to the requirements of clause 3.


3. The bank can issue a transfer if the requirement for simultaneous compliance with two conditions for issuance is met, namely:
   
   
   • coincidence of the last name, first name, patronymic of the recipient in the identity document presented by him with the data specified in the electronic bank order;
   • coincidence of the unique transfer number.

An innovative way to transfer money - self-service The system "Zolotaya Korona - Money Transfers" was the first in Russia to introduce into commercial operation a new technology for processing money transfers through cash registers. The first translation was completed in February 2007. More than 200 such devices are in operation now.

What "Zolotaya Korona - Money transfers"

"Zolotaya Korona - Money Transfers" (represented in the non-CIS markets by the Koronapay brand) is a service of international instant money transfers without opening an account, founded in 2003 in Russia. The service provides services on the territory of Russia, in the CIS countries and far abroad.

Service "Zolotaya Korona - Money Transfers" is presented in the infrastructure of more than 550 partners and has over 49 thousand service points in bank branches, as well as in the retail chains "Svyaznoy", KNOW HOW (ION), "Maximus" and others.

The service provides a money transfer service in 32 countries: Abkhazia, Austria, Azerbaijan, Belarus, Belgium, Bulgaria, Great Britain, Vietnam, Greece, Georgia, Egypt, Israel, Jordan, Spain, Italy, Kazakhstan, Cyprus, China, Kyrgyzstan, Latvia, Moldova , Mongolia, Nepal, Netherlands, Portugal, Russia, Romania, Tajikistan, Turkey, Uzbekistan, France, Czech Republic.

System advantages "Gold Crown"

Before deciding whether to use the payment system, you should familiarize yourself with the advantages that Zolotaya Korona provides:

Reliable protection system;

A wide network of points of receipt and issuance of funds;

Low rates;

Availability of mobile applications

Special conditions for clients

"Zolotaya Korona" regularly offers its clients special rates for sending money transfers. For example, a special 0% rate applies to sending currency money transfers with conversion at the Zolotoy Korona rate.

Translations, carried out with the help of the "Golden Crown"

Transfer from a bank card with cash withdrawal

Holders of bank cards of the international payment systems VISA, MasterCard, Maestro of any bank of the Russian Federation can send a money transfer through the website using the Zolotoy Korona online service. The addressee will be able to receive the translation in a few minutes at any point of delivery of the transfers in the system. The service is also available in a mobile application for devices with Android and iOS operating systems.

Cash transfers in the offices of banks and retail chains are also carried out according to a simple and understandable algorithm:

You should go to the nearest bank or salon-shop cooperating with the Zolotaya Korona system and ask the operator to make a transfer;

Confirm your identity with a passport, provide the data of the recipient of the transfer;

The operator will automatically generate and offer to sign an application for sending a transfer, no paperwork will be required;

Transfer the desired amount to the cashier (do not forget to take the check);

Provide the recipient with the transfer number. You can get it right away.

Transfer money from one bank card to another

Holders of bank cards of the international payment systems VISA and MasterCard, any bank of the Russian Federation can send a money transfer from one bank card to another using the online service "Zolotoy Korona".

For transfers from card to card in the system there is a tariff of 0.5% (at least 25 rubles)

How to get a transfer from Zolotoy Korona

First you need to decide on the place of receiving the translation - a full list of suitable items is presented on the website - http://www.koronapay.com ... We recommend that you call the selected bank office in advance and clarify the working hours, as well as the availability of the required amount (relevant for receiving large amounts). The operator must provide the transfer number, present a passport. There is no commission for receiving the transfer. The operator will form an application for the issue of the transfer, after which the money can be received. Let's consider the advantages and disadvantages of a money transfer service.

Let's consider the advantages and disadvantages of this service.

Pros of translation

There is no need to open a bank account;

A large number of points of sending and issuing transfers - Not only banks cooperate with the system, but also trading networks "Beeline", "Euroset", "KARI", "MTS", "Maximus", "KNOW HOW" (ION), "Rostelecom" , "Messenger" and others. It is possible to send a transfer online without leaving your home.

Low shipping fees.

The transfer is carried out instantly;

Funds are kept in the system for three years.

Cons of translation

The commission percentage may differ from the stated one.

Currency exchange

"Zolotaya Korona -" is a high-quality and modern way of performing transactions online using a Visa, MasterCard or Maestro card. You can get currency in cash at any time convenient for you.

Track profitable rates and exchange rubles for US dollars or euros online 24x7. Before making a transaction, make sure that the card belongs to you and supports 3-D Secure technology.

Currency exchange takes place within a couple of minutes, after which you can pick up your currency as a regular money transfer "Zolotaya Korona" within three years from the date of sending. The service is also available in a mobile application for devices with Android and iOS operating systems.

Gold crown loan

"Zolotaya Korona - Loan Repayment" is a service that allows customers of any bank of Russia and the largest microfinance organizations of the Russian Federation to borrow or replenish a deposit or deposit funds into an account, as well as replenish cards of international payment systems VISA and MasterCard in a wide infrastructure of service points: in branches Federal State Unitary Enterprise, retail network of salons "Euroset", "MTS", "Maximus", "Frisbee", offices of "Beeline" and Agent.ru, as well as cash desks of partner banks. The service infrastructure includes more than 40 thousand points.

Transport Card

Service "Zolotaya Korona - Transport Card" (brand "Electronic Travel") has been operating on the market since 2006 and is currently represented in 16 regions of the Russian Federation, as well as in the city of Almaty (Kazakhstan). More than 1 billion trips are registered in the Electronic Pass every year. More than 20,000 vehicles are connected to the system; during the project's operation, more than 6 million transport cards have been issued.

The Zolotaya Korona transport card is a multifunctional innovative technology that allows you to organize non-cash payments for, as well as serve other social, banking and financial applications.

The main activity of "Zolotoy Korona" is the organizational and technological support for the functioning of a group of retail payment services of its own design on the basis of a universal processing platform. As part of its product line, Zolotaya Korona provides operational, payment clearing, settlement services to credit institutions in the Russian Federation and the CIS, as well as to non-credit institutions involved in the provision of payment services to the population.

In addition, Zolotaya Korona provides technology outsourcing services, providing operational services to organizations promoting products under their own brands in the financial market.

Performance indicators

2018: Growth of turnover by 9%

In 2018, with the help of the Zolotaya Korona - Money Transfers service, individuals made over 39 million transactions totaling 856 billion rubles. Compared to 2017, the growth in the number of transactions was 5%, and in terms of turnover - 9%. The average transfer amount was 21.8 thousand rubles, Zolotoy Korona reported on February 4, 2019. More details.

History

2019

Opening of service points in London and Essex

The MirAccept 2.0 protocol is a proprietary development of the NSPK and is implemented on the EMVCo specification. Its principal feature is that in addition to traditional methods of user authentication using codes from SMS messages and push notifications, MirAccept 2.0 will allow the use of external authentication based on biometric data, a graphic key or the issuer's mobile bank.

As part of the project to connect the Zolotaya Korona PC to the MirAccept platform using the MirAccept 2.0 protocol, CFT has developed software, carried out its vendor testing, as well as cross-host testing of online purchases using Mir cards.

Comprehensive testing confirmed the full compliance of the technical parameters and settings of the processing center with the NSPK requirements to support the MirAccept 2.0 protocol and the readiness of the Zolotaya Korona PC to organize Internet acquiring of the Mir payment system cards.

The Zolotaya Korona processing center offers banks a wide range of possibilities for issuing cards of payment systems: Mir, UnionPay, Zolotaya Korona, local card products, as well as a multifunctional service Self-service network management for managing an acquiring network (ATMs, payment terminals , POS terminals).

2016

Turnover growth 12%

In 2016, with the help of the Zolotaya Korona - Money Transfers service, individuals made over 34 million transactions totaling 745 billion rubles. Compared to 2015, the turnover growth was 12%.

In 2016, 66 credit institutions from Russia, Azerbaijan, Georgia, Moldova, and Tajikistan became members of the Zolotaya Korona - Money Transfers service. The total service network of the service currently exceeds 49 thousand points.

In 2016, the geography of the service was also actively expanding. The countries in which money transfers "Golden Crown" are available are joined by the EU states: Italy, Spain, France, Belgium, Austria, Portugal and Romania, as well as Vietnam, Egypt, Jordan and the United Arab Emirates. Today money transfers "Zolotaya Korona" are available in 32 countries of the world.

In 2016, Zolotaya Korona introduced the online translation service to the market. The service of instant money transfer from a bank card with receipt of cash in the entire infrastructure of the payment system can be used both through the website and using mobile applications for devices with Android and iOS operating systems.

Data for Kazakhstan

According to the National Bank of the Republic of Kazakhstan (NB RK), the largest volume of both incoming and outgoing money transfers in October 2016 fell on the Zolotaya Korona system. In October 2016, over 200 thousand transactions in the amount of 38 million tenge were sent from Kazakhstan abroad through various systems. Among 14 international systems, Zolotaya Korona is confidently leading, its share is 41, 2% of the amount of all money transfers sent outside Kazakhstan. Compared to October 2015, this figure increased by 7.2%. In the same period, individuals from abroad sent 22.7 million tenge to Kazakhstan. Over 10 million tenge (45.8% of the total amount) of which was transferred through the "Zolotaya Korona", which also provides the system with the first place in the rating.

The Zolotaya Korona money transfer service has been operating in Kazakhstan since 2008, the partner network exceeds 1.2 thousand service points throughout the republic. The service participants are 18 leading credit institutions of the country. In October 2016, Tsesnabank joined the Zolotaya Korona system, which is one of the TOP-3 leading financial institutions in Kazakhstan in terms of assets.

The Zolotaya Korona processing center is certified to issue and service Mir cards

In the summer of 2016, certification testing of the Zolotaya Korona processing center for the issue and acquiring of cards of the Mir payment system was completed as part of the certification of one of the participants who joined the Mir substation. PC "Zolotaya Korona" fully complies with the requirements of the payment system for the organization of the process of issuing and servicing Mir cards.

The certification procedures included vendor testing of software developed by CFT, a leading Russian banking software provider, for the Zolotaya Korona processing center, managing hosts, as well as for acquiring infrastructure: ATMs, self-service devices, terminals. In the final part of the certification, test cards were issued and test operations were carried out.

Comprehensive testing confirmed the full compliance of the technical parameters and settings of the processing center with the NSPK requirements and the readiness of the Zolotaya Korona HRC to organize the issue and acquiring of cards of the Mir payment system by partner banks.

2015

Turnover growth 9%

In 2015, with the help of the Zolotaya Korona - Money Transfers service, more than 30 million transactions were made between individuals in the amount of over 665 billion rubles. 58 organizations in Russia, CIS countries and far abroad became new members of the service last year.

Financial and credit organizations from Russia, Azerbaijan, Georgia, Kazakhstan, Tajikistan, Kyrgyzstan became new participants of the service "Zolotaya Korona - Money Transfers" in the reporting period. It is especially worth noting the accession to the service of the leading banks of the near abroad - VTB Bank (Georgia), Kazkommertsbank Kyrgyzstan OJSC, Subsidiary Bank of Sberbank of Russia Joint Stock Company (Kazakhstan), ATFBank (Kazakhstan), Kapital Bank OJSC (Azerbaijan), OJSC Rabitabank (Azerbaijan). In 2015, the Zolotaya Korona money transfer service became available in the Rostelecom - Retail Systems Sales and Service Centers.

The geography of instant money transfers without opening a Zolotaya Korona account has expanded due to the connection to the service of new directions: Latvia, Bulgaria and Cyprus. Today money transfers "Zolotaya Korona" are available in 27 countries of the world, the total service network of the service exceeds 49 thousand points.

The Bank of Russia completed an assessment of the Zolotaya Korona payment system

The Bank of Russia has completed an assessment of the socially significant payment system "Zolotaya Korona" for compliance with the recommendations of the Central Bank of the Russian Federation on the use of standards and world practice set out in the document "Principles for Financial Market Infrastructures" developed by the Committee on Payment and Settlement Systems of the Bank for International Settlements and the International Organization of Commissions on securities. The assessment covered the activities of the operator of the SS "Zolotaya Korona" (RNKO "Payment Center", LLC), the involved operator of payment infrastructure services (CJSC "Zolotaya Korona"), as well as the functioning of the payment system as a whole.

According to the report of the Bank of Russia, “in terms of the scale of its activities, PS Zolotaya Korona is one of the largest private payment systems in the Russian Federation. As of June 1, 2014, 480 participants have joined the Rules, including 377 participants-money transfer operators; 103 participants - foreign banks ”.

Of the 12 Principles for compliance with which the Zolotaya Korona PS was assessed, four Principles are fully observed in the payment system, basically seven Principles are observed, one Principle is partially observed. During the assessment of the Zolotaya Korona payment system, the principles that received the rating “not observed” were not identified.

2014

Turnover growth 6%

In 2014, using the service " Zolotaya Korona - Money transfers»More than 31 million transactions were made between individuals in the amount of 608 billion rubles. 119 organizations in Russia, CIS countries and far abroad were added to the list of service partners. For 12 months of 2014, the turnover growth was 6%. During the reporting period, 119 financial organizations became new partners and service participants. By entering new markets, the service is available in 19 countries around the world. The total service infrastructure exceeds 48 thousand points.

Service " Zolotaya Korona - Repayment of loans», Which provides services for payment of debt on loans, replenishment of accounts and cards for clients of any bank and the largest microfinance organizations in the Russian Federation, increased the service infrastructure by 30%, bringing the network to 12 thousand points throughout Russia. The turnover of the service "Zolotaya Korona - Loan Repayment" in comparison with 2013 increased by 64%, and the number of payments - more than 1.5 times.

"Zolotaya Korona - Services for MFOs"

The Zolotaya Korona payment system, summarizing its experience in technological partnership with microfinance market participants in building mini-markets for financial services, has combined a range of services for MFOs into a single complex of products - Zolotaya Korona - Services for MFOs. Among the clients using the complex solution for MFOs are the leaders of the microfinance market in Russia: Home Money, Viva Money, BystroDengi, Finterra, Nano-Finance, Cashlot, Express Money, etc. Microfinance organizations - partners of "Zolotoy Korona" issued more than 250 thousand cards in 2014, the total amount of loans issued for cards exceeded 5 billion rubles.

2012

Turnover growth 67%

The number of transactions increased by 44% to 26 million, and the service turnover increased by 67%, exceeding 424 billion rubles. Agreements on the provision of money transfer services in 2012 were signed with 99 banks in Russia, Georgia and the CIS countries. Thus, the infrastructure of the Zolotaya Korona - Money Transfers service has increased by another 6 thousand service points.

One of the strategic directions of the service remains the development of services in the domestic Russian market: last year, the turnover in this segment grew by 94%.

As for cross-border transfers, the service turnover grew by 60%. Leadership of "Zolotoy Korona" among all transfer systems is confirmed by the official data of the Central Banks of the Republic of Kyrgyzstan - No. 1, Georgia - No. 1, the Republic of Kazakhstan - No. 1, Ukraine - No. 2.

Victory in the Omsk Region in the competition for the development of the register of Universal Electronic Cards

In May 2012, the Ministry of Labor and Social Development of the Omsk Region summed up the results of the tender for the development of a register of universal electronic cards (UEC) and its implementation in the interests of the Omsk Regional Information Center. The latter is an authorized organization for issuing UEC to citizens of the region.

As follows from the tender documentation, the UEC register in the Omsk region is necessary for preparing the issue of cards for circulation, managing the process of connecting new public services provided in the region, as well as information about the services that are part of the consolidated register of public services. In addition, the register is needed to ensure the process of processing citizens' applications for the provision of public services using the UEC and the management of "keys" and certificates that are used to interact with other organizations involved in the process.

The initial tender price for the work was about 8 million rubles, and a total of six companies took part in the tender. The company "Zolotaya Korona", based in Novosibirsk, won the tender, having reduced the initial contract price by 106.09%, to minus 490 thousand rubles. Another participant that offered a negative price in the competition was "Company Extreme Pro" from Yekaterinburg.

Money transfers "Zolotaya Korona" are transfers without opening an account, an important feature of which is addresslessness. Those. you can get money exactly where it is closer, faster and more convenient.

Actually, the essence of the procedure is that each transfer is assigned a unique number, knowing which the recipient can pick up the funds addressed to him. The transfer is carried out instantly - in a few seconds the money will be available to the addressee.

The Zolotaya Korona system has been operating in the market since 2003 and cooperates with many banks (today there are more than 550 of them), in the branches of which you can send or receive a transfer. The most famous are Mosoblbank, Uralsib Bank, Moskombank, Vostochny Express, Sovetsky Bank, MDM Bank and others. It must be said that many users regret that there are no such large financial institutions as Sberbank, Gazprombank, Bank of Moscow among the partners of the system.

But on the other hand, you can send "hard-earned money" at any office of the retail chains "Svyaznoy", "Euroset", "MTS", TNK-BP. In total, there are more than 49,000 service points in all countries where Zolotaya Korona operates.

About tariffs

Many users consider the Zolotaya Korona tariffs quite attractive, but it all depends on the amount and country of transfer. So, for example, a tariff of 0.5% (min 25 rubles) applies to transfers from card to card in the system.

In addition, a 0% tariff applies to sending transfers in foreign currency with conversion at the system's exchange rate at the time of the transaction (the tariff is valid from 10.06.2015 in the banks participating in the service). In order not to pay a commission, when making a transfer at the bank, you must select a currency that is convenient for the recipient (rubles, dollars, euros, one of the national currencies) and pay for the transfer in a currency other than the transfer currency. For information on available currencies for each country, check with the bank operator when making a transfer. The list of points for sending transfers at a 0% rate can be found in the information center: +7 495 9600 555 (around the clock).

Where and in what currency can the transfer be made

The Zolotaya Korona system allows you to send funds across the territory of Russia, the CIS, Georgia and some non-CIS countries.

The system's website indicates that money can be transferred in rubles, US dollars and euros. Let's clarify some of the nuances. For example, Orient Express, Smartbank and Uralsib Bank work (except for rubles) only with dollars. You can transfer euros at the branches of Otkritie Bank, Art-Bank, Rosenergobank, etc.

How to send a transfer "Zolotaya Korona"

You can send money through the Zolotaya Korona system in three ways:

• Through an employee in a branch of a partner bank or in a Svyaznoy, Euroset, MTS store, by filling out an application for transfer;
• With the help of a self-service kiosk “Cashier for money transfers” and at ATMs that accept cash (for example, “Cash-in” ATMs of Accept-Bank, payment terminals of “Uralsib” bank);
• Through the Internet .

When making a transfer for the first time, only first way ... In this case, the following actions are performed:

1) You present an identity document;

2) Fill out an application where you indicate:

Transfer direction (only country and city);

Full name of the recipient (be careful, you need an exact match with the passport data!);

Phone numbers (your own and the recipient's);

3) Deposit money to the cashier (including commission);

4) The transfer is assigned a 9-digit number, which should be known only to you and the recipient;

5) The recipient receives an SMS message with the transfer number, by which he will take the money.

We draw your attention to several important points.

At first, some partners of the system (for example, Moskombank and Accept Bank) require to indicate not only the recipient's city, but also the bank to which the transfer is made.

Secondly, these and other banks provide the opportunity to improve the security of the transfer using a security question (do not forget to tell the recipient the correct answer).

Thirdly, not all service points support the automatic SMS notification service (for example, Otkritie Bank and Smartbank have such a service, and Uralsib Bank and some others offer to independently transfer the “cherished” number to their loved ones). In any case, we advise you to play it safe (especially if you are sending for the first time): it is better to contact the recipient and personally tell him the transfer number, as well as the fact that it was sent using the Zolotaya Korona system.

At the first registration of the transfer, you will be prompted to receive Money Transfer Card , on which the necessary information about you and all the recipients specified by you is entered. Do not refuse - it is issued free of charge and is designed to facilitate the process of sending money in the future. With the Money Transfer Card, you are relieved of the need to fill out an application form every time, it is enough to hand it over to an employee and present your passport.

Only cardholders can use the second way sending a transfer - through a self-service kiosk or ATM. It is necessary to insert the card into the receiver and enter the PIN-code; select the desired addressee from your list and the currency in which he will receive the money; insert bills (only in rubles) and confirm the amount; receive a check, where the transfer number is indicated, and inform the recipient of it.

To send money the third way (ie via the Internet), you need to receive and replenish the Kukuruza card in the Euroset salon, use the card number to enter the Payment Cabinet on the website http://kykyryza.ru (the Money Transfers tab) and make a transfer from card balance. If the recipient also has a Kukuruza card, you can send money to it.

Also, a transfer via the Internet is possible for clients of financial institutions that support Internet banking Faktura.ru (banks "Accept", "Levoberezhny", "Rosinterbank", etc.). To do this, in your personal account in a specially designed form, you need to indicate the exact name and surname. addressee, amount, then select the country and city of receipt of the transfer.

How to get a transfer "Zolotaya Korona"

You can get money at the branches of partner banks. To do this, you just need to show your passport and tell the employee the name of the Zolotaya Korona system and the transfer number received in an automatic SMS or from the sender.

You can always check the status of the transfer online - enter the control number in a special form on the Zolotaya Korona official website.

As you can see, many nuances need to be taken into account when transferring funds using the Zolotaya Korona system. We hope our tips will help you.

Transfer from a bank card with cash withdrawal

Holders of bank cards of international payment systems Master c ard, Maestro,Visa issued by any Russian bank can send a money transfer through the site using the online service "Golden Crown". The recipient will be able to receive the transfer in a few minutes at any point of issue of the transfers in the system. The service is also available to users of the mobile application for Android and iOS devices.

Transfer money from one bank card to another

Holders of bank cards of Visa and Master payment systems c ard of any bank of the Russian Federation can send a money transfer from one card to another using the online service "Zolotoy Korona".

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