How to make commission‑free money transfers from Russia to the CIS countries (2024)

What card isrequired for money transfers abroad

You need aTinkoff Black debit card tomake international money transfers via Tinkoff. Toget acard, just fill out aform onour website and enter your name, cellphone number, and your date ofbirth. Ifyou are anon‑resident ofRussia, you will need one ofthe following documents: amigration card, awork orresidence permit, your visa—the exact list depends onyour citizenship.

Inthe application, wewill ask you tospecify aconvenient time and place toreceive the card, e.g. your home orwork address. The bank representative will deliver the card and your bank account documents onthe appointedday. Wewill send atext message inadvance toremind you ofthe appointment. You can use your card immediately after the appointment: just top upthe account with cash atanATM ofany bank ortransfer money toyour Tinkoff card from any third-party bank’s card—there isnocard top upfee.

Download and install our Tinkoff app touse the card and send money abroad. The app gives you access toyour account. Itwill allow you topay for your cell phone services, work permit fees, and toapply for self‑employment status.

Fees for money transfer tothe CIS countries byphone number

The fees for money transfer abroad depend onthe amount ofthe transaction and onthe recipient’s currency.

Fee for atransfer. You can send upto₽20,000per month free ofcharge—there will benocommission. Ifyou send more, the commission is1%off the transfer amount.

How tosend more money commission‑free. Purchase the Tinkoff Pro subscription. Itwill allow you totransfer ₽50,000per month commission‑free. Ifyou need totransfer more, afee of1%ischarged onthe amount above this limit.

The subscription also improves other Tinkoff service conditions: nocard service fees, free notifications, more cashback for purchases, and free 600minutes for Tinkoff mobile service. The first month ofsubscription isfree ofcharge, after that—₽199per month.

Make transfers inrubles→ the amount will bedebited inthe currency ofthe recipient’s country. Asarule, the exchange rate atTinkoff isslightly different from the exchange rate set bythe Central Bank inthe recipient’s country. Inrare cases, the exchange rate may exceed this difference due toeconomic orpolitical events.

How totransfer money abroad byphone number

You can transfer money byphone number toArmenia, Uzbekistan, Tajikistan, orKyrgyzstan.

Here’s what you need todo:

1. Inthe Tinkoff app, tap the "Payments" section, then tap the entry line inthe "Transfer byphone number" section.

1. Onthe next screen, select the recipient’s phone number from your contacts ortap the flag icon and select acountry you want tosend moneyto. After that, select the recipient from the list ofyour contacts and enter their phone number manually.

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1. Based onthe phone number you have provided, the recipient’s bank, towhich their card account islinked, will beautomatically displayed. Ifseveral banks are displayed, select the one you need from the list.

1. Enter the transfer amount inrubles orlocal currency. Wewill display the current exchange rate.

1. Iftransfer commission applies, itwill bedisplayed onthe screen next tothe total transfer amount.

1. Tap "Transfer" button. You’re allset! The money will bedebited tothe recipient’s account immediately.

What else the Tinkoff Black card isgood for

Tinkoff Black card isnot only good for best‑value money transfers abroad, you can also use itasyour primary bank card.

Pay for your work permit. Toquickly extend your work permit, fill out anonline form onthe Migration agency’s website and provide your Tinkoff card details. Ifyou have your work permit fee bill onhand, you can pay itbyQRcode. Inthe Tinkoff app, choose your Tinkoff Black card→ tap "Pay''→ "Scan QRcode".

Receive your salary. Your employer can transfer your salary toaTinkoff Black card. You can also use this card toopen anaccount asself‑employed orlink ittoyour individual entrepreneur account. Todothis, ask your employer totransfer the salary toyour card and provide the account details. How totransfer your salary tothe Tinkoff Black card

Withdraw cash free ofcharge. Ifyou need cash, you can always withdraw itfrom your card atanATM. Tinkoff Black card isvery practical because itallows you towithdraw cash commission‑free: any amount atTinkoff ATMs; from ₽3,000to₽100,000atother ATMs.

Top up card without commission. You can top upyour card without any restrictions and free ofcharge atany ATMs, aswell astransfer money toitfrom any other banks' cards. For example, ifyou receive your salary inanother bank, transfer itcommission‑free tothe Tinkoff Black tosend money toyour family.

Apply for free cards for your family. You can issue asupplementary card inthe name ofadifferent person and link ittoyour Tinkoff Black card. Ifyou want your family abroad tohave asupplementary card, apply for the card inRussia and have itdelivered inperson.

How toapply for asupplementary card:

• Inthe Tinkoff app, scroll down tothe bottom ofthe "Main" tab and tap "Open anew account orproduct".

• Then select "Order additional card"→ "Tinkoff Black".

• Select who will use the card: you can issue acard for yourself orfor another person.