Transferring money from Belarus to Russia: affordable ways. Payment options How to pay rubles to Belarus by bank transfer
The Russian Federation and Belarus are friendly countries. They are united both by economic, cultural relations, and by the kinship of the people. Therefore, many Belarusians have close people abroad. Transfers of funds in this case are not uncommon. However, not everyone knows how to transfer money from Belarus to Russia. There are several ways to send payments to other states.
Main methods of money transfer
Money transfers from Belarus to Russia are carried out in several ways. The most popular among them are:
- international shipments carried out through Belpochta;
- use of services of the international level MoneyGram, Western Union;
- cooperation with Russian banks using Contact, Unistream, Blizko services;
- electronic payments via the Internet.
Each of them has features. In order to find out how to transfer money from Belarus to Russia, it is worth getting acquainted with the features of various methods.
Belpochta
Belpochta provides money transfer services to various states. In addition to Russia, the list also includes Vietnam, Serbia, Albania, CIS countries.
You can’t name a popular way of transferring through Belpochta. Payment can go to the place of receipt for a long time. The transfer of funds across Belarus takes place within 4 hours. After receipt abroad, the transfer can be delivered at best after 2 days. Some citizens receive payment after 5 days. At the same time, the tariff for such a service is clearly overpriced.
There is an allowed limit on sending money. You can send via Belpochta to Russia no more than 90,000 Russian rubles. Shipping to other countries should not exceed $500.
This method also has a major advantage. Belpochta is constantly working on expanding the network of branches. Therefore, you can send money anywhere. Also, clients can use the transfer service with notification of the recipient and a message about the receipt of funds in writing.
International translation systems
Money transfer from Belarus to Russia can be carried out using international systems. Featured companies moneygram and Western Union known all over the world. They help clients quickly transfer payments to any countries and continents. Due to many years of experience, they are in demand systems. This causes higher interest rates, which are taken as a commission.
Each system has its own characteristics:
Money transfer services
Transferring money from Belarus to Russia is carried out using well-known services. Common ones are:
- Blizko;
- Unistream;
- contact.
When choosing a transfer system, it is worth finding out the transfer limit through various systems. Unistream allows transfers of no more than $20,000 per day to neighboring countries. The Blizko service sets a maximum threshold of $16,000.
Bank account
Funds can be transferred by transferring to a bank account. To do this, you need to know the details of the addressee. These include:
- correspondent account of a banking organization;
- OKATO code.
To obtain them, you can contact the bank branch. Then it is worth visiting a financial institution where the client has an open account. He will need to fill out an application that indicates permission to transfer funds. You can make a note about a one-time or permanent withdrawal of money. The name, details of the recipient's organization, and the addressee's data are also entered in this form.
After receipt of funds to an open account, they are debited. In a few days they will be on the recipient's account.
Electronic money
The transfer can be made to an electronic wallet. A common service is WebMoney. To transfer money, the sender and recipient must have wallets in the system.
Crediting is made in a few hours after sending. In addition, each transaction is paid. The commission is 0.8% of the payment amount.
To transfer, select "Wallets" - "Transfer"
When transferring funds, it is worth remembering the tax legislation of Belarus. It sets a certain limit. If it is complied with, no further action is required. If the amount exceeds a certain value, then the sender must submit a tax declaration to the bank. As of 2011, the limit is set at 70 million Belarusian rubles.
Transaction passport
Settlement reporting
Responsibility for violations of currency legislation
Tax Attorney Gordon A.E.
accompanying transactions for 15 years
Get ready!
After the signing by Russia, Belarus, Kazakhstan, Kyrgyzstan and Armenia on May 29, 2014 of the agreement "On the Eurasian Economic Union", the supply of goods from Russia to Kazakhstan acquired the features of domestic Russian or domestic deliveries of goods. At the same time, the existence of this agreement and the Customs Union did not cancel the existence of the independent states of Russia and Belarus. Therefore, participants in the supply of goods from Russia and Belarus, if one is registered in Russia and the other in Belarus, are economic entities of different states.
For the currency legislation of Russia, legal entities established in accordance with the legislation of the Russian Federation are residents of the Russian Federation, and those created under the legislation of Belarus are not residents of the Russian Federation. Thus, the supply between Russia and Belarus is a transaction between a resident and a non-resident of the Russian Federation, and the settlements for such transactions are regulated by the Law of the Russian Federation “On Currency Regulation and Currency Control”.
What to consider when making deliveries between Russia and Belarus
Settlements for deliveries from Russia to Belarus and vice versa are currency transactions for the parties, regardless of whether they use rubles or foreign currency for this. Participants in such transactions will be under currency control, which imposes additional obligations on them - the provision of additional documents to the bank. Failure to comply with these obligations will result in fines. And in case of systematic violations, banks may refuse to carry out settlements on export-import transactions to the client.
Rule 1:
Settlements through accounts in authorized banks
As a general rule, currency transactions between residents of the Russian Federation and non-residents are carried out without restrictions. For settlements under supply agreements with Belarus, residents use accounts in Russian banks in rubles or in foreign currency. At the same time, settlements with non-residents can only be carried out through authorized banks - banks established in accordance with the legislation of the Russian Federation and entitled, on the basis of licenses from the Central Bank of the Russian Federation, to carry out banking operations with funds in foreign currency.
In this sense, "authorized banks" are almost all Russian banks. In order to avoid surprises, already at the stage of preparing a supply contract with Kazakh partners, it is recommended to clarify this issue with the bank where the Russian organization has a bank account. For example, some banks do not serve foreign trade operations, or make excessive demands on their customers.
Rule 2:
Repatriation of foreign currency and currency of the Russian Federation
For residents of the Russian Federation - participants in foreign trade transactions, this means the obligation to receive into their accounts the proceeds from the sale of goods, works, services within the period established by the foreign trade contract, as well as to return the prepayment if the foreign supplier did not complete the delivery. Control over compliance with the deadline is carried out by an authorized bank through the accounts in which the resident of the Russian Federation makes settlements under the contract.
The bank controls compliance with the terms of settlements with the help of the Transaction Passport.
Rule 3:
Passport of the transaction for the supply from Russia to Belarus and from Belarus to Russia
A transaction passport is issued for each transaction with a non-resident by an authorized bank, according to documents submitted by a resident of the Russian Federation. Exceptions are transactions in the amount of less than 50 thousand US dollars (or its equivalent at the exchange rate of the Central Bank of the Russian Federation).
The transaction certificate states:
1) the number of the transaction passport and the date of its execution;
2) information about the resident and his foreign counterparty;
3) general information about the foreign trade transaction (date of the contract, number of the contract (if any), total amount of the transaction (if any) and currency of the transaction price, date of completion of the fulfillment of obligations under the transaction);
4) information about the authorized bank in which the transaction passport is issued and through the accounts in which settlements under the transaction are carried out;
5) information about the re-issuance and the grounds for closing the transaction passport.
The rules for issuing transaction passports are established by the Central Bank of the Russian Federation in Instructions of the Central Bank of the Russian Federation dated 04.06.2012 No. 138-I “On the procedure for residents and non-residents to submit to authorized banks documents and information related to foreign exchange transactions, the procedure for issuing transaction passports, as well as the procedure for accounting by authorized banks foreign exchange transactions and control over their implementation” (hereinafter referred to as the Instruction).
Thus, when delivering goods to Kazakhstan, a Russian resident exporter is obliged to provide the authorized bank with a transaction passport and the necessary documents as soon as possible:
— If foreign currency earnings are credited to the resident's account - no later than 15 days from the date of its crediting to the transit account;
- If the obligations under the contract are fulfilled by exporting the goods from the territory of the Russian Federation and customs declaration is not applied - no later than 15 working days after the end of the month in which supporting documents were issued - transport (transportation, shipping), commercial documents (clauses 6.5.5, 9.2 Instructions).
To open a transaction passport, a resident of the Russian Federation provides the authorized bank with the following documents and information at the same time:
1) Completed one copy of the PS form (Form 1 and (or) Form 2)
2) A contract, the fulfillment of obligations under which requires registration of a PS, as well as information on the terms of settlements under the contract;
3) Other documents and information subject to the requirements of the Instructions of the Central Bank of the Russian Federation, including documents and information that contain information (including information determined (calculated) by the resident independently) specified by the resident in the completed PS form
4) Notification received by the tax authorities at the place of registration of the resident about the opening (closing) of the account.
Important: The Bank may not accept a contract for servicing and refuse to issue a transaction passport only on the grounds established in the Instruction. For example, "If there are grounds to believe that foreign exchange transactions are carried out for the purpose of laundering proceeds from crime."
Re-issuance of the transaction passport
The transaction passport under one contract can be reissued more than once.
That, in accordance with paragraphs 8.1, 8.3, 8.4 of the Instructions when making changes and (or) additions to the Contract that affect the information contained in the executed TP, or changes in other information specified in the executed TP (except for changes in information about the TP bank), the resident sends to the PS bank an application for reissuing the PS, documents and information that are the basis for making changes to the PS, no later than 30 business days after the date of making the relevant changes to the Unified State Register of Legal Entities.
Often there is a change in the address of the location of the organization during the execution of the contract or changes are made to the text of the contract.
- If during the execution of the contract its conditions change, check if there are any grounds for reissuing the transaction passport.
- When changing the address of a Russian resident, re-register the transaction passport!
Rule 4:
Providing information on foreign exchange transactions
When crediting funds to a transit account under a foreign trade contract, a resident of the Russian Federation is obliged to provide the authorized bank with a Certificate of foreign exchange transactions and relevant documents. The duty is assigned to both exporters and importers.
Typical violations of currency legislation under contracts with Belarus and responsibility for them
Transaction passport not issued:
- a resident of the Russian Federation did not submit the relevant documents, submitted not on time, not in full, etc. – liability under Part 6 of Art. 15.25 of the Code of Administrative Offenses in the form of a fine, for officials - 4 - 5 thousand rubles, organizations - 40 - 50 thousand rubles.
Repeated similar violation - officials - 14 - 15 thousand rubles, organizations - 120 - 150 thousand rubles.
The transaction passport has not been reissued:
If such re-registration is mandatory - liability under part 6 of article 15.25 of the Code of Administrative Offenses of the Russian Federation - for organizations from 40-50 thousand rubles,
Repeated - 120 - 150 thousand rubles.
Failure to submit a certificate of foreign exchange transactions(for organizations):
- according to part 6.3 of article 15.25 of the Code of Administrative Offenses of the Russian Federation up to 40-50 thousand rubles.
With repeated - up to 120-150 thousand rubles.
Belarus is a member of the EAEU, and all members of this union have a single customs territory. This means that there are no customs duties, tariff regulation measures, declarations and state control in mutual trade. It is easier to import goods from the EAEU countries than from others, but even here there are some peculiarities: the conclusion of a contract, the payment of VAT, the preparation of documents for the tax office. Read the article on how to legally import goods from Belarus.
How to conclude a contract with a supplier from Belarus
The first step in organizing imports is signing an agreement with the supplier. Write down important points in the contract with the Belarusian side.
Contract limit. The amount of deliveries within the framework of one contract should be limited to a limit value. If your contract is concluded for more than one delivery, then all shipments should not exceed the amount specified in the contract.
Choice of contract currency. The currency legislation of Belarus allows settlements in Belarusian rubles and foreign currency. To use Russian rubles as the currency of the agreement, you need to set the official exchange rate. For settlements with a Belarusian supplier, you will need a foreign currency account even if you pay in Russian rubles.
Calculation terms. Terms of payment for the delivery of goods from Belarus usually do not exceed 90 days. This is prescribed by Decree of the President of the Republic of Belarus No. 178, according to which the Belarusian supplier must transfer the cost of the goods sold to his account within 90 days from the date of shipment of the products. If he breaks the rules, he will be fined.
In order to compensate themselves for the fine, the Belarusians include a penalty clause in the contract for late payment. It can significantly exceed the amount of penalties that threaten the supplier - up to 2% of the amount of the foreign trade transaction for each day of delay, but not more than the amount of the transaction. Check the proportionality of the penalty offered by the Belarusian side.
If you do not have time to pay, then take care of the permission of the National Bank to defer payment for the transaction in advance.
VAT on imports from EAEU countries
There is no customs clearance between Belarus and Russia, it is of a notification nature. There are no fees for crossing the border, and the procedure for paying VAT is fundamentally different.
VAT for imports from Belarus will have to be paid by you and will be administered by the Russian tax authority. That is, you will not pay VAT to the Belarusian supplier as part of the cost of goods or customs, as when importing from other countries, but transfer it directly to the budget of the Russian Federation.
Your taxation system is unimportant, importers on special regimes are also required to pay import VAT. The place of registration of the supplier of goods and the type of contract also do not matter. You pay VAT when:
- the right of ownership passes to you on the territory of Belarus or the territory of Russia;
- you receive goods from a supplier through a commission agent, attorney or agent;
- you buy goods from a Belarusian supplier, and they are shipped through Kazakhstan;
- if the supply agreement is concluded with a supplier not from the EAEU, and the goods are shipped from the territory of Belarus to Russia.
That is, regardless of the country of origin, you pay VAT when importing goods from Belarus.
Import VAT exemption is granted to:
- goods listed in article 149 of the Tax Code of the Russian Federation, 150 of the Tax Code of the Russian Federation and Decree of the Government of the Russian Federation of 30.04.2009 No. 372;
- goods transferred under an agreement between Russian organizations;
- when transferring goods within one organization;
- when transferring goods in the regime of a free customs zone.
Keep records of exports and imports in the Kontur.Accounting web service. Simple accounting of foreign economic activity and ruble operations, taxes, automatic payroll and reporting in one service
When importing goods from Belarus and the EAEU countries, you will have to calculate the amount of tax yourself, although customs officers do this for imports from third countries.
Standard tax rates are 20% and 10%. The rate of 10% is valid for goods included in the list of clause 2 of Art. 164 of the Tax Code of the Russian Federation.
The tax base for VAT is determined on the date of acceptance of imported goods for accounting with the taxpayer. The base itself is calculated based on the value of the goods under the contract. When buying for Belarusian rubles, the cost in Russian rubles is determined by recalculating the cost in foreign currency to the ruble exchange rate at the Central Bank on the date the goods were accepted for accounting.
Pay VAT to the tax office by the 20th day of the month following the acceptance of imported goods for accounting. If you have an overpayment of federal taxes, then you can not transfer VAT, for this, file a tax petition about it.
In the payment order, indicate BCC - 182 1 04 01000 01 1000 110.
Documents for the import of goods from Belarus
Keep records of exports and imports in the Kontur.Accounting web service. Simple accounting of foreign economic activity and ruble operations, taxes, automatic payroll and reporting in one service
For imported goods from the EAEU, fill out an indirect tax declaration in the form approved by order of the Federal Tax Service of the Russian Federation dated September 27, 2017 No. SA-7-3 / [email protected] It includes VAT and excises. If you are importing excise-free goods, enter data only on the cover page and in the first section. Fill out the declaration for the month in which the imported goods are recorded.
Submit the declaration to the tax office at the place of registration by the 20th day following the month in which the goods were registered, along with it, submit:
- A bank statement confirming the payment of VAT, or a copy of the payment order with a bank mark.
- Supply agreement with a Belarusian supplier, mediation agreement.
- Transport and accompanying documents.
- Invoices or other documents confirming the cost.
- Application for import of goods and payment of indirect taxes.
Compile an application for the import of goods in the form approved by order of the Federal Tax Service of the Russian Federation of November 19, 2014 No. ММВ-7-6 / [email protected] To the tax office, you need to submit an application on paper in 4 copies and one in electronic form, or only an electronic application certified by an electronic signature.
Fill out the first section of the application and indicate in it your data and data of the supplier, information about the contract and the cost of imported goods. If you worked through an intermediary, complete the third section as well. The second section will be filled in by the tax authorities and there they will put a mark on the payment of VAT.
Tax inspectors consider the application within 10 working days. The tax authorities will keep one copy for themselves, you will take one and send two to the Belarusian supplier so that he can confirm the 0% VAT rate on exports.
How to take VAT deduction
Keep records of exports and imports in the Kontur.Accounting web service. Simple accounting of foreign economic activity and ruble operations, taxes, automatic payroll and reporting in one service
Taxpayers can import goods under OSNO and special regimes. As with domestic purchases, if you buy a product that will be used in the production of other products, then you can deduct VAT.
If you apply the OSNO and are not exempt from paying VAT, you can deduct the amount of tax. VAT payments are taken into account in the cost of goods by taxpayers on special regimes.
You can claim a deduction after receiving your copy of the application for the import of goods from the tax authorities. Register the application in the purchase book and indicate the number of the payment document for which VAT was paid to the budget.
Claim the import VAT deduction in the usual quarterly VAT return, and reflect its amount in line 160 of section 3.
You can apply the deduction no earlier than the quarter in which the goods were accepted for accounting and a mark was received on the application. The term for receipt is 3 years after the acceptance of the goods for accounting.
Keep records of exports and imports in the Kontur.Accounting web service. Simple accounting of foreign economic activity and ruble operations, taxes, automatic payroll and reporting in one service.
Money
How can a Russian citizen pay for a ticket to a sanatorium in Belarus?
“I decided to book a ticket to a Belarusian sanatorium. I don’t want to use the services of Russian tour operators, I plan to order directly, but I don’t know how to pay for the ticket in this case. I would be grateful if you could tell me how to pay for a ticket in Russia? Igor V.».
Having decided on the sanatorium, you need to go to the website of the sanatorium of your choice and book a ticket. After that, the spa hotel issues an invoice to you by e-mail or fax (as you prefer). The invoice is valid for payment within three banking days.
In Belarus, prices for vouchers to sanatoriums are approved in Belarusian rubles, Russian rubles, euros or dollars. If the price list is approved in Belarusian rubles, euros or dollars, then the payment for vouchers is made in Russian rubles at the established rate on the date of the invoice. Payment of the issued invoice is possible in any branch of the bank located on the territory of Russia.
To pay the bill, the following documents are required: a passport, an invoice and a contract for the provision of tourist services, which is also sent to you by the sanatorium. Money transfers are made from your bank account or a deposit opened with a bank, it is possible to make a bank transfer without opening an account.
Many Belarusian sanatoriums offer to pay for services through the Webpay electronic payment system - using Visa, MasterCard bank payment cards. In order to pay for booked rooms and additional services with a plastic card, you will need to follow a few simple steps. After agreeing on all the terms of the booking, you will be automatically redirected to the secure payment page of the Webpay service.
Investments
Can a Russian open a deposit in a Belarusian bank?
“I plan to move to my sister in Belarus for an indefinite period. In Russia, I put aside part of my pension on a bank deposit. Can I open a deposit in a Belarusian bank? If so, in what currency, and am I guaranteed a refund of my deposit in the event of a bank failure? Thank you. Simonova G.I.”
Any Russian can freely open a deposit account in any Belarusian bank. You can do this in one of four currencies: Belarusian rubles, Russian rubles, US dollars and euros.
To do this, you need to come to the bank you like, present a Russian passport and put the available amount of money on the selected deposit. The minimum amount to open a deposit is $100. At the same time, it should be borne in mind that the profitability of a deposit depends on the currency, amount and terms of the deposit. Detailed information about the most profitable deposits, ratings of banks and much more about deposits in Belarus can be found on the sites infobank.by and Myfin.by.
Belarus has a state deposit guarantee system. All commercial banks that work with the population are its participants. The maximum amount of insurance coverage in Belarus is not established. The state guarantees the complete safety of the funds of individuals in Belarusian rubles and foreign currency, reimbursement of 100 percent of the amount of these funds. When the account is closed, funds are issued to the client in the currency in which the account was opened.
Please note that interest on deposits for less than a year in national currency and less than two years in foreign currency will be subject to 13 percent income tax. The tax agent (bank) will keep the amount at the expense of any funds paid by the bank to an individual, including the individual's own money placed on deposit, as well as money in current bank accounts. So if you do not want to pay taxes, the dollar deposit must be opened for at least two years.
Julia Vasilyeva, duty officer
In connection with the development of technology, the number of ways in which you can make a money transfer is increasing. You can transfer money from Belarus to Russia using electronic wallets, various Internet services, post offices, and more. There are instructions for each shipping option.
click on the item "Transfer to a client of a third-party bank";
indicate the recipient's card number;
check the correctness of the input;
press the "Translate" button.
The operation is subject to a commission payment, its amount depends on the services of which bank you use. The Internet banking system operates online, which means that in order to complete a transaction, you need to have uninterrupted access to the network.
With the help of postal services, you can send finances to various countries, including Ukraine, Russia, Vietnam and others. This method of sending is used infrequently, due to the fact that funds are transferred to another country for a long period of time. For example, in Belarus, finances are transferred for about 4 hours. Outside the country in question, the transfer takes an average of 2-5 days.
A limit is set regarding the amount of transactions, in the case of Russia it is equal to 90 thousand rubles. It will be possible to transfer no more than 500 dollars to other countries.
To perform an operation, you need:
visit the nearest branch;
contact the operator;
name the details of the recipient, in particular, the address and first name, last name;
specify the amount;
transfer finance;
get a check.
You need to have a document with you, on the basis of which your identity is verified.
The transfer is carried out in rubles or Belarusian currency. What fee will be charged depends on which system is used. Note that MoneyGram is less common, the commission payment in this case is charged more than in Western Union.