Money transfers “MIGOM” without opening an operating account

Send money to your relatives, friends and colleagues without opening an operating account by FORUS Bank. Now it’s possible due to the bank participation in the money transfers system “MIGOM”.

In FORUS Bank office (at the moment the system operates in Voronezh and Nizhny Novgorod) You can send and receive a money transfer from 2.5 thousand service points, working in Russia and 13 more CIS countries (Abkhazia, Azerbaijan, Armenia, Byelorussia, Georgia, Kazakhstan, Kirghizia, Latvia, Moldavia, Transdniestria, Tajikistan, Uzbekistan and Ukraine).
Maximal amount of money, which can be sent by a Russian citizen within a day through one authorized bank amounts $5000 (or up to 280 000 rubles). For RF non-residents there is no limitation for money transfers abroad.

The system “MIGOM” advantages:

1. convenience – a money transfer without opening a current bank account;
2. high speed – a money transfer “goes” 10-15 minutes;
3. low price – tariff rates compose 2% - 3%;
4. simplicity – simple money transfer formalization;
5. money transfer payment without a commission;
6. free of charge additional services like sending notification to the payee through e-mail and so on.

5 simple steps of money transfer sending:

1. Find the nearest department of “MIGOM” transfers;
2. Show a document, proving your identity (for example, a passport). In case of necessity you’ll need additional documents (according to the legislation of the country you are in);
3. Fill in “A transfer application” (not necessary in some service points);
4. You get a transfer control number (TCN) from the operator, containing 9 numbers, and also a list of “MIGOM” service points in the city of the transfer receiving;
5. Inform the payee about the transfer by any available way; give him the TCN, sender’s full name, the list of “MIGOM” service points in his city and the exact amount of money sent.

4 simple steps of money transfer receiving:

1. Come to the “MIGOM” service point, which was given to you by the sender;
2. Show a document, proving your identity (for example, a passport). In case of necessity you’ll need additional documents (according to the legislation of the country you are in).
3. Fill in “A transfer receiving application”, indicating the transfer control number (TCN), the amount of money transferred and etc.
4. Get the money transfer.

Additional information:

• The transfer control number (TCN) is a strictly confidential information, which shouldn’t be given by both the sender and receiver to other people.
• Money transfers can be fulfilled only in rubles in the territory of Russia.
• You can send ruble money transfers to Armenia, Byelorussia, Kirghizia, Tajikistan and Ukraine.
• Tariff rates in Byelorussian rubles are in circulation only within the territory of Byelorussia.
• A transfer, which was not received in time, can stay in the system during 6 months from the sending moment.
• A “MIGOM” transfer can be sent or received by a representative of the sender or receiver with the help of a trust deed. A right for receiving money from bank accounts must be stipulated in the trust deed, registered in accordance with the established procedure. The trust deed must be authenticated notarially or identified by an embassy (consulate). It’s necessary to provide an authenticated translation to the trust deed, if made in a foreign language. The trust deed must be left in the bank cash office.
• A “MIGOM” money transfer goes 10 – 15 minutes independent of where and from where it was sent. Herewith, the formalization and delivery speed of the transfer depends on the operation hours of a “MIGOM” service point in the city of receiving.