Money transfers

MoneyGram is an international money transfer system that allows sending and receiving cash transfers without opening a bank account.

• Coverage:200+ countries and territories worldwide
• Currency: USD
• Client requirements: identity document; recipient details (full name, receiving country, transfer details)
• Fee: from the recipient — 0%; from the sender — please see the following link;

Product Pasport

RIA is an international money transfer system that allows non-addressed cash transfers by control number, without opening a bank account.

• Coverage: countries where the RIA system operates
• Currency: USD
• Client requirements: identity document; recipient details (full name, receiving country, transfer details)
• Fee: from the recipient — 0%; from the sender — please see the following link;

Product Pasport

UPT is an international money transfer system that allows non-addressed transfers by control number, without opening a bank account.

• Coverage:UPT network (Turkey and Europe)
• Currency: USD; maximum transfer amount — 10,000 USD / 10,000 EUR / 30,000 Turkish lira
• Client requirements: identity document; recipient details
• Fee: from the recipient — 0%; from the sender — please see the following link;

Product Pasport

AsiaExpress is a money transfer system that allows receiving funds from the Russian Federation without opening a bank account, by control number.

• Coverage: AsiaExpress network and correspondent banks
• Currency: USD
• Client requirements: identity document; recipient details
• Fee: from the recipient — 0%; from the sender — please see official website.;

Product Pasport

A SWIFT transfer is a transfer of funds from a client's account at Ipoteka Bank to a recipient's account at a foreign bank, with a choice of fee-payment terms: OUR, SHA or BEN.

• Coverage: all countries whose banks are connected to the SWIFT network and maintain correspondent relations with Ipoteka Bank
• Currency: primary payment currencies are USD, EUR, RUB, GBP. Transfers in other currencies are also available via correspondent bank JPMorgan Chase Bank, N.A., which performs conversion into the required payment currency
• Client requirements: : full identification at a bank branch (passport data, purpose of payment), regardless of the transfer amount, as the transaction is initiated directly at the bank
• Fee:OUR — 0.4% of the amount (min. 500,000 UZS, max. 1,000,000 UZS) SHA / BEN — from 500,000 UZS; current rates at the bank's website

Sending (from an account at Ipoteka Bank)

1. The client visits a bank branch and processes the transfer, providing the recipient's details (SWIFT code of the receiving bank, account number/IBAN).
2. Selects the fee-payment term — OUR, SHA or BEN.
3. The bank generates a SWIFT MT103/pacs.008 message and sends it to the correspondent bank.

Receiving (to an account at a foreign bank)

1. The transfer is routed through the correspondent bank, and if necessary, through a chain of intermediary banks.
2. Funds are credited to the recipient's account at the foreign bank within 1–5 business days, depending on the destination, currency and number of intermediary banks in the chain.

Product Pasport