Fast international money transfers — send money online

SendNOW is a licensed international money transfer service that lets you send funds to bank cards worldwide — including Russia — entirely online, with no branch visits, and no p2p schemes. How it works:

• Enter the transfer amount and choose your destination country.
• Enter the recipient's card number (Visa, Mastercard, MIR) and full name.
• Pay using Visa, Mastercard, Apple Pay, Google Pay, bank transfer (SEPA / SWIFT), or other options.
• In 95% of cases, funds arrive within minutes — no hidden charges, no delays.

Yes. SendNOW is a fully licensed financial service compliant with AML (Anti-Money Laundering) and KYC (Know Your Customer) requirements. Unlike p2p crypto-exchange platforms or workarounds, SendNOW processes every transfer as an official cross-border payment through regulated banking infrastructure. What this means for you:

• Your funds are protected at every stage of the transfer.
• Recipient cards are not at risk of blocking due to suspicious peer-to-peer activity.
• All rates and fees are disclosed upfront — no surprises.

95% of transfers arrive within minutes. Transfers to the majority of international bank cards, including Russian bank cards (Sberbank, T-Bank, Alfa-Bank, VTB) are typically instant. Transfers to some countries may take up to 1 business day when processed via correspondent bank networks. Speed by method:

• Card-to-card (Visa, Mastercard, MIR, Humo, Uzcard etc.): usually within minutes.
• Bank transfer (SEPA): up to 1 business day within the EU.

SendNOW supports the most widely used payment methods so you can send money from wherever you are:

• Visa and Mastercard (debit or credit)
• Apple Pay and Google Pay
• Bank transfer via SEPA (EU/EEA)

Availability of specific methods depends on the sender's country and local banking regulations.

SendNOW allows transfers of up to 50,000 USD (or equivalent in EUR, GBP) per transaction. Fees start from 3%, depending on the amount, payment method, and transfer corridor. Your first transfer is FREE — 0% commission for amounts up to 100 USD or currency equivalent. Fee structure highlights:

• First transfer: 0% commission + promotional exchange rate (up to 100 USD).
• Subsequent transfers: fee displayed transparently before confirmation.
• Large amounts (from 2,500 USD): better FX rates available automatically.
• AML/KYC verification may be required for amounts above standard thresholds.

Yes. SendNOW is a licensed money transfer operator and supports transfers up to 50,000 USD per transaction with full security controls. Security features include:

• End-to-end data encryption (TLS/SSL).
• AML screening on every transaction to prevent fraud and money laundering.
• KYC identity verification for high-value transfers.
• No p2p intermediaries — funds move through official payment rails only.

For transfers above 50,000 USD, contact SendNOW support to discuss higher limits under enhanced due diligence.

SendNOW supports transfers to over 190 countries worldwide, including Russia, Kazakhstan, Germany, the United States, the United Kingdom, Ukraine, and other states. Popular transfer corridors:

• Europe → Russia (EUR to RUB, to MIR / Sberbank / T-Bank)
• USA → Russia (USD to RUB)
• Europe → CIS (Kazakhstan, Uzbekistan, Armenia, Georgia, Belarus)
• EU/EEA → LATAM, MENAP, Africa, Asia
• Worldwide → EU/EEA via SEPA

Yes, it remains fully legal to send money to Russia in 2026 from Europe, the United States, Canada, the UK, and most other countries — as long as you use a licensed, regulated service. SendNOW is designed precisely for this: fast, legal transfers to Russian bank cards without SWIFT, or p2p schemes. How SendNOW handles Russia-bound transfers:

• Direct integration with Russian banking infrastructure (no SWIFT dependency).
• Transfers processed as official cross-border payments — not informal card swaps.
• Fully compliant with AML/KYC requirements of both sending and receiving jurisdictions.
• Available from Germany, France, Italy, Poland, Netherlands, UK, USA, Canada, CIS, and other countries.

SendNOW supports transfers to all major Russian banks and card types, including the domestic MIR payment system. Supported banks include:

• Sberbank (Sber)
• T-Bank (formerly Tinkoff)
• Alfa-Bank
• VTB
• Gazprombank
• Raiffeisen Bank Russia
• Other Russian banks issuing MIR and international debit cards.

To send, you only need the recipient's full name and 16-digit card number. No IBAN, no SWIFT code, no additional bank details required.

Yes. SendNOW transfers money to Russia without using SWIFT. After sanctions disconnected many Russian banks from the SWIFT network, SendNOW built direct integrations with local Russian payment infrastructure — enabling fast, reliable transfers that bypass SWIFT entirely. Why this matters:

• No delays from SWIFT routing or correspondent bank chains.
• No risk of funds being frozen mid-route due to sanctions compliance holds.
• Works even if the recipient's bank is not connected to SWIFT.
• Transfers delivered directly to MIR, Sber, T-Bank, Alfa-Bank, and more.

No. Card blocking is a known risk with informal p2p card-exchange services, where recipients receive funds from random strangers — which can trigger fraud detection systems at Russian banks. SendNOW eliminates this risk entirely. Why SendNOW transfers are safe for recipients:

• Funds arrive as an official incoming international transfer, not a p2p card payment.
• No chain of individuals involved — just sender → SendNOW → recipient's bank.
• Compatible with MIR, Sberbank, T-Bank, VTB, Alfa-Bank, and other Russian cards.
• Fully compliant with Russian banking regulations for incoming transfers.

P2p card exchanges and cryptocurrency routes to Russia carry serious risks: frozen funds, blocked recipient cards, opaque fees, and potential legal exposure. SendNOW is a licensed alternative that eliminates all of these. SendNOW vs. informal alternatives:

• Licensed vs. unregulated: SendNOW operates under financial regulation; p2p platforms typically do not.
• Transparent fees vs. hidden markups: rate and fee shown before you confirm.
• No card blocking risk: funds sent via official rails, not between random cardholders.
• AML/KYC compliance: protects both sender and recipient from legal complications.
• Up to 50,000 USD per transfer: larger amounts than most p2p or crypto methods allow.

SendNOW shows you the exact RUB amount your recipient will receive before you confirm the transfer — including the applied exchange rate and all fees. There are no hidden markups added after confirmation. How the rate works:

• The EUR/USD to RUB rate is displayed on the calculator screen before payment.
• The rate is locked at the moment you confirm — it will not change during processing.
• For transfers from 2,500 USD (or EUR equivalent), SendNOW automatically applies an improved exchange rate.
• The recipient sees a standard bank credit matching exactly the ruble amount shown upfront.

This is a key difference from many informal exchange services and p2p platforms, which show attractive rates upfront but apply hidden markups in the final payout.

The minimum transfer amount with SendNOW is 25 USD or currency equivalent. There is no obligation to send a large amount on your first transaction. What to expect on your first transfer:

• Sign up takes under 2 minutes — no paperwork required upfront.
• Your first transfer up to 100 USD or currency equivalent is completely free (0% fee + promotional rate).
• Many users send a small test transfer (e.g. 25–50 EUR) to verify delivery before sending a larger amount.
• Identity verification (KYC) is only required when you exceed standard transaction thresholds.

After you confirm a transfer on SendNOW, you receive an immediate confirmation with a transfer ID. You can track the status at any time in your SendNOW account or the mobile app. Transfer status stages:

• Processing — SendNOW has received your payment and is reviewing the transfer (typically under a minute).
• Sent — funds have been dispatched to the recipient's bank.
• Delivered — confirmed credit to the recipient's card.

For Russia-bound transfers, the recipient typically receives an SMS from their bank the moment funds are credited. If the status does not update to Delivered within 30 minutes, contact SendNOW support via in-app chat — available 24/7.

In the rare case that a SendNOW transfer is delayed or cannot be completed, SendNOW's support team will either complete the delivery or issue a full refund to your original payment method. What to do if your transfer is delayed:

• Check transfer status in your SendNOW account — most delays resolve automatically within minutes.
• Contact support via in-app chat (24/7) with your transfer ID.
• For Russia-bound transfers, delays most often occur due to a card detail error — support will contact you to correct it.

Refund policy: if a transfer cannot be delivered for any reason, SendNOW refunds the full amount including fees, back to your original payment method. Unlike informal p2p exchanges where lost funds may be unrecoverable, using a licensed service means you have formal recourse.