How to send money to the CIS using phone number

What card is required for money transfers abroad

You need a Tinkoff Black debit card to make international money transfers via Tinkoff. To get a card, just fill out a form on our website and enter your name, cellphone number, and your date of birth. If you are a non‑resident of Russia, you will need one of the following documents: a migration card, a work or residence permit, your visa—the exact list depends on your citizenship.

In the application, we will ask you to specify a convenient time and place to receive the card, e.g. your home or work address. The bank representative will deliver the card and your bank account documents on the appointed day. We will send a text message in advance to remind you of the appointment. You can use your card immediately after the appointment: just top up the account with cash at an ATM of any bank or transfer money to your Tinkoff card from any third-party bank’s card—there is no card top up fee.

Download and install our Tinkoff app to use the card and send money abroad. The app gives you access to your account. It will allow you to pay for your cell phone services, work permit fees, and to apply for self‑employment status.

Fees for money transfer to the CIS countries by phone number

The fees for money transfer abroad depend on the amount of the transaction and on the recipient’s currency.

Fee for a transfer. You can send up to ₽20,000 per month free of charge—there will be no commission. If you send more, the commission is 1% off the transfer amount.

How to send more money commission‑free. Purchase the Tinkoff Pro subscription. It will allow you to transfer ₽50,000 per month commission‑free. If you need to transfer more, a fee of 1% is charged on the amount above this limit.

The subscription also improves other Tinkoff service conditions: no card service fees, free notifications, more cashback for purchases, and free 600 minutes for Tinkoff mobile service. The first month of subscription is free of charge, after that—₽199 per month.

Make transfers in rubles → the amount will be debited in the currency of the recipient’s country. As a rule, the exchange rate at Tinkoff is slightly different from the exchange rate set by the Central Bank in the recipient’s country. In rare cases, the exchange rate may exceed this difference due to economic or political events.

How to transfer money abroad by phone number

You can transfer money by phone number to Armenia, Uzbekistan, Tajikistan, or Kyrgyzstan.

Here’s what you need to do:

1. In the Tinkoff app, tap the "Payments" section, then tap the entry line in the "Transfer by phone number" section.

1. On the next screen, select the recipient’s phone number from your contacts or tap the flag icon and select a country you want to send money to. After that, select the recipient from the list of your contacts and enter their phone number manually.

1. Based on the phone number you have provided, the recipient’s bank, to which their card account is linked, will be automatically displayed. If several banks are displayed, select the one you need from the list.

1. Enter the transfer amount in rubles or local currency. We will display the current exchange rate.

1. If transfer commission applies, it will be displayed on the screen next to the total transfer amount.

1. Tap "Transfer" button. You’re all set! The money will be debited to the recipient’s account immediately.

What else the Tinkoff Black card is good for

Tinkoff Black card is not only good for best‑value money transfers abroad, you can also use it as your primary bank card.

Pay for your work permit. To quickly extend your work permit, fill out an online form on the Migration agency’s website and provide your Tinkoff card details. If you have your work permit fee bill on hand, you can pay it by QR code. In the Tinkoff app, choose your Tinkoff Black card → tap "Pay'' → "Scan QR code".

Receive your salary. Your employer can transfer your salary to a Tinkoff Black card. You can also use this card to open an account as self‑employed or link it to your individual entrepreneur account. To do this, ask your employer to transfer the salary to your card and provide the account details. How to transfer your salary to the Tinkoff Black card

Withdraw cash free of charge. If you need cash, you can always withdraw it from your card at an ATM. Tinkoff Black card is very practical because it allows you to withdraw cash commission‑free: any amount at Tinkoff ATMs; from ₽3,000 to ₽100,000 at other ATMs.

Top up card without commission. You can top up your card without any restrictions and free of charge at any ATMs, as well as transfer money to it from any other banks' cards. For example, if you receive your salary in another bank, transfer it commission‑free to the Tinkoff Black to send money to your family.

Apply for free cards for your family. You can issue a supplementary card in the name of a different person and link it to your Tinkoff Black card. If you want your family abroad to have a supplementary card, apply for the card in Russia and have it delivered in person.

How to apply for a supplementary card:

• In the Tinkoff app, scroll down to the bottom of the "Main" tab and tap "Open a new account or product".
• Then select "Order additional card" → "Tinkoff Black".
• Select who will use the card: you can issue a card for yourself or for another person.