Abroad, to the lottery
The new service from Sberbank can be considered as an alternative to the existing methods of replenishing game accounts. To check its work, I decided to transfer money to my account in Cervantes.
Sberbank online
First limitation: перечисления за рубеж доступны только только в мобильном приложении на базе Android, on devices with IOS the service will appear later. For a PC, this option is also not available..
Payment in steps
There is nothing difficult in creating a translation. Way: - Payments - Abroad (Transfer to another country) - By account number (To be credited to a bank account) - Organizations. I chose the purpose of the transfer - payment for goods and services.
Sequence screenshots:
Where to get the account number? На Сервантесе это раздел Mi Cuenta (My account), где в разделе Ingresar Saldo (top up balance) you must indicate the planned amount of transfer (in euros). I decided to throw € 60, therefore, it is this sum that appears further. From the presented payment methods I choose - Bank transfer.
Choosing a method of replenishing a deposit. To transfer to the current account, select - Bank transfer
After that, the planned transfer is assigned an order number (order number) which the, seem to be, must be indicated in translation. As soon as the requisites are formed, Cervantes sends an email with all the data. It remains to add the necessary items (Swift, beneficiary bank and organization name) and the translation is almost ready
All details for the transfer are filled in. left to send money
As you can see from the screenshot - commission 150 rubles, which is about 3,5% from the transfer amount. In principle, if you transfer a large amount, from 15 000 rubles then the commission will be minimal, Total 1%. However, I didn't plan to list so many, and for a one-time sending, the conditions are quite satisfactory. It remains to press the green button "translate" and ....
Tadaaammmm! Sberbank declines payment and blocks mobile bank, what the corresponding sms comes about. The message says - to avoid fraud, the bank needs to make sure, that the operation was performed by me. And also then, that they will contact me shortly.
In principle, this is understandable, considering, what is a mobile bank (on the phone) I connected literally half an hour before (I usually only use the PC version) and the translation was the first operation in it. Directly in foreign currency and abroad )). Generally, after a while the employee called and asked tricky questions, to insure, what exactly am I related to this account
After, how everything turned out to be settled, the blocking was removed and the payment can be made again (data had to be restarted). so, second try:
Generally, after a while the employee called and asked tricky questions, to insure, what exactly am I related to this account. After, how everything turned out to be settled, the blocking was removed and the payment can be made again (data had to be restarted). so, second try:
Attempt # 2. We wait
And she turned out to be successful! In order not to overload the text with unnecessary details, I will note the following steps:
- Sberbank sent SMS, that the translation has been accepted and sent for review
- Later 3,5 the next sms has arrived - the transfer has been sent
- I (just in case) wrote in Сervantes, that the declared transfer was made and attached a check
- Cervantes reported, what will track the payment
- and, after all 10 minutes the final confirmation arrives: money received
60 euros came to the addressee, safe and sound
By the way, after a while SMS came from Sberbank, about that, that the transfer has been delivered to the recipient.
Let's summarize
- The new way is completely simple
- Transfer takes place within one day
- If you transfer relatively large amounts (5-10 thousand rubles and more), it is also beneficial
- Almost nothing is needed for translation (unless you open an account with Sberbank, who doesn't have it)
- Most likely you can top up any account, where it is possible to do this through a current account
And finally. clear, that we live in Russia, and the authorities know and can only know about prohibitions. Therefore it is not clear, will this method continue to exist .... maybe someone will catch it, and decide, that this should also be prohibited. But, let's live, see. The previous ban was built against the use of the appropriate MCC code and organizations blacklisted by the Federal Tax Service. Both of these items (until) not applicable to transfers from Sberbank.
P. s. I have money on Cervantes again (previous ones ended yet 4 months ago, and replenish, using new methods all hands did not reach) which means I can play again! AND, first of all, возьму один билет Испанской Рождественской — одной из лучшей мировой лотереи, which is drawn only once a year. After all, there is very little left before Christmas ))
Заглавное фото — ИА PrimaMedia
Winning by proxy received!
- When the money was credited to your account, was there a call from the bank? With a question, what kind of operation is this, from whom did the money come?
There was no call from the bank, banks show little interest in incoming transfers, they are more interested in outgoing transfers abroad.
- The income you received in 2019, which means, this year should have reported. Submitted income tax return? How did everything go?
Yes, at the beginning 2020 year I wrote an appeal to the tax, attached documents confirming payment of tax in Spain, and referring to the provisions of the Agreement on the avoidance of double taxation, asked to clarify, Does the payment of tax in Spain count towards. They answered me, that the payment of tax in Spain is offset by our 13%. According to the documents, I was paid tax on 12,7 %, left to pay 0,3%. To 30 April 2020 I filed 3-NDFL and in July 2020 paid tax payable.
- Are you currently participating in lotteries? Spanish or, may be, in our?
Now I rarely participate in lotteries, it seems to me that the shell does not hit the same funnel twice. Моя удача мне уже улыбнулась
*****
Admón de Loterías # 2 - Administration of state lotteries and bets # 2. Located in Vilhena (Province of Alicante, Spain), on the streets of Cervantes 32. Opened its doors 1 september 1981 years and already 39 has been selling lottery tickets for years. In her hometown she is known as "La de la suerte", on the Internet as Loterías Cervantes.
In May 2003 Cervantes started selling tickets online and is now one of the ten most active lottery administrations in Spain.
Spanish lottery winnings
- The same win happened in 2019? It was just another random bet?
Выигрыш был 23 августа ночью, and I found out in the morning 24 August. Были выбраны абсолютно произвольные цифры в Бонолото на Сервантесе (three bets worth 1,50 euros)
Bonoloto results for 23 August 2019 of the year. 6 rooms (jackpot) in this edition nobody guessed, and in the second prize category (5+FROM) - three winners, one of which is the heroine of the article
- What is the winning amount? How did you know - a letter came to the post office or once again visited the site or, may be, You got a call?
Amount turned out 45 043 euros, this is already taking into account the paid tax * in Spain. Immediately an email was sent, in which they congratulated me on winning and asked if I knew Spanish or English, to call me and discuss the conditions for receiving the winnings (wrote through google translator, it was immediately noticeable). I answered, that I don't know these languages in free form, then they wrote, that they have a translator, knowing russian, and asked, when it is convenient for me, so that she has come by this time. Then all communication went through an interpreter.
* Прим.: IN 2019 year, with winnings less 20 000 no tax was charged (from 2020 the tax-free amount increased to 40 000 euros). With winnings, exceeding this amount is withheld 20% tax.
