KoronaPay (6+) is an app to send and receive money transfers in over 50 countries worldwide, with no need to open a bank account. It’s simple and convenient. You only need your bank card and internet. If you are in Russia, you can send or receive money using a card issued by any Russian bank.* The KoronaPay (6+) app works with MIR, VISA, Mastercard and Maestro cards. If you are in Europe, you can send transfers** using VISA, Mastercard, or Maestro cards issued by any European bank. Recipient can either pick up cash at one of the ‘Zolotaya Korona’ service points (over 50,000 agent locations) or deposit funds to their card via the app (in Russia, Turkey, Georgia, or any CIS country, in their national currency). With the KoronaPay (6+) app, in CIS countries as well as in Turkey, Israel and Georgia, you can receive ‘Zolotaya Korona’ transfers to, and in Belarus and Kazakhstan, send transfers from a card issued by a bank in the respective country. The list of countries whose cards are accepted for money transfer transactions is on koronapay.com/transfers/online/receive/ You can also use the KoronaPay (6+) app to: - find the nearest agent location - track transfer status - quickly repeat a transfer - see your transaction history - find answers to frequently asked questions about the service - easily get in touch with the Support Service Users in Russia can also: - apply for a loan*** - make payments to the Federal Migration Service (work patents, fines) * The service is provided by Credit Union ‘Payment Center’ Ltd. (86, Kirova Str., Novosibirsk, OGRN: 1025400002968), CB RF license 3166-К dated 14/04/2014, under the Managed Service Contract on Providing Client Services via Personal Area or Other Types of Service, the text is on rnko.ru ** The service of money transfers from Europe via a mobile application is provided by KoronaPay Europe Ltd, license 115.1.3.30 issued by the Central Bank of Cyprus on 11/12/2018, under the Terms and Conditions on koronapay.eu *** The loan amount can be 5,000-15,000 ₽, the loan term is 63 days; between the day following the loan origination date and the 10st day, the interest rate is 0%. From the 22nd day on, it is 0.09% per day (32,850% per annum). The offer is valid for individuals who are of 18 and up to 75 years of age and hold citizenship of one of the following countries: Russia, Tajikistan, Uzbekistan, Azerbaijan, Kazakhstan, Georgia, Kyrgyzstan, Moldova, Belarus, Ukraine or Armenia . The above terms are valid as of 24/12/2021. The loan is provided by the Microfinance Organization "Strana Express" LCC, MFO State Registry Registration Number 2120719001908 dated 07/08/2012 (11, M. Dzhalilya Str., of. 116, Novosibirsk, OGRN 1121902000879). An example: calculating the cost of the first loan of 15,000 ₽ granted for a 63-day period. Amount of interest accrued over the period at the rate of 0.09% — 985,5 ₽. Amount payable — 15 985,5 ₽. Number of installments: 1 installment paid on the loan expiration date. For the second and subsequent loans, different conditions may be applied. More info — on stranaexpress.ru/documents/