You will need
  • - plastic card (universal);
  • computer;
  • - access to the Internet.
First you need to decide what amount of money you want to transfer and to which account. If on the telephone, then, in principle, is indifferent, on what the funds was going on. The transfer fee is on the relationships of one to five rubles (regardless of the amount). So feel free to transfer the money to your friend and fear not that you will lose a lot.
If you need to transfer money from one account to another, provided that you use the services of the same Bank, the interest you will not take. The operation is carried out without a fee. To transfer money you can in several ways. The most easiest with one plastic card to another. To do this you need to use the ATM. Insert your card (provided that it is universal or salary), enter the account number or the card number of the payee and send the required amount.
If you don't have a credit card, you can do quite well without it. In any Bank has payment terminals with which you can make a money transfer. To do this, ask the workers how they need to properly use it. Then insert into the machine the desired amount and send the funds to your friend.
Yet there is an alternative option to transfer money without a fee. You can use any terminal (to pay phone bills, Internet service, etc.) in your city. Just use it to register online Qiwi purse (it can also start from a computer). Then log in to your account. You will need to dial the account number (or phone number), and then confirm the payment.