Zamzam is a mobile app for international money transfers from Russia to the CIS with 0% fees.
The app is available on AppStore and Google Play. To send a money transfer, you need to register, enter your passport details and link a Russian bank card.
To send an international transfer, go to the app, select the country and currency of receipt. Enter the amount and a recipient's passport details. The transfer amount is formed in rubles, and it will be sent to the recipient in US dollars, euros, or national currency, depending on the transfer direction. After sending the transfer, you can track the transfer status in the app. All you need is a stable Internet connection. When your transfer is issued to the recipient, you will automatically receive a PUSH notification.
At the moment, we have transfers available from Russia to Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, and Uzbekistan. Soon, we will add the option to transfer money to Azerbaijan, Turkey, and Israel.
There are 7 currencies available in Zamzam: Euro, US dollar, Armenian dram, Belarusian ruble, Moldovan leu, Georgian lari and Kazakhstani tenge.
The minimum amount of one transfer to Zamzam is 100 RUB. The maximum transfer amount is 150,000 RUB per day and 1,000,000 RUB per month.
There are two ways to transfer money through Zamzam: A standard transfer to branches of the partner network. We currently have over 50,000 cash pick-up points around the world. Card-to-card transfers (available soon).
Fees for sending an international transfer - 0%. The transfer is processed at the internal rate of Zamzam and may differ from the rate of the Central Bank.
Guideline with required documents for full identification process of foreign citizen
Full Identification opens for you following opportunities:

Card balance up to 600 thousands of rubles (maximum card balance);

Salary project using Zamzam card2





Transfers through Russia without transfer fee1

Access for migrant services and others2

Zamzam credit line opening 2 (loans on Zamzam card and installment payment for smartphones)

Full foreign citizenship person identification consists of following documents

General passport

(ID card or international passport)

Migration cardm3

(if applicable: visa, Temporary residence permit, resident card)

Temporary registration

1Amount of non-fee transfers through Russia via Fast Payment system is 100 hundred rubles per month.

2under construction

3If migration card was expired, you need to provide additional document according following:

  • For EAEU citizens (Armenia, Kazakhstan, Kyrgyzstan) you need to provide valid employment contract;
  • For countries with a visa-free regime (Uzbekistan, Tajikistan, Moldova and others) you need to provide work permit or a patent with checks;
  • For countries with a visa regime you need to provide valid visa.
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