Western Union and MoneyGram maintain thousands of agent locations throughout Russia, making them a reliable option for sending money home or receiving funds from abroad. Transfers can be paid in cash, by card, or via a local bank account, and the recipient can pick up cash in rubles with a government‑issued ID. Fees vary widely—typically 3 %–5 % of the amount—and exchange rates may include a markup. Service is especially useful for those without a Russian bank account or for urgent cash needs. Always verify the agent’s operating hours, as some locations close early on weekends.