Moneybookers vs. Payoneer vs. bank in Russia

Question

Payment systems

Please advise the best way to receive money in the following situation - a European company pays the RFP once a month by money transfer according to the details, the question is where.

If I transfer money to my card account (RaiffeisenBank - an excellent network in Europe; or Sberbank - an excellent Internet banking and ATM network in Russia) using the details, what are my actions regarding the tax?

Does it make sense to use MoneyBookers or Payoneer if the goal is to get cash rubles or euros/dollars on a Raif/Sberbank card?

If so, which one is better to choose? amounts up to $5,000 per month (I met similar restrictions somewhere in the comments) bank

interest
- 13% minimum for taxes + probably small interest, but everything is white and fluffy ("sleep well"), currency control again
payoneer, withdraw dollars from ATMs, exchange for rubles, deposit into your account - no more than 4% comes out (we sit on treason)
MoneyBookers - ??? (we sit on the treason)

Answer 1

Each Sberbank card has its own account, you can find out its details and transfer directly to it. Either directly (wire transfer), or through Moneybookers. Rake:
- In Sberbank, the account currency and the transfer currency must match.
- International details (SWIFT) in the department may not be known, but the account number of the card should be (usually a piece of paper is issued immediately). You can find the SWIFT code of your branch yourself (PDF).
- Moneybookers has a comparatively higher percentage for currency exchange.
- It seems that Moneybookers officially has all transfers in dollars, although the support says that they could transfer both in euros.
You will need to file an income tax return with the tax office. For 2012, the declaration will need to be submitted before April 1, 2013, and the tax must be paid before (it seems) July 15, 2013. Most likely, no documents will be required. The tax amount is 13% of the transfer amount in rubles at the Central Bank exchange rate on the day of receipt. (By the way, you can open a replenishable / prolongable deposit and put aside 13% of each income there, and the soul is calm that it is deferred for taxes, and you will return part of the money. The deposit, of course, is not in Sberbank.)
It is difficult to give an exact recommendation, but if the company operates in euros, then a Sberbank card in euros plus a direct transfer seems to be the best solution. I don't know about Raffeisenbank.