[codedokode]

It's not "completely free". If you transfer more than 100 000 roubles/month (~ $1360) then it costs 0.5% of the amount. There are also limits of about several hundreds of roubles per month.

If the recipient wants to withdraw the cash in less than 30 days after receiving the payment, the bank may request documents that prove compliance with anti-laundering regulations. If you fail to provide such written documents then the bank will charge a fee of about 5-10%.

Also it is not secure because anyone who has your phone number can learn in what banks you have accounts. And if you have an account in Sberbank, anyone can lookup your name by your phone number. Very convenient for criminals and scammers.

[pixl97]

>If the recipient wants to withdraw the cash in less than 30 days after receiving the payment, the bank may request documents that prove compliance with anti-laundering regulations.

The US is similar with amounts over $10,000. Structuring transactions to avoid that number is also forbidden.