Transfer from Sberbank card to Sberbank card. Instant transfers from card to Sberbank card Transfer funds from card to card

In recent years, in Russia, all payments of the population have gradually been transferred to a non-cash plane. Individuals apply for not only credit, social and salary cards at financial institutions, but also debit cards, through which payments for goods, works and services are made. Also, bank clients often need to transfer funds to other card accounts. Today we will look at all the ways to transfer money from card to card (for example, in Sberbank), what limits are set, and what commission will be charged for each payment.

Funds transfer methods and restrictions

As a rule, the options for making a transfer in all banks are the same:

• via Internet banking;
• through ATMs/terminals;
• through mobile banking;
• through a branch of a financial institution;
• via SMS message;
• via the hotline.

Internet banking

If the owner of a debit plastic card has free access to the Internet, he will be able to online mode make payments. To do this, he needs to act in a certain sequence:

Via SMS

If the plastic card holder has a special “banking” application recorded on his gadget, then he can transfer finances from his card account to the card of other Sberbank clients via SMS messages. In Sberbank there is a telephone number “900” for this:

A message will be received from the bank with a digital combination that must be sent back to the number “900”. This way the financial transaction will be confirmed.

Attention! You can transfer money this way only to Russian rubles. It is prohibited to make payments with credit cards. The word "translation" individuals can be replaced this way: PEREVESTI /TRANSMIT/ PEREVOD.

Through ATMs/terminals

To use this method, the owner of a debit plastic card needs to find a Sberbank terminal and act according to plan:

Mobile banking

Initially, the client must install a special application on his gadget using the link

From time to time, everyone is faced with a situation when it is necessary to urgently transfer money to someone for work done, buying something, or simply helping relatives. There are many ways to transfer funds:

• money transfer through payment systems;
• through ;
• via SMS;
• using an ATM or terminal;
• at a bank branch.

How to transfer money from a card to a Sberbank card for yourself?

If you have several Sberbank cards and need to transfer money from one to another, use Internet banking or mobile app. In the first case, log in to your personal account Sberbank Online and then follow the instructions:

The operation will be completed instantly. There are no fees for transfers between your accounts. But remember that it is prohibited, but it is possible to use it from debit banking products (for example, MIR payroll). And this is the most convenient and profitable option.

Another way to top up one of your Sberbank cards from another is to use Mobile app.

1. Log in to the previously downloaded and installed application;

2. Open the “Payments” menu, then “Transfers” and select “Between your accounts”;

3. Now indicate from which account to transfer cash.

Restrictions on maximum and minimum amount no, as well as no commission for such an operation.

Methods of transferring money between Sberbank clients

Of course, there are many ways to transfer money, but the simplest and safest today is card-to-card transfer. Sberbank cardholders can perform such operations around the clock and with virtually no commission, or at least a minimum. So, you can transfer money from a card to a Sberbank card:

• Via mobile phone;
• Via Internet banking (personal account);
• Through an ATM;
• At a bank branch, provided that you know the recipient's account number, not the card number.

Via phone

You can transfer money from a card to a Sberbank card via telephone, provided that both (sender and recipient) use the service Mobile bank. It doesn't matter the type payment system(Visa, Mastercard, MIR). The main thing is that the debit card is a debit card, since transfers from a credit card are prohibited!

Transfer via telephone is carried out using sending SMS to service number 900. The text of the message must have the following structure: The word “TRANSFER”, then after the space sign the number is indicated mobile phone, without the “+” sign, to which the plastic on which the transaction is carried out is attached. Next, after the space sign, the transfer amount is indicated. Thus, the SMS request will look like this:

<ПЕРЕВОД> <НОМЕР карты получателя> <СУММА>

If you have several cards that go to the same phone number, after the word “transfer”, indicate the last 4 digits of your plastic card number from which you want to write off the money. You can also make a transfer using a phone number.

Transfer via Sberbank Online

Transferring money through your personal account will also not cause any particular difficulties for users who are registered in the system and have a login and password for Sberbank Online. The instructions are as follows:

1. Log in to your personal account;
2. Next, you need to select the “Payments and Transfers” section and mark “to Sberbank client”;
3. Then a form for processing the transfer of money will open. Please indicate: debit card, amount, recipient details;
4. Click “Confirm” and wait for an SMS with a code to your phone;
5. The operation is completed by clicking the “Submit” button after entering the code.

Commission There is no charge for transfers from a Sberbank debit card within the system, provided that the recipient’s plastic card is issued in the same city. If not, the commission will be 1% of the amount.

Through a Sberbank ATM

Transferring money from a Sberbank card to a Sberbank card via an ATM is somewhat more difficult, since you need to find a Sberbank terminal. It is worth noting that you can transfer money through an ATM if you have plastic with you. Without it, you can transfer cash using the recipient's card details. So, instructions:

1. You must insert your plastic card into the card reader and enter your PIN code,
2. Select "Payments and transfers"
3. Then “Transfer Funds”
4. Then, in the appropriate field, you must indicate the recipient's plastic number and the amount that will be sent.
5. Confirm the operation.

Commission 0% if the recipient's card was issued in the same region and 1% if in another city.

At a bank branch

If you decide to send money from your own card to a Sberbank client through a bank branch, check with the recipient for the account number to which the card is linked. He is in personal account or contract. Tell the bank employee the details of the recipient of the money and present your passport and plastic card. However, be prepared to pay a commission of 1.25% of the amount if the cards are issued in different regions.

Tinkoff service

Extremely popular today Tinkoff service for transfers from one card to another. The main condition is that the cards must be issued Russian banks, and the type of payment system does not matter. The commission in this case is 1.5% of the amount, and the limit is 100,000 rubles.

How to transfer money from a Sberbank card to a card of another bank?

Sberbank also allows you to transfer funds (for example, VTB Bank, Rosselkhozbank, Tinkoff, etc.). It is worth noting that transfer is possible not only to VISA and MasterCard, but also to MIR products. You can carry out a transaction in the following ways:

• through your personal account
• mobile app;
• ATM;
• bank branch.

But you cannot transfer money from a Sberbank card to a card of another bank via SMS. This service works only within the system and allows you to make transfers between Sberbank clients.

Commission

So, if you decide to transfer money from one of your Sberbank cards to another, no commission will be charged. It is also missing when replenishing credit card in any way.

You will not pay a commission for transfers via telephone, since Mobile Banking involves making transactions for free. You are already paying for it according to the tariff.

Now about when commission is charged. So, it will be 1% of the transfer amount if the recipient’s card is issued in another region, and you send money through Sberbank Online, an ATM, or a mobile application. If the card belongs to another bank, the commission will be 1.5% of the amount.

The necessary financial assistance must be provided on time. Transferring cash does not always help in such a situation. This can be simplified using non-cash transfers. It is rare to meet a person who does not have plastic cards, therefore, transferring money from card to card via the Internet will solve the problem of transferring funds to the desired recipient.

The service is available to almost any owner of all payment banking systems used in the country, for example, MasterCard or others. The operation can be completed if there is a sufficient amount of money in the card account.

How to transfer money from card to card via the Internet

Successful completion of such a transaction is possible by using the services provided by the card issuing bank, as well as third-party verified resources. As a rule, banks act as guarantors in these operations, through whose correspondent accounts transfers are made.

Making a transfer using online banking

It is possible to transfer money from card to card via the Internet without commission within the same bank. This means that the recipient's and executor's cards must be issued in one financial institution. At the same time, access to Internet banking will facilitate and speed up the operation. To obtain identifying details, you should contact a branch or call a service center operator.

Transfer using Sberbank

Sberbank offers such a service as Sberbank Online. After entering your login (this is an identifier) ​​and password on the company’s main website, you must select the link “Transfer to a Sberbank client” for transfer to another client of the same institution, or “Transfer to another bank” for external sending.

Next, you need to determine the card account from the drop-down list from which the debit will take place, and enter the recipient’s card numbers, if this is done for the first time. For subsequent similar translations, you can use a template prepared in advance. The numbers on the card are written in a row without spaces.

Below is the amount to be sent. Enrollment in most cases takes only a few minutes within one financial institution. Money may arrive to card accounts of other banks with a delay of up to five days. The normal time for crediting can be called an increase in the recipient's balance the next day. Similar conditions will apply to other banks.

Tariffs for sending via Sberbank

Transferring funds from card to card is free within the city. List settlements is indicated on the bank’s website and is updated regularly. When sending to MasterCard card, issued by another bank, a commission is taken from the one who initiated the transfer - one and a half percent, but not more than a thousand rubles. The currency limit will be one-half percent, not to exceed one hundred and fifty dollars.

How to transfer money from card to card without registration

The transfer of non-cash funds from the card is also carried out without logging into personal accounts. Such a service is provided, for example, by Alfa-Bank for all cards that meet the terms of the agreement for the provision of these services.

Sending money using the Alfa-Bank service

Filling out the transfer form takes a little time. You just need to know the correct and full details. In order not to make a mistake, it is better to have in front of you the plastic from which you plan to write off for the first time.

In the window for the number of the initiator of the shipment, the numbers on the front side of the plastic are entered, as a rule, there are sixteen of them. There is no need to put spaces between them. Next, three more fields are filled in. From the drop-down menu, after clicking the triangle in the second window, select the month the card is valid. It is located below the number on the map. Similarly, select the year until which the donor card is valid.

On the back of the plastic, on the line where the owner puts his signature, there are three secret numbers. This is an encrypted CVC2 / CVV2 code for Internet transactions. It also fits into the corresponding window. Enter the amount of the intended transfer below.

Only the recipient's card numbers are entered on the right. No more details are required from him for enrollment. Next, the user confirms agreement with the terms of the transaction by checking the box. Now you can click “Send money”.

Tariffs for sending via Alfa-Bank

The amount that the system takes as a transaction fee can be immediately seen when creating a transfer. It is automatically added to the funds sent, and the total for debiting is displayed below.

Between Alfa-Bank clients, these transactions are carried out free of charge and without delay. When making an external transfer to an Alfa-Bank card, the initiator will pay half a percent, but a minimum of 30 rubles. From different cards to any cards you will have to pay 1.95%, but also from 30 rubles and above.

This service provides services international transfers in dollars. The transfer fee from Alfa-Bank card accounts issued in the Russian Federation, Ukraine, Kazakhstan or the Republic of Belarus will be charged in the amount of one dollar or 30 rubles one-time, plus one and a half percent of the amount. For any other cards – 40 rubles or 1.30 dollars plus two percent of the amount.

Restrictions on sending between cards

One transfer cannot exceed 75 thousand rubles. If it is carried out in dollars, then the limit will be two and a half thousand. The number of transfers for each card is limited to fifty per calendar month. The total amount of all funds written off should not exceed 160 thousand. At the same time, for international transfers sent using this method, the limit is 80 thousand rubles per month.

Sending is prohibited:

• from corporate, credit and virtual card issued by Alfa-Bank;
• from any foreign bank card of the VISA system;
• from card to card of Alfa-Bank Russian Federation in different currencies;
• from a card without 3dSecure system;
• between plastic cards of legal entities.

In addition, banks that issued cards can independently set restrictions on such transactions. It is better to find out about this by calling the operator or on the official website. Often such restrictions can be easily removed permanently or temporarily by calling the bank that opened the account.

Deadlines for transfers

Clients sending from cards to Alfa-Bank cards receive almost instant credit, since the information is transferred within the same bank. External recipients are credited to VISA system cards in thirty minutes. Other transfers arrive in 1–5 days. In very rare cases, the money may be returned back to the recipient.

Transfer using Tinkoff Bank service

One of the most efficient Russian banks, which even has international recognition in this area from the Markswebb Rank&Report agency, also solves the issue of transferring non-cash funds between cards. The service is available at www.tinkoff.ru/cardtocard/.

The client just needs to enter the relevant information in the required fields on the card of the payment initiator and the recipient of the funds. Next, specify the amount to send, and the commission will be calculated automatically. By clicking on the send button, you can be sure that the money will be credited on time and in full. In this case, the commission amount from third-party bank cards will be only one and a half percent, but not less than thirty rubles.

Card transfer using Yandex.Money

It happens that banking websites conduct engineering works, and often at this time there is no access to convenient and familiar services, but you urgently need to send funds to the card. The most popular search engine will come to the rescue with its own method of transferring funds.

Transfer from card to card using the Yandex service

Filling out the fields will be standard, as will the details for the operation. The commission for the provision of services will be 1.95%, but not less than forty rubles. You do not need to be registered on the site to operate.

Security during transfers

When making transactions with bank cards you need to be confident in the safety of transfers. At the beginning of the line with the site address there should be a designation of the encrypted protocol with the symbols:

It is also necessary to install an antivirus with the latest updates on your computer, which does not allow unauthorized interception of entered card parameters.

Sberbank is one of the largest commercial organizations our country, providing customers with a wide range banking services, among which non-cash transfers are in great demand.

Millions of residents of our country actively use plastic payment cards, thanks to which they can quickly and safely transfer funds within the country and abroad. As an example, let's try to transfer money from one Sberbank card to another in several ways.

Quick navigation through the article

Cashless transfer

Owners of debit plastic cards will not have any difficulty transferring almost any amount in rubles, US dollars or Euros to another card. The main advantage of the service is the instant receipt of funds to the recipient, but the disadvantage is that the operation cannot be canceled.

There are several ways to transfer money from a card to a Sberbank card:

• Through ATMs and terminals;
• Through Sberbank Online;
• Through Mobile Banking.

ATMs and terminals

The simplest and affordable way transfer from card to card - use the nearest payment terminal located in a bank office or in a large store. To do this you need to follow these steps:

• Insert the card into the card reader and enter the PIN code;
• In the main menu, select the “Payments and Transfers” section;
• Click further “Transfer Funds”;
• Following the system prompts, enter the recipient's card number and the transfer amount.

Sberbank Online service

Users who have created a “Personal Account” on the Sberbank website (sberbank.ru) can perform various transactions via the Internet without leaving home. To transfer funds from one Sberbank card to another, you need to go to your “Personal Account” (online.sberbank.ru) and follow the steps:

• Open the “Payments and Transfers” tab;
• In the “Transfers” section, which is located at the top, the system will offer a list of operations, among which select “Transfer to a Sberbank client”;
• A form will open in which you must fill in all the details by entering in the appropriate field the recipient’s card number, which can consist of 15, 16 or 18 digits, the debit account and the transfer amount;
• Click the “Transfer” button, then confirm the operation using the SMS code;
• The “Personal Account” provides the ability to transfer funds to a card using a mobile phone number if it is registered in banking system. To do this, in the “Recipient Account” section, select the appropriate drop-down menu item from the list and enter the recipient’s phone number.

"Mobile Bank"

You can also transfer money to a Sberbank card using a special SMS command. This service is available to clients who have activated Mobile Banking. To transfer you need to do the following:

• Send an SMS to number 900 with the word “Transfer”, then indicate the recipient’s phone number and amount separated by a space;
• In the response message, check the recipient’s details and, if everything is correct, send the confirmation code specified in the same SMS to number 900.

Transferring non-cash funds from one card to another is one of the basic banking operations. This can be done in several ways, including transfers via the Internet, via SMS and through an ATM or self-service device (terminal).

You can make transfers between your cards or to the account of another bank client. In some cases, a small fee is charged for the operation. bank commission, in others - no. Let's take a closer look at the methods of non-cash transfers between Sberbank cards.

Via SMS 900 from a mobile phone

900 is a short number that is used by Sberbank to receive and send SMS notifications as part of the Mobile Banking service.

Sberbank is an SMS service that allows the client to receive notifications about account movements. You can also do some things through it Bank operations, among which - non-cash payments according to cards.

By sending SMS to number 900, you can transfer money to your cards or to a friend’s card. In the second case, a prerequisite is that the recipient must also be connected to the Mobile Bank. Connection to this service occurs at Sberbank ATMs.

To make a transfer between your own accounts, you should send a message in the following format to number 900:

TRANSFER 0123 3210 5000

where 0123 is the last 4 digits of the card number from which money will be withdrawn, 3210 is the last 4 digits of the enrollment card number, 5000 is the payment amount in rubles.

To make a payment to the card of another Sberbank client connected to the Mobile Bank service, send a message to 900 in the following format:

TRANSFER 9991112233 1500

where 9991112233 is the recipient’s phone number, 1500 is the transfer amount. If more than one card is linked to your Mobile Bank, you can choose which one the funds will be withdrawn from. To do this, you need to send a message like this to a short number:

TRANSFER 0123 9991112233 1500

where 0123 is the last 4 digits of the debit card number. If several cards are authorized on the recipient's Mobile Bank, then in both cases - with and without specifying the debit card number - the money will be transferred to the recipient's main card.

Please note that according to this species There are a number of restrictions on operations:

1. departures are possible only from debit cards(transfer from credit, corporate and virtual card impossible);
2. All payments are made in rubles (transfer to currency card impossible; when transferring from a foreign currency account to a ruble account, the amount is recalculated at the rate established by Sberbank at the time of the transaction);
3. limit on the number of transactions: no more than 10 per day;
4. limit on transaction amount: no more than 8,000 rubles per day.

Online, without leaving home

Online money transfers from card to card are possible through the Sberbank Online Internet banking system. If you are not connected to online banking, you can do this on the official website of Sberbank - for this you must already be. Connecting to the online banking system is absolutely free; There is no subscription fee for using its capabilities.

To make a transaction using this method, log into your personal Sberbank Online account by entering your login, password and identification code. In your personal account, go to the “Transfers and Payments” section:

Here we are interested in two menu items: “Transfer between your cards” and “Transfer to a Sberbank client”. If you want to make a non-cash transfer to your own account, you need to select a debit card, a receipt card, enter the amount and click “Transfer”, and at the next stage confirm the operation:

Transferring money to someone else’s Sberbank card is also quite simple:

note that the recipient can be identified not only by the card number, but also by cell phone and bank account numbers. Enter one of these numbers, select your account from which the money will be withdrawn, enter the transaction amount and click “Transfer”; then confirm the operation.

The limit for transactions through Sberbank Online is 500,000 rubles per day.

Through an ATM, knowing the card number

A transfer through an ATM is possible not only by the card number, but also by the recipient’s cell phone number to which his card is linked.

To use this method of sending funds, you need to do the following:

Insert the card from which the funds will be debited into the special slot of the ATM and enter the PIN code.

In the ATM main menu, select “Payments and transfers” (or “Transfer of funds”) and then “By recipient’s card number” (note that the “By mobile phone number” method is also available).

Enter the card number to which the funds will be transferred (or cell phone number, if the appropriate item was selected).

Be careful to ensure that the numbers you enter are correct.

1. Select the transaction currency.
2. Confirm the operation.

It should be remembered that an ATM transaction is not possible from a credit card account - the sender's card must be a debit card. As for currency transactions, they are possible only between the accounts of the person performing the transaction.

Using a terminal

Non-cash transfer from account to account is also possible using a Sberbank payment terminal. Since Sberbank ATMs and terminals use the same software shell, the algorithm for carrying out this operation is identical to the algorithm for sending money through an ATM and is described in the corresponding section of the article, “Through an ATM, knowing the card number.”

Using Sberbank online

Sberbank Online is an online banking system that allows you to conduct a wide range of banking transactions via the Internet. Transferring from account to account through Sberbank online is the only way to make a transaction of this kind via the Internet directly, without turning to intermediaries. The procedure is described in detail in the “On the Internet without leaving home” section of this article.

Mobile banking to help

Mobile Banking is an SMS alert system from Sberbank, which also allows you to carry out some banking operations, including transactions from one card to another. The procedures for making transfers using this system are described in the section “Via SMS 900 from a mobile phone” of this article.

Sberbank commission as a percentage

When sending funds from card to card, a commission is charged to the sending party.

In different cases it is:

1. 0% if the sender’s and recipient’s accounts are opened within the same city;
2. 0% when sending via Mobile Bank;
3. 1% (but not more than 1000 rubles) for transactions through Sberbank Online in Russia.
4. 1% (but not more than 1000 rubles) for transactions through ATMs and terminals in Russia.

How to transfer money from a card to a Sberbank card without interest?

As you can see, interest-free transfer of funds is possible if:

1. the recipient's and sender's accounts are opened in the same city;
2. transfer of funds is carried out through Mobile Banking.

Despite the fact that the possibilities Mobile banking allow you to make payments without commission, you should remember that there is a limit of 8,000 rubles for these operations.

Is it possible to transfer money without confirmation and PIN code?

When transferring from account to account, Sberbank has established two types of sender identification for security purposes:

1. by PIN code of the sender's card;
2. via SMS.

Confirmation of the first type is used when making transactions through ATMs and self-service devices (terminals); SMS confirmation - when transferring funds through Sberbank Online or when using Mobile Banking. It is impossible to send money to another account without any confirmation, otherwise there would simply be no need for any security system.

Important information in the bank's instructions for a successful transfer

When transferring funds from account to account, you need to pay special attention to:

Correctness of the entered data

First of all - the recipient's data. If an error was made, but you confirmed the transfer via SMS or by clicking on the appropriate button in the ATM menu, Sberbank takes this as your consent. Refunds in such cases are carried out extremely reluctantly; Most often the bank simply refuses.

Fees charged

Thus, transferring a large amount at a time in some cases (if 1% of it is more than 1000 rubles) turns out to be more profitable than transferring several smaller amounts, since the loss on commission is less.

Limits

Once a certain daily limit is reached, it will be impossible to transfer funds to another card in the next 24 hours. This is especially true when transferring funds via SMS, where the daily limit is 8,000 rubles. As for card payments, the limits here are up to 500,000 rubles. per day. This is usually more than enough for private transfers or when managing your own accounts.