How to put dollars on a Sberbank card? The best ways to replenish a Tinkoff Bank currency card How to deposit dollars into Sberbank

Hello, please tell me, I’m going abroad, is it possible to put dollars on a Sberbank card through an ATM? How can you transfer currency to a plastic card?

Answer

Good day, in order to put dollars or euros on a Sberbank card, you must have an account opened in the required currency (a multi-currency account will be a universal solution). For example, crediting to a dollar card can be done in rubles, and the conversion is carried out at the bank’s internal rate. You can also deposit currency through the cash desk at a Sberbank branch; you must have a valid citizen’s passport with you.

Regarding terminals self-service and ruble accounts, it is not possible to deposit dollars through an ATM, since they only accept Russian rubles in accordance with legislation. The only way out is to open a currency card; you can find out more about the terms of use and service by calling toll-free 8 (800) 555 -55 -50 or short number 900.

Today we will talk about how to put dollars on a Sberbank card, since this information may be useful to all our fellow citizens who have already acquired this card credit organization or are just planning to do so.

First of all, we should tell you that it is impossible to put dollars on a Sberbank card that is linked to a ruble account. This is due to the fact that if you try to deposit foreign currency onto such a card, it will automatically be converted into rubles according to the bank’s current quotes. So that you have the opportunity to deposit dollars onto the card of the described banking institution, you must initially issue a card associated with a multi-currency or dollar account.

You should also talk about the fact that not all card products of the described banking institution can be linked to a multi-currency or dollar account. Today, clients of the described banking institution can obtain the following types of cards linked to dollar or multi-currency accounts:

1. Gold cards MasterCard and Visa.
2. Traditional cards linked to Visa and MasterCard payment systems.
3. Aeroflot cards (Signatur, and traditional), which can only be linked to the Visa payment system.
4. Momentum cards that are connected to payment MasterCard systems and Visa.

It should be especially noted that the MIR cards of the credit institution in question can only be connected to ruble accounts.

How to put dollars on a Sberbank card. Basic methods

If you use a card from the credit institution in question, which is linked to a multi-currency or dollar account, you can use one of the following methods to deposit dollars into the account:

1. Using an ATM of the credit institution in question.
2. Through the cash desk of one of the Sberbank departments.
3. Using an online service.
4. Using your phone, provided that it is connected to the mobile banking service or has mobile app online service.

First of all, it is necessary to note the fact that ATMs located on the territory of the Russian Federation only work with domestic currency. For this reason, if you try to deposit foreign currency into the receiver of such a device, it simply will not accept it. However, it is still possible to deposit dollars into the card account through an ATM. To do this, you must deposit the required amount in domestic rubles, after which it will be converted into dollars, which will be credited to your card account. At the same time, you should be prepared for the fact that you will be charged commission fees for completing the exchange transaction.

Depositing dollars into your card account through the cash register

The cash desks of all branches of the credit institution in question accept both rubles and foreign currencies. For this reason, the easiest way to deposit dollars into a card account involves going to the cash desk of one of the branches of the credit institution in question. In order for you to top up your card balance with dollars, you need to have a passport with you, volume Money, which you want to deposit into your account, and the card itself. If you deposit dollars into the cash register, the entire amount will be credited to your card account. You can also replenish your dollar account by depositing rubles into the cashier, but in this case you will be charged commission fees for the exchange transaction.

It is important to know that the funds will be credited to your card account almost immediately after you deposit them at the cashier.

Topping up your card with dollars via an online service

To use this method, registration in the online service is required, which consists of creating your own account. To begin the transaction, you should access your account and visit the “main menu/currency rates/exchange” directory. At the next stage, you will have to fill out a special form in which you must enter the account number to which dollars should be credited, and also indicate the account from which rubles will be debited.

It should be remembered that you can carry out such an operation only if you have both dollar and ruble accounts. If you only have a dollar account, then you will not be able to top it up using the online service.

Depositing dollars onto a card via phone

There are two simple methods for depositing dollars into your card account using your phone. The first method is available to those users who have installed the mobile application of the online service on their phone. In this case, the transfer procedure is carried out according to the same scheme as in the online service and requires two accounts (currency and ruble). As is the case with online service, clients who only have a ruble account will not be able to use this replenishment method.

The second method of depositing dollars onto a card is available to all clients of the service " Mobile bank" The transaction process is quite simple. It is enough to send a message to the service number with the word “Transfer” and the number dollar card, to which funds will be credited, as well as the number of the ruble card from which money will be written off. To complete the transaction, you will need both a dollar and a currency card, and both cards must be connected to mobile banking.

Withdrawing dollars from the card

If you are the holder of a card associated with a foreign currency account, then you can withdraw dollars only at a branch of the credit institution described. To perform this operation, you should drive to the bank and take your passport and card with you. According to the policy of the credit institution in question, all of its branches accept and issue foreign money, but the situation may develop in such a way that the cash desk does not have the amount you require in foreign currency. To avoid this situation, you must make a request before visiting a branch if you wish to withdraw large amounts of funds in foreign currency.

Since only rubles are loaded into the ATMs of the credit institution in question, you will not be able to withdraw dollars from the card using them. When you try to withdraw funds from a card linked to a foreign currency account, the ATM will automatically convert the amount you requested and give you money in rubles. In this case, you will be charged a commission for the exchange transaction.

Receiving currency transfers from abroad

According to current rules You can make transfers from abroad either to a card or to an account. For these purposes, professionals recommend issuing cards connected to a multicurrency account.

To withdraw received money from the card, you can use one of the methods described above. It is also possible to receive money from abroad without receiving a Sberbank card. In this case, the sender must use the system international transfers, and to receive money you only need a passport.

The Tinkoff Bank currency card “Tinkoff Black” is a convenient financial product for all users who often make business trips abroad. In addition, it is indispensable when purchasing goods in euros or dollars. For this reason, the question of how to put money on a currency card is quite relevant among its owners.

Available options

Topping up a Tinkoff currency card can be done in one of two available ways:

• Transfer from a foreign currency account of another bank;
• Make a transfer through the payment system. In order to make a transfer, you must have dollars or euros.

The first method of transferring funds involves a commission fee charged by the sending bank. For this reason, transferring from a foreign currency account of another bank is beneficial only when transferring large amounts. As a rule, the overpayment is a fixed amount. Its size can vary from 15 to 30 conventional units per payment. Each financial institution announces its own tariffs. For this reason, before topping up your card, you need to compare prices from different banks.

Payment systems

For many users, the second transfer method is more acceptable. However, before you put it on a dollar or euro card, you need to know that a transfer using a payment system can be carried out with or without an additional commission. This factor is influenced by one circumstance.

Payment systems that readily provide the Tinkoff Black interest-free replenishment service include Unistream and Contact.

However, despite the fact that the companies themselves do not charge a percentage for providing the service, a commission is charged by the financial institutions providing the translation service. Thus, if a client comes to make a transfer to a bank, then an overpayment will be withheld from him according to the institution’s tariffs.

In order to transfer to a Tinkoff card with zero interest, you should make the payment directly at one of the branches of the service systems, and not at the bank that is an intermediary in this situation.

Information about points making payments on Tinkoff Black is available on the company's official website.

Replenishment in rubles

If the client initially has rubles on hand, then more options are available for him to replenish a currency card. In addition to the usual method - purchasing foreign banknotes at a favorable rate and making transfers at special points, there are several more profitable ways.

The first is to put on Tinkoff Black at one of the replenishment points. For example, in the Svyaznoy salon. The list of points is available on the Tinkoff website. To obtain reliable information, it is important to indicate the deposit currency – rubles. This method of transfers involves the conversion of funds when credited according to the current Tinkoff tariff. The customer can contribute to lower costs. To do this, he needs to compare the tariff in the exchanger and on the Tinkoff website on the day of the operation and choose the best option.

Another method of transferring to a Tinkoff card involves making an interbank transfer from a ruble account of another bank to the ruble details of Tinkoff Black. All plastic media financial organization 4 types of details are assigned:

• Rubles;
• Dollars;
• Euro;
• In pounds sterling.

This fact allows the Tinkoff client to replenish the account with any currency with its further conversion. At the same time, different banks charge different fees for providing such a service. Some don't charge interest at all. It is necessary to clarify this information in advance.

The next option for replenishing Tinkoff Black is the following scheme of actions:

1. Transfer funds to your ruble account. You are allowed to make 5 payments per day for no more than 75 thousand. Interest is not charged on amounts less than 300 thousand rubles.
2. Convert into dollars or euros using online banking.
3. Top up your foreign currency account.

A variety of different ways to top up Tinkoff Black, both with and without commission, makes the company’s financial product even more accessible.

You cannot put dollars on a Sberbank card with a linked ruble account. If you deposit foreign currency, it will automatically be exchanged for rubles at the current internal bank rate. To deposit dollars onto a card, it must be linked to a dollar or multi-currency account.

Not all plastic products can be opened in foreign currency. In 2019, Sberbank offers clients the following options:

• Gold card Visa\MasterCard.
• Classic Visa\MasterCard.
• Classic, Gold and Signatur Aeroflot (Visa only).
• Visa\MasterCard Momentum.

Important: payment system MIR supports only domestic currency.

Replenishment methods

Is it possible to put dollars on a Sberbank card through an ATM?

ATMs located on the territory of the Russian Federation do not work with foreign money. If you try to deposit dollars, the device will refuse to accept them, and therefore the answer to the question whether it is possible to put dollars into a Sberbank ATM is negative. However, you can enter Russian rubles, which are converted into the currency of the open account. In this case, the bank's commission for the exchange will be debited.

Through the cash register

All Sberbank branches work with both rubles and foreign banknotes. The most effective way to put dollars on a card is to go to the bank's cash desk. You need to have with you plastic card, passport and the required amount. If you deposit money in dollars, the entire amount will be credited; if in rubles, the currency exchange fee will be charged.

Important: money is credited to your account instantly.

Through Sberbank Online

First, you need to register or log in to the system: enter your username and password and confirm your entry with the code from SMS. At the bottom right you need to find the “Currency Rates” column and select “Exchange”. Next, indicate the ruble account from which the money is transferred and the dollar account to which it should go.

Important: the operation is only possible if you have two accounts with different currencies.

Using your phone

You can deposit dollars through your mobile device in two ways:

1. Using the Sberbank application. You need to proceed in the same way as on the official website.
2. SMS translation. Type a message TRANSFER XXXX XXXX transfer amount in the currency in which the money is transferred and send to number 900. X is taken from the last 4 digits of the sender’s and recipient’s account, respectively.

Important: both cards must be connected to the mobile bank.

Is it possible to withdraw dollars from a Sberbank card?

You can withdraw dollars only at a bank branch. To do this you need to provide a passport. Despite the fact that all offices work with foreign and domestic currencies, the cash desk of the selected branch may not have enough foreign funds to issue. Therefore, if you plan to withdraw a large amount, it is better to make a request to Sberbank in advance.

It is not possible to withdraw dollars from ATMs because they do not accept foreign banknotes. If you try to withdraw money from a dollar account, a conversion will occur and the machine will issue the corresponding amount in rubles.

How to cash out foreign currency when transferring from abroad

Dollars from foreign countries can be transferred to your card or directly to your account. In the latter case, it is not necessary to issue a multi-currency card: the sender must indicate on the receipt the number of the branch where you can cash out the funds. You only need to present your passport and details.

If money is credited to the card, the sender indicates only the account number on the receipt. You can withdraw money from the card using any of the above methods.

Important: the commission for the transfer is removed from the sender, and the recipient only pays for the conversion, if necessary.

Are there any differences in the withdrawal and deposit processes for Euro

Withdrawing and depositing European currency onto a Sberbank card is practically no different from the same transactions in dollars. The only difference is that the account must be either multi-currency or in euros.

Important: if you withdraw euros from a dollar account, a double conversion will occur, for each of which you need to pay a commission to the bank.

Sberbank has a very strange situation regarding foreign currency. Sberbank does not have multicurrency cards (plastic that can have three accounts at once: rubles, dollars and euros). Most likely, this was done so that the turnover of the national ruble would be higher, but this is the whim of the central bank.

In other credit institutions, such plastic can be issued without any problems. It is true that it is possible to issue a card with one foreign currency: dollars or euros. Let's see if it's possible to bank card Sberbank deposit US dollars.

Transfer to ruble account

And so, if we make a transfer foreign funds on debit card, then it all depends on the account currency of this product. That is, if the account is in rubles or euros, then during the transfer, dollars will turn into the account currency. In this case, currency conversion occurs at the Sberbank rate, and not Central Bank Russian Federation, as happens in other credit companies.

If the card account is opened in dollars, then there will be no conversion. But a commission may be charged if the transfer occurs from the account or plastic card of another bank.

Through the branch

You can take paper cash with you and go deposit it on your card at the cashier. But the conversion will also occur as in the previous case. But check whether a commission will be charged for exchanging currency through the cash desk.

Via ATM

Unfortunately, this cannot be done at an ATM. This is due to the technical capabilities of the device and the terminal can only work with ruble bills. In large cities you can also find dollar devices, but there are very few of them, so if you want to deposit paper money, it is best to do this through the cash desk of a green bank.

Third party services

On the Internet you can find a huge number of services that make transfers from any accounts. Before the procedure, please read the terms and fees for the transaction. If these conditions are not indicated on the page, then it is better not to use such a service.

Transfer to dollar account

You can safely transfer rubles to a dollar account. In this case, the conversion will be similar. This can be done by anyone accessible ways sender's bank:

• Internet banking;
• Mobile bank;
• Application;
• ATMs.

We simply indicate the recipient's card details. Sometimes full details may be required: account number, INN, BIC, etc. They can be viewed in the contract, asked at the branch or printed in personal account online banking. Full details usually needed for salary transfers or for transactions from foreign banks.

Still have questions?

Feel free to write them in the comments below. We also recommend reading about opening currency cards. It clearly explains how the movement of foreign funds within the bank occurs and there are several tips for clients who partially hold and use money in dollars and euros.

Also write your review about the bank. What difficulties have you encountered when working with green credit institution and which debit or credit cards you use it.