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Sberbank offers citizens the entire possible range of financial services, including various methods for making transfers from one card to another, which is serviced by Sberbank. The service is quite in demand, because in various fields activity, this method of payment for goods or services is used.
If you need to make a money transfer operation, then Sberbank offers several methods for doing this.
Through a cashier at a Sberbank branch. Now this method is used less and less, because Sberbank offers more convenient options implementation of the translation. Be prepared for the fact that if you approach the cashier with such a request, you will be asked to complete this operation through the terminal. But, in any case, you can transfer money through the cashier by providing your passport and card number for this.
Through the payment terminal. A very simple method of transferring to a card, which can be done from any Sberbank ATM. It is not necessary to look for a payment terminal, because you will not deposit cash into it, the usual one for withdrawing funds is also suitable. Of course, if it provides for such a function, it all depends on the modification of the ATM itself.
So, in order to transfer money from a card to a Sberbank card, you need to write down the card number somewhere, where you should send the cash, and go to an ATM. Having inserted your card and dialed the PIN code, you just need to follow the following sequence of actions:
- go to the item "Payments and transfers";
- then click the "Transfer Funds" button;
- then a window will open in which you should enter the number of the Sberbank card to which you are transferring money. The number can consist of 16 or 18 digits. Be sure to double-check the information you enter in order to avoid negative points so that the money does not go there;
- click the "Next" button, check the information and confirm the operation;
- be sure to keep the check until the funds are credited. Usually the money comes almost immediately.
Sberbank provides internet banking, thanks to which it is very easy to transfer money between Sberbank cards. If you do not have Sberbank-online connected, you can activate it through any Sberbank ATM.
To transfer, you need access to Sberbank-online and the recipient's card number. Log in with your username and password, and then follow the steps below:
- in the main menu, press the button "Payments and transfers";
- then go to the item "Transfer to a client of Sberbank";
- in the "To" field, select the appropriate option "To the card";
- in the window that opens, enter the recipient's card number and click "Next";
- then a page will open where you need to check the correctness of the entered information. For a more accurate check, the name and patronymic of the cardholder where you are making the transfer are indicated. Check the data, if everything is correct, confirm it;
— a message with a one-time password will be sent to your phone number, the operation is confirmed by entering the password in the Internet bank window that opens;
- the operation is completed. You can even create templates and further contribute funds to this card pressing a couple of buttons.
As a standard, if you have Sberbank Online connected, then Mobile Bank is also linked to your card. Thanks to it, you can transfer funds to another card serviced by Sberbank by sending an SMS message to number 900 (a special service number).
Important! One condition: the recipient must also be registered in the system. For the transfer, not the card number is indicated, but the recipient's phone number. This is a number that is tied to the Mobile Bank and, accordingly, to the Sberbank card.
To make a transfer, you need to send only one SMS message.
— recipient's number — 900;
- in the text TRANSLATION 9XX1234567 5000. Where phone number is the recipient's mobile number, and the number 5000 is the amount you want to redirect from your card (any number is indicated).
Here is a completely different scheme of transfers, more complex. Transfers between cards of one bank are made without problems, but in the case of a transfer from a card of one bank to another, the operation will be considered an interbank transfer.
Transfer via your internet bank. Now almost all banks provide their customers with access to the financial transactions. You can use this service by selecting the appropriate item in it. Only the transfer will be made not by card number, but by details bank account. That is, you need to ask the owner of the Sberbank card to provide you with full settlement details (account number, BIK bank, etc.). Enter the details in the Internet bank and confirm the operation. Such a transfer is carried out within 3 days.
Withdraw cash from your card and simply put it on the Sberbank card number through Sberbank branches. Previously, such a transaction could be carried out through ATMs, but now, in connection with the new law that has come into force, cash payments by card numbers are carried out only through tellers with a passport.
Use an intermediary - Qiwi wallet or Yandex.Money. In this case, you need to first transfer the required amount to your own Qiwi or Yandex wallet through your Internet bank or terminal. Money usually comes in 5-10 minutes. And only then, going into your wallet, make a transfer from it to the desired card, which is served by Sberbank or another bank.
The last method is the most expensive in terms of paying commission and time. Money can be withdrawn from the wallet up to 3 days.
It is easy to transfer money from one Sberbank card to another, it is enough to know the number only the card number or number mobile phone another person.
Many have finally realized how convenient it is not to carry wads of cash in their wallets. That is why an increasing number of people use bank cards of Sberbank and other banks today. But at the same time about plastic cards arises a large number of questions. Many people ask how can transfer money from a card to a Sberbank card via phone, in other words, to make a cashless transfer from a card to a Sberbank card using Mobile bank. It's actually pretty easy to do this.
In order to put money from card to card, you must have a phone with Sberbank Mobile Bank and know the recipient's phone number. It only takes two steps:
- to transfer to a Sberbank card, send an SMS to number 900 with the text: Transfer 9XX1234567 500, where 9XX1234567 is the recipient's phone number, 500 is the transfer amount.
- in response, you will receive an SMS with the recipient's name and code. Check the specified data and send the received code to number 900 to confirm the transfer.
How to transfer money to your Sberbank card
To transfer between your cards, send an SMS to 900 with the text: TRANSFER 1234 4321 10000
Where 1234 is the last 4 digits (for example, 1234) of your card number from which funds will be debited; 4321 - the last 4 digits of the card number to which funds will be credited (for example, 4321); 10000 - transfer amount.
How much money can be transferred
For security reasons, the following restrictions (limits) are set for transfers by phone number:
- no more than 8,000 rubles per day - a limit on the amount of transfers (both the sender and the recipient);
- no more than 10 transactions per day - a limit on the number of transfers.
Commission for transferring money from a card to a Sberbank card through number 900
For non-cash transfer of money from a card from one Sberbank card to another via mobile bank commission may apply.
Produced free of charge:
— money transfer between your cards;
— translation into debit card client within the same city:
- transfer to a credit card.
When transferring to a debit card of another client outside the same city (transfer via Mobile Bank), the commission will be 1.0% (max. 1000 rubles).
Transferring funds from card to card today is a very popular way to transfer money. It is becoming less and less common for people to transfer money to someone else's account, as entering a 16-digit number is faster and more convenient. Whether you want to transfer money between your cards from different banks or send it to someone else, it's worth looking into possible methods transfers, commissions and restrictions.
The method of transferring from one card to another has the following advantages:
Situations when you may need to perform a similar translation:
Money transfer between cards is not used to pay for large transactions.
Regardless of which bank card you use, the process of sending money from one card to another is approximately the same. Let's figure out how to make a transfer using the example of a Sberbank card of the Russian Federation, but if necessary, you can easily adapt this instruction to the bank you need.
The completed transfer cannot be canceled on your own, be extremely careful when making it.
There are several ways to transfer money within the same banking system.
One of the most convenient methods is a transfer using the Sberbank Online application on your phone:
The next way is to transfer funds using SMS messages. It is necessary that both the sender's and the recipient's phones have the "Mobile Bank" service activated. To transfer funds, you need to perform a number of actions.
Transfer through Sberbank Online using the site is also very simple. First you need to get access to your personal account. Login details can be obtained from the bank. Log in to the site and do the following:
You can also transfer funds from card to card using an ATM. This method is used less often than others, because more often people prefer to make money transactions without leaving home. A transfer is made using an ATM as follows:
Regardless of the transfer method, when transferring funds from the card of one Sberbank client to the card of another, the money will be credited instantly.
A transfer to a card in another bank is distinguished by the presence of a commission and an extended transfer time. Otherwise, the translation process is almost the same for each of the methods. When transferring through the Sberbank Online website or application, you need to do the following:
To transfer through an ATM, just do the following:
Each bank has its own transfer restrictions. They are expressed both in the maximum amount of funds that you can transfer, and in commissions for the operation. If you need to make a transfer within the Sberbank system, the conditions will be as follows:
When transferring from a Sberbank card to a card of another bank:
In other banks, commissions and limits differ from commissions and limits of Sberbank. Since the transfer process itself is approximately the same everywhere, we will consider only these commissions and limits:
An obvious way to save money when transferring is to transfer between cards of the same bank. Most banking systems there will be no commission for such a transaction. Sometimes, when it comes to the need to send a large amount, it is more convenient to simply ask the recipient to get a card desired bank. Of course, this is only beneficial if the commissions exceed the cost of servicing this card.
If you need to transfer funds between your cards of different banks, you can simply withdraw cash from one card and credit it to another through an ATM. Thus, you do not have to pay a commission. That is, transferring from one card to another is not always the most profitable solution.
Transfer from card to card is perhaps the easiest way to transfer money. With the development of technology, it becomes more and more accessible to transfer money both within the same city and throughout the country. You should not forget about caution when making any monetary transactions, and then the transfer of funds will be convenient and safe.
The more Russians switch to non-cash payments bank cards, the more acute is the question of how to transfer money from one card to another with minimal losses. Transfer from card to card- this is bank transaction, at which money from one account linked to bank card are sent to the account of another card.
Banks do not charge a commission if you transfer from your account to your own account within the bank. Therefore, you can transfer between your cards without commission. Also, many banks do not charge a commission for transfers to cards of other persons in the same bank. But there are nuances. For example, Sberbank will not charge you a commission only when transferring between cards issued in the same region (with the exception of transfers between Moscow and the Moscow Region); otherwise - commission 1%. But Sberbank's tariffs are rather an exception, usually banks do not practice such an "inter-territorial" commission.
Mastercard pleases its customers with constant promotions for transfers with zero commission:
The action is set for a couple of months, but is constantly extended. Currently, up to 10,000 rubles can be transferred between MasterCard cards. with 0% commission. Important note: both cards must be from Russian banks.
By the way, this transfer service directly from Mastercard is profitable even without a promotion, because its commission is 1%, while banking services charge 1.3-2%.
Not so long ago, Mastercard launched new service Masterpass, where you can make transfers by first linking your card to a phone number and saving it in their secure storage. The most interesting thing is that Mastercard holders can send money not only to Mastercard, but also to Visa cards and peace. It works like this:
a) link the card to a phone number (see the "Connect Masterpass right now" tab)
b) go to the site of the former Binbank (now - Otkritie):
and there in the upper right corner you see the "masterpass" button.
You can find out and discuss other ways to economically transfer money between cards on our forum in the topic "". You can also suggest your own method there.
Plastic cards are a convenient tool for managing personal finances. Most of their users know how to transfer money from card to card. But there are certain nuances when transferring money between cards, and we'll talk about them.
As a rule, bank account holders have several plastic cards for the convenience of using them. For security, it is better to use one card for purchases, and transfer a certain amount for purchases from other cards.
Transfers from card to card are necessary to replenish the account of a wife, relative or friend, at their request. It can be a transfer from a card of one bank to a card of another bank.
Often, when performing work between individuals, there is a need to pay for the work. This applies to freelancers or paid consultants. In this case, the customer transfers payment from his card to the card of the contractor.
There is also a need to pay for purchases on the websites of Avito, Yula and the like. And often the question arises how to make a transfer from card to card to the seller, so as not to be deceived. Top tip: the purchase amount, in order to avoid fraud, should be small.
Consider the main ways to transfer money from card to card.
If plastic cards are issued by one bank, this greatly simplifies the procedure for transferring money from card to card. For the owner of several cards in one bank, such a transfer is even easier.
For example, in Sberbank of the Russian Federation, cardholders, when using the Sberbank Online service, have enough personal account open the "Transfers and payments" section and select "Transfer between your accounts and cards" there. In the window that opens, select the card from which the transfer will be made and the one to which the money will be transferred, and the amount of the transfer. Then perform the "Transfer" operation, and the money without a password will be credited to the specified card, about which you will receive a message here and the requirement to "Confirm" by clicking on this entry in the window.
The transaction will be announced in the next step. If desired, you can print a transaction receipt.
And although Sberbank is a leader in the development of a remote service for customers, most banks perform this option without a commission (unless it is credit card) and no confirmation password.
The limits on transfers between your cards in one bank are quite large and amount to up to 1 million rubles. per day. The exact restrictions must be clarified with the servicing bank.
When transferring money from one bank client to another in the same bank online, you must select "Transfer to a Sberbank client" in your personal account. In the window that opens, select "recipient's card" or "card by mobile phone number", fill in one of the two options.
The next step is to select your debit card and specify the debit amount. Optionally, you can send a short message to the recipient. Click "Transfer" and in the window that opens about the transaction, you will need to confirm this operation code received on your phone. Only after that the transaction will be completed.
How to transfer money from card to card in a smartphone? In Sberbank, the procedure is similar. Enter the application and select the "Payments" tab, selecting the direction "Sberbank Client" there. In the window that opens, enter the recipient's card number and the transfer amount and click send. After receiving confirmation of the transaction, the money will go to the specified card.
The main banks of the country have mobile banks and online service systems, within which intra-bank transfers are free and available to owners of plastic cards issued by these financial institutions.
Restrictions on transfers in mobile application between your cards in the same bank are often similar to the limits set for Internet banking. But operations via SMS are more strictly limited. Yes, in mobile bank Sberbank, the daily limit is up to 1 million rubles, while using SMS you can send no more than 8 thousand rubles.
How to send money from card to card of different banks online? The procedure differs from the previous one by a more thorough check of the elements of the transaction and a commission for its implementation.
Online translation is easiest to do in personal internet account toy credit institution where your card is issued.
For example, in Alfa-Bank, to transfer one of the online methods, you should enter Alfa-Click with your username and password, select the " Money transfers" and then select "Transfer to card", select the debit card and dial the recipient's card number with the transfer amount.
Click "Continue" and the bank will further report the amount of debiting money from your account along with a commission (1.95% of the transfer amount) for the money transfer. An SMS message with a transaction confirmation code is sent to the phone linked to the bank, enter it in the window to confirm and complete this operation.
The mechanism for transferring money from card to card online is similar for most banks with this service, the differences are in the details. But following the instructions in the online service of each bank, it is quite simple to make such transfers.
It is also easy to transfer money from your card through the Mobile Bank using the phone linked to it, provided that there is a phone connected to the Mobile Bank at the other end.
For example, in the Mobile Bank of Sberbank, the problem of how to transfer money from card to card is solved in several steps: send SMS to number 900 with the text "Transfer, four last figures your card, the recipient's phone number, the transfer amount". In a couple of minutes, a response will come with the transfer parameters, if everything is correct, confirm it.
Limits on transfers between cards in different banks are different. So, for clients of Alfa-Bank and Sberbank, the maximum amount of such transactions per day is 150 thousand rubles, but the limit for one transaction in Alfa-Bank is set at 100 thousand rubles, and in Sberbank - 30 thousand rubles.
How to transfer money from card to card if you are away from your computer and do not have a smartphone with mobile service with you. And this happens quite rarely today. To carry out such a transaction, you should find an ATM of the bank that issued your card. This is more convenient, since you know better your ATMs financial organization, and the amount of the commission will be significantly lower than in ATMs of other banks.
Enter a card with a PIN code and password and select the "Payments and Transfers" section in the menu. Next, you have to select the "Transfer by card number" section. In the window that opens, fill in the details of the transfer:
In some banks, at terminals, you will be required to fill in card details: card expiration date and CVC. After filling in all the details, you can send money to the address. The ATM will give you a check that will indicate the completion of the transaction, but the transfer can last from several minutes to several hours.
When choosing a way to transfer money from card to card, the important questions are:
To counter scammers and hackers, most large banks, when working with plastic cards apply security measures:
When transferring funds from card to card, most banks without these funds transfer responsibility for the stolen amounts to the bank's customers. In fact, the transfer of information about the card number to a third party relieves the bank of responsibility for the safety of your funds on the card account.
Therefore, choose banks where security rules are observed with the 3D-Secure system.
Banks charge fees for money transfers. The size of the commission in each bank is determined independently. If the money transfer operation is one-time, then the choice of the card issuer's bank is not critical. If the transactions are regular, then you should look for a bank that has the lowest commission for these transactions.
The following banks have the highest commissions on the transfer amount:
Banks charge the lowest commission:
The best choice would be minimum commission taking into account the security of transactions.
