How to withdraw money from the balance to the card. How to withdraw money from the phone in cash. Features of withdrawing funds from various operators

If you urgently need money, and at hand there is only a mobile phone with a certain amount of funds on the balance sheet - it does not matter! He will rescue you. Get cash from your account cell phone it is possible as bank card and just cash.

Here are a number of ways to withdraw money from a SIM card:

1. Money transfer

You can make a money transfer from your personal account of your mobile phone using various payment systems: Contact, Unistream, Leader. Moreover, you can transfer money not only to another person in any corner of Russia and even to some countries of the world, but, of course, to yourself.

You can do this either by visiting the operators' offices or remotely from your account by filling out a form on the website or by sending an SMS.

Example. MegaFon subscribers can cash out through the systemContact by sendingSMS to the short number 3116 with the text "Con, full amount, name and surname of the recipient".

There are limits on the amount and number of transfers per day. Usually for a transfer - up to 15,000 rubles.

2. Transfer to a bank card

If you have a debit or credit card VISA /master card /Maestro, you can replenish her account in a similar way from your mobile phone.

Example. Subscribers of the MegaFon operator can replenish the balance of the card by sending an SMS to 3116 with the text "Card, bank card number, month and year of its expiration, total amount.

However, here the speed of receiving money is in question: the term for crediting funds can be up to 5 days. The maximum transfer amount is 15,000 rubles.

useful links

Services for transferring funds through payment systems and to bank card accounts of the leading Big Three operators:

Attention! The MegaFon operator also allows you to transfer money from your phone directly to your bank account.

3. Transfer to electronic money

You can replenish the balances of electronic wallets from your phone, for example, WebMoney. However, first you need to “attach” the wallet to the system. Transfer is made by SMS-confirmation. Significant disadvantage - very high commission such a transfer: for MTS 12.5% ​​+ 10 rubles, Beeline - 5.95%, Megafon - 7.95%.

Attention! The transfer of funds from a cell phone balance to a QIWI Wallet is very popular and in demand. As a result, to prevent fraud, operators do not allow such a transfer on all tariff plans.

4. Closing the contract with the operator

If there is an impressive amount of money on your mobile phone account, you can close the contract at the operator's office and receive the balance from the balance in cash or by crediting it to the details of your current account or card. To do this, the owner of the number or a trusted person will have to visit the operator's salon (do not forget your passport and, if necessary, other documents) and write a corresponding application there. Keep in mind that the minimum balance of your tariff plan is non-refundable, and the payment itself can only be made 15 days after the application is submitted. If you care about the phone number, you can transfer money in advance to different operators by mobile transfer (there is a small amount for the transfer and there are restrictions on its size).

Attention! When making any transfer of funds from your mobile phone account, check the current commission and limits on the amount of payment in advance!

Instruction

Visit the nearest bank branch. You must have an identity document with you and your number. bank account. Find a window that provides services to individuals. Contact him with a request to withdraw money from your personal account. The operator will check all documents and give you cash.

Withdraw money from your savings account. This option is practically no different from the previous one. Only here there is no need to know your bank account number. Just give the operator your book and passport. In a few minutes, you will have the money withdrawn from your account with a check confirming the transaction.

Use . If a card is attached to your account, then you can withdraw money using it. For this, it is not necessary to visit a bank branch. Find the nearest Sberbank ATM and insert your card into it. Next, enter the pin code. If it was typed correctly, then a menu will appear in front of you. Select the section "Cash transactions" and then "Cash withdrawal". You will see a list of amounts that can be withdrawn. Choose the one that suits you.

If none of the values ​​shown on the screen suits you, click "Other amount" and enter the amount you need. Next, a question will appear whether a check is needed. Please note that with a positive answer, you will receive not only an indication of the amount you have withdrawn, but also find out the balance on the account.

Withdraw money at a Sberbank branch. If there is no ATM nearby, you can withdraw money at a bank card window. To do this, you will need a card, passport and your pin code. After the operator is convinced that the card is issued specifically for you, he will ask you to enter a pin code and tell the amount you want to withdraw. As confirmation of the transaction, you will be issued a check along with the cash.

Sources:

• How to close to receive money from an account without a passbook?

The possibility of withdrawing cash from an account with Sberbank depends on whether the plastic card. If yes, the client has a network of ATMs of the Security Council of the Russian Federation itself, devices of other organizations and a bank branch. If not, the only possibility is to contact the bank branch where the account is opened, and possibly several nearby ones.

You will need

• - Sberbank card;
• - passbook;
• - the passport.

Instruction

To cash in a branch of Sberbank, you need to go there with a passport and or a passbook.
Wait for your turn (depending on the branch, it can be live or, less often, electronic), present the passport to the teller and or and name the amount you would like to withdraw. If you wish, on the account, first report it, then say whether you will withdraw money if so, how much.

Depending on the branch, the teller will give you the cash himself or send it to the cashier, handing you a token or other identifier. You will also have to present your passport and passbook or card to the cashier.
Check the correct amount in the document that you will be offered, and sign it if everything is in order. Get the money and a receipt. When withdrawing cash from the card, a PIN code may be required. At the request of the teller or cashier, enter it from the keyboard of the device installed in front of the window of the cash register or the room where the teller is located.

To withdraw cash from a card at an ATM, insert it into the device. Enter the PIN code and confirm the correctness of the set by pressing the desired key. Select the option "Cash withdrawal" (or another with the same meaning) in the menu that opens on the screen. Choose the amount to withdraw from the suggested options or enter another manually. In the second case, confirm it is correct. The ATM will offer you to print a receipt. Depending on your decision, agree or refuse by pressing the appropriate key. Wait until the ATM issues a card, money and a receipt, if you have not refused it.

Related videos

note

Cash at Sberbank ATMs in the same region where the card was issued is withdrawn without commission. In other subjects of the Federation, it is provided, but lower than in the devices of third-party banks.

Useful advice

When withdrawing money from an ATM, it is better to print a receipt and keep it in case of possible disputes with the bank.

Related article

Sources:

• withdraw money from bank card

A deposit is an amount of money that a depositor places in a bank for a specified period of time to save and earn interest on it. Deposits can be opened by both legal and individuals. The term and rate on the deposit depends on its type. Deposits intended for accumulation of funds (accumulative deposits) are calculated for a certain period, as a rule, for 6-12 months. Deposits that do not have a shelf life have a low rate, but they allow the depositor to use them without restrictions.

Instruction

When closing a deposit, you need to remember for how long it was opened to you. When withdrawing money earlier than the term established by the agreement, the interest accumulated over a certain period can be recalculated at the “On Demand” rate. As a rule, banks offer 0.1 -1 for this. In such a situation, the specialist usually warns the client about possible consequences and offers to wait for the end date of deposit storage.

Deposits differ in the duration of keeping funds in the account. The most profitable involve the conclusion of a contract for a period of one year or more. Contributions to short time less profitable. However, the risk associated with their placement is much lower. After all, less time passes from the opening date to the closing date, which means it is easier to predict the situation on financial market.

Demand deposits have the lowest yield, since you can withdraw money from the account at any time. As a rule, this deposit is used not for the purpose of accumulation, but for temporary storage of funds.

If you remember that the closing date of the deposit has already passed, there is nothing to worry about. Some banks automatically renew the contract for the same period. At the same time, the interest rate on the deposit remains the same or changes in accordance with the new conditions of the bank for this contribution. Other credit organizations after the expiration of the period specified in the agreement, interest is charged for the storage of funds at the rate of the “On Demand” deposit.

In any case, there should be no problems with withdrawing money. To receive funds in hand, you need to contact the bank with a request for their issuance, having a passport and a copy of the deposit agreement with you or savings book. If the amount of the deposit is large, then it is better to warn about the intention to close it in advance so that the bank teller can prepare all the necessary cash.

Related videos

The funds placed in the bank, intended for saving and increasing, are called deposits. On the amount entrusted to the bank, the client receives income in the form of interest. The terms of interaction are regulated by the agreement, but the depositor can request his money back at any time.

You never know how on the balance of your phone there could be an indecently large amount that you definitely won’t be able to “speak” in the near future. Maybe you yourself mistakenly credited extra money when paying for mobile communications, or you receive payment for some work performed on your phone. Some, especially cunning credit card holders, cash out their credit cards in this way (first withdraw money to the phone balance, and then to debit card). In general, situations are different, and if you suddenly need to transfer money from your phone to a card, then in this article we will describe the main ways that will help you carry out your undertaking.

Withdrawing money to a bank card

The easiest way to cash out a mobile phone is to withdraw to a bank card. This method is offered by all members of the big three - MTS, Megafon and Beeline. To withdraw funds from a mobile phone to a card, you will need to go to the operator’s website (using the links above), select the “Transfer to bank card” section. Next, enter the mobile phone number, card details (card number, holder's name, expiration date) and transfer amount in the appropriate form. Everything is extremely simple - follow the prompts of the system.

Naturally, it will not be possible to cash out funds without commissions and restrictions.

• So, in MTS you can withdraw an amount from 1,700 to 15,000 rubles at a time. You can make up to five payments per day total amount up to 30,000 rubles. The commission for such a transfer is 4%, at least 25 rubles. We don’t know why the bank writes about minimum commission at 25 rubles, because when transferring even the minimum amount of 1,700 rubles, the commission will be 68 rubles.
• When transferring funds from a Beeline balance to a bank card, the commission will be 4.95%. At a time, you can transfer from 1,300 to 15,000 rubles.
• At Megafon, the commission directly depends on the amount of the transfer: when transferring amounts from 1 ruble to 4999 rubles, you will be charged 5.95% plus 95 rubles; and when transferring an amount from 5,000 to 15,000 - also 5.95% plus 259 rubles. Thus, the lower limit of the transfer is 1 ruble, the upper one is also 15,000 rubles. The monthly limit is 40,000 rubles.

In a word, the commissions are not small, and using a mobile phone for cashing credit card in this way is unlikely to be useful.

The speed of transferring to cards is from several minutes to 3-4 days, sometimes even 5 days. Here everything will depend on your bank, and surprisingly, even on payment system. So the money goes to the cards longer.

Another limitation for withdrawing money from the phone balance to a bank card is the card number. The fact is that all the forms presented on the websites of operators allow you to enter only a card number consisting of 16 digits, but there are also cards whose number consists of 18 or 19 digits, for example, a Maestro card from Sberbank. In this case, you can use the following method.

Withdrawing money to a bank account

This method can only be used to withdraw money from the balance mobile account Beeline or Megafon. For some reason, MTS does not practice this option.

Here everything is the same as in the previous method, only you need to select the "Bank account" item and indicate when transferring not card details, but card bank account details (account number of 20 digits, BIC).

You can withdraw from a Beeline account in this way from 500 rubles to 15,000 rubles per transfer, but not more than 15,000 rubles per day or 40,000 rubles per month. The commission is still the same - 4.95%. True, you can withdraw money to the accounts of not all banks, but only: Absolut Bank, Alfa-Bank, Bank24.ru, JI Money Bank, MTS-Bank, Probusinessbank, Otkritie Bank, OTP Bank, Renaissance Credit, Russian Standard, Tinkov, Home Credit.

• 300 000 rubles
• on the day of application
• 55 days
• by passport
• 12,9 - 29,9%
• 18-70 years old
• 590 r.
• by mail/courier
• 2.9% + 290 rubles
• MasterCard
• "Bravo"
• legendary Tinkoff card Platinum, which can be obtained without a single visit to the bank: fill out an application and receive a card by mail or courier. read review

Megafon has the same limits and commissions as when transferring to a card (see the previous paragraph). MegaFon also openly says that you can only transfer money to the accounts of leading banks. Therefore, if your bank is not on the list of possible recipients, then you can use other ways to cash out the balance.

Virtual cards

Another very interesting and profitable way to withdraw money from the balance of a mobile phone is.

So MTS offers a virtual MTS MONEY card from MasterCard, which is issued once with a zero balance, and then you can replenish it for any amount. The card is issued and maintained free of charge. The only commission is the commission for its replenishment, which is 1.5% of the amount. Thus, you can withdraw money from a mobile phone to an MTS virtual card for only 1.5% and make purchases or pay for services on the Internet (no commission will be charged for payments). Or, transfer money to a debit card through the service (with a commission of 1.75% of the payment amount, but not less than 25 rubles for each transfer).

Megafon also has a virtual card, already from the payment VISA systems. Here, the amount of funds on the card will be equal to the balance of your phone, that is, you will not need to constantly replenish it. There are also no commissions for issuance and maintenance. There is a commission for making payments by card - 1.5% of the amount plus 5 rubles.

• 300 000 rubles
• 1-2 days
• 50 days
• 22,9% - 27,9%%
• 22-60 years old
• 950 r. / 950 rubles
• by mail/courier
• 4.9%, min 490 rub.
• MTS Bonus
• Card issuance terminated
• A joint product of MTS and Citibank. For every 30 rubles spent, 1 bonus point MTS. An interesting service is available - pay in installments - the ability to increase the loan repayment period up to 1-3 years with a reduced interest rate. read review

Beeline subscribers can issue a virtual "Mobile Card" (in partnership with Alfa-Bank). Issue and maintenance are free. You can immediately withdraw cash from the card, however, with a commission of 4.95% (min 29 rubles) or transfer money to another card with a commission of 3.45%. Also, Beeline subscribers can also issue a plastic "Mobile Card" on a physical medium. Issuing a card will cost 95 rubles. Commission for cash withdrawal - 5.9% min. 125 rubles, commission for transfer 1.99%.

Getting cash

There is also the option of receiving immediate cash. So all three mobile operators MTS, Megafon and Beeline offer services for withdrawing funds through fast money transfer systems. The algorithm for such a transfer differs only in that you need to select the appropriate section (for Megafon and MTS - "Get cash", for Beeline - "Transfer to Unistream" or " Translation”), enter the phone number, the transfer amount and the recipient’s data (full name). And that's it. Then you can immediately go to the nearest transfer point and receive cash (money is transferred instantly). Don't forget to bring your passport with you.

With MTS, you can withdraw money through the Unistream, Leader, CONTACT systems. The transfer amount is from 1 ruble (through the CONTACT system from 1,000 rubles) to 15,000 rubles at a time, no more than 5 payments per day for a total amount of up to 30,000 rubles, per month no more than 40,000 rubles. Transfer fee 4%.

Megafon also allows you to withdraw funds through Unistream, Leader, CONTACT. You can transfer from 1 ruble to 15,000 rubles per transfer, the maximum amount per day is 15,000, per month - 40,000 rubles. The commission for the transfer, as with the transfer to the card, depends on the amount of the transfer: when transferring amounts from 1 ruble to 4999 rubles, you will be charged 5.95% plus 95 rubles; and when transferring amounts from 5,000 to 15,000 -5.95% plus 259 rubles.

Money can be withdrawn from Beeline via Unistream or CONTACT. The transfer amount can be from 100 rubles to 15,000 (no more than 15,000 per day, no more than 40,000 per month). The transfer fee is a record low 2.99% plus 10 rubles.

Table 1 - comparison of methods for withdrawing money from a mobile balance

To withdraw money from your phone, you can use money transfer. It can be carried out through the Unistream, Contact, Leader system. The term for crediting funds varies between 10-60 minutes. To make a transfer, you need to fill out an application on the official website of the mobile operator or send SMS. For example, to cash out money from a Megafon personal account using contact systems, send a message to number 3116 with the text "Con, amount, name and surname of the recipient." Or fill out the form on the website. To receive a transfer, apply with a passport to the point of issue of transfers.

Method number 2

You can also transfer money from your account to a bank card or account. To do this, you must fill out a form on the website of the mobile operator. Megafon subscribers can top up the card by sending an SMS to the short number 3116 with the text "card, card number, month and year, amount." MTS customers can fill out an application on the website. The term for crediting funds can be 5 days. The transfer amount cannot exceed 15,000 rubles.

Method number 3

If you have an electronic wallet, such as Webmoney, you can transfer funds to it. To do this, you need to attach a mobile phone number to the system. When transferring funds, you will receive an SMS message on your phone with a guide to confirm the operation. Note that the transfer fee will be rather big, for example, an MTS subscriber will pay 12.5% ​​+ 10 rubles, Megafon - 7.95%, and Beeline - 5.95%.

Method number 4

If you want to terminate the contract with the operator, but a rather large amount remains on your personal account, you can cash it in the company's office. To do this, you need to fill out an application for termination of the contract, indicating in the document the details for transferring funds.

A savings account allows you to save free money and provides an opportunity to withdraw it in case of unexpected expenses. Like checking, savings accounts offered by banks are usually insured by the government. Savings accounts usually offer higher interest rates and more restrictions on withdrawals compared to checking accounts, and lower interest rates and greater access to money compared to investment accounts. This article will show you how to withdraw money from the four most popular types of savings accounts.

Steps

Part 1

A standard savings account is also known as a savings account with a passbook issue. At the time of opening an account, you are given a savings book to record any withdrawal or investment. A standard savings account may have low minimum requirements or even no minimum balance requirements. It also means very low interest rates, so your money won't grow much.

You can find out about the existence of withdrawal limits by calling your servicing bank or by visiting its website. Find out if you can transfer money between multiple savings or checking accounts, and any penalties for exceeding the limit.

Access your account online. This is the best way to withdraw money from a savings account and deposit it into a checking account. Many banks refer to this as a "transfer" rather than a "withdrawal" as the money is not transferred to a third party. They remain in the bank, even if only for a short period of time.

• Transferring funds from one account to another in most cases is possible through the bank's website, which makes such transfers simple and affordable. Specify the amount you would like to transfer from your account and the date on which this amount should be transferred. Many transfers between accounts can occur immediately after the application is made.

1. If you do not have a checking account linked to a savings account, you will have to go directly to a bank branch to withdraw money. There you will need to fill out a special form and indicate in it the amount that you would like to withdraw from the savings account. The bank employee will likely need your photo ID, your savings account number, and you may be required to enter a password or PIN.

   To withdraw money from your savings account, use your debit card and ATM if allowed. This option has been used more and more in recent years. Standard savings accounts are most often linked to checking accounts, which is why many banks allow you to withdraw money from ATMs. Insert your card into an ATM, enter your PIN, select a savings account and enter the amount you would like to withdraw.

   • With all these methods, don't forget that there is a 6-time withdrawal limit in one banking period (in the US). However, some banks may change this condition from time to time. Therefore, it is a good idea to check with the bank for details.

Part 2

1. Know everything about your online savings account. Strictly speaking, they are exactly the same as traditional savings accounts, except for the need to visit a bank branch. Usually, such internet accounts can offer higher rates due to low overhead costs (maintenance of an office with employees, and so on).

   • If you are not worried about not being able to come to your bank and inquire about your account or transactions in person, an online savings account should be considered as an option.

2. You can check your balance and withdrawal limit online. If it seems to you that your Internet bank complicates this procedure, then it's time to change it.

   You can also transfer funds via the internet to a checking account opened with the same internet bank. The procedure should be very simple and free.

   • If you have a checking account, you will most likely be given a debit card as well. You can access money in a savings account with this card. But it all depends on the policy of your Internet bank.

3. You can transfer money to an account in another bank. To do this, you may need to link an external account to your Internet savings account. To make a link, you will have to specify the details of your external account (account number, and so on).

   • This procedure may take some time and you may be required to do a small transaction between accounts to prove that the link is legal.
   • This is possible, but hardly convenient, as you may incur fees from one or both institutions when transferring funds. Keep in mind that the US withdrawal limit applies to online savings accounts as well.

Part 3

1. Know everything about your money market account. A money market account is sometimes referred to as a high-yield savings account. It usually provides more high stakes return compared to a traditional savings account. However, its minimum balance requirements are higher. This account invests in government and corporate securities, and pays interest on those investments. Do not confuse this account with a money market fund offered by stock brokers.

   • As with other savings accounts, US bank money market accounts are generally insured by the government. Therefore, they are also subject to a 6-time withdrawal limit.
   • Unlike traditional savings accounts, money market accounts often place restrictions on the writing of checks.

2. Track your monthly withdrawals and know your bank's rules and restrictions. You can find out about the existing monthly limit for withdrawing money from the account by phone or on the bank's website. These accounts follow the federal withdrawal limit and you will be fined if your balance drops below the minimum.

   You can transfer the required amount of money to a checking account online or in person. Still, it can be considered as a withdrawal of money, even though the money does not go directly to a third party.

   You can write checks. Money market savings accounts provide checks to their customers on a regular basis, placing them somewhere between a savings account without the ability to write checks and a checking account with unlimited ability to write checks. You may be able to write a maximum of 3 checks per month.

Part 4

Know everything about your medical savings account. In the US, this account allows you to save money for medical expenses without withholding taxes. Money is not taxed federal tax neither on deposit nor withdrawal when used to pay qualifying medical expenses (as defined by federal law).

• The account is more like a savings account than insurance. It is portable, that is, it is stored even when changing jobs and in other similar cases.
• Only individuals enrolled in a high deductible health insurance program as defined by federal code can deposit funds into a medical savings account, but you can still keep and use the funds even if you are no longer enrolled in the program.
• These accounts also have deposit limits.

1. Get a list of qualified medical expenses. In the US, this information is available through internal tax service. You can only withdraw money from your account without withholding taxes if it is used to pay for health care services on this list.

   • Also learn about the requirements for enrolling in a high deductible health insurance program and the restrictions on depositing money into the account. They may change from year to year. You can also check this information with the tax office.

2. See doctors whose services are on the list. Visits to doctors and the treatment or medicines prescribed by them are the basis for withdrawing money from the account without withholding taxes.