When repaying loans online, the borrower must know exactly when it will not work through the bank’s personal account.

The terms of Sberbank's loan agreements provide for an annuity payment schedule for loans. This means that every month the borrower must deposit the same amount of funds into the account for the entire duration of the contract. The payer does not have to reconcile the monthly payment amount, however, he can only pay the annuity monthly payment online.

A similar situation occurs when paying for loans through an ATM.

If the borrower wants to repay a larger amount of money than is due according to the schedule, he can submit an application to the bank or change the loan parameters through his personal account. Otherwise, the amount paid by the borrower will remain hanging on the personal account.

The loan repayment process is as follows:

This operation can be carried out only on the operational banking day.

Commissions and restrictions

Currently, in order to pay a loan, you do not need to leave your home at all. Especially if you have the required amount on your debit card, why not pay online. Active users of Internet banking are wondering if it is possible to pay a loan using the agreement number in the same or another bank through Sberbank Online? If only the number of the loan agreement is available, but you know the amount of the monthly payment, you can make a payment through this Internet banking. Now we will tell you how to do it.

It is not worth mentioning how useful the Sberbank Online system is for the average user. In fact, this is a bank branch in your home. Through this system, you can apply for loans, get approvals, and then pay off these loans. If you need to repay your own loan taken from Sberbank, there is no problem. The system will display this loan itself, and to pay it, you will only need to select it and define a write-off card. With loans taken from other banks, the situation is a little more complicated, but not much.

1. We log in as usual in the Sberbank Online system and get to the main page.
2. We make sure that the debit card has the necessary amount to pay the debt.
3. We go to the usual section "Payments and transfers". There are a lot of things in this section, but we need the “Repayment of a loan in another bank” tab.
4. Next, a list of banks with which PJSC Sberbank cooperates will open. In these banks, a loan can be repaid, knowing the full name of the payer, his address and the number of his loan agreement. We choose, for example, Alfa-Bank.
5. A form opens in which you need to enter data.
6. After all the data has been entered, select the debit card from which you want to debit money from the drop-down list and click the "Continue" button.
7. At the next step, carefully check all the data and enter the payment amount.
8. Confirm the financial transaction and do not forget to keep the receipt.

The funds will be credited to the account of the partner bank instantly, however, there are cases of delays either due to the fault of Sberbank or the fault of the partner bank. In case of delay in payment, the client will not be responsible, but we recommend that you pay the loan in advance. At least for 5 days. If we take into account that, according to the law, the delay in the transfer of money cannot last more than 5 business days, it means that you need to throw off money as payment for the loan 5 days before the date of payment. So more reliable.

Unfortunately, if your loan was taken from a third-party bank that is not on the list of Sberbank partners, you will have to transfer via BIC. To do this, go to the subsection "Credits / Transfers to another bank by BIC", enter the required numbers, select a debit card and confirm the payment.

Other payment methods

You can pay a loan at a third-party bank not only through the Sberbank Online system, but also through Mobile Banking. You can do this by the account number, if you have it at hand. Let's consider the procedure.

1. Let's log in to the system.
2. Open "Transfers and payments".
3. We find the subsection "To an account in another bank."
4. We fill in the fields of the card with information about the current account number, debit card, payment amount.
5. Click the "Pay" button and confirm this simple financial transaction.

If you have problems accessing the Internet and have nothing at hand except a mobile phone, do not despair. If you have a loan in Sberbank, you can pay using SMS. The condition is as follows: the phone must be associated with a bank card, that is, the SMS banking service must be connected to it. We dial SMS: CREDIT<двадцатизначный № счета><сумма платежа><последние 4 цифры номера карты списания>.

The text will look like this: CREDIT 54673990689944092573 8500 4521, you do not need to put any punctuation marks, it is permissible to put spaces separating the account number, payment amount and card number. As soon as the SMS is typed, we check its content, and then send it to number 900. The money to pay for the loan will be debited instantly, unless, of course, you made a mistake with the payment details.

So, repaying the debt by the number of the loan agreement, by BIC or by other details through Sberbank Online is as easy as shelling pears. You can spend 20 minutes and figure it out on your own, or you can save this time by reading our article and making a payment in 3 minutes. Good luck!

The system of payment through the Online Bank is very convenient for borrowers. Payments can be made from home or at work. All you need is an Internet connection and a login and password to enter the Bank's Personal Account.

Login and password are obtained at a bank branch or at an ATM. In the bank, a login with a password from a personal account can be obtained by contacting the operator. An agreement for Online service is concluded, the login is indicated in the agreement, and a temporary password is sent in an SMS message. Some banks issue a username and password in a special envelope.

In Sberbank, the login can be found through the Contact Center by calling 900. To verify the identity, the operator specifies personal data and asks for a code word. To receive data through an ATM, you need to insert a card, enter a PIN code, select the "Online Bank" item in the menu. The information will be indicated on the printed receipt.

How to pay a loan through Sberbank Online

Monthly payments for loans taken from Sberbank are automatically debited from the client's account. If automatic debiting is not configured, then money can be transferred from a debit account to a credit account using the Sberbank Online service.

To make a payment through Sberbank Online, you must perform a number of actions:

1. Go to the "Payments and transfers" tab and select "Transfers between your accounts".
2. Specify the account from which the payment amount will be debited.
3. Choose a credit account.
4. Enter the transfer amount.
5. Click on the "Translate" button.
6. We confirm the transfer.
7. The payment form opens with the "Completed" icon.

The second payment method is through the "Credits" menu item. Open the tab, find the loan that you want to pay. Select the account from which the payment will be debited and the amount. Click "Confirm Payment". Funds within the bank are credited to the credit account on the same day.

Payment to Sberbank Online for a loan from another bank

Paying off a loan from a third-party bank through the Sberbank Online payment system is available to borrowers of any bank. For payment, you need to know the details for the transfer of funds.

Procedure for paying a loan:

1. Go to the menu item "Transfers and payments".
2. Select the tab "Repayment of loans in another bank."
3. In the list, select either the desired bank or click "Transfers by BIC".
4. Select the account from which the loan will be paid.
5. Enter the BIC of the bank - the recipient of the payment. (BIC can be obtained from the loan agreement or at the bank. For example, BIC Home Credit 045585216)
6. Click "Continue".
7. We fill in the personal data of the payer.
8. Specify the amount and credit account.
9. The payment is confirmed through the code in the SMS message.

Before confirming the payment, you need to carefully check all the payment parameters, otherwise the funds will not reach the addressee and will be returned to the sender's account. This may result in a delay in payment.

How to pay a loan through Alfa Bank online?

To pay a loan through Alfa Bank, you can use the Alfa Click account.

For payment you need:

1. Go to the "Credits" tab. Information on current loans and the amount of monthly payments will appear.
2. Select "Pay the loan" and the payment method "From the current account".
3. Specify the account from which the repayment will be made and the amount.
4. We check the data and confirm the payment.
5. Enter the code from SMS.

You can also check the amount credited in the "Credits" tab.

Alfa Bank makes it possible to repay a loan from any bank card. To do this, select the payment method "From a bank card", fill in the card details and confirm the payment. The mobile banking service must be connected on the card.

Payment for a loan in a third-party bank is made according to the details of the loan account. Select the "Transfers" tab, fill in the payment data. You need to specify the time of payment in advance.

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How to pay a loan online at Post Bank?

Post Bank accepts payment through the site

To make a transfer, you need to fill out the payment form:

• contract number;
• name of the borrower;
• e-mail;
• card type Visa or MasterCard;
• replenishment amount;
• check the box to familiarize yourself with the conditions for the processing of personal data.

The transfer fee is calculated automatically, depending on the type of card. When paying with a Visa card, the commission is 2.5%, with MasterCard - 1.9%. The final amount payable is already subject to commission. Next, the card details are filled in, the details are checked. To confirm the payment, you must enter the code that will come in SMS.

Payment by credit card is made here, on the website of Post Bank: select "Make a payment", then mark "By card number". Enter the replenishment card number, the payer's personal data, the details of the card from which the payment will be made. We check the filling of the details and confirm the payment.

In what cases will you not be able to pay?

Paying a loan online will not work if the borrower is trying to deposit a larger amount than specified in the agreement. The agreement provides for annuity payments and the bank monthly exposes the borrower the same amount for payment. That is, the money, of course, will go to the bank, but will remain hanging on the personal account until the next repayment date. In order for the bank to accept these funds to pay off the debt, you need to write an application and give it to the bank.

It will not be possible to pay a loan if the credit account is blocked for one reason or another. This is what happens when an arrest is made by bailiffs.

Commission and restrictions

Intra-bank transfers are made without charging a commission. For transfers to third-party banks, you need to pay from 1 to 5% commission. At Sberbank, the commission for transfers to accounts in third-party banks is 1.5%. Transfers from Sberbank debit cards are limited to 30,000 rubles per transaction, and from 50,000 to 150,000 rubles per day.