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

You can make shipments between your cards or to the account of another bank client. In some cases, a small bank commission is charged for the operation, in others - no. Let us consider in more detail the methods of non-cash transfers between Sberbank cards.

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

Sberbank is an SMS service that allows the client to receive notifications of account movements. Also through it you can make some banking transactions, including non-cash payments on cards.

By sending SMS to number 900, you can transfer money to your cards or to a friend's card. In the second case, the obligatory condition 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 to number 900 in the following format:

TRANSFER 0123 3210 5000

where 0123 - the last 4 digits of the card number from which the money will be withdrawn, 3210 - the last 4 digits of the credit card number, 5000 - the payment amount in rubles.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 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 If more than one card is linked to your Mobile Bank, you can choose from which one the funds will be withdrawn. 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 specification of the debit card number - the money will go to the recipient's main card.

Please note that there are a number of restrictions on this type of operation:

1. departures are possible only from debit cards (transfer from a credit, corporate and virtual card is not possible);
2. all payments are made in rubles (transfer to a foreign currency card is not possible; when transferring from a foreign currency account to a ruble account, the amount is recalculated at the rate set by Sberbank at the time of the transaction);
3. limit on the number of transactions: no more than 10 per day;
4. limit on the amount of transactions: no more than 8000 rubles per day.

Online without leaving home

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

To make a transaction in this way, 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 cashless 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 step 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 amount of the transaction 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

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 money, 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 main menu of the ATM, 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 number of the card to which the funds will be transferred (or cell number, if the appropriate item was selected).

Be careful about the correctness of the numbers you enter.

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

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

Using the terminal

A cashless transfer from account to account is also possible using a Sberbank payment terminal. Since Sberbank ATMs and terminals share the same software shell, the algorithm for performing 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”.

With the help of Sberbank online

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

Help Mobile Banking

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

Sberbank commission in percent

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

In different cases, it is:

1. 0% if the accounts of the sender and recipient are opened within the same city;
2. 0% for shipments via Mobile Bank;
3. 1% (but not more than 1,000 rubles) for transactions through Sberbank Online in Russia.
4. 1% (but not more than 1,000 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 accounts of the recipient and the sender are opened in the same city;
2. transfer of funds is carried out through the Mobile Bank.

Despite the fact that the capabilities of the Mobile Bank allow you to make payments without a commission, it should be remembered that a limit of 8,000 rubles is set for these operations.

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

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

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

Confirmation of the first type is used when making transactions through ATMs and self-service devices (terminals); SMS confirmations - when transferring funds through Sberbank Online or when using Mobile Banking. It is impossible to send money to another account without any confirmation, otherwise the need for any security system would simply disappear.

Important in the bank's instructions for a successful transfer

When transferring funds from account to account, special attention should be paid to:

The correctness of the entered data

First of all - the data of the recipient. If a mistake 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 extremely reluctant; most often the bank simply refuses.

Commissions charged

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

Limits

Upon reaching a certain daily limit, 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, here the limits are up to 500,000 rubles. per day. This is usually more than enough to make private transfers or manage your own accounts.

To make a transfer from a Sberbank plastic card to cards of other banks, most users today use the Sberbank Online system. There are other translation solutions:

• through Mobile Bank;
• using ATMs;
• special internet services.

To perform the reverse operation - transfer money from a card of another bank to a Sberbank card product, you can also use the above methods. Not all financial institutions have a mobile bank, most often they offer to download a mobile application - an analogue of a personal account.

The fastest way is to use your personal account in the service of the issuing bank that issued the card.

Transfer procedure via SMS

Sberbank provides a unique service called Mobile Banking. To perform the corresponding operation, you need to indicate the word TRANSFER, the card number of the payee and the amount in SMS to number 900. There are no alternatives to this service in other banks. Although most banking organizations indicate Mobile Banking in the list of their services, we are talking about the presence of a mobile application.

Most popular mobile banking apps:

• Tinkoff;
• Messenger;
• Alfa Bank;
• Promsvyazbank;
• VTB 24.

Therefore, via SMS, transferring money to a Sberbank card from a card of another bank is available only if a Mobile Bank is connected to the sender's card.

An example of such an operation: how to transfer money from a Sberbank card to a Sberbank card through number 900, read

Transfer through personal account

Let's talk about this service using the example of transaction transfers: transfer from a VTB card to a Sberbank card.

So, initially you need. To do this, you need to come with a passport to the VTB24 branch and write an application for connecting the service. There, the client will be given a username and password to enter the system. Next, you need to log in to the application and select "Transfers to the card" in the "Transfers to the card". It remains to indicate the recipient's card number, amount and confirm the operation by entering the code received via SMS. This is done for security purposes.

Transfer via ATM

To use this method, you need to take the card of the corresponding bank and insert it into ATM. Next, enter your personal PIN code. In the list of offered services, select "Payment for services and transfers". If you are using a non-Sberbank ATM, you need to select "Transfer to the card number of another bank." Next, enter the 16-digit card number. By clicking "Continue", you will be taken to a page where you must enter the exact amount of the transfer. Check all the parameters for transferring to a Sberbank card from another bank and confirm the operation. Now the money will be automatically debited from the card inserted into the ATM.

Another option to perform the given transaction − special payment terminal, which may belong to both Sberbank and another banking organization. In the menu on the screen, you need to select a service for transferring funds and enter your mobile phone number (this number must be linked to a specific card account). After entering the received password, you will need to enter the details of the recipient.

Commission for transfer to a Sberbank card

The size of the commission depends on the tariffs established in banking organizations, with the help of which funds are transferred to the account of Sberbank. For example, if a VTB24 ATM is used, then the fee will be 1.25% - 1.5% of the transaction amount. In this case, the minimum tariff is 50 rubles. When conducting an operation through the Personal Account, the commission is 1.5%.

Sberbank offers a full range of possible services for managing its capital, including the transfer of funds to card accounts both within the organization and in cooperation with other financial institutions. Therefore, customers are interested in the question of how much the commission for transferring from a Sberbank card to a card of another bank will be.

Internal Transfer Fee

For operations within Sberbank accounts, there is both, and with payment for the service. You do not pay a transfer fee if:

• make a transaction between your own cards, i.e. the ones designed for you
• the operation takes place between cards received in the same region or branch of Sberbank
• when withdrawing money to a credit card of the same region as the sender

Commission is charged if:

• accrual is made to the card of another region
• you send money to someone else's card
• the transaction is carried out through remote services

In these cases, the commission fee will be 1% (within 1 thousand rubles) from the sum. It is also possible to withdraw 1.5%. This happens if you make a transfer at the cashier directly at the physical office of the bank to a card that was issued in another division of another region.

Features and conditions:

• there are no restrictions on the amount when conducting a transaction through a bank branch, when using a mobile application and service Sberbank Online- before 500 thousand rubles
• billing will be done instantly

Fee for transfer to a card of a third-party bank

The commission when sending funds from a Sberbank card to a card of another financial institution is identical to the fee that is deducted when transferring funds to the internal accounts of this issuer (1.5%).

Important

Please note that the withdrawal of money by the number of the payment instrument at the office is not carried out.

Money transfer to the card of another has the following features:

• limit on the amount for a single transaction (maximum - 30 thousand rubles)
• (at and Maestro - 50 thousand rubles, in other cases - 150 thousand rubles)
• the operation time is 10 minutes. However, you need to check with the receiving bank for details, as in some cases the transfer can take up to 5 business days.

Money transfer options

One of the factors that affects the interest when transferring from a Sberbank card is the way the operation is carried out. There are several of them:

and terminals

1. insert the payment instrument into the card reader and go through authorization
2. go to the menu Payments and transfers, select recipient
3. enter the recipient's card number

With the help of Sberbank Online

1. log in to your personal account
2. enter the payments and transfers section, select the appropriate item indicating the type of operation and the recipient himself
3. enter the required details and approve the operation

By phone

There are two options for a transaction using a mobile phone:

On the mobile app

1. download the app and log in
2. in the transfer menu, select the desired recipient option
3. enter the recipient's data: card or mobile phone number
4. confirm the transfer of funds

Via mobile banking

The operation is carried out via SMS to the contact number 900 :

• PEREVOD (or TRANSLATION)
• recipient's phone number
• sum

Message example: TRANSLATION 8ХХХХХХХХХ 1000

If several cards are linked to the phone from which you are sending the message, then the account from which the money will be transferred will be selected randomly. If you want to specify a specific one, then after the word TRANSLATION you must write the last 4 digits of the desired card.

In the division of Sberbank

A method for making financial transactions, including transferring funds from one card account to another. If you do not have a credit card with you from which you need to write off money, then it is enough to present your passport - yours will be determined by it. Next, you need to provide the recipient's details, after which the operation will be completed.

If your course of action involves a commission fee, then it will be from 30r. (limit - 1 thousand rubles). This means that if you list 10 r., then the fee will not be the percentages indicated above, but all 30%. With a dollar transfer, the commission is at least 15$ (limit - 150$ ).

You should also be aware that the commission fee is not withdrawn from the amount that is transferred. The fee is paid by the sender. That is, the total amount withdrawn from his account will look like % commission + funds sent.

Today, transferring funds to another person has become much easier. There is no need to go to the nearest bank branch, since you can transfer money without leaving your home if you have the Internet or a mobile phone. However, you must be authorized in the relevant services. Sberbank also provides remote servicing services to its customers.

Terms and methods of transfer

Today, Sberbank has the opportunity to carry out non-cash transfers of funds of banking institution customers from card to card in Russia. This procedure has the following features:

• the transfer is carried out instantly;
• you can transfer euros, rubles and dollars;
• depending on the transfer options, there are different limits;
• you cannot cancel the transfer;
• the system commission depends on the recipient's card, geography, transfer option and is 0.5 - 1.5%.

Funds can also be transferred via mobile banking. However, this method has the following limitations:

• no more than 10 transactions can be made per day;
• you can transfer no more than 8 thousand rubles per day.

How to activate and connect Sberbank Online

You can quickly pay bills and make money transfers directly from home today. This is very convenient, because there is no need to stand in line at the checkout for a long time. Therefore, many Sberbank customers have increasingly begun to use a service called Sberbank Online. However, some customers of this banking institution do not know how to connect to this service. So how do you do it?

In order to have access to the personal account of the Sberbank Online automated system and be able to carry out transactions with your personal funds, you need to have a login and password.

Login to your personal account

It should be noted that recently, Sberbank customers have the opportunity to connect to Sberbank Online via the Internet on their own, without having to contact a bank branch.

The automated interactive system Sberbank Online enables bank customers to obtain data on their accounts and various services provided by the bank. Here you can open accounts, take loans and make various payments. So, for example, it is possible to pay for the services of providers of the Internet, cable television, utilities, as well as various types of communications.

Thanks to the system, you can make payments according to the necessary details, transfer money between deposits and cards, as well as replenish various electronic accounts.

To have access to Sberbank Online, you must first order a plastic card, after which it must be connected to the Mobile Bank system. To do this, you need to visit any Sberbank branch that provides services to individuals.

The opportunity to use Sberbank Online is given to each holder of a Sberbank plastic card. You cannot connect to the system if the client has local, corporate Sberbank Maestro cards and Sberbank Maestro "Social" cards of the North-West, as well as Volga territorial banks.

To use an automated interactive system, you must also have an appropriate contract.

There are 2 ways to connect to Sberbank Online:

After receiving a permanent password, as well as a login, you can already enter the personal account of the system. It has the ability to change the password if necessary.

Recently, it has become possible to connect to the system directly on the bank's website. It takes little time and is very convenient.

Transfer via Sberbank Online to a bank client

Stage 1. After you have logged into your personal account of the Sberbank Online system, you can see the card on which the funds are located. On the right side you will see the "Operations" button.
By clicking on it, a menu will be available in which you need to select the option "Transfer to a private person".

Stage 2. On the page that opens, the following options will be available:

Stage 3. By clicking on the transfer to the client of Sberbank, it will be necessary to fill in the data in the page that opens.

When filling in the details in the "To" submenu, you need to enter the recipient's card number, debit account and transfer amount. In the "Message to recipient" section, you can enter (optionally) a message that will be sent to the recipient's mobile phone. After that, click on the "Transfer" button.

We fill in the details

Stage 4. After the actions taken, a page will open on which you should carefully check all the information entered. If all the entered data are correct, then you should click on the "Confirm by SMS" button. After an SMS with a one-time verification code has arrived, it must be entered in the appropriate field, after which the transfer will be carried out.

Transfer via Sberbank Online to a card of another bank

If funds need to be transferred to a person on a card of another banking institution, you must select at step 3 the transfer to an individual on a card in another bank, during which the recipient's full name is not displayed. All other actions are performed in the same way.

What is the fee for transferring funds

When making a transfer in one city, there is no commission fee for this, regardless of the currency or ruble.

Within the Russian Federation, for transfers made through the automated Sberbank Online system, you will have to pay a commission fee of 1% if the transfer was made in rubles (the maximum amount is 1 thousand rubles). Commission for transfers in foreign currency will be 0.5%, while the transfer amount should not exceed $50.

If transfers are made within the Russian Federation through cash desks in Sberbank branches, then the commission will be 1.5% for transfers in rubles. At the same time, the minimum transfer amount is 30 rubles, and the maximum is 1 thousand rubles. If a person makes a transfer in foreign currency, then at the bank's cash desks the commission will be 0.7%. In this case, the maximum transfer amount should not exceed $100.

2017, . All rights reserved.

Having received plastic cards, their owners get the opportunity to send money without involving cash. This is sending money to relatives, paying for the services of freelancers, contractors, paying loans and other reasons that require such an operation. A transfer from Sberbank to another bank has certain features that must be taken into account for the correct implementation of the transaction.

Terms of the operation

It takes a minimum of time to complete a transaction: in 5-10 minutes, the money arrives in the account. When sent to the branch, enrollment takes up to 2 days. Sometimes a transaction can be delayed up to 5 days, but this is due to the technical capabilities of the banking institution where the payment was made.

Money transfers connect even the most remote corners of the world

Maximum amount

The maximum amount of transferring money from Sberbank to another bank is 30 thousand rubles. , but there are daily limits on payments: for Visa Electron and Maestro - 50 thousand rubles. , and for other types of cards - 150 thousand rubles.

The department does not set restrictions on ruble transfers. Currency restrictions depend on the capabilities of the financial institution.

Possibility to cancel the operation

Sometimes it happens that when making a payment, the sender may make a mistake and wish to cancel the transaction. If payment were made between cards of one banking institution, then the issue of canceling an erroneous payment would be the responsibility of this institution. But in a situation where funds are transferred to the plastic of another financial institution, the cancellation of the transaction is not provided. The issue of a refund can only be resolved with the recipient.

Transfer methods

Through Sberbank Online

The most comfortable and instant way, not limited by time and location, is a remote service. But first you need to connect to it. The sender, using his login and personal password, enters his Personal Account, and then - in the "Payments and transfers" subsection. Then click on the line "Transfer of funds", enter the number of the recipient's payment card, checking the correctness of the input, and the amount to be sent. Successful transaction will be confirmed by SMS. If the sender is not connected to the remote service, he will be able to get an identification password in any terminal.

Via mobile offer

It is not possible to transfer funds via SMS to a client from another banking institution. The procedure can be performed using your own smartphone by installing "Mobile Banking". This can be done through Internet banking, at a branch or using terminals. After connecting, you need to install the service. Then you should go through authorization and act according to the previous paragraph. If funds are transferred to the account of a financial institution, its details are indicated, and if to an individual, the number of his plastic card.

How to transfer via ATM

The most profitable and easiest way to send money: the commission fee is only 1%. To carry out the procedure, only the plastic number of the recipient is required. To conduct a transaction, the sender inserts his own card into the terminal, dials his personal PIN code, and then with one click into "Payments and transfers". Then go to the line "Transfer of funds" and enter the details of the recipient's card.

At the bank branch

The most traditional option, how to transfer money from Sberbank to another bank, is at the branch cash desk with the help of a teller. The sender must have a passport with him and know all the data on the recipient's card, as well as the account number, TIN, BIC, correspondent account. Sometimes cashiers offer to make a transaction in a terminal located in the branch itself.

Transfer fee

When transferring to the account of another financial institution, the following fee is set:

• in a bank branch - 2% of the amount in rubles and 1% in foreign currency (the minimum commission is 50 rub. or 15 dollars, the maximum - 1500 rubles. or $200);
• through an ATM - 1%;
• with the service - 1.5% (minimum commission - 30 rubles)