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.

When translation may be needed

As a rule, bank account holders have several plastic cards for ease of use. For security, it is better to use one card for purchases and transfer a certain amount from other cards for purchases.

Transfers from card to card are necessary to replenish the account of a wife, relative or friend, at their request. This can be a transfer from a card of one bank to a card of another bank.

Often, when performing work between private 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 work contractor.

There is also a need to pay for purchases on the sites Avito, Yula and the like. And the question often arises of how to make a transfer from card to card to the seller so as not to be deceived. Main advice: the purchase amount should be small to avoid fraud.

Basic ways to transfer money from card to card

Let's look at the main ways to transfer money from card to card.

Intrabank transfer from card to card online

If plastic cards are issued by one bank, this significantly simplifies the procedure for transferring money from card to card. For the owner of several cards in one bank, such a transfer is even simpler.

For example, in Sberbank of the Russian Federation, when cardholders use the Sberbank Online service, they only need to open the “Transfers and Payments” section in their personal account and select “Transfer between their accounts and cards” there. In the window that opens, select the card from which the transfer will be made, the one to which the money will be transferred, and the transfer amount. Then perform the “Transfer” operation, and the money without a password will be credited to the specified card, about which you will immediately receive a message and the requirement to “Confirm” by clicking on this entry in the window.

The transaction will be notified in the next step. If desired, you can print the transaction receipt.

And although Sberbank is a leader in the development of remote services for clients, most banks provide this option without commission (unless it is a credit card) and without a 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 need to 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 Sberbank client” in your personal account. In the window that opens, select “recipient’s card” or “card by mobile phone number” and fill in one of the two options.

The next step is to select your debit card and indicate the debit amount. If you wish, you can send a short message to the recipient. Click “Transfer” and in the window that opens about the completed transaction you will need to confirm this operation with the code received on your phone. Only then will the transaction be completed.

How to transfer money from card to card on a smartphone? At Sberbank the procedure is similar. Log in to 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 country's main banks have mobile banking and online service systems, within which intrabank transfers are free and available to owners of plastic cards issued by these financial organizations.

Limits on transfers in the mobile application between your cards in the same bank are often similar to the limits set for Internet banking. But transactions via SMS are more strictly limited. Thus, in Sberbank Mobile Bank the daily limit is up to 1 million rubles, while using SMS you can send no more than 8 thousand rubles.

Online transfers between clients of different banks

How to send money from card to card of different banks online? The procedure differs from the previous one in a more thorough check of the elements of the transaction and the commission for its implementation.

The easiest way to make an online transfer is in the personal Internet account of the credit institution where your card was issued.

For example, in Alfa Bank, to make a transfer using one of the online methods, you should log into Alfa-Click with your username and password, select the “Money transfers” section on the top panel of your account and then select “Transfer to card”, select the debit card and dial recipient's card number with the transfer amount.

Click “Continue” and the bank will then inform you of the amount of money debited from your account along with the commission (1.95% of the transfer amount) for transferring money. 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 Mobile Bank using a phone linked to it, provided that there is a phone at the other end with a connection to Mobile Bank.

For example, in the Sberbank Mobile Bank, the problem of how to transfer money from card to card is solved in several steps: send an SMS to number 900 with the text “Transfer, the last four digits of your card, the recipient’s phone number, the transfer amount.” In a couple of minutes you will receive a response with the transfer parameters, if you confirm everything correctly.

Limits on transfers between cards vary from bank to bank. Thus, 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.

Transfers via ATMs

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 must find an ATM of the bank that issued your card. This is more convenient, since you know the ATMs of your financial institution better, and the commission amount will be significantly lower than at ATMs of other banks.

Enter the card with 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 transfer details:

• recipient's card number;
• transfer amount.

In some banks, at terminals you will be required to fill out card details: card expiration date and CVC. After filling out all the details, you can send money to the address. The ATM will give you a receipt, which will indicate that the transaction was completed, but the transfer can last from several minutes to several hours.

Selecting a transfer method

When choosing a method to transfer money from card to card, important questions are:

• transaction security;
• minimizing the costs of transferring money.

Choice from the point of view of operational safety

To counter fraudsters and hackers, most large banks use security measures when working with plastic cards:

• enter a request for the secret code of the CVV2 card;
• introduce the 3D-Secure system.

When transferring funds from card to card, most banks without these funds transfer responsibility for the stolen amounts to the bank's clients. In essence, transferring information about the card number to a third party relieves the bank of responsibility for the safety of your funds in the card account.

Therefore, choose banks that follow security rules with a 3D-Secure system.

Choosing a money transfer with minimal costs

Banks charge fees for transferring funds. The size of the commission in each bank is determined independently. If the money transfer operation is a one-time transaction, then the choice of the card issuing bank is not important. If operations are regular, then you should look for a bank that has the lowest commission for these operations.

The following banks have the largest commissions on the transfer amount:

• OTP-bank - 2%;
• Alfa Bank -1.95%;
• Tatfondbank - 1.95%;
• Russian Standard - 1.9%;
• Rosgosstrakh Bank -1.9%.

Banks charge the lowest commission:

• FC Otkritie - 0.5%;
• Avangard - 1%;
• Moscow Industrial Bank - 1%;
• MTS Bank - 1%.

The best option would be to choose the minimum commission while taking into account the security of transactions.

How to make a transfer from a credit card for yourself or another person to a Sberbank card?

If you are transferring between your accounts, go to the “Transfers and Payments” section → “Between your accounts and cards” → fill in the fields and send the transfer.

If you are transferring to another person, in Sberbank Online go to “Transfers and Payments” → “Transfer to a Sberbank client” → select the type of transfer: by phone number or by card number → fill in the fields and send the transfer → confirm the transfer via SMS.

What is the fee for transferring from credit cards?

The transfer fee will be 3% of the amount, minimum 390 rubles.

To which card can I transfer money from my credit card?

You can transfer to a ruble debit card - yours or another Sberbank client. The transfer fee will be 3% of the transfer amount, but not less than 390 rubles.

How long does it take for money to be credited when transferring from a credit card?

The funds will arrive instantly, within a few seconds.

How much can I transfer from a credit card to myself or another Sberbank client?

You can transfer between your accounts without restrictions on the amount. Please note that the commission in any case will be 3% of the transfer amount, but not less than 390 rubles.

If you transfer from your credit card to another Sberbank client, the transfer will be taken into account in the total daily limit for all transactions in your Sberbank Online personal account. The maximum amount for transfers, payments and cash withdrawals is 1,000,000 rubles.

You can look at the transfer limit on your card in: to do this, find the page with tariffs for your credit card, and then the column “Total daily limit on the card account.”

This is incorrect information. Within the framework of the legislation of the Russian Federation, the bank does not have the function of withholding taxes from clients making transfers. The bank does not transmit information about client transfers to the tax office without an official request.

Will the sender of a card-to-card transfer be charged tax if the recipient is self-employed?

No, the sender will not be charged tax, regardless of the recipient.

Will the recipient of a card-to-card transfer be charged tax if the recipient is self-employed?

Within the framework of the legislation of the Russian Federation, the bank does not have the function of withholding taxes from clients making transfers; the recipient of the income reports for the income received. The recipient is obliged to independently transmit information about income to the Federal Tax Service in cases where income tax has not been paid by the employer.

Is it necessary to write comments on transfers “repaying debt” or “gift” so that card transfers are not blocked?

There is no such need, since the comments that the client can send to the recipient along with the transfer via SMS are created for the convenience of senders and recipients of transfers.

Where can I see the history of my translations?

You can view your transaction history in the Sberbank Online mobile application: click the “History” tab in the bottom menu. In the web version of Sberbank Online, in the “Personal Menu” on the screen on the right, find the item “Sberbank Online Transaction History”.

What to do if the transfer does not arrive on the recipient’s card?

First of all, make sure that you have confirmation of the debiting of funds - in an SMS from the bank or in a card statement. Then call the Sberbank contact center at 900 (from a mobile phone, the call is free). Our specialists will definitely find the translation.

Is it safe to transfer money using a mobile app or other methods?

We do everything to protect your money and personal data when working in the mobile application. But for complete safety, follow the rules:

Do not share your mobile app password with anyone.

Use only official bank applications for Android, iPhone, iPad and Windows Phone.

If you have lost your phone, immediately block your SIM card and Mobile Banking service.

If you have changed your phone number, please notify the bank by calling 900.

Set a password on your phone.

If your SIM card suddenly stops working, call your telecom operator and find out the reason: perhaps you are being attacked by scammers using a virus.

If a Sberbank client is faced with the need to transfer the nth amount to another client, but does not know the recipient’s card number, he does not have to call and demand to dictate the coveted numbers. You can send money within the Sberbank system using the recipient’s phone number - without specifying any additional details.

There are 4 ways to transfer money using a cell number. A Sberbank client can choose the most convenient one depending on what technical means he has.

How to transfer money using an SMS command?

Transfer using an SMS command is available to any of Sberbank clients using Mobile Banking. To transfer money to a phone number, you need to send it to the service number 900 This type of SMS message.

TRANSLATION 906ХХХХХХХ 10

On a mobile phone screen, the SMS looks like this:

Word " TRANSLATION" indicates an operation to be performed. You can write the command in another way - it is permissible to use the words “PEREVOD", “TRANSLATE”, “PEREVESTI". It is appropriate to write in both uppercase and lowercase letters.

906ХХХХХХХ– this is the recipient's phone number. The number must be specified without 8 or +7.

10 – the amount of transfer in rubles. There is no need to indicate kopecks.

In response to the sent request from number 900 you will receive something like this:

The sender needs to send another SMS to 900 - containing a 5-digit code. This way he will confirm that he really wants to make the transfer and did not make a mistake.

If several cards are connected

If the sender of the transfer has several Sberbank cards connected to one “Mobile Bank” (which is a common phenomenon), the electronic service itself will choose which of them to write off the amount from. The card owner can specify this point. To do this, in the text of the message he should write down the final 4 digits of the card on which the expense needs to be made, before the phone number. The SMS will look like:

TRANSLATIONYYYY906ХХХХХХХ 10

The service also selects a card for enrollment if at the recipient there are several of them. The sender can again specify which card to transfer the money to - the last 4 digits of the recipient’s card number must be entered after the phone number.

TRANSLATION 906ХХХХХХХYYYY 10

The note. It is always recommended to check the recipient's card number - otherwise the system may transfer money to a credit card with a debt, and the recipient will not be able to use the money received.

How to create a translation template?

If a Sberbank client constantly sends money through Mobile Bank one person, it can create a template. This will allow him to avoid having to enter a phone number every time he needs to make a transfer.

To set up a template, you should send 900 SMS in the following format:

CALL 906ХХХХХХХ "NAME"

Instead of “NAME” you need to enter any word to designate the addressee - for example, BROTHER. In the future, you can transfer money using a simplified command - like this:

TRANSLATION BROTHER 10

The note. If a user of Sberbank services wants to view the full list of templates he has created previously, he should send a message to number 900 with the word LIST.

How to make a transfer viaUSSD-request?

“Mobile Bank” allows you to make a money transfer not only using an SMS message, but also by entering a USSD request. The combination should have the following format:

*900*12*906ХХХХХХХ*10#

The number “12” in this combination indicates the type of operation (money transfer), the number “10” indicates the amount of the transfer.

Restrictions on transfers by phone number through Mobile Bank

There are a number of restrictions faced by users of Sberbank services who want to make a transfer using a phone number:

You cannot transfer money using your own number.

Currency transfer is not allowed - you can only receive rubles. If money is sent from a currency card, conversion occurs at the current Sberbank rate.

You won't be able to withdraw money from a credit card or corporate card.

There are also limits on the total amount of transfers per day (up to 8 thousand rubles) and the number of transactions per day (maximum 10).

How to transfer money by phone number through Sberbank-Online?

If you have a computer at hand, you can transfer money by phone number through the Personal Account of the Sberbank Online system. The translation should be done like this:

At approximately the same time, an SMS with a 5-digit code will be sent to the phone number linked to Sberbank Online. It is necessary to enter numbers in the field " EnterSMS -password" After this you need to click “ Confirm».

The money will be transferred to the recipient - the sender will receive an SMS about the card expense.

How to make a transfer through a mobile application?

The Sberbank Online mobile application can also be used to transfer money by phone number. The sender needs to do this:

The money will be transferred, and a notification about the available money limit for making transfers will appear on the screen of your mobile device. You can transfer up to 500 thousand rubles per day through online banking.

The note. Transferring money to a phone number through a mobile application does not need to be confirmed via SMS.

After completing the operation, the service will offer to save the receipt, create a template, or receive information about the payment. It is not necessary to save the receipt - information that the payment was made will still remain in your Personal Account. But it is recommended to create a template - this will allow you to make similar money transfers in a couple of clicks.

The Sberbank Online program for the Android operating system can be downloaded from this link. Users of Apple equipment need to download the Sberbank application from here.

Conclusion

Transferring by phone number through Mobile Bank is the easiest and fastest way, but it has a couple of disadvantages: Firstly, the sender risks transferring money on the wrong card recipient, Secondly, the daily limit on the amount of transfers is quite strict. Therefore, to transfer money, it is still recommended to use the Sberbank Online service - on a computer, tablet or mobile phone. Transfer through Mobile Bank is, rather, an option “in reserve”, in case there are no other devices at hand except a push-button “dialer”.

Bank cards have become firmly entrenched in our lives. In addition to convenient shopping in stores, depositing and withdrawing funds from a bank account, you can easily transfer money to a friend or relative by sending an SMS message. You can make an instant transfer of funds from a card to a Sberbank card if you know the phone number of the recipient of the funds or his card number using the 900 number.

The following conditions must be met:

• both cards of both the sender and the recipient must be connected to the Sberbank “Mobile Bank” service package;
• there must be sufficient funds in the sender's account;
• the maximum amount of transferred funds is 8 thousand rubles.

Important! If you make several transfers, the total amount of transferred funds will be no more than 8 thousand rubles per day, and you can make no more than 10 transfers in total.

Let's look at two options for transferring funds using a 900 phone:

1. By phone number.
2. By card number.

Transfer by recipient's phone number

To transfer money from card to card using a mobile phone, create an SMS message to number 900.

To: 900

Message text: TRANSFER 9xxxxxxxxx AMOUNT

Where 9xxxxxxxxx is the ten-digit phone number of the payment recipient

AMOUNT - the amount of money sent in rubles, without indicating kopecks

After sending the message, a request to confirm the payment arrives. The next step is to send the code from this message to number 900 and within 1-2 minutes the money will be transferred to the recipient’s card.

When the operation is completed, you receive an SMS about the debiting of funds.

Transfer by recipient's card number

If you know the card number, send the following SMS message to number 900:

To: 900

Message text: TRANSFER 1234567891234567 AMOUNT

Where 1234567891234567 is the recipient’s full card number.

AMOUNT - the amount of money sent in rubles, without indicating kopecks.

If the sender has several cards, you can specify the specific card from which you want to write off. To do this, after the word TRANSLATION, you should write the last four digits of the card number separated by a space. As in the picture below.

Important! A transfer fee is charged if the recipient is serviced at a Sberbank branch in another city.

Additional information on transferring funds

You should also know:

1. You can send a comment on the transfer in a second SMS, in which you must indicate a confirmation code. If desired, after the code you can add text for the recipient of the funds.
2. You can use not only the TRANSLATION command, but also the words TRANSLATE, PEREVOD and PEREVESTI.
3. You cannot transfer funds from a corporate, virtual or credit card account.
4. You cannot make a transfer to your own account.
5. Transfers are made in rubles.