Money transfers in Sberbank today are very popular among Russian citizens. You can transfer funds abroad in various ways. Let's compare the tariffs and terms of transfers, as well as additional services and services from one of the most famous banks in Russia.

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concept

A money transfer implies a transfer from the sender by the recipient of a certain amount with the payment of a commission to the operator making the payment.

All translations are divided into:

• domestic (in Russia);
• international.

Sberbank money transfers abroad are carried out in various ways. For the convenience of customers, they can be carried out in different currencies and on different conditions.

By default, all enumerations of this type can be divided into:

• cash;
• non-cash.

The first option suits those who rarely make transfers. They require personal presence at the bank branch. If operations are carried out frequently, experts advise using other methods. Let's take a look at the different listing options. Comparative analysis helps to choose exactly what is profitable at the moment.

Classification

Consider all the transfer options offered by Sberbank of Russia abroad. We will divide them into categories for convenience.

With the help of the payment system

There are a lot of payment systems operating in Russia. They differ in the speed of transferring funds, tariffs and conditions. Let's consider all the operators with which this bank works, compare their conditions using tables.

The first money transfer system in Sberbank is Hummingbird. It was previously known as "Blitz" and only recently received new conditions and a new name.

Judging by the assurances of the bank itself, the transfers differ:

• speed;
• accessibility.

Any citizen can make a payment by coming to the nearest branch of the bank. Below is a detailed table of the operating conditions of the system.

Hummingbird is a special transfer system of Sberbank. It does not work for other banks. That is why it is convenient to use it for regular customers of branches. As mentioned above, this service does not apply to non-CIS countries.

In addition, for stateless persons, sending funds is not possible. More detailed conditions for "Hummingbird" can be downloaded at.

Another system through which such an operation can be carried out in this bank is called "Money Gram". It is an international operator operating all over the world. The table below also shows a number of departure conditions.

Classification	Urgent international
Application deadline	10 minutes
Where is carried out	190 countries of the world
Currency	Dollar (cash only), also available in euros
Maximum amount	$5,000 for residents, $10,000 for non-residents.
Rates	They depend on the amount of the transfer and the country where the funds are sent. The minimum is $2, the maximum is $300.
Additional features	Notification by message, possibility to cancel
Required documents	Passport

Video: To a foreign account from a Russian bank

Transfer technology

In addition to operations with existing systems, you can use other methods. This applies to bank account holders, plastic card holders, regular customers.

All money transfers in Sberbank of Russia abroad can be made in the following ways:

• through the payment system operator;
• in cash to the account;
• non-cash transfers from account to account (including those assigned to a plastic card).

Since the first option has already been considered, let's move on to the second and determine what are the conditions for such an operation. These are completely different translation technologies, so the commission and terms can vary significantly.

Cash funds to a previously opened bank account are received using the international SWIFT system. It is well known to those who have at least once encountered the transfer of amounts to the balance of a legal entity.

To carry out this operation, in addition to the last name and first name of the recipient, additional information will be required. Detailed conditions are described in the table below.

Classification	SWIFT Translation
Application deadline	Up to two business days
Where is carried out	All over the world
Currency	Russian ruble and foreign currency (according to guarantees for fulfillment of obligations of correspondent banks)
Maximum amount	Not limited, but the operator may require documents confirming the intended purpose of payment
Billing	For foreign currency — 1% (up to $200); For the Russian ruble - 2% (up to 1500 rubles maximum)
Requirements	Personal presence and an identity document, the recipient's account number, consisting of twenty digits, and his full name, as well as bank data.

It is worth checking with the manager the possibility of making a transfer to a specific bank. As for the details, they include SWIFT, BIC, correspondent account and other names. Without them, the operation is impossible.

Cashless transfers can be made if an individual has a valid account with Sberbank of Russia. Even if it is tied to a plastic card, it can be used.

Payment is made by any of the following methods:

• during a personal visit to any department;
• online;
• through mobile banking;
• through the system of individual service.

The last three simple and convenient methods are most often used for transfers from card to card if the recipient is abroad and asks to replenish funds on his balance.

This is very convenient when traveling and for long-term residence outside of Russia. The recipient can simply use the ATM. Such enrollment is charged as internal in Russia.

Tariffs for international non-cash payment are as follows:

• For foreign currency - 1% (from 15 to 200 dollars maximum);
• For the Russian ruble - 2% (50 to 1500 rubles maximum).

You can also cancel sending if you need this feature. You must also provide the account number and bank details. The operation is limited to one or two business days.

Types of bank credit cards for money transfers through Sberbank abroad

Let's talk in more detail about which cards can be used abroad, because not every system allows you to charge funds.

It is most convenient to do this with the following types of cards:

• VISA;
• mastercard.

If the recipient uses any of these systems, he will not have problems with the operation. In addition, the bank issues various debit cards for social services to the population. Traveling with such cards is not convenient. They are used within the country.

Translation can be done in the following ways:

• from card to card (both are open at Sberbank);
• from a Sberbank card to a card of another bank in Russia (you can only have a card number with you);
• from a Sberbank card to a card of another bank abroad.

Features of international transfers in Sberbank of Russia

It is hard to imagine today a more popular bank than this one. He is known throughout the country as the one whose services are used by 70% of the population. As for service, the attitude towards it today is twofold. Sberbank positions itself as a social bank, and therefore the flow of people wishing to use the services is only growing.

Regarding the international money transfer system, Sberbank is ready to offer extensive opportunities for those who apply. He made a big bet on the operator, which carries out transfers between structural divisions, which are open in the near abroad.

There is also a method of sending to far abroad, including Australia, China and Israel. You can use a convenient service on the website of a financial organization to select a money transfer system according to the specified parameters.

There is no limit on the amount to be transferred, but when sending more than $ 5,000, the manager has the right to ask for documents to determine the purpose of the payment.

Receiving money from abroad

Using the services of this financial institution, you can receive funds in two ways:

• to an account opened earlier;
• in cash.

In the first case, you need to request data from the branch with the account number and details, and in the second, just appear in person and present your passport.

Currencies in which funds can be received:

• ruble (when converting at the request of the client);
• dollar;
• Euro;
• Swiss frank;
• English pound;
• Chinese yuan;
• Japanese yen.

Specify in advance the addresses of branches that have the possibility of issuing without conversion.

There are branches of Sberbank in every city of Russia. Using the services of this bank is very simple, it is quite popular among residents. It is not surprising that people often resort to a common service - money transfer. After all, you can use such a transfer without being a client of Sberbank or a card holder. Another plus: a large selection of possible options regarding urgency and type. That is why people can often choose the most convenient options for themselves.

Sberbank shares money transfers regarding how money will be sent:

• depositing funds in cash;
• write-off from the Sberbank account.

It is logical that in the second case, the transfer fee will be much lower. Therefore, bank customers have more benefits.

Let's focus on this particular category. The commission in this case is minimal. Moreover, using Internet banking, you can achieve even lower interest rates than when you personally contact a branch. Depending on the source and direction of the transaction, there are different types of sending funds:

1. From card to card. You can send funds in this way for free if the transfer is made within the city. In other cases, you will have to pay 1.5% of the total transfer. True, when sending through Sberbank Online, such an operation costs 1%. If the client wants to replenish the balance of the MasterCard card, then he needs to contact the bank, but here the commission will be already 2%.
2. From card to account. Within Sberbank, such transfers are similar to the first type, and if it is necessary to send to another bank, then 2% of the total is withdrawn. But it is realistic to send only one and a half thousand rubles to another institution.
3. From account to account (as well as card). There are exactly the same commission fees as in the form of "card on card".

In a situation where it is necessary to send money to another recipient so that they can be immediately cashed out, it will not be possible to perform the operation remotely - you will have to go to the bank.

Cash transactions

If a person is not a client of Sberbank, but he has the funds on hand and still needs to send them, then you can also contact the bank here. There are 2 types of service:

• non-urgent (regular) transfer. The term of transfer in this case is from one to two days. In one city, money is credited without commission. When the place of transfer is all of Russia, the fee is 1.75%, and for transactions to other institutions - 2%;
• urgent translation. The maximum transmission time is ten minutes.

Transfers abroad

People who have an account with Sberbank can easily transfer money abroad. To do this, you should come to the office with your passport and recipient's data. The maximum commission is 2% from rubles and 1% from other currencies.

Since Russians actively travel outside the country for the purpose of recreation or employment, the question of the possibility of sending a transfer from abroad to a Sberbank card is relevant for many. Citizens of the Russian Federation and foreigners are interested in how it is more profitable to send currency from countries near and far abroad to Sberbank plastic, and whether there are ways that do not require large expenses for shipment.

How to transfer money to a Sberbank card from abroad?

There are many ways to send money from abroad. When choosing, you need to focus on what is more important to you, speed, comfort or price. You can send funds in 2 ways:

• in cash;
• cashless payment.

It also matters whether you are making a transaction from a CIS state or a country belonging to far abroad. The specific state of dispatch and which banks and services operate in it also matter. We will look at the most common methods.

If the sender is located in one of the CIS countries, in order to send funds to SB plastic, he needs to know:

• name, patronymic and surname of the addressee;
• number of the payment instrument for crediting funds;
• Russian bank account (number);
• recipient's correspondent account (number);
• in which specific branch of Sberbank the card was issued;
• BIK SB.

If the transaction is executed in a non-CIS country, you must have the following data:

• full name of the addressee;
• 20-digit account number;
• SWIFT code of a specific office;
• The name of the financial institution is SBERBANK.

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How to transfer money to a Sberbank card by bank transfer?

Transferring money from abroad by bank transfer is beneficial in the sense that you save time. The most requested options are:

• Internet banking "Sberbank-Online";
• SB self-service devices;
• Mobile banking SB;
• special services for sending money;
• Internet banking and Mobile applications of other financial institutions;
• electronic wallets;
• branches of financial institutions.

As you can see, there are many options. Before choosing one of them, make sure that it is valid in your country of residence.

Through the Internet bank "Sberbank Online @ yn"

In some countries, you can send transfers from abroad using the Sberbank-Online service. Citizens of states in which Sberbank branches operate can go this way. This:

• Germany;
• Türkiye;
• Serbia;
• Kazakhstan;
• Ukraine;
• Belarus and some other countries.

If you want to use SB Internet banking, first check whether it is valid in the state you are interested in.

Through an ATM or Sberbank terminal

Sberbank has a foreign network of offices. Accordingly, in some cities of the states where Sberbank branches operate, there is also a network of its ATMs. For example, you can find them in many cities of Ukraine, Kazakhstan, Belarus and other countries.

The principle of using a self-service device for sending a non-cash transfer abroad is the same as in Russia.

Via Sberbank Mobile Bank (via SMS)

While abroad, you can use the mobile bank by sending SMS when typing special commands and forwarding them to the SB short number. It is important that the phone number is linked to the card.

The command is: "Transfer 5555 4444 3333", where:

• "5555" is the card number of the sender, the last 4 characters;
• "4444" is the card number of the person who receives, the last 4 digits;
• "3333" is the amount to be sent.

In Mobile banking, you can use only rubles for sending, currency transfer is not provided.

Through money transfer services between cards

There are many such services. One of them is Western Union. The sender can issue a shipment at one of the system's offices. Or cashless online. You can send funds only using cards of international systems Visa or MasterCard.

Interbank transfer via Internet banks and mobile applications of other banks

You can also send money using Internet banking and Mobile applications of other financial institutions. All that is needed for this is registration in services and knowledge of the details of the recipient's Sberbank card.

At a branch of any financial institution

Money can be sent to Sberbank cards from any banks in other countries. The operator needs to provide the details of the account or card from which the transfer will be sent, in expanded form, and the same expanded data of the SB card.

It is desirable that the addressee has an open currency card account. This will avoid problems with receipt, as well as reduce shipping costs, as conversion may not be profitable. Bank transfers take about a week. Because this option requires patience.

From electronic wallets

A good way is electronic wallets. In the Russian Federation, the services of such systems are in demand:

• Kiwi;
• WebMoney;
• Yandex Money, etc.

To use one of the services, you need to register in it, get the status necessary for sending and receiving sufficient amounts, and replenish your account for the amount of the transfer, taking into account the commission.

Sending cash

Cash transfer is a card replenishment. You can carry out the procedure in several ways:

• contact the bank branch;
• use self-service machines that accept cash;
• use devices marked "Cash-in" that support "MasterCard MoneySend" and "Visa Payments and Transfers".

Banking offices

The cash transfer scheme is the same everywhere. You need to contact the service operator and provide:

• identification;
• the requested data of the recipient;
• money.

Each bank and each country has its own tariffs, limits and terms. Before making a transfer, check this information with the person serving you.

At an ATM or self-service terminal SB

Cash in SB self-service machines can only be transferred to your own cards using the replenishment option. To send a transfer, you need to go to the "Payments and transfers" tab and enter the necessary data.

Through ATMs of any financial institution with the function of accepting cash (Cash-in) with support for MasterCard MoneySend and Visa Payments and Transfers services

Devices with the "Cash in" function with the logos of the systems indicated in the name allow you to send transfers from card to Sber card. The interface is similar to the conventional scheme. When carrying out the operation, use its hints.

How to receive a money transfer from abroad at Sberbank, through Western Union, without a declaration, on a card?

Western Union is one of the most popular money transfer systems in the world. The sender, using it, must take into account the overpayment - 0.5% - 2%. Different states apply different rates.

Any legal and natural persons can send and receive transfers using this international system. It is important to consider the following conditions:

• funds are issued only after the presentation of an identity document;
• the sender must have the maximum information about the recipient: full name, phone number, passport details;
• transfers are not issued to minors.

Western Union is good because it is not tied to a specific branch or even a city. When sending, you should indicate the country and details of the recipient.

When receiving a transfer, the recipient must know:

• number of translation;
• amount;
• currency;
• who sent.

All this should be announced to the teller, who, after verification, will issue the amount in hand.

Popular translation systems

Receiving a transfer, as well as sending it to a foreigner, to yourself or a compatriot, will take place according to a simplified scheme if you use money sending systems. In addition to the described, popular are:

• Hummingbird;
• Gold Crown;
• Unistream;
• MoneyGram and others.

Every year there are more and more options for sending transfers from abroad to a Sberbank card.

Conclusion

International transfer systems, Sberbank and other banks are improving the methods of transferring funds and offer new ones on more favorable terms. It's a matter of competition and customer acquisition. However, the process of sending money to cards non-cash and in cash from abroad is still difficult for Russians.

In addition to the internal circulation of funds, which operates only within the border areas of the Russian Federation, Sberbank also provides its customers with the opportunity to make transfers abroad.

For an urgent transfer of financial resources to an individual located abroad, a transfer with crediting to a card, to an account or a cash transfer option can be used.

There are several options for foreign money exchange:

• "Hummingbird"
• moneygram
• International cash transfer
• Transfer from one account to another
• Bank transactions from abroad

Urgent translation service - Hummingbird

It got its name because of the rather rapid execution of the required transaction - within one hour. It is available without the existence of a valid open account and is designed to move cash to Kazakhstan or the Republic of Belarus. An important nuance is the news that after the Decree of the President of Ukraine No. 467 regarding the financial services provided, this type of money circulation is no longer available in relations with the Ukrainian side.

Both the sending and receiving of finance can only be done at bank offices. As allowed currencies are allowed: Russian rubles, US dollars, euros.

The maximum amount of payment for residents (that is, for persons actually staying on the territory of the Russian Federation for at least 183 calendar days) is the equivalent of 5,000 US dollars, for non-residents - 10,000.

Both the sender and the recipient are required to pay a commission for the transfer, which is equal to 1% of its amount. It is possible to use the function to cancel the service before the recipient receives the funds. Its cost is 150 rubles.

Money Gram Transfer

The execution of this operation is possible on the territory of 190 countries of the world, but this list does not include Ukraine. Translation is performed in lightning time - up to 10 minutes.

The cost of the cancellation service is free. And the maximum amounts, respectively, are similar to the operations performed on Hummingbird.

The amount of commissions varies depending on the country of the recipient, and their totality is presented on the official website in the form of a table.

International cash transfer

Sberbank for transferring money abroad has one of its functions to carry out international exchange between foreign recipients. It is possible to implement this both in the form of the main monetary unit in Russia, and in foreign currency options. The amount is to be delivered to the fund of another bank or paid to the person in cash.

According to the time period of the transaction, its payments in pure money do not exceed two business days. The same actions, but to a bank account or card, the maximum is one weekday.

International transfer from one account to another

Suitable if the client needs to transfer cash to recipients abroad. The receiving party has the right to receive the amount sent to its own foreign savings account.

In this case, no restrictions on the maximum amount apply, except in some cases when supporting documents for the purpose of payment may be required. According to the time period, this operation will not take more than two business days.

The commission for using this service in rubles is 1%, in foreign currency 2% of the amount. It is also possible to cancel the transfer of funds.

Transfer from abroad to a Sberbank card

For Sberbank clients, it is possible to receive cash payments in foreign currency to an account or in cash at the offices of this organization.

Payment of currency in its physical representation is carried out in the following forms: US dollar, euro, British pound sterling, Swiss franc, Japanese yen and Chinese yuan.

In addition to this, in order to receive funds by an individual in Russia, the sending party must indicate some details, a complete list of which is listed on the official website of Sberbank.

Thus, when filling out a specially prepared form, you can make transfers abroad without leaving your home, using the online functions of Sberbank.

Transfers made through Sberbank may be subject to a commission. The amount of the commission may depend on many factors. Let us consider in more detail what the commission depends on, and what percentage will have to be paid.

What does the Sberbank commission for money transfer depend on?

The commission can depend on many factors. First of all, this, of course, is the distance of sending a money transfer. So, a transfer to another country will cost much more than a transfer to a neighboring city.

Also, the method of its implementation can affect the cost of the translation. Whether it is an operation through remote self-service tools, or a bank cash desk. Cash or non-cash shipments.

Money transfer fee

The Bank does not provide for a single commission for the execution of money transfers. Therefore, you should consider each possible option for performing the money transfer operation. Therefore, further we will consider such methods as:

• Cashless transfers;
• Cash transfers;
• Transfer to another region;
• Transfer to another country.

Cashless transfers

The commission for a non-cash shipment may depend on the method of transferring money. So the option of transferring from one bank account to another or to a card can be chosen. Depending on the direction of the transfer, the following types of commission are established:

• To the account of a Sberbank client within the same city - 0%;
• To the account of a Sberbank client in another city:

o Through bank branches - 1.5% (not less than 30 rubles and not more than 1000 rubles);

o Through remote self-service services - 1% (no more than 1000 rubles);

• Transfer from card to card by card number:

o Sberbank client within the city - 0%;

o To a Sberbank client outside the city - 1% (no more than 1,000 rubles);

o To a client of another bank - 1.5% (not less than 30 rubles).

Cash transfers

There are two types of cash transfers. One of them is the usual translation. Moreover, such a departure can be sent both to a card, or a bank account, and for cash receipt. And the commissions will look like this:

• The recipient will receive cash - 1.75% (not less than 50 rubles, not more than 2000 rubles);
• The transfer will be credited to the bank account of the Sberbank client:

o In the same city - 0%;

o In another city - 1.75% (but not less than 50 rubles and not more than 2000);

• Crediting funds to the account of a client of another bank - 2% (not less than 50 rubles and not more than 2000 rubles);
• On a Sberbank client card - 1.25% (from 30 rubles to 1000);
• To the card of a client of another bank - the service is not provided;
• Urgent transfer "Hummingbird" - 1.5% (not less than 150 rubles and not more than 1000 rubles).

Transfer to another region

Transferring amounts to another region can also be done in two ways. Both cash transfers and non-cash transfers can be used here. The commission will be the same as when making a transfer to another city. Either a single one, as for transfers by card number or through the Hummingbird transfer.

Transfer to another country

You can send money abroad both in cash and by bank transfer to the recipient's account. In the event that you need to send cash, you will need to choose between 3 types of transfers. These include:

• Urgent international transfer "Hummingbird";
• Urgent international transfer MoneyGram;
• International cash transfer.

When choosing Hummingbird, regardless of the country of the recipient, a commission of 1% will be required for the transaction. At the same time, the upper and lower thresholds of the commission fee are set. So, the minimum amount payable is 150 rubles, 5 dollars or 5 euros. And the maximum threshold is set within 3000 rubles, 100 dollars and 100 euros.

When transferring money abroad using the MoneyGram system, the commission will depend on the country of the recipient, as well as on the amount of the transfer being made. So, when sending money to the CIS countries, Georgia or Israel, the commission will be from 2 dollars to 90 dollars. And when transferring money to countries of the far abroad, an additional payment for the operation can be from 12 dollars to 300 dollars. Cost limits are set for transfers to China transfers from $9 to $80

International cash transfer fees will depend on the currency used to send. So, if the amount is sent in rubles, then the commission will be 2%, but in the range from 50 rubles to 2000 rubles. And when transferring amounts in another currency, the commission will be equal to 1%, but not less than $15 and not more than $200.

Sberbank also provides a cashless international transfer service. With this option, the money will be credited to the addressee's account. And the commission will be 2%, but not less than 50 rubles and not more than 1500 rubles if the amount is sent in rubles. And 1%, but not less than 15 dollars and not more than 200 dollars, if funds are sent in another currency.

Transfer speed

Depending on the chosen method of sending the amount, the speed of receiving money by the addressee may also vary. So, non-cash transfers in Russia will reach the owner within 2 days. And when transferring cash by ordinary transfer, you can count on the fact that the addressee will receive money within 2 days if the amount is issued in cash, and within 1 day if the cash amount is credited to the client's account.

The difference between the Hummingbird translation is that this translation is urgent. This means that the recipient will not have to wait long. He will be able to receive money in 10 minutes.

As for international shipments, their own terms are also set here. So, by sending money through the Hummingbird system, the transfer can be received in an hour. The turnaround time for a MoneyGram transfer is even shorter. Such a transfer can be received in 10 minutes.

A cash international transfer will reach the addressee within 1 business day if the money is credited to his account. And within 2 business days if the amount is paid in cash. But a non-cash international transfer is executed within 2 days.

Factors affecting the speed of money transfer

The speed of funds transfer, in addition to the selected transfer option, can be influenced by many factors. So, for example, when transferring money to an account or card of a third-party bank, the speed of crediting may depend on the recipient's bank. Interbank transfers are currently not processed as quickly. This means there may be delays.

Also, the time of sending money or even a day can affect the speed of receiving money by the recipient. If the amount was sent late in the evening, then it is likely that the application will be accepted for execution only the next day. And when sending money on weekends or holidays, or on the eve of such days, the application for the transfer of funds may not be processed immediately, but only after such days. After all, not all translations can be performed on non-working days.

In which case no commission is charged?

Everyone wants to save money and not pay a commission. And there is such a possibility. So, you won’t have to pay for the operation if you are transferring between your accounts and cards opened with Sberbank. And also, in the event that funds are sent to an account or card of a Sberbank client within the same city.

What is the commission when transferring from Sberbank to VTB?

Transfer from Sberbank to VTB is interbank. The amount of the commission here will depend on the chosen method of transferring funds. So, if the funds are debited from the Sberbank card and transferred to the VTB card using the card number, then the commission for such a transfer will be set as a percentage and will amount to 1.5% of the amount, but not less than 30 rubles.

But in the event that the transfer is made to the account number of the VTB client, then the commission fee will be 2% (minimum - 50 rubles, maximum 1500 rubles), if the operation is carried out through a bank branch and 1% (but not more than 1000 rubles), if money is transferred through the Internet banking system.

Commission when transferring to Yandex

Sberbank card holders can transfer money to their Yandex.Money wallet. Moreover, such a transfer is performed without charging commissions. But it can only be done through remote self-service services, which include:

• Sberbank Online;
• ATMs;
• Terminals.

Limits and restrictions

For transfers made within the territory of Russia, limits are set only for operations performed through an online bank. So, using remote services, you can transfer up to 500,000 rubles to the accounts of bank customers, as well as customer accounts of other banks. But amounts over 80,000 rubles will require confirmation at the contact center. And if the payment is made by the card number using the MasterCardMoneysend and VisaMoneyTransfer systems to bank cards of customers of third-party banks, then the maximum amount will be limited to 30,000 rubles.

There are also some restrictions for the urgent transfer of "Hummingbird", performed on the territory of Russia. With this method of sending money, you can send an amount not exceeding 500,000 rubles. Amounts in excess of the established limit by this method will not be accepted for execution.

Among international transfers, only non-cash international transfer has no restrictions. In other cases, their own limits are set. Thus, urgent international transfers of Hummingbird and MoneyGram are limited to $5,000 for residents and $10,000 for non-residents. And a regular international cash transfer limits transfers to residents only. The maximum amount that can be sent in this way is $5,000.